Kovendo

Imagine calling your bank late at night to resolve an urgent issue. Instead of waiting on hold for what feels like hours, you’re greeted instantly by a friendly, knowledgeable voice that understands exactly what you need and guides you effortlessly through the process. This is not a scene from a sci-fi movie, it’s the power of conversational AI transforming everyday experiences. According to recent research, over 85% of customer interactions will be handled without a human by 2025, thanks to advancements in conversational AI. This technology is quietly revolutionizing how businesses connect with customers, how doctors provide care, and even how we get mental health support. So, what exactly is conversational AI? At its core, conversational AI refers to computer systems designed to engage with humans in natural, fluid conversations, either through text or voice. Unlike traditional rule-based chatbots, conversational AI uses cutting-edge technologies like natural language processing ...

Did you know? According to a survey by Deloitte, companies that leverage AI in their finance operations reduce their average days payable outstanding by up to 15%, improving cash flow and supplier relationships significantly. In today’s fast-paced business environment, managing working capital effectively is crucial for financial health and operational success. One critical metric in this realm is Days Payable Outstanding (DPO). This blog will dive deep into what DPO means, why it matters, how you can calculate days payable outstanding, and explore how cutting-edge technology and AI are revolutionizing payable management.   What is Days Payable Outstanding (DPO)? Days Payable Outstanding measures the average time a company takes to pay its suppliers after receiving goods or services. Essentially, it indicates how long a company holds onto its cash before settling its payables. A higher DPO implies the company is effectively using its available cash for longer, enhancing l...

In rural Fresno County, California, a 13‑year‑old girl named Sofia sits under hot sun, her phone tethered to her father’s car battery to get WiFi, so she can attend her online class. Across the world, millions just like Sofia are caught between possibility and poverty: the online world beckons, but the bridge to cross is shaky, expensive, or altogether missing. As we stand in 2025, the digital divide isn’t a problem for “other regions”, it’s a global fault line shaping futures, incomes, opportunities, and dignity. Let’s explore how the digital inequality landscape is evolving, why some are still offline, and what we must do moving forward.   Why Some Communities Still Can’t Get Online in 2025 Despite technological advances, there are key barriers: Infrastructure deficits in rural, remote, or low‑income regions. Rolling out broadband fibers or reliable mobile towers is expensive in sparsely populated areas. Cost of access : Devices (smartphones, comp...

Did you know? According to a report by Dun & Bradstreet, the global average Days Sales Outstanding (DSO) across industries was 66 days in last year,  a worrying sign of how long companies wait to get paid after making a sale. In a digital-first world, the delay in collecting payments can choke a business’s cash flow, restrict its growth potential, and even lead to bankruptcy. Managing and reducing Days Sales Outstanding (DSO) is not just a finance task anymore,   it's a strategic necessity. This is where Artificial Intelligence (AI) steps in, revolutionizing how businesses predict customer payment behavior and optimize cash inflows. Whether you’re a student learning financial metrics, a kid exploring business basics, or a professional handling real-world accounts receivable, this blog will break down the complex into the understandable,   and show how AI is changing the game.   What Is Days Sales Outstanding (DSO)? Days Sales Outstanding (DSO) is a fina...

Ella was a 22-year-old web developer who had just launched her first startup,  a simple online banking platform. It was fast, sleek, and beautifully designed. Her users could log in, transfer money, and check balances in a few clicks. But three days after launch, something strange happened. A user complained that their account had transferred $500 to a stranger — even though they never logged in that day. Ella was stunned. The application had no visible bugs, no failed authentication logs, and everything seemed fine. After hours of investigation, a cybersecurity expert named David was brought in. He quickly spotted the issue,  Cross Site Request Forgery (CSRF) . Ella had never heard of it before. What Is CSRF? Imagine you write a note to your bank asking to move money, but someone else sends a fake note pretending to be you. That’s what CSRF does. CSRF (Cross Site Request Forgery) is an attack that tricks a user into executing unwanted actions on a web application wh...

Emma is a 27-year-old marketing professional living in a bustling city. She has hundreds of friends on Facebook, thousands of followers on Instagram, and constantly scrolls through TikTok videos during her breaks. Her smartphone buzzes relentlessly with notifications, likes, comments, direct messages. Yet, when the screen dims, Emma often feels an aching emptiness. This paradox, being more connected than ever yet feeling profoundly alone, is at the heart of a growing global phenomenon: tech-driven loneliness . What changed? To understand Emma’s story, we need to travel back in time to explore how humans traditionally built social connections and how technology has reshaped these bonds.   Loneliness Through the Ages: From Campfires to Smartphones Humans are inherently social creatures. Our ancestors thrived by living in tight-knit communities where relationships were essential for survival. Around campfires, stories were shared, problems solved, and bonds forged. In villag...

Imagine controlling your computer, phone, or even a robotic arm using only your thoughts. This idea once belonged to the realm of science fiction, but today, it is rapidly becoming reality thanks to neurotechnology and brain-computer interfaces (BCIs). These breakthroughs promise not only to transform medicine but also to fundamentally reshape how humans interact with technology—and even how we experience the world. In this blog, we explore the fascinating field of neurotechnology , its current applications, examples of neurotechnology devices, different perspectives on its impact, and the exciting future it holds. What is Neurotechnology? At its core, neurotechnology refers to the hardware, software, and systems designed to interact directly with the nervous system, most notably the brain. This includes devices that record, stimulate, or interpret neural activity to restore, enhance, or alter brain function. One of the most exciting branches of neurotechnology is the devel...