Tech News – indscoop http://www.indscoop.com Technology News, Entertaiment Thu, 19 Apr 2018 03:21:50 +0000 en-US hourly 1 https://wordpress.org/?v=4.9.5 114420553 Use E-Wallets as Prepaid Cards http://www.indscoop.com/use-e-wallets-as-prepaid-cards/ http://www.indscoop.com/use-e-wallets-as-prepaid-cards/#respond Tue, 21 Nov 2017 09:35:34 +0000 http://www.indscoop.com/?p=18037 […]]]> Prepaid cards will help fill in the gap while making inter-wallet transactions. It will give users a wider range to use their e-wallet apps.

Reserve Bank of India recently  issued some  e-wallet guidelines, indicating higher compliance standards if you want to continue using e-wallets. As per the guidelines, e-wallets could soon become interoperable too. Currently, you cannot do a transaction between, say, Paytm and Mobikwik e-wallets. Similarly, not all e-wallets are accepted at all merchant outlets and e-commerce sites.

This happens because typically, online or offline merchants accept e-wallet transaction only after signing exclusive tie-ups with an e-wallet company. That can somewhat restrict their wider usage. To make e-wallets acceptable on a larger scale, e-wallet companies have now started offering virtual prepaid cards on apps for their customers.

The offering

To increase the transactions, e-wallet companies are looking for options that let their customers use the money lying in their e-wallets at multiple platforms. The easiest way to do this is offer their customers a prepaid card that runs on a Visa or MasterCard platform. Almost all online merchants accept Visa- and MasterCard-enabled cards. Since e-wallet companies can’t independently offer Visa or MasterCard prepaid cards, they have to partner with banks for this. As per regulations, only banks can issue these cards. Currently, banks such as RBL Bank Ltd and IDFC Bank Ltd are providing prepaid cards linked to The Mobile Wallet and Mobikwik e-wallets, respectively. As of now, e-commerce companies such as Flipkart and Amazon do not accept payments from other e-wallets such as Paytm and Mobikwik. Using these prepaid cards, you will be able to transact on these platforms using the money held in your e-wallet.

How it works

Prepaid cards for e-wallets, which usually run on Visa or Mastercard platform, are issued by partner banks. These cards are similar to debit cards: have a 16-digit unique number along with an expiry date and a CVV number. However, prepaid cards of most e-wallets are virtual cards. You can generate it from your e-wallet app and it will stay inside the app. Some e-wallets have started issuing physical prepaid cards too. Like any debit card, this card will also come with a personal identification number (PIN). To make an online payment using your virtual prepaid card, you have to go to the debit card payment option on the website where you want to do a transaction, enter the 16-digit card number, expiry date, CVV number and your PIN. After these steps, your transaction will be complete. You can use these cards wherever Visa or MasterCard are accepted. The card’s transaction limit is the same as your e-wallet, as the card is a replica of your e-wallet. This service is provided free of charge and can only be used for domestic transactions.

Top E-Wallets offering Virtual Prepaid Cards

  1. Freecharge
  2. Udio
  3. Oxygen
  4. Payzapp by HDFC Bank
  5. Pockets by ICICI Bank
  6. DigiPurse by Union Bank
  7. PayApt by IDBI Bank
  8. M-Clip by Bank of Baroda
  9. Slonkit – DCB Bank
  10. Digibank by DBS Bank India
  11. Yes Pay by Yes Bank
  12. Zeta – RBL Bank
  13. State Bank Buddy

Benefits for you

If you were not able to use your e-wallet at an e-commerce website, a virtual or physical prepaid card linked to your e-wallet will help overcome that barrier. This facility is also useful for those who don’t want to expose their bank account while doing online transactions. But in a sense, through this process, e-wallet companies are going back to the days of card transactions.

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VoLTE era begins: Jio and Airtel now offer free VoLTE calls http://www.indscoop.com/volte-era-begins-jio-and-airtel-now-offer-free-volte-calls/ http://www.indscoop.com/volte-era-begins-jio-and-airtel-now-offer-free-volte-calls/#respond Tue, 31 Oct 2017 05:35:55 +0000 http://www.indscoop.com/?p=17716 […]]]> The VoLTE war has started in India and two of the country’s most popular telecom operators have entered the ring. Last year Jio made headlines for changing the face of telecom connectivity in India by launching the VoLTE services, and consequently unlimited “free calls” in India and now Airtel that is arguably India’s largest telecom operator has announced the launch of VoLTE services.

Just like the Jio VoLTE calls, the Airtel VoLTE calls are also free!

The Airtel VoLTE services has been launched in Mumbai first and the country-wide roll out is expected to happen in the next few months. Like Jio’s service, the Airtel VoLTE also works on 4G network and will offers HD voice quality calls along with faster call setup time. Airtel has long been in fight with Jio over its free or cheap data plans and has left no stone unturned to match against it. But due to the free VolTE calls that Jio offered, it seemed Jio had the edge. Now that changes. Now it seems Airtel too can offer free calls, although for now only in Mumbai.

So what is Airtel’s VoLTE service? How is it going to change the dynamics of the Indian telecom market? Are the VoLTE calls be free? These and many more similar questions we answer here to help you get a better picture of what is happening in the Indian telecom sector currently.

What is Airtel VoLTE service?

Before understanding Airtel VoLTE service, it is important to understand what is VoLTE service. Currently, in India VoLTE — it stands for voice over LTE — is only offered by Mukesh Ambani-led Reliance Jio in India.
VoLTE allows an operator to offer both voice and data over a 4G LTE network. The big advantage of VoLTE is that call quality is superior to 3G and 2G connections (through which voice is usually routed) as much more data can be transferred via 4G.

VoLTE also allows for greater coverage, at least theoretically. The frequencies that 4G operates on, like the 800MHz spectrum, have far greater reach than the 2G or 3G spectrum. VoLTE also increases battery life of a smartphone as the network does not need to constantly switch to the 3G/2G network every time a call is placed.

VoLTE has many advantages such as superior range, better voice quality and less drain on battery life. Now Airtel has launched this VoLTE service and it is called Airtel VoLTE service.

Are these Airtel VoLTE calls free?

Yes, there will be no additional data charges for VoLTE services. The calls will be billed as per the existing plan or packs benefits just like Jio.
How to get Airtel VoLTE in your 4G enabled smartphone?

— Check mobile device compatibility here . Airtel has tested and certified popular device models for VoLTE compatibility. More models will keep getting added to this list. Popular high-end smartphones are currently supported.

— Upgrade the mobile device’s operating software to the latest version that supports VoLTE. This update is provided by the handset manufacturer.

— Ensure the device has a Airtel 4G SIM. Customers can upgrade to the 4G SIM by visiting the nearest Airtel store.

— Enable VoLTE by following instructions here .

The Airtel 4G SIM should be in the data SIM slot/slot 1 and network mode should be set as “4G/3G/2G (Auto)” to enable the Airtel VoLTE. iPhone SE, iPhone 6S, 6S Plus, iPhone 7, Redmi Note 4, Mi Max Prime and Oppo F3 Plus are some of the famous smartphones that are compatible with Airtel VoLTE.

How will Airtel VoLTE service change the dynamics of Indian telecom market?
Airtel’s launch of its 4G VoLTE services come at a very important time when Jio is disrupting the industry and causing a lot of headache to leading operators like Airtel and Vodafone. Until now. Reliance Jio was the only telecom operator in India offering VoLTE services which allowed it to easily offer voice calls for free.
As VoLTE allows the operator to route calls via the data network, the operator incurs lower cost while providing the service. That was the main reason why Reliance Jio was able to provide voice calls for free to all of its subscribers easily.

With VoLTE at its disposal, Airtel could also now start offering completely free voice calls to all of its subscribers. Airtel has a large user base on 2G and 3G network and the company could now offers attractive offers and upgrades to get them on the 4G network.

There are rumours that Airtel is in talks with different handset dealers to offer a cheap 4G-enabled smartphone so there are heavy chances that the company could even pull a large number of Jio users who are facing trouble with Jio’s spotty network in some areas on to its network. Reliance Jio has a VoLTE exclusive network which does not support 2G or 3G connectivity.

Next big change in the Indian telecom industry is VoLTE and with it we can expect that in future, all calls will be free. People will only be charged for data they consume. With telecom giant Airtel entering the VoLTE market, now we can expect other telecom companies like Vodafone, Idea and BSNL may also join the bandwagon soon.

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Google Home and Chromecast vs. Amazon Echo and Fire TV http://www.indscoop.com/google-home-and-chromecast-vs-amazon-echo-and-fire-tv/ http://www.indscoop.com/google-home-and-chromecast-vs-amazon-echo-and-fire-tv/#respond Tue, 31 Oct 2017 05:29:32 +0000 http://www.indscoop.com/?p=17712 […]]]> Which is the best hands-free TV experience?

Let’s be honest: Reaching for the remote while watching TV isn’t a major inconvenience. But sometimes, after a long day, it’s nice to expend as little energy as possible. If you can control your TV by voice instead, why wouldn’t you?

To that end, Google and Amazon now offer hands-free TV controls through their respective connected speakers. Amazon added Fire TV voice controls to the Echo speaker and other Alexa devices a couple weeks ago, while Google has offered similar voice controls for Chromecast through its own Google Home speaker since last December. Both combos allow you to launch videos, pause, play, rewind, and fast forward without ever touching a remote control.

At least that’s how it works in theory. You’ll quickly run into limitations once you start stress-testing Google Home with Chromecast or Amazon Echo with Fire TV. If you’re looking to control your television with these smart speakers, here’s what to expect from each solution.

Device support

With Alexa devices such as the Amazon Echo, voice control works for all Fire TV products. That includes the first- and second-generation Fire TV box, first- and second-generation Fire TV Stick, and Fire TV Edition televisions.

Amazon Echo voice commands work with any Fire TV device (including first-generation models).
Google Home can control all Chromecast models (including the 4K-enabled Chromecast Ultra) and televisions that have Chromecast built-in. Android TV devices are supported as well, but I got an error message when trying to launch Netflix videos on an Nvidia Shield TV. (Playing YouTube videos worked fine.)

Setup

With a single Google Home, you can control any Chromecast throughout the house. The Google Home app for iOS and Android lets you link multiple Chromecast devices to the speaker, and you can set up custom device names (like “Living Room TV” or “Basement Chromecast”) to use in your voice commands.

By contrast, each Amazon Alexa device must be assigned to a single Fire TV, chosen through the Alexa app on iOS or Android. This approach does allow for shorter voice commands, since you don’t have to specify which device you’re controlling, but it won’t work for certain setups, such as a large basement with multiple TVs within earshot of an Echo.

Launching videos

Today, Alexa can only launch videos from Amazon’s own Prime video service on Fire TV. Asking for a movie or show that’s not on Prime takes you to a generic search results page, which you can’t navigate without a remote. (One exception: If the search brings up only a single result, you might be able to launch it by saying “Alexa, watch that.”) You can also ask Alexa to launch specific apps like HBO Now and Hulu, but you need a remote to proceed any further into the app.

Chromecast and Google Home aren’t much better at the moment, with support for just Netflix and YouTube videos. In May, Google announced that it was expanding voice controls to HBO Now, Hulu, YouTube TV, Google Play Movies & TV, CBS All Access, Food Network, CW, HGTV, Red Bull TV, Travel Channel, Crackle, DIY Network, Viki, and Cooking Channel, but it’s unclear when this support will become available.

Playback controls

Both Amazon Alexa/Fire TV and Google Home/Chromecast support the basics, such as pause, play, rewind, and fast forward. You can also use voice to fast forward or rewind by a specific number of minutes; you can also skip ahead to the next episode.

Since Chromecast lacks a dedicated remote, voice commands may be the easiest way to control basic playback.
But both device combos go off the rails when you want to watch a particular episode or season. Ask Alexa for the next season of a show, and it takes you to the next episode instead. Ask Google Home for the same thing, and it simply tells you that it can’t do that yet.

Still, Google Home has a couple of advantages for now: You can tell it to turn closed captions on and off, and you can tell it to turn the volume down from your television’s current level. (Note: This only adjusts the volume on the Chromecast, not on the TV itself, and it may not work at all if your TV volume is managed by a separate sound system.)

Browsing for things to watch

If you just want to use voice search to see what’s on, Fire TV has a theoretical advantage, with search results that appear on the TV screen. By comparison, asking Google Home to suggest movies or shows only gives you a few spoken suggestions through the speaker, with nothing appearing on the TV via Chromecast.

In practice, though, neither set of devices is particularly useful for browsing. Fire TV only shows a few results at a time, with no way to view supplemental information or navigate through the results by voice. And while you can ask Google Home to tell you more about a particular movie or TV show, the process feels more cumbersome than just reaching for your phone.

TV and A/V controls

Although Google Home and Amazon Alexa don’t offer direct control over most televisions and sound systems, they both work with Logitech Harmony hubs, which in turn can control various TVs, sound systems, and streaming boxes. You don’t even need a Fire TV or Chromecast to use the Harmony this way–it can control your TV directly using either infrared or RF communications.

Amazon has also gone a step further, offering developer tools that allow any TV or A/V manufacturer to embed Alexa controls directly into their hardware. But so far, only Broadlink hubs and 2017 model-year Sony 4K HDR TVs support this. Amazon says controls for Denon, Crestron, LG, and Pulse-Eight systems are coming soon.

The verdict

Despite Google’s nine-month head start in offering hands-free TV controls, it only has a minor edge over Amazon due to its volume and closed-caption controls, and its support for both Netflix and YouTube.

Still, this space should change quickly in the months ahead. Google has already promised support for more streaming services, and Amazon now offers developer tools for streaming services that want to add their own Alexa playback controls. As the two companies battle to build the best virtual assistants, you might soon be able to watch TV without moving a muscle.

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WhatsApp Beta version shows UPI payment feature http://www.indscoop.com/whatsapp-beta-version-shows-upi-payment-feature/ http://www.indscoop.com/whatsapp-beta-version-shows-upi-payment-feature/#respond Tue, 31 Oct 2017 03:08:35 +0000 http://www.indscoop.com/?p=17681 […]]]> WhatsApp will soon facilitate instant money transfer via the Unified Payments Interface (UPI) transaction system, shows a new Beta update by the Facebook-owned mobile messaging platform.
Launched by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India RBI), UPI facilitates the instant fund transfer between two bank accounts on the mobile platform.
With over 200 million monthly active users (MAUs), WhatsApp has been in the news for working towards a UPI-based interface in its platform.
Now, with the new update to the beta channel (which brings the application up version 2.17.295), we get a glimpse into a new potential feature for the future. It’s called WhatsApp Payments and it looks as if it will allow for immediate bank to bank transfers. The feature is still under development and there could be coming that prevents it from being brought to the public. But it looks as if we’ll be able to send payments to one another via WhatsApp in a future update.
Mobile payments have been on a rise since last year’s demonetisation. In such scenario, digital payments app Paytm has seen major growth in terms of transactions and its user base. It is to be mentioned, as WhatsApp is entering into payments, Paytm is planning to introduce its messaging feature.

WhatsApp is not the only app that is entering into digital payments. Several other popular services such as messaging app Hike and Truecaller already support UPI payment services. However, this move from WhatsApp, the most popular app in India with over 200 million active users, will surely give a boost to digital payments in India.

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iPhone vs Android: Which is better for photography and what makes Google Pixel special http://www.indscoop.com/iphone-vs-android-which-is-better-for-photography-and-what-makes-google-pixel-special/ http://www.indscoop.com/iphone-vs-android-which-is-better-for-photography-and-what-makes-google-pixel-special/#respond Mon, 07 Aug 2017 05:00:50 +0000 http://www.indscoop.com/?p=16302 […]]]> Clicking good pictures with the iPhone 7 Plus is easy. You just point the phone and click the photo. The iPhone software and the way the device processes images is so good that chances are you will get an image that is exposed accurately and has great white balance.

The portrait mode in the iPhone 7 Plus is truly remarkable. It’s no longer unique. The OnePlus 5 offers similar feature and the so does Micromax Dual 5. Huawei phones too have the similar feature. But the iPhone’s works best. It consistently creates most natural looking pictures.

For shooting videos, the iPhone 7 Plus is miles ahead of other phones in the market. The image stabilisation, the way it deals with focus and the way it processes the footage flawless.

Actually, the features and performance of the iPhone 7 Plus camera make it a very good phone for photographers. It’s an all-rounder and may be that is why Gundotra fell in love with it. But it’s not best and no, Android is not years behind the iPhone when it comes to photography. The iPhone right now has an Achilles’ heel and that is its relatively smaller image sensor. In comparison, there are three Android phones that have stellar image sensors inside them, which give them an edge.

These three phones are: Galaxy S8 (Indian version with Samsung ISOCELL image sensor), Google Pixel (and Pixel XL) and HTC U11.

All these three phones not only click photos with great amount of details they also have superb dynamic range and ability to deal with low light in a better way. In fact, in low light there is no comparison. A Samsung galaxy S8 or a Google Pixel in low light beats the iPhone with ease. In photos clicked with these high-end Android phones, the shadows are cleaner, the noise is lower, the colours are punchier and there is more dynamic light.

Clicked with Google Pixel

Of these all, the Google Pixel is truly remarkable. When compared to a phone like the iPhone 7 Plus, it lacks the fancy portrait mode or telephoto lens. Although it does have a sort of feature that allows users to shoot blurred background. But when it comes to pure image quality, there is no competition between the Pixel and the iPhone 7 Plus. Even in good light, where the larger image sensor in the Pixel is not much of an advantage the Pixel clicks photos that have much better details and a photo that less noise in shadows.

In low light too, the Pixel beats the iPhone with ease. It is a wonderful photography tool with the best camera ever seen in a mobile phone. And for some of its stellar performance the Pixel employs the same technology — computational photography — that impresses Gundotra so much in the iPhone 7 Plus. It’s just that instead using its algorithms to blur background, the Pixel uses them to create higher dynamic range. This is why sunset photos clicked with the Pixel are some of the best you will see. the computational photography is also something that gives the Pixel an edge in low light, as it helps the camera in the phone to intelligently map and process the data it is capturing.

So, iPhone 7 Plus or Pixel for photography

The question to this answer is simple: if you are going to shoot still images, there is no option for you but to take the Google Pixel. It is phenomenally good for still images. But video is your concern, then there is nothing better than the iPhone 7 Plus.

Both are good enough for most people. But my personal preference remains the Google Pixel because of the quality of photos it clicks in low light. This may change once the iPhone 8 with its revamped camera arrives. Or it may not. But right now, there is very little doubt in my mind — and this after using both the iPhone 7 Plus and the Pixel — that Google’s phone is definitely not behind the iPhone in photography.

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How to Share Google Keep Notes With Other Apps on Your Phone http://www.indscoop.com/how-to-share-google-keep-notes-with-other-apps-on-your-phone/ http://www.indscoop.com/how-to-share-google-keep-notes-with-other-apps-on-your-phone/#respond Sat, 05 Aug 2017 16:40:33 +0000 http://www.indscoop.com/?p=16183 […]]]> Google Keep is one of the simplest ways to collaborate with vanilla notes. You can tap and feed a Gmail ID to share notes with a colleague or family member. But did you know that the Google Keep app on your phone also allows you to share notes with other apps?

The most obvious way is to send Google Keep notes to Google Docs.This transfer is useful when you want to develop quick ideas: capture an idea in Google Keep, then send it over to Google Docs to flesh out the details. You can do this on the web, Android, and iOS.

  1. Select the note you want to send.
  2. Click More (the three vertical dots).
  3. Click Copy to Google Doc.

Similarly, in the iOS app, select the note (don’t open it) with a touch. Click the Actions icon (three horizontal dots). Select Copy to Google Docs from the menu which slides into view from the bottom of the screen.

Sharing Notes With Other Apps

Often, it can be useful to jot down little reminders for a point you want to include in an email or mention in a chat conversation. With Google Keep you can send a note to other Google products like Gmail and Hangouts. This only works on the mobile apps.

The side-benefit is that you can use Google Keep to send something to a non-Google application on your mobile OS too.

For instance, you can use Google Keep like a “draft folder,” or as a writing pad to share your thoughts. Here are some ideas:

  • Prep your Facebook Status message or tweets in Google Keep and send it at the right time.
  • Jot down your thoughts and then send it as a mass SMS to a group via Messages (iOS) or WhatsApp.
  • Send a Slack message from Keep, add to a Trello board, or save a note on Evernote.

For instance, I often note my half-formed ideas on Keep so that I can distribute them to the respective apps when they have evolved into something complete. Notes need to easy and speedy. The quick access of Google Keep helps to capture those brain sparks.

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Waze is finally available on Android Auto http://www.indscoop.com/waze-is-finally-available-on-android-auto/ http://www.indscoop.com/waze-is-finally-available-on-android-auto/#respond Sat, 05 Aug 2017 03:16:56 +0000 http://www.indscoop.com/?p=16181 […]]]> After a couple of months of beta testing, the popular, Google-owned navigation service Waze has finally made its way to Android Auto.

The Android Auto app retains the functionality of its mobile counterpart, including the familiar police, traffic, and crash reporting features, but adapts everything for the much larger screen of your car’s center console. Everything is pretty straightforward, especially if you have experience with the mobile app, and initiating routes is easier than ever. All it takes is an “Ok Google” and the name your final stop. Of course, your “Home” and “Work” locations, as well as all other places that you may have starred on the mobile app, will translate to Waze on Android Auto when you sync it up.

Google Maps has been a go-to service for many Android Auto users for quite some time now, and although it still has its place on the platform, Waze brings so much more to the table when it comes to GPS navigation. Many of you are probably already using the app on your smartphones, but if you own a car that supports Android Auto, there’s no good reason to keep mounting your phone on the dashboard and squint at the small screen!

Further, Waze’s interface has been re-tailored to work on much larger displays and to be useful and efficient while driving, which means that the map is now much larger and so are the various icons on it, denoting alerts, hazards, points of interest, and others. You’ll also get the familiar visual and audio alerts to keep you informed of what’s ahead and to help you find the quickest routes to your destination.

Setting up Waze on your car is easy. All you have to do is install the latest versions of the Android Auto and Waze apps on you smartphone, connect your phone to one of the USB ports on your center console, select “Waze” from the navigational menu, and you’re pretty much set! For more detailed instructions, refer to the official Waze blog, linked below.

source: Waze via Google

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How to use WhatsApp on your computer to message more http://www.indscoop.com/how-to-use-whatsapp-on-your-computer-to-message-more/ http://www.indscoop.com/how-to-use-whatsapp-on-your-computer-to-message-more/#respond Fri, 04 Aug 2017 06:31:28 +0000 http://www.indscoop.com/?p=16169 […]]]> You might not know that WhatsApp isn’t just bound to your phone, though. You can use it on your computer, too. This lets you get a better look at photos, makes reading lengthy paragraphs a little more manageable, and allows you to scroll faster through group messages to get to what you’re looking for.

Here’s how to set up WhatsApp Web so you have access to the app in two places instead of one. Once you do this, all of your messages will be synched between the two devices.

Anyone with the following phones can set up WhatsApp Web:

  • Android
  • iPhone ( iOS 8.1 and higher)
  • Windows (8.0 and 8.1)
  • Nokia S60
  • Nokia S40 EVO
  • BlackBerry
  • BlackBerry 10

If you have one of those phones, you’re set to get started. The first thing you’ll need to do is go to web.whatsapp.com on your computer. Make sure your phone is still using data or a Wi-Fi connection. You can only access WhatsApp Web if your phone is working since that’s the main connection for your account.

You should see the screen below after you follow the link.

You’ll see a QR code when you go to WhatsApp Web.

The next step is opening up WhatsApp on your phone and signaling that you want to use WhatsApp Web.

Here’s how to do so on each compatible phone.

  • On Android: in the Chats screen > Menu > WhatsApp Web.
  • On Nokia S60 and Windows Phone: go to Menu > WhatsApp Web.
  • On iPhone: go to Settings > WhatsApp Web.
  • On BlackBerry: go to Chats > Menu > WhatsApp Web.
  • On BlackBerry 10: Swipe down from top of the screen > WhatsApp Web.
  • On Nokia S40: Swipe up from bottom of screen > WhatsApp Web.

 

This is what it looks like on my iPhone. Once you hit “WhatsApp Web/Desktop” the app will access your phone’s camera so you can scan the QR code on your computer.

Use your phone to scan the QR code.

After you scan the QR code, WhatsApp Web will open up so you can start chatting away. If you have any previous conservations on your mobile app, they will all show up here.

Continue conversations on WhatsApp Web.

You can also download WhatsApp Web for your Mac or Windows PC if you’d rather do that. Mac users will need Mac OS X 10.9 and higher and Windows users will need Windows 8 and higher.

The whole set up should take less than five minutes, so you might as well do it right away. Then just start enjoying WhatsApp in all the places you can!

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Understanding GST on Credit Card Transactions http://www.indscoop.com/understanding-gst-on-credit-card-transactions/ http://www.indscoop.com/understanding-gst-on-credit-card-transactions/#respond Thu, 03 Aug 2017 06:15:08 +0000 http://www.indscoop.com/?p=16177 […]]]> Credit card transactions will undoubtedly be covered under GST and it would be applicable on late credit card payments, interest rate and processing fee.

There were rumours doing round that GST will be levied doubly on credit card transactions/payments, once on the Utility Bill and again on the Credit Card Bill. However, the truth is that there would be 18% GST applicable on Late Credit Card Payments but nothing would be charged doubly. Revenue Secretary – Dr. Hansmukh Adhia had also clarified this in one of his tweets earlier this month. Credit card transactions will undoubtedly be covered under GST and it would be applicable on late credit card payments, interest rate and processing fee. GST will not be applicable on foreign credit cards.

A set off facility is also available to the banks whereby the end customers will be the recipient of any savings that result from the bank setting off their liabilities pertaining to GST against credit received by them on purchase of goods.

The concept of Input Service Distribution i.e. ISD uses the accumulated input credit in those cases where areas releasing liabilities of GST are not quite the same as area where inputs are gotten.
With 18% GST, an increment is expected in the cost of financial transactions like loan processing fees, debit/credit card charges, insurance premiums and so on, however this increase in the charges is moderate as this 18% GST replaces the previous 15% Service Tax.

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Watch Youtube Videos In Whatsapp Itself http://www.indscoop.com/watch-youtube-videos-in-whatsapp-itself/ http://www.indscoop.com/watch-youtube-videos-in-whatsapp-itself/#respond Thu, 03 Aug 2017 02:42:21 +0000 http://www.indscoop.com/?p=16179 […]]]> The messaging app, Whatsapp, which was recenly taken over by Facebook, is working on its upcoming feature which will allow youtube to open in picture-in-picture mode.

Currently, when when a user clicks link of YouTube then they are forced out of the messaging app. Taking over the entire display screen makes, it a bit difficult to multitask, forcing users to switch between active frames. Only the handsets capable of split views can see both the applications at once.

However, the new hyped up feature will make things easy. The feature, which is hidden in iOS handsets from iPhone 6 and above versions, will be activated once it is ready.

This will help users to watch the youtube in chats itself.

Meanwhile, there is no information about the availability of the feature in android devices.

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You’re being watched on WhatsApp http://www.indscoop.com/youre-being-watched-whatsapp/ http://www.indscoop.com/youre-being-watched-whatsapp/#respond Wed, 02 Aug 2017 15:40:17 +0000 http://www.indscoop.com/?p=16171 […]]]> Instances of “objectionable videos” being uploaded through mobile phones and shared through WhatsApp have been noticed, the government informed Parliament Friday.

The messaging app provides a feature to report such content and a user can take screenshot and share it with appropriate law enforcement authorities, minister for Electronics and IT, Ravi Shankar Prasad said in a written reply in the Rajya Sabha.

“WhatsApp provides a feature to report any objectionable content. However, they also admit that since they do not have the content of the messages available with them, it limits their ability to take action,” he said.

The minister was replying to a question on whether the government is aware that objectionable videos are being uploaded through mobile phones and shared through WhatsApp, and the action being taken to stop such practice.

Stating that instances of objectionable videos being uploaded through mobile phones and shared through WhatsApp have been noticed, Prasad said that according to WhatsApp, the messages are end-to-end encrypted and they (the company) and any other party cannot read them.

“In other words, the messages are only seen by the sender and the receiver,” he said.

The minister further said the Information Technology Act 2000 as amended in 2008 provides for punishment for publishing or transmitting objectionable content.

In addition, several domain related Acts, including the Indian Penal Code, the Protection of Children from Sexual Offences Act and the Indecent Representation of Women (Prohibition) Act also restrict or prohibit publication of objectionable content in electronic form.

“The law enforcement agencies concerned take necessary action for violation noticed or reported as per the law,” Prasad added.

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Patanjali Work Culture: Here’s what life is like in Baba Ramdev’s company http://www.indscoop.com/patanjali-work-culture-heres-what-life-is-like-in-baba-ramdevs-company/ http://www.indscoop.com/patanjali-work-culture-heres-what-life-is-like-in-baba-ramdevs-company/#respond Mon, 31 Jul 2017 07:15:00 +0000 http://www.indscoop.com/?p=15883 […]]]> Walk into any high-powered corporation in India, and the picture is the same. You will see a glass-and-chrome office filled mostly with men in suits and ties or, at their most casual, shirts and dark trousers; meetings are usually held around a glossy table, with a screen for a PowerPoint presentation or a white board in the background; professional HR teams manage salary raises, hires and exits.

But what is life like in a company that’s run by a sadhu?

Patanjali Ayurved Limited is India’s fastest growing FMCG company. In May 2017, the company announced that it had doubled revenues in just a year to over Rs 10,000 crore, becoming India’s second largest consumer goods company, second only to Hindustan Unilever. In a single year, Baba Ramdev’s company has leapfrogged past giant companies such as ITC, Nestle, Godrej, Dabur and Tata. So Patanjali is certainly a corporate high performer.

Like any other big FMCG company, Patanjali may have an impressive food park, stretching across acres and acres of land, with state-of-the art machinery imported from around the world, and the factory floor may be governed by intricately detailed standard operating procedures with workers in hair nets and gloves. Yet, I discovered, while working on my book on Ramdev, some fascinating facts that showed a very different culture of work, one that’s completely unique in Indian corporate life.

No Mean Feet
The first — feet-touching. When the saffron dhoti- and shawl-clad Ramdev enters the complex, workers abandon their posts, rush out and queue up to touch his feet. The same treatment is given to Acharya Balkrishna, Ramdev’s short and stocky, white-robed deputy who notionally owns 96% of Patanjali’s shares, and Ram Bharat, Ramdev’s tall, strapping and mustachioed brother who manages the company’s monies.

While it is ordinary for people to touch the feet of a sanyasi like Ramdev as a mark of respect, it certainly isn’t the regular practice in an ashram to revere a brahmachari like Balkrishna or a householder like Ram Bharat.

All major decisions about Patanjali products are taken by Ramdev himself.

Little over a year ago, I witnessed Balkrishna walking into his offices on the first floor of Patanjali’s ayurveda hospital in Haridwar. The hospital staff, administrative officers and guards all rushed to greet him. They touched his feet and he tapped their backs in blessing, occasionally saying, “Khush raho”, be happy.

Not only do employees touch the feet of the leadership team but meetings aren’t the standard round-table affairs. “During meetings, Ramdev sits on a high seat. Everyone else — from the CEO to factory workers — is expected to sit on the floor, below him,” says SK Patra, Patanjali’s CEO between 2011 and 2014. As a result, Patra says, there is a gurubhai culture at Patanjali, a sense of brotherhood — and equality — as disciples of the same teacher.

For the IIT and IIM-educated Patra, the man who laid the foundations for the company’s meteoric rise, and who had a proven track record working with blue-chip firms owned by the Birlas and the Bangurs, this was a source of some tension: it meant that his subordinates viewed him as a gurubhai rather than as their boss. This was one of the reasons why Patra says he eventually left the company in 2014.

Reverence for the guru is just one facet of work life at Patanjali Ayurved. The other is the missionary zeal with which the company is run. More than the man at the helm of a nearly $4 billion commercial enterprise, Ramdev is a man on a swadeshi mission. And so more than a conservative corporate CEO, Ramdev sounds like a colourful crusader.

Will any other CEO say something like, “Colgate ka gate bhi band hoga, Pantene ka to pant gila hone wala hai, Unilever ka lever bhi baithega aur Nestle ki chidiya bhi udegi (The gate of Colgate will shut, Pantene will wet its pants, the lever of Unilever will break down, and the little Nestle bird will fly away),” as Ramdev said about his competition in 2016? Or, even that, “Patanjali has become a great brand, I hear. But you’ve seen nothing yet. There are two things that I have to do. Make all foreign companies do sirshasana (headstand) within five years, and put Mother India on the throne of the world. Kitna mazza aayega (What fun it’ll be)”.

While Ramdev may be an entertaining, and, for India Inc, an unconventional, public speaker, there is no doubt about his business canny. All major decisions about which products Patanjali should produce, and what they should look and feel like, are taken by Ramdev himself, based on instinct, not endless focus groups and data analysis.

Patra recalls that Ramdev’s dream is for Patanjali to make every product that the average Indian uses from dawn to dusk. “He would try out every new product himself — put it on his beard, on his face, use the shampoo himself. He cared deeply about how it looked, how it smelled. He would give the final seal of approval on all new products,” recalls Patra. Patanjali today produces over 500 FMCG products — from biscuits to shampoo, and from ghee to body lotion.

Ramdev try out every new product himself. He would give the final seal of approval on all new products.

Ramdev is personally involved in pricing, too, says Patra. “Baba never cared about what the market prices were. For any product pricing, he was personally involved. He would ask how much it had cost to produce something. Then with a slim margin — he just wanted to sell.” So while 1 kg packet of Tata salt costs Rs 20, Aashirwad Rs 18 and Saffola Rs 31, Patanjali sells it for just Rs 12.

Ramdev has no inherent advantage in salt. In fact, under Patra, Patanjali Ayurved tied up with a salt producer in Gujarat and began to buy in bulk from them, iodize and pack the salt and sell it. But because Ramdev is not too fussed with margins, he is able to underprice the competition in some segments.

Gunendar Kapur, a leading retail and consumer executive who had worked for over a decade at Unilever before joining as CEO and president of Reliance Retail, agrees: ‘He (Ramdev) doesn’t seem to care much about the money, he cares about his own legacy. His margins are very, very low. For formal companies, a profit after tax of less than 15% is too low. Their investors will not be happy with that kind of a performance… Ramdev does not have such a limitation.”

Work is Worship

Ramdev’s willingness to endure low margins is one of the secrets of Patanjali’s ability to keep prices low. But the other ingredient for keeping prices low is the recasting of work or labour as spiritual seva. Ramdev terms working for Patanjali as service, for the benefit of the nation, of swadeshi, of “Indian heritage”, of yoga and ayurveda.

He plays on deeply embedded insecurities about multinational colonisers and so his employees are made to feel like crusaders fighting against foreign companies, not mere workers. The ordinary rules of the labour market don’t apply at Patanjali. And what if an employee wants an annual increment?

The average Patanjali worker on the factory floor earns just Rs 6,000 per month for twelve-hour shifts, six days a week.

Conversations with Patanjali workers, past and present, reveal that Ramdev’s recasting of work as seva of the guru and his larger mission cleverly make it more difficult to demand pay hikes. In the pervasive seva culture at Patanjali only a “selfish” person would ask for an increment. If anyone does manage to overcome their inhibitions and ask for a raise, they are promptly reminded that there are many others willing to take their place in the assembly line, says a worker on the condition of anonymity. And so the average Patanjali worker on the factory floor earns just Rs 6,000 per month for twelve-hour shifts, six days a week.

Haridwar is an unlikely place for a multibillion-dollar homegrown company to have come up. A saffron-robed sadhu an unlikely captain of the ship. But perhaps what sums up Patanjali’s exceptionalism is what Ramdev said: “The purpose is not to accumulate any great wealth for myself. Look, there is an empire worth crores, no, hundreds of crores around us today, but even today, I sleep in a hut on the floor. Whatever I have got from the country, it is for the country. The wealth of Patanjali is not for any one person — it is for the country. It is all for charity.”

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5G Network – 5th Generation Mobile & Wireless Technology ! http://www.indscoop.com/5g-network-5th-generation-mobile-wireless-technology/ http://www.indscoop.com/5g-network-5th-generation-mobile-wireless-technology/#respond Thu, 27 Jul 2017 11:20:09 +0000 http://www.indscoop.com/?p=15820 […]]]> According to some sources, it is suggested that a new generation of 5G may be introduced in the early 2020s
What is 5G?

5G is a fifth-generation mobile network which is one step ahead in mobile technology. It will be on next telecommunication standers and will be more advanced from 4G/IMT-Advanced. 5G is the data which is going to be used in the future for our phones and tablets. It is very similar to the LTE (Long Term Evolution) standers which are working for the 4G system. Just have a look at the history of this new mobile generation. First 1G system (Introduced in 1982), a first 2G system (Introduced in 1992), first 3G systems (introduced in 2001) and first 4G system (Introduced in 2012). The number of companies is increasing for investing in the preparation for the new mobile wireless standard but there are eight criteria have been set to be qualified from the (GSMA) Group Special Mobile Association:
One to 10Gbps connection to endpoints in the field

One millisecond end to end round trip delay
1000X bandwidth per unit area
10 to 100X numbers of connected device
(Perception of) 100 percent coverage
(perception of) 99.999 percent availability
90 percent reduction in network energy usage
Up to ten-year battery life for low power, machine-type device.
Along with above 8 criteria 5G network also needs to have (Internet-connected device), as well as broadcast-like services and life line communication in times of natural disaster.

Difference between 5G and 4G

With 5G you can communicate so fast that it becomes almost real-time communication, putting mobile internet services on par with office services, on the other hand, 4G provides an additional speed boost to the growing business services such as mobile video conference and cloud computing. 4G also provides very cost-effective international calls on data calling services.
4G network mostly focused on the availability of raw bandwidth, while 5G mainly focus on providing worldwide connectivity to lay the ground for the fast and the flexible access to the internet user whether you are on a top of the building or down under a subway station.

Advantages and Disadvantages:

5G would be more effective, efficient and significantly faster than 4G providing higher productivity across all capable devices with a theoretical download speed 10,000 Mbps.

Along with all this superb facility, it will come with a big cost concern. All new mobile phones are manufactured with the 5G integration but this system will not support to old mobile phones hence people have to buy new phones else this facility is useless for them so it would be an expensive affair.

Technology is still under process and research on its viability is going on.

The current 4G mobile network has the potential to provide 100s of Mbps. While 5G provides multiple gigabits per second but the speed, this technology is claiming seems difficult to achieve (in future, it might be) because of the incompetent technological support in most parts of the world.

Mobile Companies who are working on the 5G system:

Samsung: Electronics giant Samsung has conducted the trial using the 5G base station and 5G mobile phone prototypes compliant with 5G technology. They have achieved the download speed of 1 Gbps over a 2Km distance at the microwave frequency of 28 GHz. the products showcased included consumer devices for fixed wireless access connectivity. Samsung also has expanded its tablet portfolio with Galaxy Tab S3 and Galaxy Book and outlined a series of measures to “enhance” product safety.

Nokia: The Company NOKIA has demonstrated 5G technology based prototypes showing peak data rate speed of over 30 Gbps. The technology will serve more than 1 million 5G phones in a single cell simultaneously.5G FIRST builds on our commercial 5G Nokia AirScale and AirFrame platforms to provide a versatile solution that spans the network.

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The 10 Coolest Smartwatches of 2017 (So Far) http://www.indscoop.com/the-10-coolest-smartwatches-of-2017-so-far/ http://www.indscoop.com/the-10-coolest-smartwatches-of-2017-so-far/#respond Wed, 19 Jul 2017 09:50:57 +0000 http://www.indscoop.com/?p=15588 […]]]> Wearables are shifting focus as major platforms like WatchOS and Android Wear pivot toward fitness and health applications, according to research firm IDC.

Consumers have seen this over the past six months as the top wearable vendors, including Samsung, Omron and Fitbit, released new fitness products at CES and Mobile World Congress.

“Like any technology market, the wearables market is changing,” said Ramon Llamas, research manager at IDC’s Wearables division, in a statement. “Basic wearables started out as single-purpose devices tracking footsteps and are morphing into multipurpose wearable devices, fusing together multiple health and fitness capabilities and smartphone notifications.”

Here are 10 of the coolest wearables in 2017 so far.

1. Apple Watch Series 2

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Apple’s newest generation of its Watch Series 2, released in September 2016, has built-in GPS, water resistance of up to 50 meters, and a display that the company said is two times brighter than its previous generation.

The Series 2 is designed for health and fitness with a heart-rate sensor, third-party health apps and activity tracking features. The Apple Watch Series 2 is available starting at $369.

2. BACTrack Mobile

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BACtrack wants to help consumers keep their alcohol intake in mind with a new wearable device. With BACtrack’s wearable, first launched at CES, users can monitor their alcohol intake right from their wrist. This smartphone breathalyzer connects to user smartphones through Bluetooth, enabling them to easily estimate their alcohol level and drink responsibly. BACtrack is currently available for $99, according to the San Francisco-based company.

3. Casio WSD-F20 Smartwatch

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Tokyo-based Casio revealed its newest rugged watch, the Casio WSD-F20, at this year’s CES. The smartwatch is also built for outdoor enthusiasts — with a MIL-STD-801G rating for protection and waterproof capabilities of up to 50 meters. The Android Wear-powered WSD-F20, which is available for $499, also contains a low-power GPS sensor, as well as support for color maps, and can operate both online and offline.

4. Fitbit Alta HR

Fitbit in March unveiled the availability of its new Alta HR, a wearable that touts features like continuous heart-rate tracking, sleep tracking and exercise recognition. Fitbit also added new software features to its latest wearable, including Sleep Stages and Sleep Insights to help consumers better understand their sleeping habits. Fitbit Alta HR, which the company said has a battery life of up to 10 days, is available for $149 with a classic band.

5. Omron Project Zero 2.0

Japan-based Omron showcased its next-generation prototype wearable, Project Zero 2.0, at CES this year. Project Zero 2.0 is an ultra-compact wearable wrist device that measures blood pressure and tracks health data like sleep patterns. This wearable is essentially a wrist blood pressure monitor that connects to a complementary Omron app so users can track and share vital data with their health-care providers. Omron Project Zero 2.0 is still in its prototype stage, and its final specs and pricing will be released once FDA clearance has been received.

6. Quell

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Quell, first launched at CES this year, is a wearable device that helps those who suffer from chronic pain by using electrical stimulation to trigger a response in the brain, ultimately blocking pain signals. The device, worn on the upper calf, is ultimately five times more powerful than other over-the-counter pain relief devices, according to its developer, Waltham, Mass.-based NeuroMetrix. The company launched the second generation of the FDA-cleared device at CES, and it’s now available for $249.

7. Reliefband Neurowave

Horsham, Pa.-based Relief Band Technologies launched the next generation of its wristband, the Reliefband Neurowave, at this year’s CES. The Reliefband Neurowave delivers small electrical pulses that relieve a user’s nausea. Improvements to the new generation of the device include the addition of more settings for getting a precise level for the pulse and a change in the design of the device so that it’s smaller and sleeker. The device is expected to be available in the second quarter of 2017. Pricing hasn’t been finalized but it’s expected to be in the range of $150 to $160.

8. Samsung Gear S3

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Samsung released its Gear S3 smartwatch November 2016. The Gear S3 includes two models – the Classic and the Frontier. These two versions have some key differences including size and weight. Samsung said both are water-resistant and can get up to four days of battery on a single charge. The Gear S3 is available starting at $349.

9. Vert Intensity Tracker

Fort Lauderdale, Fla.-based wearable athletic company Vert is taking wearables to the next level with its G-Vert product – a module that users wear around their waist. The company said its product, which was launched at CES, is the first multi-appendage monitor to track how long and hard athletes are exercising in real time.

The module can track asymmetry in the user’s motion, helping to prevent injuries, as well as track exerted power and the height of jumps. G-Vert is available for $149.

10. Withings Steel HR

At this year’s CES, Cambridge, Mass.-based Withings introduced the Steel HR, a classic analog device that tracks activities.

Nokia-owned Withings said its new smartwatch, which comes in a black and silver casing, is designed for swimming or running — the device is water-resistant up to 50 meters. It also functions as a sleep tracker and monitors users’ restful and wakeful periods, as well as the duration of sleep and heart rate during sleep. Withings also said the Steel HR has an impressive battery life of up to 25 days. The smartwatch is available starting at $180.

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Reliance Jio Plans Revised with more Benefits http://www.indscoop.com/reliance-jio-plans-revised-with-more-benefits/ http://www.indscoop.com/reliance-jio-plans-revised-with-more-benefits/#respond Wed, 12 Jul 2017 06:46:44 +0000 http://www.indscoop.com/?p=15370 […]]]>

Now that the Summer Surprise offer is coming to an end, there are new Reliance Jio plans on offer, while most of the old plans have been revised. The recharge amounts still start from Rs. 19, going all the way up to Rs. 9,999. Some of these Jio plans have been revised bringing new validity options. New recharge plans for amounts Rs. 349 and Rs. 399 have been added, and the Rs. 309 and Rs. 509 plans that were introduced for Dhan Dhana Dhan plans now have different validities. Moreover, the Jio Dhan Dhana Dhan offer is only available on the new Rs. 399 plan now.

Reliance Jio prepaid plans

The Rs. 309 and Rs. 509 prepaid Jio plans still remain, while two other plans have been added into the mix. The Rs. 309 plan offers all the same benefits of unlimited data (1GB per day), voice and SMS calling benefits, but with 56 days of validity instead of 28 days. The Rs. 509 plan also remains the same but with 56 days of validity (against 28 days earlier) and daily 4G data usage cap at 2GB per day.

New plans include the Rs. 349 plan that gives you 20GB of 4G data for 56 days with no cap on consumption, and when the data is exhausted the Internet speed will reduce to 128kbps. The Rs. 399 plan is similar to the Rs. 309 plan, but bumps up validity to 84 days. That’s because the customer care confirmed that Reliance Jio is still offering the Dhan Dhana Dhan offer only on Rs. 399 plan, with 84-day validity.

Apart from these changes, all the other plans remain the same with first recharge benefits provided with Jio Dhan Dhana Dhan Offer now gone from the mix. The starting prepaid plan is as low as Rs. 19 which gives you only one-day validity, 200MB of 4G data, and unlimited SMS and voice calling facilities. The Rs. 49 plan gives you a 3-day validity and 600MB of 4G data with similar voice and SMS calling benefits. There’s also a Rs. 96 plan which gives you a 7-day validity with unlimited data of up to 1GB per day, after which you can use the Internet at 128kbps speeds.

The Rs. 149 plan gives you 28 days of validity but offers only 2GB of 4G data for usage, and 300 free SMSes. The Rs. 999 plan gives you a 90-day validity, 90GB of 4G data, on completion of which you Internet speed will reduce to 128kbps. The Rs. 1,999 plan offers a 120-day validity, 155GB of data, and after you drain this data, you Internet speed will be at 128kbps. The Rs. 4,999 and Rs. 9,999 plans will offer 210 and 390 days of validity respectively, with 380GB and 780GB of data benefit respectively. Once you exhaust this data, your Internet speed will then be at 128kbps only. All voice calls in all the plans are free.

Relaince Jio postpaid plans

Postpaid plans are available at Rs. 309, Rs. 349, Rs. 399, Rs. 509, and Rs. 999 denominations with validity lasting up to three months and different benefits offered in different plans. The new plans introduced are at Rs. 349 and Rs. 399 which offer two months and three months of validity. The Rs. 349 plan offers 20GB of 4G data after which the speed drops to 128kbps. The Rs. 399 plan offers unlimited 4G data with the 1GB per day cap and other unlimited voice and SMS benefits. All the new prepaid and postpaid plans are now available on the Jio website, where you can see them detailed.

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Jio’s Upcoming 4G LTE mobile phone @ Rs 500 http://www.indscoop.com/jios-upcoming-4g-lte-mobile-phone-rs-500/ http://www.indscoop.com/jios-upcoming-4g-lte-mobile-phone-rs-500/#respond Tue, 11 Jul 2017 04:01:34 +0000 http://www.indscoop.com/?p=15343 […]]]> Reliance Jio is launching its 4G VoLTE mobile on 21 July and that too for only Rs. 500.

This move will bring another wave of disruption in the telecom market. Jio aims to convert the current 2G users to the 4G model with aggressive data plans.

The phones will be up for grabs on Amazon, Flipkart and Snapdeal.

Jio-SIM-Cards-Preview-Welcome-Offer

You can pre-order it too

Jio has made buying this economical phone as simple as possible.

For those who want to lay their hands on this phone, they have to visit the Jio’s official website.

They can then click the Reliance Jio Rs. 500 phone registration link and provide details for the pre-order of this mobile phone.

After making the payment, the buyer needs to submit the form.

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All things to know about payments banks in India http://www.indscoop.com/all-things-to-know-about-payments-banks-in-india/ http://www.indscoop.com/all-things-to-know-about-payments-banks-in-india/#respond Tue, 23 May 2017 05:30:54 +0000 http://www.indscoop.com/?p=13814 […]]]> Payments banks are stripped down versions of banks that have existed for decades. The Reserve Bank of India gave “in-principle” licenses to eleven entities to launch Payments Bank .

  1. Aditya Birla Nuvo
  2. AIrtel Payments Bank  (Airtel M Commerce Services) – Launched
  3. Cholamandalam Distribution Services
  4. Department of Posts – Launched
  5. FINO PayTech
  6. National Securities Depository
  7. Reliance Industries
  8. Sun Pharmaceuticals
  9. Paytm Payments Bank  (One97 Communications)
  10. Tech Mahindra
  11. Vodafone M-Pesa

Payments banks are a new model of banks conceptualised by the Reserve Bank of India (RBI). These banks can accept a restricted deposit which is currently limited to INR 1 lakh per customer and may be increased further. These banks cannot issue loans and credit cards. Both current account and savings accounts can be operated by such banks. Payments banks can issue services like ATM cards, debit cards, online banking and mobile banking. Airtel has launched India’s first live payments bank. Paytm is the second such service to be launched in the country.

1.Mobile banks

In its true sense, the payments banks will be mobile only banks, which mean they will not have full-fledged branches like an SBI, ICICI Bank or HDFC Bank. The account holders will be able to operate their accounts using the mobile app.

2.Small savings and small loans

Up to Rs 1 lakh of deposits can be made in a payments bank account. Also, the bank will be able to give loans up to Rs 1 lakh, especially targeted at small merchants.

3.ATM and debit cards

The cards issued by the payments bank can be used across the banking network and at any bank’s ATM for cash withdrawal.

4.Mobile services:

It allows transfers and remittances through the mobile, offers services such as automatic payments of bills, cashless purchases, chequeless transactions through a phone, and money transfer directly to bank accounts at nearly no cost being a part of the gateway that connects banks.

5.Saving account and interest

Like any normal bank account, the payments bank account holder will earn interest on the balance in their savings account. For example, Airtel offers 7.25% to savings account holder. The interest are expected to be higher as the bank has less infrastructure cost.

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Google To Launch a Toilet Finder For India http://www.indscoop.com/google-to-launch-a-toilet-finder-for-india/ http://www.indscoop.com/google-to-launch-a-toilet-finder-for-india/#respond Fri, 18 Nov 2016 03:57:47 +0000 http://www.indscoop.com/?p=13629 […]]]> Google has partnered with the Indian Government to launch a toilet finder built into Maps in India. India has one of the worst toilet problems in the world. With over 70 % households lacking basic toilet facilities, this tool aims to help people with access to smartphones, which surprisingly is more than those with toilets.

Google and the Ministry of Urban Development in India have made this tool simple enough that a user can search in multiple Indian languages for words like “toilet,” “lavatory,” “swachhata” and “shulabh.”

This is also a crowd sourced platform which will populate the condition and availability of toilets as users use it more and more. It is expected to be rolled out in the coming months, however, no proper timeline exists.

Now if only Google could work on a currency filled ATM finder, India would be a better place.

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The Google Pixel and Pixel XL have finally gone on sale in India http://www.indscoop.com/the-google-pixel-and-pixel-xl-have-finally-gone-on-sale-in-india/ Tue, 25 Oct 2016 04:39:20 +0000 http://www.indscoop.com/?p=13470 […]]]> Nexus is dead, long live the Pixel

The Pixel and Pixel XL smartphones from Google are the first, true flagship devices from the company and considered by many, including us, to be worthy rivals to the iPhone.

If you’re in the market for one, be prepared to shell out a hefty sum for these devices don’t come cheap. The 5-inch Pixel phone goes on sale for Rs 57,000 and the 5.5-inch Pixel XL goes on sale for Rs 67,000. These prices are for the 32GB models of these phones.

The 128GB variants of these phones will be available for Rs 66,000 and Rs 76,000 for the Pixel and Pixel XL respectively. The phones will be available for sale on Flipkart, Reliance Digital, Croma and over a 1000 other stores across the country.

Both phones feature AMOLED screens, a Qualcomm Snapdragon 821 SoC clocked at 2.15 GHz, 4 GB of RAM, 32 GB and 128 GB storage options, a 12.3 MP f/2.0 rear camera and an 8 MP f/2.4 front camera. Both rear camera units use sensors with 1.55µm pixel sensors and support up to 2160p video at 30fps. Both cameras can also offer up to 240 fps at 720p.

Google claims that the phones are splash and dust resistant, but that doesn’t mean these are waterproof.

In terms of hardware, the only difference between these phones is that the Pixel offers a 5-inch Full HD display while the Pixel XL offers a 5.5-inch 2K display.

The Pixel phones aren’t just about the hardware, however.

Google has tightly integrated Google Assistant into Android 7.1 and the Pixel phones take full advantage of its features. If that wasn’t enough, Google also offers unlimited, full-resolution photo storage on Google Drive with the purchase of every Pixel smartphone. Oh, and there’s Daydream support as well.

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15 Upcoming Features for iPhone 7 http://www.indscoop.com/15-upcoming-features-for-iphone-7/ Tue, 06 Sep 2016 06:29:32 +0000 http://www.indscoop.com/?p=11853 […]]]> The iPhone 7 is almost here . The KGI Securities analyst (widely regarded as “the best Apple analyst on the planet”) has revealed 15 major changes coming to both the iPhone 7 and iPhone 7 Plus

Obtained by AppleInsider, the list reads as follows:

  1. New True Tone displays like the iPad Pro range, with laser based proximity sensors for faster response times
  2. 32GB, 128GB and 256GB storage tiers will replace 16GB, 64GB and 128GB
  3. 2x 12MP dual rear camera limited to iPhone 7 Plus, uses 1x wide angle and 1x telephoto lenses
  4. Upgraded ambient light sensors on both new iPhone cameras for better low light shots
  5. Camera flash LEDs doubled from two to four with warm and cool colours
  6. 3.5mm headphone jack removed
  7. Lightning EarPods and a 3.5mm to Lightning headphone adaptor included in the box
  8. Second external speaker and integrated amplifier for louder, richer output
  9. Basic IPX7 water resistance – both phones can withstand splashes and full submersion for up to 30 minutes. Not quite Galaxy S7 level (one hour+), but close.
  10. 2GB RAM for iPhone 7, 3GB RAM for iPhone 7 Plus
  11. Next generation A10 chipset sees CPUs hit 2.45GHz clock speeds and 20-30% performance gains
  12. 3D Touch 2.0 sensor with more distinct haptic feedback
  13. Home button replaced with non-clicking touch sensor with haptic feedback
  14. Antenna bands removed from the back of both models for cleaner look
  15. Two new colours: dark black and piano black (latter in limited quantities for 256GB model); space grey colour option ended

Breaking Down The Key Points

While the new colour options, reduced antenna bands, louder speaker and fixed home button are welcome upgrades, the real talking points here are the upgraded cameras, storage and removal of the headphone jack.

The last of these now seems virtually guaranteed since I first broke the news of Apple’s long term strategy in June 2014. Convincing users that the pros outweigh the obvious cons will be the key factor to the long term success of both new iPhones – especially without wireless charging now wired charging and wired headphones share the same port.

That said the upgraded storage and cameras are also very welcome and go hand-in-hand. If Apple is going to sell the idea that the new iPhones have the world’s best smartphone cameras then they need to come with more storage so people can take full advantage of them. If Apple follows through on both these claims it will be great news.

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