Blockchain as a service IBM and Microsoft ?

https://www.americanbanker.com/news/bank-blockchain-choices-may-come-down-to-ibm-vs-microsoft

It will be interesting to see how this all plays out , but the decentralized aspect is lost in all of these new prototypes, experiments and alliances. 

Chat bots at Microsoft

http://www.theregister.co.uk/2016/09/29/microsofts_chatbots_show_cultural_differences_between_the_east_and_west/