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Top Trending Mobile Wallets In India

The whole concept of carrying cash while going to shop is taking a back step in urban India and mobile wallets a.k.a m-wallets are becoming a rising trend.

You just need your smartphone to use any of these mobile wallets, which is both convenient and a safe way to pay. After demonetization happened in India more people than before have started using m-wallets. In the field of technology, digital wallets are one of the best innovations. Millions of common Indians are using e-wallets to make payments these days.

Here are the top e-wallets which you can use:

PayTm: Used by Millions, PayTm is one of the most popular mobile wallets in India. PayTm offers a totally secured online payment platform for almost all kinds of transactions. What makes PayTM standing out from the rest is it is the first one to be granted a license from Reserve Bank of India for starting India’s first payments bank. PayTm is available on platforms, Android and iOS.

MobiKwik: MobiKwik is an independent mobile payment network which lets its users add money using debit, credit card, net banking and even doorstep cash collection. One can also use MobiKwik for paying bills for electricity, water, gas, phone internet, recharging mobile, data card, DTH etc. MobiKwik is available to iOS, Android, and Windows Phone users.

PhonePe: PhonePe was launched in 2015 and in just a few years it has been able to cross the 100 million download mark. PhonePe is useful from UPI payments to recharges, money transfers to online bill payments. PhonePe is one of the safest and fastest digital payment experiences in India. PhonePe is a part of the e-commerce giant Flipkart.

JioMoney: JioMoney has tie-ups with over 50,000 e-commerce websites in India. JioMoney offers a simple user interface and everything essential like wallet balance, the option to recharge, send/request money, and pay at a shop are displayed on the main page itself. It is available in Google Play Store and Apple App Store.

Google Pay: Last in this list but obviously not the least, Google Pay is a part of the Google ecosystem. Google Pay has scaled up its user base really quickly, Though a late entrant, Google Pay now offers services like sending money, paying bills and buying online, or recharging phone. Since Google Pay works with the user’s existing bank account, one can be rest assured about the safety and security. Google Pay doesn’t ask for any KYC, as of now.

(Image Courtesy: https://techhq.com/amp/e-wallet/)

 

Top Indian Startup Businesses Which Are Running Successfully

There couldn’t be a better time for the startup businesses in India. With the Modi Government back into action for the second time and a vast target audience at the disposal, startup ecosystem of India couldn’t have asked for more.  

The market in India is open to a variety of ideas. Besides this, foreign investments have been flowing in the country more freely than before which is leading to the rise of capital reserve of our country. With the advent of technology, startups in India are aided immensely and that is giving them the edge to further their growth.

Here are a few of the startups in India which are grabbing our attention for the right reasons:

 Swiggy: This food-tech startup was founded in 2014 by Sriharsha Majety, Nandan Reddy and Rahul Jaimini. The model of Swiggy is acting as a mediator between the customers who order food by using the online platform and the restaurants which prepare the food ordered by the customers. Swiggy was valued at $3.3B in Dec 20, 2018 and Naspers, DST Global, Tencent Holdings, Wellington Management etc. have been the lead investors for them.

Byju’s: Byju's is probably India' largest Edtech company which has truly reinvented the way learning is looked at in our society. Learning through app was never heard of in our country and Byju’s learning programs which are effective and interactive have transformed the perception of learning.  Byju’s offers courses for students of class 6-12, and also for competitive exams like CAT, IAS, and GRE GMAT. The company was founded by Byju Raveendran in Bangalore, Karnataka. Byju’s income crossed $1 Billion in the Mar 2017-Mar 2018 financial year.

Ola Cabs: Ola Cabs is a successful Indian Multinational cab aggregator company headed by “ANI Technologies Pvt Ltd”. OLA was founded in 2010 in Mumbai by Bhavish Agarwal and Ankit Bhati. Valued at approx. $4 Billion Ola Cabs is currently the only significant competitor of Uber India. Ola does business in 4 countries as of 2019 including India, Australia, New Zealand and UK and it acquired TaxiforSure in 2014 and FoodPanda’s India business in 2017. Though lately the driver partner of OLA (and Uber too) are complaining about decline in their income, it still is the only accepted alternative of public transport in Indian cities.

OYO: OYO Rooms, commonly known as OYO, is the leading player in India’s hospitality service and budget hotel network. It is a tech-driven startup which has successfully standardized budget hotels in 200+ Indian cities and over 7000 hotels. OYO was founded in 2013 by Ritesh Agarwal based out of Gurugram, Haryana, India. OYO was valued at over $5B as of Apr 1, 2019

Bigbasket: Bigbasket has revolutionized how urban India does its grocery shopping.  It is an online food and grocery store which is happened to be the largest online supermarket in the country. The company was founded in 2011 by Hari Menon, Vipul Parekh, Abhinay Choudhari, VS Sudhakar & VS Ramesh and was valued at $2.1B in Feb 08, 2019

(Image Courtesy: https://learn.canvas.net/)

 

Stay Away From This Dangerous Android Apps If You Love Your Phone!

Apps are our friends, no denial of that, but are they all worthy to be trusted? Unfortunately, no! Google Play is a great place for developers who build Apps and want to earn money, but not all of them have the best interests in their minds. Apart from making killing your phone, these Apps can do some more serious damage such as collecting personal data from your phone; share your personal information with third parties, even stealing money from your bank account. So, be aware and delete them ASAP if you use any of the below applications:

Weather apps: If you have a habit of checking for weather updates, frequently, make sure that you do that using a browser directly from a search engine. Initially, weather apps were extremely popular, later on; it was found that a lot of them inflicted viruses in the system. A weather app had an in-built Trojan that collected the data from the user’s phone and sent it to the attackers. Especially they care for your credit card data.

Optimizers: Most of the modern smartphones have optimizing functionalities installed in them. You can use them without worrying to clear your cache and delete unnecessary files to make your phone work faster. However, installing an App to do the same is often not a good idea as these Apps make the battery life of your phone shorter. Instead of making your phone work better and faster, more than often they slow it down. So, avoiding them is a good option to ensure the longevity of your phone.

Antivirus programs: This category of Apps developed by unknown developers is most dangerous. Hackers from all over the world are creating their own anti-virus Apps which are capable of stealing personal data from your phone including bank details, credit card details etc. Not just stealing data, a few of these Apps are even capable to completely block your phone. To avoid any untoward incident, you need to make sure you’re installing a full-fledged security package from a known source.

Battery Saver & Fast Charge: You have to understand that an App cannot change your phone faster than its original ability. So, the way a battery saver cannot save battery life of your phone, a fast charger App cannot charge your phone faster even though they claim to do so with the help of all those fancy speed graphs and cool animations.

(Image Courtesy: https://wccftech.com/)

 

Zest Money: India’s Fastest Growing Tech-driven Consumer Lending Brand

If you don’t know already, ZestMoney is India’s largest and fastest growing consumer lending Fintech Company. This is a Bengaluru-based digital lending startup founded by Lizzie Chapman, Priya Sharma and Ashish Anantharaman in 2015. ZestMoney was conceived as a unique platform which can positively impact the lives of more than 300 million households in the country, who currently have no to credit cards and also don’t have access to any other formal financing options because of insufficient credit history. ZestMoney’s unique offering beautifully combines mobile technology, digital banking and AI to make life better for this set of Indian consumers.

If you are a consumer and is considering to avail of the service of ZestMoney, here is how it works – To get started, you need to Sign up with ZestMoney [Log in from: https://www.zestmoney.in/], once you complete the profiling part, you would be informed about your credit limit which is the amount up to which you can borrow. To activate your credit limit, you need to upload some KYC documents and set up automatic repayment and then you will have access to 1000+  ZestMoney merchant partners using your approved credit limit. Once you have made your purchase, you can start replaying by visiting the ZestMoney merchant partner & make payment using your credit limit.

As per an April, 2019 report, ZestMoney announced that they have raised a $20 million. Speaking to TechCrunch the ZestMoney CEO said the new capital will towards further increasing the focus on technology. That includes AI for credit assessment and other analytics, as well as developing voice-based communication and facial recognition technologies that will help engage consumers who are less comfortable with English as a language and lack experience using the internet and digital services. [Ref: https://techcrunch.com]

In April, 2019, ZestMoney has partnered with e-commerce giant Flipkart to present the opportunity to the Flipkart consumers for financial assistance while buying products online. As an inaugural offer, ZestMoney will allow consumers to access finance options at 0% interest for the tenure of three months. The customers need to sign up on the ZestMoney platform and the creditworthiness of the customers would be decided by ZestMoney.

(Image Courtesy: https://medium.com)

 

Best Smart Speakers To Buy!

Smart Speakers are like cute personal assistants albeit more efficient at times! They don’t just present to you your favorite music or audiobooks but also help you with your daily briefing, manage your appointments and control your Smart home devices. Smart Speakers are big blessings in small packets. If you are planning to buy one, here are some help for you:

Amazon Echo Dot (3rd Gen): Amazon brought the Smart Speaker trend in India and this product from them is just brilliant. The Echo dot is smaller than the Google Home Mini and weighs just 163 grams. It sounds amazing and allows you to easily call on Alexa, from anywhere in the room, even in a noisy environment.

Google Home Mini: This product possibly offers the best audio quality in the market and it also looks very nice in spite of being very small weighing only 173 grams.  which allows you to put it almost anywhere in your house. This speaker comes in a very nice Charcoal color which gives it a stealthy look.

Eufy Genie: This device uses Amazon’s Alexa as its underlying assistant and sounds a bit better than the Amazon Echo Dot. This device can do everything that an Alexa can do, like setting up reminders, texting, calling, managing smart home gadgets etc.

Sonos One: This device comes under premium category. This speaker is probably the best sounding speaker around and packs two Class-D digital amplifiers, a tweeter and a mid-woofer along with adjustable bass and treble controls.

 

Google Home: The Google Home speaker measures 5.6 inches (h) and 3.79 inches (d) which makes it handy yet sturdy.  The Google Home packs a pair of woofers with 51 mm drivers which ensures an incredible sound quality.

[Courtesy: https://beebom.com]

(Image Courtesy:https://www.gizmodo.com.au/)  

 

The Best New Smart Phones In 2019!

An array of new smart phones has been launched recently or is going to be launched soon in India in upcoming month. The technology enthusiasts and common public are equally excited about the new arrivals.

These upcoming smart phones are going to offer the newest innovations in mobile technology. Here is our list of a few of the much-awaited smart phones of 2019:

XIAOMI REDMI NOTE 7 PRO

With a Display of 6.3-inch, LCD Processor- Qualcomm Snapdragon 675 RAM- 4/6GB Storage- 32/64GB Camera- 48MP+ Depth sensor, 13MP front camera Battery- 4000mAh this phone is a sure winner in its category.

 

ONEPLUS 7 PRO

OnePlus 7 Pro might feature top-end specifications and perhaps a more sophisticated design than the Regular Version. It is possible that this will come with top-end specifications, ranging from 12GB of RAM and 512GB of storage, coupled with probably a ceramic design.

NOKIA 9

 

Nokia 9 runs on Android 8 OS. Thos smart phone is available in more than three color options - Tempered Blue, Polished Blue, Steel, Polished Copper and has a built in fingerprint sensor as the primary security feature.

XIAOMI REDMI Y3

 

Xiaomi is launching a new smart phone in India on April 24. This smart phone will be equipped with a 32-megapixel selfie shooter, better battery life and other high-end features

[Courtesy: https://www.digit.in / https://timesofindia.indiatimes.com / https://wccftech.com / https://www.themobileindian.com ]

(Image Courtesy:https://wccftech.com/)

 

Technology Trends To Watch Out For In 2019

2019 is going to be the year of disruptive technology. Many industries will get shaped and transformed for better with the help of this technology. Not just shaping industries, disruptive technology is also expected to open up new avenues of research and innovations.

ARTIFICIAL INTELLIGENT: Artificial Intelligence a.k.a AI is already a buzz word in the world of technology and engineering. Going forward in 2019 also it will continue to be a trend as we have seen just the beginning of the massive possibilities that AI has. AI would develop more in areas like mimicking human intelligence and carry out tasks such as recognizing of images, speech etc. Wayblazer uses language recognition API for the travel industry. Spotify, the music and video streaming services uses deep learning to provide music recommendations.

MACHINE LEARNING: With AI innovations, machine learning will continue bringing scientific breakthroughs in 2019. AI and machine learning will converge to produce better outcomes. Advancement in learning languages like machine learning etc. will make AI more powerful. China is going to remain in the forefront of AI advancement. Google is one of the biggest brands to use machine learning algorithm.

SUPERCOMPUTING: Though Quantum Computing is still an emerging technology, it is one of the most significant development scientists have been working on. A fully developed quantum computer a.k.a. supercomputer would surely change of the face of the human civilization.

AUGMENTED REALITY: More research in Augmented Reality (AR) and Virtual Reality (VR) will remain a talked-about technology in 2019 as well.  Till now we see more of R+ (AR, VR & MR summarized) in Video gaming; however, moving forward we would see more of it in engineering, healthcare, manufacturing and other industries.

(Image Courtesy: https://www.gevme.com)

 

Which Fitness Tracker Should You Pick?

It’s an eternal debate among the fitness freaks that one fitness band is better than another!

If you are trying to decide which one you should choose as your top fitness tracker, an activity band, a fitness watch or a clip-on tracker – you’re spoilt for choice. There are a plenty of brands to choose from, like - Fitbit, Garmin, Xiaomi, Misfit, Polar etc. So, it’s up to your preference and budget when it comes to fitness bands available in the market.

Fitbit’s Charge 3 – This is one of the best fitness trackers in the market.  The design of this product is stylish which you can wear in the office or in the Gym. This product is known to be water resistant and the best part about it is it gives one of the most accurate heart rate sensors.

Moov Now – If you are an avid swimmer and are looking for an appropriate device, Moov Now is your one of your best bets. This product is waterproof to 30m, and it can accurately track your vital stats such as stroke type, rate, distance, lap time etc.

Garmin Vivosmart 4 – An upgrade to Vivosmart 3, this is device includes an onboard heart rate monitor for 24/7 bpm data and VO2 Max testing. The Vivosmart 4 has the IQ software and is very useful for weight-lifters

Fitbit Ionic - The Fitbit Ionic is a great fitness tracker/smartwatch hybrid if you are looking for a powerful product. Along with a fitness tracker it also has a sleep tracker. To top that, this product is also water resistant.

Xiaomi Mi Band 3 – If you are on budget and still want a quality product, this one is your best bet. With an improved design as compared to Mi band 2, it’s a decent product with a heart rate monitor and basic activity tracker.

(Image Courtesy: https://phys.org/news/2017-09-trackers-benefit.html)   

 

Most Anticipated Smartphones In 2019

was a very successful year for the mobile phone industry. We saw many new features like multi-camera setups, bezel-less displays, a new aspect ratio of 18:9 and smartphones with 6GB and 8GB of RAM. Smartphones have features that futureproof them for quite a few years now. However, smartphones continue to evolve, and we are bound to see some cool new phones in 2019. In the Mobile World Conference 2018, we got a glimpse at the various new phones that we will find in the markets next year by companies like Samsung, Sony, Xiaomi and other manufacturers.

Here are some of the most anticipated smartphones that are going to come in 2019:

  1. Samsung Galaxy F

Samsung has been working foldable phone technology for years and even has given some sneak peeks into the developed phones for past 2 years, but 2019 is the year a real foldable phone is expected from Samsung. It has been named Samsung Galaxy F, which was previously seen at a Samsung Developer Conference held in November this year

Features:

It is expected to have a 7.3-inch screen when unfolded and a 4.6-inch screen when folded. It may have standard features like two 12 MP rear camera and an 8 MP selfie camera. It is likely to house a Qualcomm Snapdragon 850 processor. To power this behemoth of a device, it will pack 6000 mAh battery capacity.

Release Date:

It may be released in late Q2 of 2019.

Price:

With the new foldable phone technology and packing such hardware, its price is expected to be around $1,800, or INR 1,25,000 (approx.)

Samsung Galaxy S10

Coming next in this list is the next iteration of Samsung’s flagship S series, the Galaxy S10. While Galaxy F is the future of the mobile phones, S10 will probably be the more commonly found smartphone once it releases. Like its previous generations, S10 will be accompanied by two more options, with one of them being the S10 Plus.

Features:

According to the latest reports, we may see devices with 5.8-inch, 6.1-inch, and 6.4-inch screens. The latter two phones are also believed to pack curved displays like the Edge counterparts of older S series devices, while the smallest device will only have a flat screen. The S10 devices may include triple rear camera setup. The more expensive models will have a Qualcomm Snapdragon 855 on board and an in-display fingerprint sensor.

Release Date:

It may be launched on February 20, 2019

Price:

is expected to cost around $720, or INR 50,000.

  1. The new iPhones

It has become a norm of Apple to release new iPhone devices every year to compete with the latest offerings of its rivals.

Features:

The new iPhones are reported to have OLED panel with in-built touch sensitivity, which means we may see in-display fingerprint sensor finally. And since the display has in-built touch sensitivity, this allows for a thinner design as well. Apple is reportedly keeping its dual camera setup for the back.  While the iPhone XS and XS Max had the revolutionary A12 Bionic chip, the 2019 iPhones may include a newer version, the A13 chip, which means more powerful processor and better graphics performance. However, don’t expect 5G iPhone anytime soon, because Apple is planning to delay 5G phones for a while. The screen might pack an OLED panel and it may have USB Type C port.

Release Date:

Coming to 2019, Apple is about to bring some new advancements to its 2018 offerings. Apple may release 3 new iPhones like every year.

Price:

There are no indications of the price of the phones yet.

  1. Pixel 3 Lite

When Google released Pixel 3 and Pixel 3 XL, people were excited. They were a revolutionary piece of technology and many people wanted to get them as soon as they were released. The price tag was the limiting factor to its affordability and hence people were deprived of the awesomeness of this phone. So, Google listened to the complaints and decided to launch a budget Pixel 3 that packed all the software of the premium Pixel 3, while cutting down the costs on the hardware side.

Features:

According to the latest leaks, it is going to rock a Qualcomm Snapdragon 670, coupled with 4GB RAM and a 32Gb of internal storage. The screen might be a 5.5-inch LCD. The battery size might be similar to that of Pixel 3. But something that really goes for this phone is the camera it packs – the same 12.2MP rear camera that was found inside the Pixel 3 and Pixel 3 XL, making us wonder if we are about the get flagship phone camera quality on a budget phone.

Release date:

It is expected to be released on Jan 29, 2019

Price:

It is expected to be priced at $400-$500.

  1. Xiaomi Mi Mix 3

How can we forget about the father of the phone that started the whole bezel-free design scheme – the Xiaomi Mi Mix. Xiaomi is well known for releasing exceptional specification mobiles at competitive price ranges, and Mi Mix 3 is no exception.

Features:

Unlike its competitors, Mi Mix 3 has given up its notch for a slide out front camera system, making the whole phone bezel-less. It sports a 6.4-inch screen with a Super AMOLED touchscreen panel. It is powered by Qualcomm Snapdragon 845 and an Adreno 630 GPU. The most expensive Mi Mix 3 has 256GB of internal storage and a whopping 10GB of RAM! On the camera side, the main camera has dual camera setup with both cameras having a 12MP resolution, one a wide-angle lens and the other a telephoto lens. The front camera sports dual camera as well, one primary 24MP camera and the other a 2MP depth camera for perfect selfies. It is juiced by 3200 mAh battery. The best part – it has 5G support out of the box. This makes Mi Mix 3 a futureproof device and even a flagship killer.

Release Date:

Bringing on the third generation of the successful series, Mi Mix 3 has already started shipping in China but there are no dates on when the phone is up for a global release.

Price:

It is priced at 3,299 Yuan, or INR 33,500.

Courtsey: AdmitKard

Image courtsey : Pexel

 

All Conveniences At Your Doorstep – A Bane Or A Boon?

Life has not been the same as before since we have started living our life around the mighty Apps on our smart phones. Starting from food to grocery from call cab to medicine, the list is bottomless. With the rapid development of technology and a host of start-ups (and some MNCs too) coming with indigenous ideas, we are no short of getting used to having every facility at our doorstep by simply clicking a few buttons on our mobile phone. Is it all good or are we becoming a little too dependent on technology, negotiating some hassles for ourselves in the process?

While conservatives have always been skeptical about the emergence of new technologies and the subsequent shifts in lifestyle, it was but obvious that they would surely come up with their opinions of the new generation becoming lazier with all these Apps bringing everything within reach. But it’s a proven fact that there are more benefits than problems that these Apps have brought to us. Take, for example, the cab booking ones like Uber and Ola. Gone are those days when office goers in metro cities were at mercy of the ‘autowalas’ and their whims and fancies. Now, the App based cabs offer more comfortable AC rides and it was definitely a welcome change for a large section of the city dwellers. A few years down the line, things are not all glory and rosy though. With a strike almost every month by the Ola and Uber driver partners, unreasonable surge price and other troubles like unruly drivers, parking issues etc., complains are a little too many.  Likewise, if you visit the social media pages of the food delivery Apps like Swiggy, Zomato or UberEats, you would see swamp of negative comments by the customers venting their rage for varying reasons such as delayed delivery, non-refund of money, etc. So, coming to think of the boon of food delivery Apps, it’s again not all hunky-dory out there.

When Bigbasket brought massive thrust to their marketing campaign by bringing in Shahrukh Khan as the brand ambassador, it became a household name among Indian consumers who were not much exposed to online shopping of vegetables, meats or kitchen essentials. There is no doubt that online grocery shopping has its own benefits but like the cab booking Apps, the delivery Apps too need to have better customer service and probably better technological support.

Like all other technological innovations, the App based businesses too are going through a learning trajectory as they grow and it’s a matter of time before they fix the bugs and present more acceptable services to their customers. 

(Image courtesy: https://techstory.in/)

 

The Role Of Warehousing In Today's Economy

Domestic as well as international trade is one of the largest sources of employment for thousands of people all over the world. There are a number of firms that manufacture different types of goods that are either sold in the same country or exported to other countries.

However, profitable trade would not be possible without the presence of warehousing and distribution facilities. Goods need to be stored safely so that they can be shipped to the right location at the right time depending on the demand for the same.

  • Efficient business: There are several products such as agricultural and dairy produce, pharmaceuticals, and consumer goods etc that need to be stored in a clean and safe environment. Goods are often stored and shipped in batches as and when the demand arises. Importers and exporters depend on warehouses to store items before they reach the final consumers.
  • Effective distribution: Storage and distribution is an important step in the supply chain management. Hence, it is important to store goods in warehouses that are equipped with the necessary modern facilities such as dust-free storage, cold storage if required, online inventory management and security systems. Warehouses that have all these facilities are certainly worth the fees that you pay them.
  • Business development: Before a business can reach new markets and introduce new products to consumers, they need to have enough stocks stored away safely to meet projected demand. Again, it all boils down to warehousing and distribution. Not just manufacturers, but wholesalers and distributors highly rely on the use of 4PL and 3PL logistics providers.
  • Saving capital investment: More and more firms are opting to hire the services of a warehousing firm. This is a smarter idea because owning and operating a warehouse requires considerable investment and not all firms can afford it. Small firms, especially stand to benefit from the services offered by warehousing firms. It helps them to reach out to new markets across the world without making a heavy infrastructure investment.

Thus, it is clear why more and more firms are increasingly depending on the services of a 4PL logistics provider. In the recent past, there has been a clear shift from 3PL logistics to 4PL. This is happening because fourth party logistics providers add more value to the overall inventory management and timely distribution of products. Now, it is clear that warehousing and distribution is one of the most integral parts of interstate and international trade. By outsourcing this aspect to a reputable firm, you can save significant time and money by focusing on other strategic aspects of your business.

By : Gunjan Johar | Real Estate Analyst & Home Decor Blogger

 


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