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A mobile app created for travel/trips/group activities that tracks what you have spent/what your travel companions have spent, and what you owe each other based on what each person has bought/which tabs have been picked up at restaurants and by whom. This is a quick, easy and efficient way to keep track of what is owed to each person at the end of the trip, and allows you to change currency, split entries evenly, split entries based on prices of items etc. I have used this on several trips and have found it extremely useful, as tabs can be picked up at restaurants by one person, hotels and tickets for events can be paid for and then added into the app as a monetary value and you can alternate who pays for what based on what amount is still owed. It tracks travel expenses in an organized and efficient way and has made it extremely easy to keep track of what is owed, and to whom at the end of the trip. It takes away the stresses of trying to keep track of expenses, and borrowing/lending money, and getting separate tabs at restaurants or trying to split hotel/hostel expenses at the time of booking. It allows for peace-of-mind that all tabs will be settled up at the end of the trip/group outing. You could also use this app for regular every day use as well, with friends and family to track expenses paid.
-S. Sparks

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The weather network App is used on almost every smart phone it is a great app to keep you up to date on the weather conditions. It uses your GPS and can update the weather based on your location. The app is handy and easy to navigate with many useful features like the sunset/sunrise times, severe weather warnings, government warnings and forecast for the day that can be broken down hourly. - B. Fountain

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Get The Weather Network's weather apps on your PC, Mac, Mobile such as iPhone, Android, Blackberry and Tablet such as iPad, android devices. Instant access to local weather and alerts, free download...

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Weibo is an app that helps you keep up-to-date with trends you’re following, in sports, movies, finance, food, amusement and other areas of interest.  It also acts a social media platform which allows you to express yourself by posting texts, photos, and videos.  It also has options that allow you to do different things such as: WeiboFit (tracks your daily movement), Weibo Radar (shows friends and coupons near by), Weibo Pay (shopping) and more.  Weibo is a cool Chinese microblogging app for the phone with over 100 million daily users.
Jiayu Li

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App that provides digital streaming of music from artists all over the world, without storing songs on your devices. It offers high quality music, and access to classic songs as well as brand new music without proactively seeking it.
-R. Patel

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Spotify - Web Player: Music for everyone

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Spotify is a digital music service that gives you access to millions of songs.

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A mobile app that allows users to track and calculate business tax payments.  This can be a convenient way for the small business owner to keep track of their instalment payments, sales tax returns as well as personal tax amounts and dates.
Brad Furtah

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This is an app that you can download on to your cell phone to track where the buses are in London. You can look up bus times for specific bus stops and can see where the bus is on the route from a tracker on the bus if you're already waiting at the stop. This is convenient especially in a student city like London where public transit is a common form of transportation. With this technology we can find the fastest route somewhere as well as having easier access to bus times to know when their coming when we are on the go!
J. Ewen

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‎LTWatch for London Transit on the App Store

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‎Read reviews, compare customer ratings, see screenshots and learn more about LTWatch for London Transit. Download LTWatch for London Transit and enjoy it on your iPhone, iPad and iPod touch.

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Splashtop is a remote desktop app that allows you to access your desktop from your mobile device or tablet. You can remotely access all your files, watch movies, play games and even view your webcam.
-A. Hibbs

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FaceTime is an Apple application that allows you to call, chat, and share your thoughts with any of your friends, as long as both you and the person you're calling have any of the many Apple products that support FaceTime. With the push of a button and wireless or 3G connection, you can see your friend in a video chat no matter how many miles apart you are.
-Abeer Rkie

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This is an apple device based app that can be installed on phone. This allows us to store credit/debit cards, tickets, loyalty cards etc in an e-wallet. Instead of carrying them with us we can manage to use our cards through this e-wallet. This also minimizes the risk of cards being stolen. It also makes everything accessible with one touch which is a lot more convenient than going through the account of each and every card. B. Jain

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Apple Pay launched in the UK back in July 2015 (in the US it launched in October 2014). With Apple Pay it's possible to pay for goods and services (up to £30) in the UK by tapping your iPhone, iPad or Apple Watch to a card reader - presuming you are banking with a bank that supports Apple Pay.

If you have an iPhone or Apple Watch you can use it to securely pay for goods at contactless terminals in shops around the UK thanks to Apple Pay, Apple's contactless payment system. Apple Pay also makes it possible for you to pay for goods online without entering your card details

Setting up Apple Pay is easy as long as you're running the correct operating system and have a compatible device, below are links to our guides to setting up Apple Pay on each Apple device.

What is Apple Pay?

Apple Pay allows you to pay for things in shops by holding your iPhone or Apple Watch up to the contactless payment terminal. You can also use Apple Pay on some websites and in some iOS apps.

All you need to do is add your credit or debit card payment details to the Wallet app on your device (we show you how to add Apple Pay to your Phone here, and your Watch here), and the next time you are in a shop all you need to do is hold your iPhone up to the payment terminal with your finger on the Touch ID button of your iPhone in order to keep the transaction secure.

If you have an Apple Watch you don't need the extra level of security offered by Touch ID as your Watch is linked to you from the moment you put it on your wrist and link it to your iPhone - if you are wondering about the security implications you can read about the security of Apple Pay here LINK.

How much can I spend on Apple Pay

Wondering whether there is a limit to the amount you can spend on Apple Pay? As of May 2017 it has been possible to pay for goods with a value higher than £30 using Apple Pay on your iPhone or Watch. Previously all contactless transactions were limited to £30. This is likely to give users a reason to use Apple Pay rather than their debit or credit card, which will still be limited to £30.

Prior to May 2017 you were limited to £30 or under in a transaction using Apple Pay. But you are now able to pay for any amount at checkouts in UK shops. As long as the tills in those stores have the correct software installed.

According to Apple, over half of the contactless payment terminals are set to accept transactions of any value if you use your iPhone or Apple Watch to pay.

A Telegraph report suggested that mobile payments have got off to a '"slow start" because they were limited to £30 per transaction. Now that mobile payments aren't limited consumers may start to see the value of using their mobile phone to pay rather than their card. Card payments will still be limited to £30 because they do not require shoppers to enter a pin number, use a fingerprint or other form of ID.

The venders will need to upgrade their payment terminals before the larger transactions can be accepted, so if you are unable to use your iPhone or Apple Watch to pay for something with a value greater than £30, this is likely to be why.

Stores accepting the larger payments include Waitrose and Sainsbury. Restaurants accepting the larger payments include Pizza Express and Nando's.

What are Peer to Peer payments

Apple showcased peer to peer payments as something coming in iOS 11, although they are yet to arrive.

Once this is available users will be able to send money to each other via a text message.

There were some doubts about whether and when the P2P payments would arrive on iPhones in the UK, but a trademark filing by Apple suggests this style of payment could be coming to the UK and Europe.

If Apple nails P2P payments between iPhones, it'll go a long way to culturally simplifying how we pay each other - no hardware manufacturer has yet built in an easy, reliable and trustworthy payment method into a phone, it's all done via third party or banking apps.

What is Apple Wallet?

The Wallet app does everything that the old Passbook app did pre-iOS 9, so it's the place to look for boarding cards and tickets as well as payment options - the 'Wallet' rebrand reflects its extended remit.

It's a core component of Apple Pay, being the app through which you select the cards that you use to make purchases in outlets as Marks and Spencer, Pret and Transport for London. It's compatible with many existing contactless systems in the UK, meaning it's available to use almost anywhere that contactless is supported - including corner shops.

At any UK outlets that has an Apple Pay-compatible terminal you can use with cards stored in Apple Wallet.

How to set up Apple Wallet

To use Apple Pay you will need to set up Apple Wallet.

So now that we've established that you can use Wallet to store not only your boarding passes, cinema tickets, and the like, but also credit and debit cards, how do you actually set it up and use it?

If you have a credit or debit card set up with your iTunes account it will be easy to add it to Apple Wallet. Just enter the card security code and the information will be associated with your account.

If your card isn't already set up you still do not need to enter it manually - hold the iPhone over the card and the iPhone will recognise the numbers, all you will need to do is enter the security code from the back of your card.

If you want to add more cards to Apple Wallet tap the plus sign. The instructions differ depending on which device you are using:

We explain how to set up Apple Pay via the Apple Wallet app on the iPhone here.

To set up Apple Pay on the Apple Watch you need to use your iPhone, we explain all about using Apple Pay on the Apple Watch here)

Which UK loyalty cards work with Apple Wallet?

As well as storing your credit and debit card info so that you can make payments in store, the Apple Wallet app is able to store loyalty cards that you can use to collect points when you make payments.

While we're still waiting for the likes of Sainsbury's Nectar Card and Tesco's Clubcard to make an appearance in Apple's Wallet app, there is a growing range of companies that have taken advantage and offered support for the service.

Starbucks is a great example: as well as being able to use Apple Pay to pay for your order, you can easily access your virtual Starbucks card to collect purchase points to be redeemed at a later date. It's a similar story with KFC's Colonels Club and Subway's loyalty card - both offer support for the Wallet app.

Some retailers currently have no plans to offer support for Wallet. Boots told us it was "just focusing on Apple Pay functionality in stores at the present time" when we asked if it had any plans to integrate Advantage Card with Wallet. Boots is a member of the Wallgreens Boots Alliance group, alongside Wallgreens in the US, which is going down the Wallet route with its on Balance Rewards card.

Sadly, there's no resource that lists every single UK retailer with a loyalty card supported by Apple Wallet, but keep an eye out on App Store listings as many will state in the description if they feature Wallet compatibility.

Which shops take Apple Pay?

Any shop that has a terminal that can accept contactless payments should be able to accept Apple Pay. Look out for the Apple Pay logo or the symbol for contactless payments.

When it launched Apple Pay in the UK Apple said that it would be available at more locations for its launch UK than it was for the US launch - and there were some big names on the list.

When Apple Pay launched in the UK a number of retailers were onboard from the start including:

TfL (Transport for London) also supported Apple Pay at launch too, so Londoners were able to pay for Tube and bus journeys with their iPhone or Apple Watch.

Click here for a full (and expanding) list of UK shops and apps that work with Apple Pay. Read: How to use Apple Pay on the London Underground.

Which banks offer Apple Pay?

A first tier of UK banks offered Apple Pay support immediately (including NatWest, Santander and Nationwide) with more following later in the year. Now the majority of UK banks offer Apple Pay to their customers.

As of May 2017, 23 banks now support Apple Pay according to Head of Apple's payments business Jennifer Bailey, these include the following banks and financial institutions:

What information is stored in Apple Wallet?

Apple Wallet is safe to use because your card details aren't actually stored in the app and nor is the transaction information.

However, you can use the app to see your most recent purchases.

What else can I add to the Apple Wallet app

Currently, along with your cards you can add tickets, boarding passes, cinema passes, and train tickets. but the scope might be wider in the future.

Head of Apple's payments business Jennifer Bailey hinted at ways in which the Wallet app, which houses the Apple Pay feature, could grow in the future, telling the Telegraph: "If you think about all the things in your wallet, we're thinking about all those things, we're probably actively working on most of them." New areas being developed could include a digital version of your Driving Licence and ID card, as well as store and loyalty cards.

How to choose which card to pay with in Apple Pay

The card linked to your Apple ID will automatically become your default Apple Pay card, however you can change that by going to Settings > Wallet & Apple Pay and updating your default information.

If you wish to use another card to pay for something hold your iPhone near the contactless reader without placing your finger on Touch ID. Your iPhone will wake up, and you'll see your default card on your screen. Tap the default card and you will see a list of all your cards, tap the card you want to use then move your iPhone towards the terminal and tap the Touch ID to initiate the payment.

How to get a refund

There may to be some confusion about processing refunds and returns, but it shouldn't be too hard in practice. Apple explains:

"How do I process returns with Apple Pay?

"Use the Device Account Number to find the purchase and process the return, just like you would with a traditional credit or debit card payment. To see the last four or five digits of the Device Account Number, ask the customer to go to Passbook, tap the card, and tap i on the lower-right corner of the display.

"You can also have the customer hold their iPhone near the reader, select the card they used to make the original payment, and authorize the return with Touch ID or passcode."
In other words, it should be as simple as touching your iPhone to the reader.

Does Apple make money out of Apple Pay?

You won't be charged additional fees for using Apple Pay. Nor does Apple make money by collecting purchase or customer data, apparently. (We discuss the privacy aspects of Apple Pay here: Is Apple Pay safe.)

Apple says it will levy a fee on each purchase from the banks involved in the system. Apple insists it won't charge users, merchants or developers: in its new Apple Pay FAQs, the company confirms that it "doesn't charge any additional fees" for merchants to accept Apple Pay.

Can I use Apple Pay abroad?

Heading off on holiday and wondering whether you will be able to use Apple Pay abroad? Here's what you need to know...

You should be able to use Apple Pay abroad, assuming that the retailer can accept contactless payments. It may be the case that the country you are in has a different transaction limits - so you may only be able to spend as much as you can when using Apple Pay in the UK.

You will likely also find that overseas charges apply, plus you will have to allow for the limitations of your mobile phone contract, data charges and foreign transaction fees.

Wondering which countries have Apple Pay?

Which countries have Apple Pay?

How to donate to charity using Apple Pay

It is now possible to donate to 22 different charities using Apple Pay.

Charities including the British Heart Foundation, Cancer Research UK and Comic Relief will now let you donate via an Apple Pay link on their websites.

We looked at the British Heart Foundation website.

1. There is a link on the home page to "Instant donate using Apple Pay". This takes you to the donation page.

2. You will need to scroll down the page to click on a button to Set up Apple Pay.

3. When we clicked that button it automatically changed to Donate with Apple Pay, at which point we were asked to enter the amount to donate

4. Clicking on the link then made the donation.

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Apple Pay launched in the UK back in July 2015 (in the US it launched in October 2014). With Apple Pay it's possible to pay for goods and services (up to £30) in the UK by tapping your iPhone, iPad or Apple Watch to a card reader - presuming you are banking with a bank that supports Apple Pay.

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FastCustomer is an app that allows you to bypass all the 1-800 number robots and menus to get to a real person faster.  With more industries opting for outsourced call centers and different departments switching you from one area to another, this app helps you get on with your day.  You also have the option of the app calling you back when you're finally with a real person as opposed to sitting listening to waiting music forever with no real contact.   It's available for both android and apple devices as well.
-M. Dunbar

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UberEATS is an app for mobile devices, that lets users get food delivery in a quick and efficient manner. With the click of your finger, and your Uber account there is no money exchanged as it goes through your credit card that is linked to your account. Currently not all restaurants are listed on UberEats but i'm sure it isn't long before most are. Having an app like this makes it easy for people who don't feel like leaving their home but still wants delicious food from the restaurants they love.
- S. Marenchuk

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GasBuddy is an app for any mobile device that allows users to view gas prices, across a vast range of stations/ companies, to compare gas prices.
Also using the location of the user, it selects stations which are closest and shows the distance to each option, along with the price for each type of fuel.
Started in 2000, you can access the real-time prices for fuel in Canada, the U.S and Australia. This app definitely helps drivers on road trips, and commuters also, to find great savings on fuel.
- C.Norris
https://www.gasbuddy.com/App

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Kahoot is a study app. It allows teachers to create games to use in classrooms. They can also take the game outside of the classroom and practice the key concepts at home.
This app is a different way for those that like to learn without feeling that they are learning. You can learn anything from math to history. Kahoot has the ability to connect classrooms across the world. With its global reach it allows students in Europe to learn English and students in north america to learn french, Spanish, and many more languages.
It isn't just about quizzes but there is a discussion board that allows students to talk with other teachers and teachers to talk to their students.
Kahoot has a feature that allows you to retest yourself to see how far your learning has come. This app is a new way of learning and it could become a part of every class.
V.McFadden

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Augmented reality is a technology that has been gaining traction in the last few years. Using software and hardware (mobile cameras/microphones, Google Glass) to enhance a live feed of reality, developers are able to create digital interactive environments. A popular example of this from recent times would be Pokemon Go. Using the camera, microphone and GPS of a mobile device; users could find and catch Pokemon (digital pocket monsters) in their own neighbourhoods. Another prime example would be a company in Japan called NEC Corp; which uses a smartwatch and pair of glasses to create an augmented reality keyboard on a person's forearm. If done correctly, augmented reality could be the wave of the future!  ~ Eric D. Jenkins

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A great mobile feature that has come into effect is apple pay which gives you the ability to make contactless payments with your apple device, not only is this new feature convenient its more secure by using finger print validation as to a 4-digit pin.
OY Omar Youssef

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Drone technology has only improved and will continue to do so, as the capabilities offered to customers grow and expand for niche markets. Basic drones have allowed users efficient aerial visibility and control through mobile technology and many more useful features on the horizon. Technologies such as sonar, metal detection, lasers, GPS, submersion, etc., provide for many interesting opportunities for developers. S. Sands.

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I think, looking back at my CloudTweaks posts that I have posted four distinct and different blogs on the concept of drones. I talked about the Pizza Delivery Drone, the modular drone concept and how to get ahead in drone advertising. Since my last drone related post almost a year ago, things have continued to evolve. The evolution has been three-fold. First off specialized function drones are exploding. You can now buy a drone that has an integrated metal detector. There are ROV's ( the market distinguishes a drone as something that flies and an ROV as something that operates underwater) on the market and that market continues to expand. Finally, there is the concept of multi-function drones, I call that category cross-over drones. They don't just perform one function.

The interesting thing: crossover category

The interesting thing I would note is this. I've seen three different crowdfunding campaigns come onto the scenes at Kickstarter and Indiegogo involving interesting cross over drones. A cross over drone offers functionality to a specific purpose. Metal detectors and Sonar are interesting functional drones. They cross over to a different function and that is interesting. First off a drone with Metal section on built-in offers a lot of functionality for Utility Companies, and for treasure hunters or people searching the beach for coins. Although I do see a time in the future when beaches will ban drones. Can you image sunbathing on a beach only to find all the drones are blocking the sun? Plus imagine how many times the drone would hover over someone's wallet. After all, you are looking for coins on the beach, right?

A cross over functional drone can do two things. In the case of an ROV, that would be to provide video back to the operator of ROV. The crossover functionality that has appeared is the ability to use and operate a hand to grab things and bring them to the surface. For aerial drones, the interesting crossover I've seen most often ( but that has failed three times also) is that of fishing and flying drones. Combining sonar, with the ability to attach a fishing line and lure so you can literally fly over a school of fish and drop your line right in the middle.

From the last post here on CloudTweaks, until now, I've seen a number of interesting trends in the drone market. The new concept that everyone advertises is 'follow me'.

If a drone were able to stay aloft for more than an hour, this feature would be a great security feature for runners and joggers. The problem is that drones are only able to stay aloft for 20-30 minutes today. I know personally, I like to exercise at least an hour if not more each day. A follow me while I work out drone wouldn't be as useful if it had to go home, ½ way through my workout. Still, this market evolution is one that will continue to be interesting.

The next thing that is interesting to me is that crossover category. Expanding to more than the initial entrants, sonar and take a fishing line to the location of fish would be an interesting mix of capabilities for drones to deliver. This would include the concept of combing GPS reckoning, with the concept of 3d laser mapping to provide an absolute map of a location. Or the interesting category of GPS reckoning and 3d laser mapping merged with pothole and other road abnormality reporting. The potential in the drone market is huge.

Over the next twelve months ( or technically 11 since my last drone post) I foresee the continued expansion of the drone market as well as the expansion of the capabilities available within the ROV and Drone market. The next interesting technology in the drone space will be the ability to buy a no-fly zone around your house. That way when you see a drone, you simply hit a button and it cannot come closer to your house. The no drone fly zone could be expanded beyond homes. There are already FAA rules that prohibit drones from flying in specific areas. The same could be done for ROV's as well. No swim zones for ROV's.

By Scott Andersen

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The Many Creative Uses In Drone Technology

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I think, looking back at my CloudTweaks posts that I have posted four distinct and different blogs on the concept of drones. I talked about the Pizza Delivery Drone, the modular drone concept and how to get ahead in drone advertising. Since my last drone related post almost a year ago, things have continued to evolve.

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Kakao Talk Application
This free mobile app is a instant messaging application for smart phones which includes free texting and free voice and video calls.  Wifi, 3G, LTE are ways you can connect to use this app. It also will sychronize your contact list to Kakao's contact for those contacts that are using this app.  It allows you to connect with people all across the world with out having to pay long distance costs. Other cool things you can do with this app is: share videos and photos, play downloadable games against friends, keep up to date with brands media, or even shop on the "Gifting" platform. I communicated with relatives in Korea and it is convienent because I can Video call with them
^_^  A.Shin

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TheScore App helps millions of sports fans check out news and information about multiple sports and sports teams on an easy to use app. This App features times and information of upcoming games, stats of teams and players, before and post game comments and other benefits like play by play breakdowns.

TheScore App helps you become more connected to your favorite teams and players, aswell as keeping you up to date on sports related news at the palm of your hand.
- K. Balicki

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theScore, Inc. 500 King Street West, 4th Floor Toronto, ON M5V 1L9

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Today, over half a billion people use WeChat, the free messaging & calling app that allows you to easily connect with family & friends across countries. It’s the all-in-one communications app for free text, voice & video calls, moments, photo sharing, and games. With this app, people are saying goodbye to expensive phone calls.
~M. Xu

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Agrivi. App•	Agrivi app guides farmers to improve their production and increase productivity. Its features include project-oriented farm management with a simple and fast way of planning, monitoring and tracking all farm activities and inputs usage, advance sales and expense tracking ensures taking control over farm finances, inventory management with low inventory alarms removes delays in production caused by lack of inputs and weather monitoring with detailed 7-day weather forecast and 3-year weather history for each field and smart disease risk detection alarms. Keep your farm records and all farming data on one place.~Jay Patel

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Agrivi. App•	Agrivi app guides farmers to improve their production and increase productivity. Its features include project-oriented farm management with a simple and fast way of planning, monitoring and tracking all farm activities and inputs usage, advance sales and expense tracking ensures taking control over farm finances, inventory management with low inventory alarms removes delays in production caused by lack of inputs and weather monitoring with detailed 7-day weather forecast and 3-year weather history for each field and smart disease risk detection alarms. Keep your farm records and all farming data on one place.~Jay Patel

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This app allows you to access all the flyers within your postal code area. For Rural individuals this can give you more access to these flyers then what may get delivered to the house. As well they include coupons from different companies and certain locations allow you to price match via the app.
~C.Clark

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This app connects teachers and parents. Teachers and parents can now communicate instantly. No more constant worry about how your child is doing/behaving at school as teachers can send instant messages, pictures  and reports. Teachers add to the reports what the class is currently learning and if your child is reacting positively or needs help at home along with specific notes. The technology promotes the home to school connections and positive learning for children as they are also able to access, communicate and upload to the app.- J. Wright

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This app allows you to access your finances without entering a bank. Gives the ability to save you or a business time by accessing stocks, e transfers and managing your payees at anytime. You will also have the flexibility to deposit cheques from your home or business or organize your bills and upcoming payments.
-A. Smith

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This app which is effectively an e-wallet provides insurance coverage to customers when they need to pay for medical services received. R. Di Cesare

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Economy, business and markets news, analysis and data from Kenya and Africa.