Forbes contributors publish independent expert analyses and insights. I write about how data & data-driven marketing are changing business. This article is more than 10 years old. Big data is new and ...

Troy Segal is an editor and writer. She has 20+ years of experience covering personal finance, wealth management, and business news. David Kindness is a Certified Public Accountant (CPA) and an expert ...

Editor's note: This article was originally published in 2016 and has been updated for 2018. We practitioners of the technological arts have a tendency to use specialized jargon. That's not unusual.