Business

Enterprise Software Companies & System Integrators

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Just published an article at PSVillage.com on why enterprise software companies should partner with system integrators/consultancies to implement their system for their customers. Excerpt below:

Recently, I joined a small, but quickly growing software company with a policy automation solution for property and casualty insurance carriers and large agencies. My immediate challenge was to increase the number of new customers that could be implemented annually. The company has had success from having a highly relevant product that has a tremendous amount of industry insight built in. However, the challenge was that the company had a limited capacity to implement new customers. Partnering with one or more system integrators or consultancies was a quick way of immediately gaining access to capacity while minimizing financial risks to the company as these resources could be more flexibly ramped up and down as project requirements demanded. This is one of the most financially valuable components of partnering with a system integrator. By minimizing the total headcount in the services organization, there is also a natural organization psychology that maintains the focus on the product rather than on services. Additionally, often times there is a symbiotic relationship that can be created as the system integrators are looking for new technologies to bring to their existing clients and you as the software company can introduce them to new customers.

Marketing

Selling Insurance to Generation X & Y

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Full disclosure, I work for a property and casualty insurance software company. That said, our software, being focused on automation and increasing direct interaction with the insured, has got me thinking about how insurance carriers should be prepared to sell to the “generation x” and “generation y” crowd. The predominant sales model in both personal lines and commercial lines products is to sell the product through an intermediary sales agent, who sometimes works for the insurance carrier, but often times is independent. Insurance is complicated, and prior to the web this model was essential to connect buyers and sellers. However, today we have Geico and Progressive increasingly showing us many of these insurance products can be explained and sold online.
I have only bought personal lines products thus far in my life, and have made decisions on fire dwelling, condo, auto, motorcycle, and umbrella policies. Here’s where my heads at, these products are not sexy. I don’t care what carrier I’m insured with. It’s not like buying a new car, or clothes or a fancy handbag. Differentiation is not the goal. I want to know I’m meeting legal requirements, covered for the types of risks I could be exposed to, and will have a great customer experience should I actually have a claim. Ultimately, trust is the most important buyer value, but price can lead the decision. Seems contradictory I know, but think about what insurance is. As a younger buyer, one is going to have their parents feedback in their head as to what they “should do”, but is also going to try to get the cheapest rate. I know this because I recently reevaluated all of my policies with my boss, who I consider to be an expert on most lines, and he joked with me, “you probably haven’t evaluated your coverage’s since college, huh?!” Yep! I was just looking for the lowest monthly cost on my automobile insurance not even realizing I didn’t have enough coverage to handle the cost of repairing most of the nicer cars on the road where I live. Whoops.

So, how should an insurance carrier sell to the gen x & y crowd?

Take advantage of social networking and tried and true ecommerce. Here are some key items essential to building trust in the brand and inspiring the herd buying concept:

  1. Potential Insured should be able to see who their friends are buying from
  2. Claims handling and overall customer service needs to be broadcast
  3. Incentives for bringing a friend

See who their friends are buying from…

It would be great if I could see who my friends have bought their insurance from, particularly when I’m about to purchase a new product that I’m not familiar with. For example, when I needed to insure a wedding ring recently, I would have loved to see who most of my friends insured with. This could be done using Facebook where a fan page or custom application could be built to promote the insurance carrier and illustrate to potential buyers which of their friends already have policies.

Overall customer service needs to be broadcast…

Lately I am making a lot of buying decisions following crowd sourced input from folks on Yelp. It started with entertainment venues and restaurant reviews, but has since grown wildly popular to yelp on how good a plumber is or moving company. Almost any local business or service has feedback on Yelp, and if they don’t, then they’re suspect! Here’s where I would use some gorilla marketing tactics to get my insureds to start broadcasting their experience with me the insurance company. (This of course assumes you have good customer service.) For example, after a call with an insured, I might ask them to go yelp about their experience, or even have the follow up email skip the lame customer survey and directly ask them to go yelp about their experience or comment on the fan page. I’d have the claims adjusters be my primary marketing team. They should be trained to inspire each customer that recently had a claim to broadcast their experience (hopefully positive). I would have them give the customer a note and verbally ask them to tweat on the spot about how awesome they’re getting taken care of in a time of disaster in their life. Imagine the impact on a buyers decision to switch carriers if they see a twitter feed on one companies fan page that shows customer after customer tweeting about how awesome their claims adjuster was!

Incentives for bringing a friend…

Incentives are tricky and often lead to insignificant results. I don’t think I ever earned anything from pitching my family on ING Direct when they first came out, but the $50 or whatever it was got me to try. In this world, cash isn’t always king though. Other incentives might be recognition on fan pages as having some kind of wisdom, special ability, cooler icon next to their name, etc. Often a call out that creates a sense of celebrity can be more powerful than a gift card.

Direct Sales

But all this marketing will only take you so far. You have to change the buying experience. My recent example of the wedding ring is one that almost made me search for another rental insurance carrier. Between the multiple phone calls required, days of waiting for quotes, limited access to view the details (e.g., was it for replacement value at the same manufacturer or would they just give me another ring of similar qualities – horror stories online), I wanted to work with someone else. Oh, and don’t even get me started on why my fiancée had to go to their office to sign an application and actually show the ring.
To really motivate the next generation of insureds, the buying experience needs to be fast and painless. So, when you get them online all excited about your amazing claims adjusters and they see that even though they have never heard of you, but many of their friends are customers, get them a quote online fast and let them complete the purchase seamlessly. Now, you may be thinking, “well that’s easy for auto insurance, but what about homeowners policies that are more complicated or a small business that doesn’t understand liability coverage?”. Well, this is where I go back to the “seamless” statement. First of all, drop the insurance lingo. Find a way using wizard type questionnaire or laymen’s terms to infer what they need, then present it to them rather than asking them to choose from a menu of insurance products that looks like it’s in another language. Assuming you can get past that part, then I’d say, use the agents! Here’s where agents can continue to play a role with the next generation of insureds. When I’m in the quoting process and get to something that either concerns me or I can’t figure out, you should have an easy “get help” process that connects me with an expert that can guide me through the buying decisions.
Now, remember, this needs to be seamless. If I am stuck and I see something that says “chat with an agent” or “have an agent call you”, and I choose that path, I better not have to give them my info again. They should be able to pull my quote right up and begin the conversation with, “I see you’re looking to add a wedding ring to your rental insurance. It all looks right to me, what can I help you with.” I then say, “Well, I was reading online that sometimes the coverage doesn’t give replacement money, but instead makes you go buy the ring from one of the insurance companies jewelers. I have a specific ring from a specific retailer and would need to replace it with the same.” The agent would then say, “No problem, the option you selected, which we call an endorsement, covers you for just that situation, but don’t take my word for it, pull up the site. See where it has a link that says “how a claim would be handled? Click on it and you can read what will be in the policy itself.” “Great!” I say and close out the call buying online. But you know what, when I get the policy in the mail it has that agents name on it and a special note saying, “I’ll always be available for any other future questions and keep me in the loop if you ever have a claim so I can make sure you get taken care of.”

Key Points:

  • Insurance products are not sexy so differentiation is on brand trust and customer experience
  • Use social networking to get groups of people to buy together
  • Automate the process to seamlessly take care of the insured in their world…online

If an insurance carrier gets this all right, my guess is they could stop focusing on the price and start charging a premium.

Technology

GraceMed – An Automated Medical Diagnosis System

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Introduction

Cars can be plugged in at the mechanics for electronic diagnosis, customer issues logged in enterprise support systems receive immediate potential solutions to their issue prior to a customer service representative looking at it, and computers send error reports when an application crashes. In industries across the world automated diagnostics becomes more and more prevalent leveraging continually advancing algorithms that become increasingly intelligent in identifying solutions to known problems. Yet in the health care industry Doctors have out dated and limited access to potential solutions and details from a patient’s case are seldom fully available to be investigated holistically.
There has been significant research on automated diagnosis, but limited practical application and integration of systems. The idea, well represented in Magnus Stensmo’s Ph.D thesis, Adaptive Automated Diagnosis, clearly paints the picture of how powerful and needed such an approach is.

Bias in today’s computer assisted diagnosis

“Enter symptom, disease type, test name or code” requests one physician diagnosis database. As with any human search that begins with keywords chosen by the user, bias inherently influences the results. If a Doctor has an assumed diagnosis, they will immediately begin searching for further evidence that their assumption can be validated. And if it isn’t, then they will have missed other potential diagnoses. Additionally, if the Doctor begins searching by symptoms, while these may be accurate, the order or weight given to any one symptom will give a bias toward related diagnosis when in fact, there may be a symptom not given any credit and thus not included in the search. Regardless of whether you consider today’s databases or the older process of researching in books, the results are always influenced by the bias of the researchers’ initial assumptions.

An Automated Medical Diagnosis System

What is needed instead is an approach that minimizes human bias and considers all relevant and irrelevant data in determining a diagnosis. Computer software does this well. With an automated medical diagnosis system, Doctors could be presented with multiple potential diagnoses based on all of the patient’s current and past details. Such a system could be designed for automated medical diagnosis that is based on probability, utility and decision theory (Read Adaptive Automated Diagnosis). Essentially, the computer software could be fed human observations of symptoms, test results, and any machine data collected such as blood pressure, heart rate, oxygen levels, etc. The software would then compare these observations with a database of potential diseases and external agents (e.g. , viruses, bacteria) to determine the most probable diagnosis.
These results would then be presented back to the doctor along with a probability rating indicating which ones are likely most relevant or accurate. Each diagnosis could also then be presented with additional direction to the doctor to further explore for additional symptoms and/or order an additional test. These additional observations and/or test results would again then be fed into the system where it could reevaluate the probable diagnoses canceling out some while raising the probability of others.
In addition to immediate interactions with the software, Intensive Care Unit’s machine observation data (e.g., oxygen levels, heart monitors) could be constantly fed into the system to allow the software to be looking for patterns that match other known diagnosis that would never be able to be caught by a human as it would take too much time to evaluate the data. Nurse’s notes could also be used in a similar manner.
The most challenging data for the automated medical diagnosis software to interrupt would be results of imaging systems. However, current advances in face recognition technology can and have been applied to reviewing images such as x-rays. This is important as “image interpretation is an error prone task. The number of lawsuits filed against medical imaging professionals that are related to the miss of a diagnosis is close to 70% (Berlin, 1995). The most common errors are perceptual errors that lead to diagnoses misses, representing about 60% of the cases (Renfrew et al., 1992).” – Application on Reinforcement Learning for Diagnosis Based on Medical Image . With a software solution, images could be reviewed against known patterns and then presented to a Doctor for a final review. Similarly, following a codification process, a standard could be defined to notate what one sees in an image that would be relevant to a medical diagnosis, which could then be understood by the software.
The database of potential diagnoses should be an online service that all medical institutions interact with in a real-time basis. This would allow for two key additional benefits. The first would be to connect Doctors in real time with their peers at other facilities with patients experiencing a similar condition. This would allow for immediate collaboration that could lead to a faster treatment. And second, by having the system online, you ensure that every doctor has access to the latest scientific diagnoses.
The system should then be designed to become increasingly more intelligent with time from increased information about each disease and ailment as well as feedback as to the accuracy of its results. Specifically, after each diagnosis, the Doctor would be responsible for submitting feedback as to whether or not the chosen diagnosis and subsequent treatment successfully resolved the patient’s problem. These responses could then go through an automated peer review with the results updating the probability factors to each disease and associated symptoms, test results, etc. Additionally, the software would record the other data learned from each patient in consideration of relevance to future cases. Results could be rated in accuracy based on how they are determined. For example, the results obtained from a biopsy or autopsy may be weighted as being more accurate than simply an observation from the Doctor that the patient recovers.

Available today

Today there are a number of point-of-care (POC) testing solutions, (also called near patient or bedside testing), but no large scale application of an automated medical diagnosis system. Today’s applications are for very focused blood tests and are far from providing the capabilities described above. Some examples:

  • http://www.icutracker.net/
  • http://www.rals.com/

The machine data required for the software has been developed such that it could be fed into such a system. There are many systems available today that would likely only require some standards to be developed for the resulting data. Some examples:

Conclusion

Software engineers everywhere can read this idea and will instantly recognize that today’s technology supports this solution. However, the greatest obstacles would be to gain public support for the requirements of fully electronic medical records and Doctors learning to work together. Progress is being made on changing the culture on both of these topics; unfortunately we have a long ways to go.
This article is dedicated to Grace Allen, a beloved mother, grandmother, great-grandmother, friend, cousin, partner and overall amazing woman. Had this system been in existence today, we would have had some more wonderful years with her.

References

Enhancement Requests

LinkedIn Job Hunting

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Before social networking applications exploded online, I used my personal data assistant. When the first Palm Pilot came out I began tracking my network. Everyone that was a part of my life eventually found his or her way into my contacts list. And when I entered someone in the address book, I used the note field to capture key thoughts about the individual (e.g., when and where I met them, a notable fact about them or their interests, family members, etc.). Later as a consultant I kept track of what company they were at and the project details so that I could easily search for them in the future (I’m terrible with remembering names, but can for some reason remember the facts in the Note field).
Today, I use LinkedIn to keep track of my professional network. I’ve found it to be a powerful tool to keep abreast of where people are working and what they’ve done in their career. It’s also great for uncovering relationships you may not be aware of. Yet, it still misses some of the key items I think are essential to becoming a truly useful tool to support the memory.
1.) Ability to link to folks you don’t want to
2.) Relationship mapping
3.) Notes
Ability to link to folks you don’t want to…
While I have a lot of people linked to me, I am very diligent about protecting the integrity of my network. Myspace became a disaster in my mind when everyone started collecting friends as a hobby versus really showing their network. Facebook has been better about not becoming the same, but eventually when the purpose is to be cool and popular, people start collecting. My goals with LinkedIn have been to only include people I feel I know well and would be comfortable acting as a reference. This however leaves a number of folks off my list, and thus LinkedIn becomes only part of the story, and my contacts list remains the master. It’s not that I know that many people I don’t like, but there are always folks that you are more of an acquaintance to and would not feel comfortable asking them to be a character reference to you and vice a versa. So, having the ability to keep track of these folks on your list, but differentiate them as not being “linked”, would be great.
Relationship mapping
With this more limited link, I’d want to keep track of what my relationship is with them. In sales and consulting, it’s important to be able to quickly understand a social network in a company. There are many formal methodologies for mapping these networks to identify whom the influencers are and whom they influence. With these you can identify who you need to focus your relationship building. Having this feature would be great to keep track of your whole network, but imagine if it was all exposed. I think LinkedIn could setup a continuum in their linking that better illustrates the relationship. Part of this exists when you say whether or not they were a colleague, friend or college friend for example, but wouldn’t it be great if you could also just indicate that they were an acquaintance or someone that you “know well”. I think this would also inspire us to focus more on our network and improving the relationships we have, as there would be an incentive to improving our relationship map with others.
Notes
And finally, I want to keep track of the little details that help me remember why I’m linked to this person in the first place. Recently in my job searching, I found that there was a person in my network that had a lot of connections at a company I’d like to work at, but I couldn’t for the life of me figure out who this lady was. She was in my network, so I must know her well enough to trust her, but nothing was coming to mind. Worse yet, when I searched my contacts and my whole computer I had no mention of this person’s name. Finally, after going through her whole network to look for a pattern of how I may know her it dawned on me that she changed her name with marriage! If only I had the note field and could have just read my note entered when we met. The good news is that LinkedIn has added this feature in the “Address Book” functionality that is in beta. This should be made more accessible though and brought to the front. Or, even better would be to have Plaxo like functionality that could import and sync all my contacts notes.
In my current job hunting efforts I have found ones network to be the only successful way of getting the interviews at the places you truly want to be a part of. People like to hire people they know or that are recommended by people they trust. That’s human nature. LinkedIn does a great job of facilitating this, but with some additional key features, could become even more powerful to all of us. It may even improve how we all nurture our network.

Mobile Web

Location Based Guides Disappoint

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Today I was walking back from Golden Gate Cycles where I had dropped off my motorcycle to get a new windshield added. [Yes, I could probably do it myself, but who wants to chance having it fly off while cruising down a freeway?!] It was morning and I hadn’t yet eaten breakfast. I was looking for a simple café to grab my traditional bagel breakfast with a coffee. At long last, a great reason to use the iPhone’s location aware applications!
Standing twenty feet in front of Alexandria Café, and next to a sidewalk billboard, I couldn’t get it to pull up on any of the map based applications. As I sat down to have my breakfast I decided to add it to Yelp and comment on the place. I first went to the Yelp application, but was surprised that it was nothing more than a one way data stream. They haven’t yet included the ability for people to comment on the go. Seems odd given that’s the point of Yelp.
After the café, I walked home. About midway I decided to test the experience again. This time I attempted the use case of someone wanting to find a good lunch restaurant near them. I figured this would work better. I first opened Where, which aggregates a few of these services. But, Where was difficult to use as I couldn’t zoom in on the map and it wasn’t finding me very quickly. I then tried Limbo, one that I think is organized well with it’s fast search of restaurants, bars and shopping places near you. Yet, when I clicked on Restaurants, of the thousands it said it found, all were “1/4 mile” away and none were places that I could visually read their storefront sign. Yelp? No, missed most of the places. Everything wanted to drag me through a long list and was slow to really understanding where I was.
I understand that many of these applications are trying to quickly position themselves with consumers to gain a “first mover” advantage. I think this is the wrong approach. If someone doesn’t like the application, they’re going to delete it and not be inclined to use it again. If you wait, till you really have a good offering, you’re still going to be able to gain share of users as the product will speak for itself and through viral marketing everyone will switch when yours is available.
Where, Loopt, Yelp, Whrrl, Limbo, etc. (iPhone applications) are all far from where they need to be in order to real excite people and provide the service we’ve been dreaming about. These applications need to do a better job of loading the location information (too many times it pulls up where I was yesterday) and need to tailor the content. This isn’t the web on my PC where I will forgive long lists of non-tailored businesses because I can more easily sort and filter them away. This is my mobile phone, I’m hungry and I’m on a sidewalk!

Business

A Better Restaurant and Entertainment Guide

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I think I work too much, or something, because it seems most of my ideas originate from needing to be able to orchestrate something quickly and last minute. Or, I’m just a big procrastinator.
As I’ve mentioned before, I’m really disappointed with the current restaurant and entertainment guides out there. They just haven’t evolved from a basic database of items with attributes. To really make a great Yahoo! Local or better Citysearch, you have to move away from what fields go in the database tables and start thinking about the user experience first.
Here’s an example use case that illustrates the struggle one has with existing guides (try to go online and solve this riddle quickly):
You have a friend that just called you up and said they’re in town for business and would like to get together for dinner. They’re a close friend and someone you’d like to entertain and show a good time in your city, of which they’ve never been to and are really excited to see. Oh, and they’ve only got a couple of days and one evening with you.
Now, let’s say you want to pick out a restaurant that highlights something unique about your city or has some form of entertainment. How do you find that in a list of cuisines or restaurants by neighborhood?!
Bring on the wizards! The design needs to include a wizard type questionnaire, something that guides you through options and then returns a succinct list of places that match your criteria. Oh, and it should be accessible from your computer or mobile phone. It could start out with basic options (like the Limbo iPhone app): Dining, Event, Shopping, Outdoor Activity, and Indoor Activity. From here, you’d drill down into more specificity that would ultimately bring back the short list of places.
Returning to the use case, we’d start by selecting Dining. From there, it might offer the next options such as: Intimate, Lively, Entertaining, Quick, and Culinary Delight. Let’s say you want to have it be entertaining. The next menu may ask: Live Music, Dancing, Theatre, and Participatory. From here, if you choose participatory it may include a place that has belly dancing, or a restaurant with a comedy show where you become part of the act. Ultimately restaurants could be listed under multiple options if appropriate.
Now, you have some great options, but which one do you go with? At this point, if it’s done right you’ve made it pretty easy, but I’d take it a step further. Let’s integrate with OpenTable and have location based service utilized. Meaning, tell me what has a table for when I can make it and is closest to my friend’s hotel!
To take it just a bit further, let’s say you chose Intimate. The next screen would then ask: black tie, sport coat, nice shirt, outerwear, T-shirt, no shirt. I’m sure your imagination can plug in different restaurants that fit the different attire. Speaking of attire, what a great way to start if the person doesn’t have anything in mind!
I’d include a “no idea” start button that skipped the first menu of Dining, Shopping, Events, etc. and just ask a simple question. What will you be wearing? Then offer the same menu. An example break down for T-shirt might bring up bowling. It would also need to specify when at the end to determine whether to include items with advance purchase requirements.
If anyone wants to give me the budget to put this together, I’d love to!

Marketing

SMS Promotions on Merchandise Advertising

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On a recent trip in Milan, McDonalds had a game going on where you registered via SMS. Using SMS to connect with customers is quite common in Europe and Asia, but still in its infancy here in the US. When looking at it though, it sparked the idea that SMS could really change the way merchandise promotions functioned. The simplest example would be the Coke rewards program. How much simpler would it be if they had a short code and all you had to do was send an SMS to their short code with the number on the bottom of the bottle cap. There system would then recognize your phone number, register you if you haven’t yet and track your points. I bet many more people would participate if they didn’t have to keep track of those bottle caps until they were near a computer!
My favorite merchandise promotion is McDonald’s Monopoly game. Since I was a kid I loved collecting the game pieces and hoping that I’d win one of the big prizes. I never did though, but still enjoyed it each year. Now that I have much cooler toys that use the Internet, I’d like to see a virtual version of the game where each game piece could be registered online or via SMS. This way, I wouldn’t have to keep track of the pieces.
The possibilities are endless and the customer connection is intimate. Provided you were exceptional about how you used and protected your customer’s mobile phone number, I think a lot of people would participate. The trick with all of this will be integrity. You need to state your rules right up front (like how many times you’ll contact the person if they give up their number and send a message to you). After that, you have a two way dialogue you’d never have had.

Business

Office Lunch Aggregator with PayPal Billing

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On one of my last projects, one of my managers that regularly gathered lunch orders, proposed the idea of a simple online site to do the job. There are a number of restaurant delivery services in different cities, but none of them that I am aware of offer an aggregation service for work colleagues that includes split check billing.
The idea would be to have integration with a number of different restaurants that provided take-out lunches. The system would then have one person choose the location for the day and then allow a group of colleagues to go to the site and pick their order. They would then be able to pay for their portion via PayPal or something easy for the pick-up person to be able to pay the bill (or have it automatically paid) and get the food.
The simplest way to integrate this service with restaurants would be to have online orders simply faxed to the destination, aggregate the funds from each colleague and transfer them to the person doing the pick-up. More fancy integrations could include automatic payment to the restaurant and automatic insertion of the order to their systems. With an open platform, this could be really awesome.
For now, we’ll all continue to collect cash in the office.
Author’s Note: As part of all my blog entries I try to provide a lot of links to relevant reference material related to the entry. I typically do this research after I’ve written the entry. In this case, I was impressed to find Lunch Prodigy. Now they just need to add billing capabilities!

Communications Industry

Remote Desktop Support for Mobile Phones

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With the increasing use of smartphones, many users are simply overwhelmed by their features. I’d like to see the ability to access a mobile phone similar to how current remote desktop applications work. I think it would be great if the mobile company or manufacturer of the phone could simply connect to the phone directly and help the customer resolve their issue. This idea may be way before it’s time and need, but it originally came to me when I wished my father knew how to use the SMS application on his mobile phone. I wanted to be able to remotely show him on the phone by having me navigate online and have his phone menus change in front of him. Additionally, with all the enterprise customers out there, I think IT help desks would appreciate being able to remotely take control of a Blackberry or iPhone to investigate an issue (I spent several hours and multiple days with a support person in India trying to troubleshoot a synchronization issue with my last Blackberry and the Blackberry Enterprise Server integration with my companies email servers.

Mobile Web

Cupid iPhone App

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With all the social networking applications being built for the recently launched iPhone 2.0 software, I’ve noticed that my favorite idea of tech flirting still hasn’t really been approached. I suppose Dodgeball comes close, but not taking full advantage of location based services.
I’d like to see a simple application that is location aware and keeps a profile of me and my interests. Imagine being in a park and the Cupid app pings you to let you know someone else is in the park that has similar interests and is interested in meeting new people. You could immediately connect these two people, allow them to have some anonymous flirting on their mobile phone using SMS or some kind of chat app, then connect them up if they’re interested.
Imagine the possibilities, you could do a “missed connection” feature where Cupid pings you, but you didn’t take the ping because you were busy or not interested at the time. You could follow up later and ping the person with a “missed connection” that would tell them you were both at X location on Y date and time, your profiles matched, but it was a missed connection.
You could share profiles with each other before flirting, during or after. You could even monetize this by charging for the connection. It would need a great online application to complement the mobile app, filling all the traditional features of match.com, etc.
eHarmony has spent a lot of money trying to figure out the algorithm of love. I wonder if what we do and where we go would be a better indicator than a survey. This app could keep track of these things along with our Yelp ratings, Netflix favorites and even our Amazon recommendations.
I’m sure it’s in development or coming soon… Let me know if you’ve seen anything like this.
Some interesting approaches:

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