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8 THE APP SPECTRUM TECHNOLOGY FOR ON-THE-GO DEFAULT SERVICING PROFESSIONALS Swiftkey You might think that if you've seen one keyboard, you've seen them all, but Swiftkey does its level best to build a better mousetrap. Swiftkey continually im- proves both its autocorrect and its predictive text by learning your writing style on the fly. e app personalizes itself by learning the words, phrases, and even the emojis you use the most. Swiftkey also lets you speed up your texting with the use of "SwiftKey Flow," which lets you slide from letter to letter rather than tying each out individually. Swiftkey also supports more than 200 languages and allows you to type in up to five within the same message. Android, iOs, free WPS Office + PDF WPS Office is a sturdy, all-in-one free app that strives to replicate the Microsoft Office experience on your device. With its own versions of Office staples Word, PowerPoint, and Excel, WPS Office is compatible with Office files, Google Docs, and Adobe PDFs. e app also includes a PDF reader and converter, which easily converts Office files into the PDF format. WPS Office allows you to access your documents stored in DropBox, Google Drive, OneDrive, and others. WPS Office also allows for easy wireless printing and supports docu- ment collaboration with features such as comments and tracking changes. Android, iOs, free Pocket Casts Podcasts have become one of the go-to forms of entertainment for busy indi- viduals. You can listen in the car, at the gym, while doing chores around the house, or even while working on your latest project for your job. Name a topic, chances are you'll find a half-dozen podcasts dedicated to to—no matter how obscure. All that being said, it's very easy for "I listen to a few podcasts" to evolve into "I listen to all the podcasts." at's when it becomes crucial to have a solid app to help you sort and manage your new addiction. Pocket Casts is one of the best out there, with tons of customizable features that give you abundant options as to how you manage your podcasts, how they're updated, and how you listen. Android, iOs, paid Zelle A simple way to send and receive money online, Zelle is already integrated with many of the mobile banking apps out there, so there's a good chance you could start making use of it without having to download anything new. If your bank or credit union isn't already a Zelle affiliate, don't worry—you can still download the standalone Zelle app and do everything from paying your pool man to finally paying back your best friend for that five bucks you borrowed back in second grade. All you need to send money to someone is their email address or phone number. Android, iOs, free Cx File Explorer Anyone who's attempted to manage files on a phone has likely encountered that moment of confusion where that download that should be easy to find and ac- cess isn't. Cx File Explorer nips that problem in the bud with the help of a clean, simple interface that makes file management a breeze. Dividing files between Local, Library, and Network, Cx File Explorer also provides a breakdown of what files and apps are eating up your precious memory and makes clearing space a snap—so long as you can decide what you can bear to part with. Android, free