TMCnet Feature
June 08, 2021

5 AI apps that improve our daily lives

Artificial Intelligence is taking the world by storm. Today, solutions based on Machine Learning, Virtual Assistants, Computer Vision, etc. are used in almost every industry, influencing core aspects of daily life. And they are no longer just facilitating or simplifying what we do. More often than not, AI solutions let us reach what we could just dream about before the technology was approachable. Here are just a few examples of apps based on Artificial Intelligence that turned out to be real changemakers and took their users to the next level of capabilities.

NextBank by Miquido

Let’s move to the Philippines, 2007. You may think about divine beaches, picturesque islands and everything that you define as “tourist heaven”. In fact, moving between the Philippine islands was quite a struggle in terms of financial operations, as there was no central banking system within the archipelago. 

With over 500 standalone, non-digitised micro banks out there, managing money was troublesome for both tourists and locals. Costly banking platforms like Oracle (News - Alert) didn’t support some specific local procedures, e.g. group loans, and they were a financial overkill, given that only 23% of citizens owned some kind of bank account at that time.

Nexbank developed by Miquido was the direct answer to the needs of Filipino people and their banking system. Hosted in a cloud, fully customised for the market, available for desktop and mobile, it brought the digital transformation of the entire banking ecosystem of the Philippines. But first of all, it gave people the freedom of travelling among the islands with no concerns about managing their money.

Today, Nextbank provides cloud banking solutions to 20+ banks in Southeast Asia.

It is also not short on rewards, selected as a Finalist of the Singapore FinTech Festival 2018 and 2019, and the 2nd place winner in the category of  ‘ASEAN Fintech’ in 2020.

Seeing AI by Microsoft (News - Alert)

Let me come up with another story.

Just a few years back, Anirudh Koul, a data scientist working at Microsoft, wanted to help his grandfather, who was losing his vision. With the help of Microsoft researchers, he furthered the idea to use it for the common good. Finally, the team provided the app with vision-to-language and image classification.

Seeing AI was first announced in 2017 to become stable in 2021. The solution uses computer vision to audibly help the visually impaired and blind people to know more about their surroundings. It enables users to read out short text and documents, identify currencies, describe a person, images, etc.

To provide users with an array of functionalities, Seeing AI combines four technologies: OCR, facial recognition, barcode scanner, and scene recognition.

PZU Voice Assistant by Miquido

PZU Insurance Assistant developed by Miquido is a great example of a pioneering project using Google (News - Alert) Assistant to facilitate the insurance industry. The Assistant collects all necessary information, like the aim and destination of travel, compares offers, and suggests the best travel insurance deals.

The precursory project was developed in a team of Miquido VUI designers, cloud professionals, developers and data science experts in less than 6 weeks. The AI-powered voice advisor helps users choose their travel policy on the run, without a single tap on the screen.

Sounds far more interesting than spending hours lining up for the Insurance Consultant to help you out with a flood of insurance papers, doesn’t it?

Socratic acquired by Google

When facing problems with their homework, children may usually count on their parents and siblings. But what if their family can’t solve the math puzzle or never read the book that they’re asking about?

Today, Google’s AI-powered Socratic is a way to go.

It’s enough to take a photo of your homework. The app provides students with explanations, videos and step-by-step help, instantly.

Socratic resources are jargon-free, which helps children understand the explanations and describe the problem with their own words. The app supports all subjects including Math Science, English, Chemistry, History, and more.

How does it all work? Socratic combines cutting-edge computer vision technologies (which read questions from images) with machine learning classifiers. The classifiers use data to accurately predict which content will be the answer to your problem.

Forget asking your parents, forget paying piles of money to a tutor. AI is on its way to help you out with your education. Daily, precisely and for free.


Would you like the idea of AI taking care of your mood and mental health? At first, it may sound disturbing. But what if I told you there was an army of psychiatrists and mental health professionals standing behind its development?

Youper is an example of an emotional health assistant that enables early care for people in need of instant mental support.  It was co-founded in 2016 by Dr. Jose Hamilton, who worked as a psychiatrist in clinical settings for over 10 years, seeing more than 3,000 patients.

During his work he noticed certain barriers that kept many patients from seeking early help. First one was the fear of an intimidating encounter with a psychiatrist. The second was, obviously, the money. At this point, he came up with the idea of creating an app that would enable early mental care with no intimidation and high costs included.

It seems that Hamilton was not the only one to notice AI potential in mental healthcare. Today, the group of apps that use AI-based chatbots to improve emotional health is expanding (other examples include Woebot, Wysa or X2’s Tess apps).

Does an AI-powered app replace a doctoral visit? No, it does not. No app will ever provide you with a diagnosis. But first of all, Youper provides a much lower barrier to entry for people worried about the stigma of seeing a professional. It helps them understand their emotions better and prepares them for questions that they may encounter during the actual therapy. Also, it gives them a chance for instant relief, as one can get a session with an AI-bot whenever they need it.


In this short rundown I’ve presented the use of Artificial Intelligence in banking (fintech), insurance, physical and mental healthcare and education industries. But the list of opportunities that comes with AI is almost never ending. When developed and implemented correctly, Artificial Intelligence may not only facilitate and improve our daily activities, but also open new opportunities that we’ve never experienced before.

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