#upi in other countries

[sanhatipal]

Figure Sculpting Commissions

I've been wanting to do this for a long time,now it's finally possible. I'll do mini chibi figures of characters,like the ones above! 25-35 USD + shipping depending on complexity, ToS under the cut

For more examples of my sculpting skills(but I won't do scales because it's too much work), here's some Pandora Hearts merch I've made,and some other sculptures:

The figures will be tiny, around the same size as Nendoroid Petites, which is half of regular Nendoroids (4-6cm).

References are always appreciated

Will be made of resin,air dry clay,and sometimes pieces of plastic or wood. Predominantly resin and clay.

There's the option for proportions between 1 and 2. Flandre Nendoroid is for size comparison only. No price difference.

I'll add a stand to make sure the figure can stand properly,but it won't be removable.

No LED parts (though I'd love to, the post office told me it might get rejected at customs)

Price depends on complexity of the character. I'll give you a price (+ shipping estimate for your country) after looking at the character, and you can decide whether you want it or not,and I'll start working on it. I'll send you WIP shots occasionally.

Payment after the figure is made or almost finished,and before shipping.

Making time is 7-14 days, hopefully,but may be more because I have a volatile schedule. I'll definitely let you know and keep you updated though.

Making these take time,so if you want to pay after a few weeks,you can give me a character to start making,and pay when you're ready. I'll hold onto it for a month.

Shipping is combined for multiple figures. If you want to add another figure after I've started, or even finished, making the first, that's fine, I'll ship it together.

Shipping will be through tracked international parcel post, takes 2-4 weeks, but duration not in my hands. Domestically,speed post, takes 3-5 days.

Payment via PayPal, or GPay/UPI if in India

I can add a fuzzy Luna or crimson moon vampire like this,or anything similar if you want, for 5 usd.

I can only work on 2-3 figures at max at a time,so if I get more requests, I'll reserve a slot,and contact you when I'm ready to start

I hold the right to turn down an offer for whatever reason.

And questions,feel free to ask on DMs. I'm also active on Discord nowadays, Flameheart3794 ,but Tumblr DMs are always open for queries!

[beardedmrbean]

Jan. 3 (UPI) -- A string of announcements about big investments in nuclear energy production signal a revival for the industry that already produces about 20% of U.S. electricity.

Google, Microsoft and Amazon are among the technology companies looking to nuclear power to produce energy with a smaller carbon footprint. Environmental organizations remain skeptical, if not outright opposed to the use of nuclear energy.

Disasters at nuclear plants in Chernobyl in 1986 and the Fukushima Daiichi plant in Japan in 2011 play a large role in the minds of opponents.

"Anyone who thinks the public perception is overwhelmingly pro-nuclear is probably kidding themselves," Dr. Lane Carasik, assistant professor in the Virginia Commonwealth University Department of Mechanical and Nuclear Engineering, told UPI. "A lot of work needs to continue to be done by organizations to make sure the public is appropriately informed about the benefits and dangers of nuclear power. There are both."

The benefits touted by companies making the investments and the U.S. government center around reducing carbon emissions. This goal has been a crucial point of emphasis for the Biden administration in the face of increasingly destructive and frequent extreme weather events around the globe.

The U.S. Department of Energy announced in October it is opening applications for $900 million in funding to build small modular nuclear reactors. The program is part of the Bipartisan Infrastructure Law that passed in 2021.

"Revitalizing America's nuclear sector is key to adding more carbon free energy to the grid and meeting the needs of our growing economy -- from A.I. and data centers to manufacturing and healthcare," Jennifer M. Granholm, U.S. secretary of energy, said in a statement.

Earlier in the fall, the Biden administration announced the approval of a $1.52 billion loan to restart the Palisades nuclear plant in Covert Township, Mich. It would be the first restart of a nuclear plant once believed to be permanently out of commission in U.S. history.

Carasik said he is not surprised that the government is playing a role in revitalizing the nuclear energy industry. Along with the need for a diverse slate of energy sources, he said it is imperative that the United States nurture the field of nuclear science or risk losing experts to other countries.

"If we do not train in nuclear science-adjacent fields, we could lose them potentially to other countries and potentially to adversarial countries," Carasik said.

Support for nuclear energy has been burgeoning in Michigan even prior to the announcement.

A bipartisan, bicameral caucus was formed in the state legislature. The state has agreed to put $300 million toward the Palisades restart. The Michigan Chamber of Commerce and Gov. Gretchen Whitmer have also called it a positive development.

Holtec International, the company that purchased the Palisades plant in 2022, has agreed to sell a portion of the energy it produces to Hoosier Energy in Indiana.

The plant is capable of producing 800 megawatts of electricity, enough to power about 800,000 homes. More capacity may be coming as Holtec International is developing two small modular reactors to be built near the Palisades plant capable of producing 300 megawatts each.

That additional energy will be needed as Microsoft and telecommunications company Switch eye building new data centers in western Michigan, according to Ed Rivet, executive director of the Michigan Conservative Energy Forum.

Existing data centers consume about 4% of all electricity generated in the United States. That need is expected to more than double by 2030 as more data centers are constructed, according to the Department of Energy.

"It's pretty shattering from a paradigm sense, seeing companies like Google (request for proposal) to the private sector 'Will you build a nuclear plant next to our data center?'" Rivet said.

The investments from the tech industry play a large role in the recent nuclear resurgence. Energy hungry data centers will require a reliable energy source. Rivet's organization calls for an "all of the above" approach to powering the nation's grid, including wind and solar energy. He believes nuclear energy must be part of that equation as well.

Unlike wind and solar, nuclear energy is produced on a constant basis regardless of the elements. Nuclear energy has no carbon footprint and its physical footprint -- the land a nuclear plant sits on -- is drastically smaller than the land covered by solar panels to produce the same amount of energy.

Christopher Ortiz, senior communications specialist with Kairos Power, told UPI that energy density is an attractive feature of nuclear reactor technology.

"Kairos Power's advanced reactor technology offers incredible energy density," Ortiz said. "One golf-ball-sized fuel pebble can produce the same amount of energy as burning four tons of coal."

Google signed an agreement to buy nuclear energy produced by Kairos Power's small modular reactors to support the needs of its artificial intelligence systems.

"This landmark announcement will accelerate the transition to clean energy as Google and Kairos Power look to add 500 (megawatts) of new 24/7 carbon-free power to U.S. electricity grids," Michael Terrell, Google senior director of energy and climate, said in a statement.

The projects in this agreement are slated to be finished and in operation across multiple plants by 2035.

Kairos Power, based in California, was founded in 2016 and employs more than 480 people. The company has hired more than 130 employees at its plant in Albuquerque, N.M., with an average salary of more than $100,000. It will also create more than 55 "high-skilled, high-paying" jobs to build, operate and decommission the Hermes Low-Power Demonstration Reactor near Oak Ridge, Tenn.

Construction on the Hermes reactor began in July. It will be used to develop the company's commercial advanced nuclear reactor technology.

Nuclear energy accounts for about 50% of U.S. clean energy production, according to the U.S. Department of Energy.

The Hermes reactor is projected to be complete in 2027.

The Palisades Nuclear Plant is not the only U.S. plant set to be brought back online. Microsoft agreed to a deal with Constellation, a Baltimore based energy company, to restart Three Mile Island Unit 1 in Londonderry Township, Pa.

The plant will produce 835 megawatts of electricity and create an estimated 3,400 jobs. It was shut down in 2019.

Three Mile Island Unit 2 was the site of a meltdown in 1979, leading to the evacuation of thousands of people. Like Chernobyl and Fukushima, Three Mile Island evokes memories of what can go wrong with nuclear power.

Dr. Arthur Motta of the Ken and Mary Alice Lindquist Department of Nuclear Engineering at Penn State told UPI that the Three Mile Island meltdown brought about positive changes to the industry. Better reporting and sharing of information about malfunctions among plants internationally has increased safety and reliability.

The challenge nuclear energy faces in the realm of public perception is cutting through the fear that has been harnessed in decades of pop culture depictions of nuclear disasters. Godzilla, the Fallout video game series and Homer Simpson bumbling around the Springfield power plant have fed into misconceptions about the industry, Motta said.

"It strikes something in the human psyche that makes people afraid," Motta said. "People evaluate risk based on their familiarity. Nuclear is the unknowable. People don't know about it."

Critics of nuclear energy have raised questions about waste disposal. Nuclear waste looks far different from the barrels filled with glowing green liquid that create three-eyed fish on The Simpsons. Instead, most waste comes in the form of nuclear fuel rods. They are highly radioactive but are not voluminous.

Motta explains that the total volume of the nuclear waste produced in the United States in the last 40 years could be stacked 2 to 3 meters high across one football field. There is about 90,000 metric tons of spent nuclear waste in the country, according to the U.S. Government Accountability Office. The Department of Energy is responsible for disposing high-level waste -- like the nuclear fuel rods -- in a yet-to-be-built repository.

In 1987, the government designated the Yucca Mountain in Nevada to be the site of a waste repository. However, the government turned away from nuclear energy through the Obama administration while lawmakers came to an impasse over next steps. The Obama administration also began to explore alternatives to the Yucca Mountain.

Currently nuclear waste remains stored in spent fuel pools -- large, reinforced concrete casks lined with steel. The fuel is submerged in 40 feet of water and cooled for five years or more before being moved to a dry cask to be stored for up to 40 more years.

This method of storage is considered temporary by the U.S. Nuclear Regulatory Commission.

The radioactivity of nuclear waste decays over time. After 40 years, the radioactivity of a spent fuel rod is about one-thousandth of what it was when it was first placed in storage, according to the World Nuclear Association.

Motta said the chief concern about storage of waste among skeptics is that radiation will make its way into the water table due to the containment casks corroding and the waste dissolving.

"The water table goes very deep. You bury the waste 5,000 feet and you're still well above the water table," he said. "There is no way for the waste to be released, especially because of the corrosion-resistant canisters and drip shields. Really, it's a question of if you believe the disposal proceeding can be done safely and I think it can."

[xettle-technologies]

What Are the Key Trends Shaping Domestic Money Transfers?

Domestic Money Transfers have evolved significantly in recent years, driven by advancements in technology, changing consumer preferences, and increasing regulatory oversight. The emergence of Digital Solutions, coupled with the integration of innovative financial tools, has reshaped the way individuals and businesses transfer funds within a country. This article delves into the key trends shaping Domestic Money Transfers, highlighting the role of technology, accessibility, and efficiency in this transformation.

1. Digital Transformation in Money Transfers

One of the most significant trends in Domestic Money Transfers is the widespread adoption of Digital Solutions. Traditional methods, such as bank drafts and money orders, are being replaced by mobile apps, digital wallets, and online banking platforms. These technologies allow for faster, more secure, and convenient transactions, catering to the growing demand for real-time payments.

The rise of digital banking has made it easier for consumers to transfer money with just a few taps on their smartphones. Mobile apps, have become household names, enabling peer-to-peer transfers with minimal fees and instant confirmation. These platforms not only enhance user experience but also reduce the dependency on cash, making transactions more efficient and traceable.

2. The Role of Fintech Companies

Fintech companies play a pivotal role in revolutionizing Domestic Money Transfers. By leveraging cutting-edge technologies like artificial intelligence (AI) and blockchain, they are addressing common challenges such as high transaction costs, delays, and lack of transparency. Companies like Xettle Technologies, for instance, have developed innovative platforms that streamline domestic payments, offering features like instant transfers, robust security protocols, and user-friendly interfaces.

These fintech solutions are particularly valuable for small businesses, freelancers, and gig economy workers who rely on seamless and affordable payment methods to manage their finances. By integrating Digital Solutions into their operations, fintech companies ensure that users can access fast and reliable money transfer services without the limitations of traditional banking systems.

3. The Shift Toward Real-Time Payments

Real-time payments (RTP) have emerged as a game-changer in Domestic Money Transfers. Consumers and businesses increasingly expect instant fund availability, whether for payroll, bill payments, or peer-to-peer transfers. Real-time payment systems eliminate the delays associated with traditional methods, ensuring that funds are credited within seconds.

Governments and financial institutions worldwide are investing in RTP infrastructure to meet these demands. In the United States, for example, the Federal Reserve’s FedNow Service aims to provide a nationwide RTP platform by facilitating instant transfers between banks. Similarly, other countries have implemented systems like India’s Unified Payments Interface (UPI) and the United Kingdom’s Faster Payments Service, highlighting the global push for faster domestic transactions.

4. The Growth of Mobile Money and Digital Wallets

Mobile money and digital wallets are becoming integral to the domestic payments ecosystem. These Digital Solutions provide a secure and convenient way to store and transfer money, especially for unbanked or underbanked populations. Platforms like Apple Pay, Google Pay, and Cash App offer seamless integration with smartphones, enabling users to make transfers, pay bills, and shop online without the need for physical cash or cards.

This trend is particularly prominent in emerging markets, where mobile penetration is high but access to traditional banking infrastructure remains limited. By bridging this gap, digital wallets are fostering financial inclusion and empowering users to participate in the digital economy.

5. The Influence of Open Banking

Open banking is another trend shaping Domestic Money Transfers by fostering collaboration between traditional banks and fintech companies. Through secure APIs (Application Programming Interfaces), open banking allows third-party providers to access customer data (with consent) to create tailored financial services. This innovation promotes competition and encourages the development of more efficient and customer-centric money transfer solutions.

With open banking, users can link multiple accounts to a single platform, making it easier to manage funds and initiate transfers. For businesses, open banking streamlines payment processing, enhances cash flow management, and provides real-time insights into financial transactions.

6. Enhanced Security and Fraud Prevention

As Domestic Money Transfers become increasingly digital, ensuring security is paramount. Advanced fraud prevention measures, such as biometric authentication, tokenization, and encryption, are being integrated into money transfer platforms to protect user data and prevent unauthorized access.

AI and machine learning play a crucial role in detecting suspicious activities and mitigating risks. These technologies analyze transaction patterns in real time, flagging anomalies and preventing fraudulent transfers before they occur. For consumers and businesses alike, enhanced security builds trust and encourages wider adoption of digital money transfer solutions.

7. The Push for Financial Inclusion

Digital Solutions for Domestic Money Transfers are also driving financial inclusion by reaching underserved populations. In rural areas and low-income communities, mobile money platforms and agent networks provide access to basic financial services, allowing individuals to send and receive money with ease. This democratization of financial services helps reduce economic disparities and fosters greater participation in the formal economy.

8. Regulatory Support and Standardization

Supportive regulatory frameworks are facilitating the growth of Domestic Money Transfers. Governments and regulatory bodies are working to create standards for interoperability, data security, and compliance, ensuring that digital payment systems operate seamlessly and transparently. Initiatives like regulatory sandboxes allow fintech companies to innovate while adhering to legal requirements, creating a balanced ecosystem for growth and innovation.

Conclusion

The landscape of Domestic Money Transfers is undergoing a profound transformation, fueled by the adoption of Digital Solutions, technological advancements, and evolving consumer expectations. Trends such as real-time payments, mobile money, open banking, and enhanced security measures are redefining how individuals and businesses manage their financial transactions.

Fintech companies like Xettle Technologies are at the forefront of this revolution, delivering innovative tools that simplify domestic payments and enhance user experience. As these trends continue to shape the market, the future of Domestic Money Transfers promises to be faster, more inclusive, and more secure than ever before.

[libertariantaoist]

News Roundup 6/7/2023 | The Libertarian Institute

Here is your daily roundup of today's news:

News Roundup 6/7/2023

by Kyle Anzalone

US News

The State Department has falsely accused rock legend, Roger Waters, a co-founder of Pink Floyd, of antisemitism over a recent performance in Germany. AWC

The Treasury Department announced sanctions on two members of a Mexican cartel. UPI

Russia

The New York Times reported Tuesday that the Biden administration has “shrugged off” Ukrainian attacks inside Russia as US officials are no longer as concerned about escalation as they were earlier in the war. AWC

Belgian Prime Minister Alexander De Croo said Monday that his government is asking Ukraine if Belgian rifles were used by pro-Kyiv fighters in a recent attack on Russia’s Belgorod region. AWC

US officials confirmed to The Washington Post that US and other NATO equipment was used in a cross-border attack in Russia’s Belgorod region that was launched on May 22. AWC

On Monday, Chairman of the Joint Chiefs of Staff Gen. Mark Milley said Ukraine was “well prepared” to launch a counteroffensive against Russian forces thanks to the support the US and NATO have provided. AWC

Ukrainian President Volodymyr Zelensky told The Wall Street Journal in an interview published Saturday that his country will sit out the upcoming NATO summit in Vilnius this July if Kyiv is not given a “signal” toward full membership in the alliance. AWC

The Washington Post reported Tuesday that the US received intelligence in June 2022 about a Ukrainian plot to bomb the Nord Stream natural gas pipeline that connects Russia to Germany. AWC

Russian Foreign Minister Sergey Lavrov said Monday that Moscow must keep in mind that American-made F-16 fighter jets are capable of carrying nuclear weapons. AWC

China

CIA Director William Burns held “clandestine” meetings with Chinese intel agencies during an unannounced trip to Beijing last month, US officials told the Financial Times, suggesting the visit was intended to “stabilize” deteriorating relations with the People’s Republic. The Institute

The White House on Monday accused the Chinese military of being more “aggressive” in waters near China’s coast following two encounters between the US and Chinese militaries in the South China Sea and the Taiwan Strait. AWC

French President Emmanuel Macron objects to NATO’s plans to open a liaison office in Japan and thinks the alliance should stay in the North Atlantic, Financial Times reported on Monday. AWC

The US, Japan and Australia announced a joint plan to build undersea cables. The project will cost about $100 million and viewed by the nations as a counter to China. Fox News

Rep. Mike Rogers (R-AL), chair of the House Armed Services Committee, said Tuesday that he wants Congress to pass a supplemental spending bill this year to address so-called threats from China, Defense News reported. AWC

The commander of the US Indo-Pacific Command, Admiral John Aquilino, highlighted the military’s threatening posture towards China, speaking at the annual meeting of the National Committee on US-China Relations last month. The group is known for encouraging engagement between the world’s two largest economies. The Institute

Middle East

Secretary of State Antony Blinken addressed the American Israel Public Affairs Committee Policy Summit on Monday and pledged Washington’s “ironclad” support for Tel Aviv. Part of the White House’s plan to strengthen Israel’s security would be to push Saudi Arabia into a normalization agreement with Israel. The Institute

Israeli Prime Minister Benjamin Netanyahu ramped up his threats of war against Iran and slammed the International Atomic Energy Agency (IAEA), the UN nuclear watchdog, for cooperating with Tehran on Sunday. The Institute

On Tuesday, Iran reopened its embassy in Saudi Arabia after a seven-year closure, the result of the normalization deal between Tehran and Riyadh that was brokered by China. AWC

The Treasury Department placed sanctions on seven people and six entities for supporting Iran missile program. UPI

Read More

[hopeonmyphone]

BTS J-Hope's enlistment, ABC, BBC, Egypt TV, etc. 300 overseas media coverage "World attention"

Jhope joined the 36th Army Recruit Training Center in Wonju, Gangwon-do on the 18th, and more than 300 media outlets around the world reported on it and showed great interest. .

The world's three major news agencies, the AP of the US , Reuters of the UK, and AFP of France, introduced that "BTS has become a global cultural phenomenon by contributing billions of dollars to the Korean economy and building an international fan base "

Special exemption from military service is provided to traditional musicians, ballet and other dancers if they have won a top prize in a particular competition and are judged to have increased national prestige, but K-pop stars and other entertainers are not subject to the privilege.” ABC , CBS , NBC , Fox News, and UPI, the three major American terrestrial broadcasters , also reported on the enlistment news. NBC and CBS also reported on entertainment news programs such as Access Hollywood and Entertainment Tonight.

CNN reported on the news of their enlistment, saying, " BTS have become global superstars, such as being nominated for a Grammy, and with sales of $4.9 billion in 2019, they account for 0.3% of the country's gross domestic product and have become an important part of the Korean economy."

Major media such as Time, Forbes, Washington Times, Washington Post, USA Today, People, Variety, music media such as Billboard, Rolling Stone, Consequence of Sound, American Songwriter, radio networks such as iHeartRadio and Ohda, and entertainment Tonight, Teen Vogue, EFE , and IBTIMES also reported the news.

In the United States, even local media such as New York Daily News, SCNOW , Gadget Times, Montana Standard, laprensalatina , Fox LA , and Massachusetts Radio joined the ranks of reporting and showed keen interest. Canada's ET Canada also broke the news.

Brazil's OFuxico , Mexico's daily Diario de Yucatan , la verdad noticias, Peruvian daily la republica , Aristegui Noticias , news es euro , TV channel latina pe , and Chilean publimetro , etc.

Britain's public broadcaster BBC reported on the situation in South Korean politics, saying, "There has been discussion for years about whether BTS should serve compulsory service or whether they should be exempted for their contribution to the arts, but the Ministry of Defense has ruled that they must serve . " "When J-Hope released a photo of his shaved head, fans cheered by clicking more than 8 million likes," the report said.

Daily Mail, a daily newspaper in the UK, NME , a music media outlet , Metro Entertainment, and Forcenet, which delivers news related to defense around the world, also reported news.

In France, news of J-Hope's enlistment was reported by 24-hour news channel BFM TV , state-run international news TV network France 24, and weekly news magazine Paris Match.

Germany's wochenschau , Italy's TV news channel Sky TG24 , Netherlands' TV channel RTL Boulevard , Spain's national daily sports newspaper Marca, Portugal's national newspaper publico , and Russia's Orsk Today also joined in the reporting.

In Africa, Egyptian TV channel Sada El Balad , Egyptian radio channel Nile FM , Nigerian news agency Peoples Gazette , and Jordanian mediaAl Bawaba et al reported. UAE daily Khalij Times and Gulf News reported the news.

In India, many media such as The Telegraph, India TV , NDTV , Hindustan Times, East Mojo, Fun Times, Delhi Times, Glasham, and Bangalore Times showed interest.

Japan's Oricon News, Billboard Japan, The Japan News, Hong Kong's South China Morning Post Lifestyle Asia, Singapore's Straits Times, Philippine daily Inquirer, CNN Philippines Philstar, ABS-CBN, Indonesia 's CNN Indonesia , Thailand 's Reports from Asian countries followed, including thethaiger daily , Malaysian Insight, Pakistan's Global Village Space , and Vietnam's daily thanh nien .

It is estimated that hundreds of millions of viewers and readers around the world heard the news of J-Hope's enlistment through such news reports. Meanwhile, J-Hope performed ' HUH', a song from Suga's solo album released on the 21st.?!' as a lyricist/composer and featured in the song, giving fans a song gift. J-Hope's scheduled discharge date is October 17, 2024.

Source: Herald Economy

[upismediacenter]

UPIS shifts to mandatory and increased frequency of face-to-face classes

MORE FACE-TO-FACE CLASSES. The 2nd floor lobby of the 7-12 building is filled with students, as the building re-opens and classes have been mandatory, with an increase in frequency of days.|| Photo courtesy of Andre Panopio.

The University of the Philippines Integrated School (UPIS) shifts to mandatory and increased frequency of face-to-face classes for the second semester of Academic Year 2022-2023, as health protocols have eased throughout the Philippines.

According to Prof. Dian Caluag, the Assistant Principal for Academic Programs, the increased frequency of onsite classes to two and three days a week is mainly because of the country's improving situation. The loosening of Covid-19 restrictions successfully permitted the students to access onsite and academic assistance from the teachers. “Nakita natin na nag-iimprove na yung [We saw the improvement of the] pandemic situation, meaning more people have been vaccinated [with boosters]. UP has also advised its units to increase the number of face-to-face classes.”

In addition, Prof. Caluag added that the teachers, students, and parents requested an increase in in-person contact and on-site classes. Remote learning led to academic loss which resulted in fewer classroom activities and lack of direct interactions between students, she said. Without these interactions, the students faced challenges in interpersonal relationships with parents, teachers, and peers.

She also explained that there is an idea that we will not get to the routines that we used to do before the pandemic, such as doing flag ceremonies every week, having club meetings, and celebrating UPIS week. To this, she responded, “It’s more of moving forward, we’re learning from what we experienced in the past three years, and the idea is that we’re not going back to how things were before. We’re banking on what we learned and moving forward.”

On the other hand, Aileen Dimaculangan, the school’s nurse, declared that the same process of filling out health declaration forms would continue on a weekly basis rather than daily. The school also had a revision of quarantine and isolation protocols with the help of the University Health Services (UHS). Reminding students to fill up the health declaration forms honestly, Nurse Aileen reiterates the appropriate observation of conforming to minimum health protocols, such as wearing a face mask, being knowledgeable about proper hygiene practices, and eating the right diet. Nurse Aileen also added, “I think kung ano na-start na rin natin (following minimum health protocols and keeping yourself clean) kailangan lang natin i-continue ito, pati na rin sa personal [hygiene] natin kasi magiging malaking tulong para safe ang lahat.” [I think that we should continue what we have started (following minimum health protocols and keeping yourself clean), as well as maintaining our personal [hygiene], as it is a big help in keeping everyone safe.]

Reactions of students

UPIS students also had reactions to the shift made by the school. Cilque Casis, a Grade 12 student, says she feels great about having more days of classes. “Face-to-face classes allow me to focus on the subject matter more, compared to online classes where I’m mostly just staring at the screen. I [also] like the fact that you can ask teachers directly in person, and if you have other questions after class, you can just visit them in the faculty room.” Zerah Ballarta, a grade 11 student, was also delighted about the shift, as she is able to step foot into UPIS again after months of isolation, and finally seeing friends she used to bond with.

The students also expressed the challenges that they encountered along with the benefits. According to Zerah, "Nahirapan ako bumalik sa dating gawi ko kasi hindi na ako sanay gumising nang maaga at mag-ayos for school." [“It was hard for me to go back to my old routine because I’m not used to waking up early and getting ready for school anymore.”] Meanwhile, Cilque was concerned about the amount of groupworks and coordination between classes. “My concern is just with the amount of groupworks that we have, sometimes it is hard to coordinate with other classes, especially with other interest courses,” she stated.

When asked about possible additions to the current health protocols, Cilque proposed that in the health declaration form, there should be an option where you could specify if your symptoms were allergy-related. “We have a lot of people who have allergies, but if they answered the form truthfully, they might not be allowed to school even though it’s already been dealt with or they were taking allergy medication.” As for Zerah, she suggested that more alcohol stations should be placed in school, along with a station that provides face masks in case the students forget to bring extras.

Other changes that can be seen in the rules and regulations included the canteen being fully operational once again and adopting the schedule used in online classes, which starts at 8:00 am and ends at 2:30 pm. Temperature checks can also be seen in the school’s entrances, as well as alcohol dispensers for each classroom and restroom.

UPIS hopes that these new protocols will help students learn better at school while ensuring everyone’s safety. “The characteristic of the transition is that it’s gradual, and that transition will lead us to the new normal,” Prof. Caluag stated. //by Monique Gervacio and Andre Panopio

[wealthview]

Let’s face it, looking for quick access to credit can be a stressful experience. Many of us have GPay (Google Pay) opened daily, making payments and transfers. But in a pinch, it raises a natural question “Can I get a loan from Google Pay?” This comprehensive guide dives deep into the possibilities of receiving financial assistance through Google’s popular digital payment platform in India, separating fact from fiction to help set your expectations right. This post unravels the various loan scenarios, the potential platforms integrated within (or comparable to) GPay, and what your actual options are when you do need a financial boost in a hurry. We’ll also bust a few myths along the way! Everything explained in an easy, friendly manner that will benefit Indian users.

Understanding Google Pay’s Role in Indian Finance

Google Pay, immensely popular in India, functions primarily as a digital wallet and payment system. Its strength lies in facilitating quick and secure transactions between individuals and merchants. However, its core functionality isn’t designed for direct loan disbursement. This means you won’t find a dedicated “apply for a loan” button within the Google Pay app itself. Unlike some financial applications in other countries which are linked to lending opportunities, google pay only connects your linked banks and is itself not the loan service itself

Google Pay is NOT a Lending Platform

Crucially, understand that Google Pay is not a financial institution (like a bank or NBFC). It doesn’t underwrite or offer loans directly. Think of Google Pay as a digital medium more comparable to UPI’s payment facilitator, in function rather than a lender itself.

Exploring Integrated Services & Linked Accounts

Google Pay, often partnered with other financial applications (although not in place of such application), allowing for linking of accounts that can process loan applications independently of the GPay interface. But Google Pay plays only a supporting role here – helping facilitate payments related to any approved loan you get entirely through such third-party sources through various other interfaces external to GPay.

The Myth of Instant Google Pay Loans

You might stumble across articles or rumors mentioning “Instant Google Pay Loans.” Sadly, these claims should be treated with extreme skepticism as they are currently untrue in relation to obtaining a direct-disbursements based loans in India at the moment. Any promotion indicating loans directly via this platform lacks factual basis.

Alternative Loan Options for Indian GPay Users

While you can’t directly get a loan through Google Pay, plenty of other options provide quick access to funds. Remember to compare options to choose whats best for your conditions.

Personal Loans via Non-Banking Financial Corporations (NBFCs)

Numerous NBFCs in India use digital processes accessible on-demand via internet. Online borrowing forms typically require basic personal information for KYC (Know Your Customer) checks alongside filling in specifics. These loans offer versatile solutions for individual finance shortfalls by borrowing money usually for relatively short times.

Many personal loan offers from reputable NBFCs can utilize a UPI ID linked in other online banking platforms for disbursal post-application approval through verification, for making swift and simpler reimbursements over a period of time with variable interest depending usually both on the length of the loan AND conditions set within each contract separately itself upon eligibility..

Credit Cards

Credit cards linked to your digital systems like through GPay offer similar financial leverage. Using a credit card carefully is another way for borrowing funds to assist in finance, this usually incurring interest based on purchases made usually with the option or not (dependent on bank or company policy itself and or upon eligibility requirements in general), and must normally be settled entirely at least monthly if not already paid-off upon purchase during monthly repayment periods. Although similar, this remains slightly different then loans.

The approval process can vary, requiring income or credit rating. Always review your statement conscientiously and pay down bills promptly so your credit score remains uptight to make such possibilities for borrowing as well as access in all other means including lending applications.

Small Business Loans

Many microfinances are also possible as small business enterprise may allow for faster procurement of necessary finances, with less stringent application approval requirements, although the offered financial limit typically caps off lower than various options that may already be widely offered and/or usually made available and suitable depending also upon circumstances of applicant and circumstances of the specific company respectively in itself as well as other possibilities (including credit scores, and length) as it were.

Instant Loan Apps

There’s a boom in the “instant loan app” market. Keep an eye on these few caveats:

Interest: They invariably impose notably higher rates compared to traditional loan providers. Ensure to check total charges in detail.

Repayment: It might appear instant, but failing repayment means immediate crippling interest. Know before you start how it works for sure; do read everything closely.

Reputable Sources: Seek well-known ones, avoid potentially dodgy enterprises if possible with bad reputations; use only officially certified/legitimate brands with prior good ratings whenever using unfamiliar companies of whatever kinds usually. Use verified third-parties only ever as preferred rather than anything else of all the various different places there should, reasonably speaking given the circumstances also, to which one may at a glance also reasonably readily ascertain this particular case. These steps typically ought help avoid scammers completely for ease of purposes, for good and sure reasons accordingly..

FAQs: Getting Loans in India

Q: Where truly else can I look for other kinds besides Gpay only regarding getting loans anyway if it’s truly really NOT through it directly at all?

A: Look towards leading Indian banks, NBFCs and verified digital finance service providers such as Paytm, with licensed operations in India; be vigilant towards scams.

Q: are these applications I hear about truly safe if trying out a non-google pay alternative or two instead?

A: Choose only established ones to minimise your risks of becoming a target of fraud or harmful conduct by others seeking for criminal objectives upon one’s person as this greatly minimizes any risks involved towards the person seeking services at the most appropriate levels given most available reasonable possibilities overall when looking only to minimize one’s involved risks most efficiently to an optimized effect possible.

Q: Is there another way that GPay might have loans or so something like that going-on?

A: Remember again; Google Pay itself is not a lending company! Their role is only payment processing following any loan approvals already otherwise obtained. Any supposed offers otherwise from supposed GPay loan schemes are actually fake.

Selecting the Best Path for Easy Accessible, Quick Loans

This guide should sufficiently guide navigating the Indian lending landscape without relying solely however still including mention also given particularly given upon Gpay’s limitations in that capacity but offering alternate resources instead if that kind is currently unavailable but in reality this was needed and already indeed was really necessary regardless as well actually overall instead in the first.

Remember to compare interest rates, borrowing limits, processing charges, credit scores involved among the various many alternate lenders/borrowers and or loan apps available, from NBFC’s directly up to any bank too, making sure to study as much of both conditions and circumstances alongside it.

Compare several firms first across which to make such decisions of where your specific best choice may come to happen or actually turn, before proceeding onward accordingly however this can depend upon factors particular of any one given application depending however at certain times upon your eligibility status and your overall credit circumstances accordingly, and must make such informed decisions so far.

Ultimately, this should all enable greater assurance making wise decisions when undertaking financial choices for optimal ease given overall when choosing most available feasible sources.

Please share this with anyone who might fine this post useful! Leave a comment below regarding some suggestions of your own experiences regarding this matter too as these can help other readers navigate things best as well more easily generally speaking and these are more then welcome to further enhance and increase our ability along with the other persons using suggestions overall upon how their particular case went regarding any information overall mentioned as part including both all the different types even just a sampling within many kinds discussed overall and generally too as such!

[vikashkumar123]

Mangalayatan University Online Education: A Comprehensive Guide

Mangalayatan University is a well-recognized institution that has gained prominence for providing quality higher education. The university has now extended its academic excellence to the digital space, offering various programs through Mangalayatan University Online Education. With its innovative approach to online education, the university aims to make higher education accessible and flexible for students and professionals across the country.

Why Choose Mangalayatan University Online Education?

Mangalayatan University is committed to delivering quality education through its online platform, ensuring that students receive the same academic rigor as they would in a traditional classroom setting. Here are some key reasons why Mangalayatan University Online stands out:

Accreditation and Recognition: The university is recognized by UGC and other regulatory bodies, ensuring credibility and value for its degrees.

Flexible Learning: Online programs allow students to learn at their own pace, making it convenient for working professionals and remote learners.

Industry-Relevant Curriculum: Courses are designed in collaboration with industry experts to ensure graduates are job-ready.

Affordable Education: Compared to traditional on-campus programs, online courses at Mangalayatan University are cost-effective.

Expert Faculty: Students receive guidance from experienced faculty members who are well-versed in their respective fields.

Programs Offered by Mangalayatan University Online

Mangalayatan University Online provides a wide range of undergraduate and postgraduate programs across various disciplines. Some of the popular courses include:

1. Undergraduate Programs

Bachelor of Business Administration (BBA)

Bachelor of Computer Applications (BCA)

Bachelor of Arts (BA) in various specializations

Bachelor of Science (B.Sc.)

2. Postgraduate Programs

Master of Business Administration (MBA)

Master of Computer Applications (MCA)

Master of Arts (MA) in various disciplines

Master of Science (M.Sc.)

3. Diploma and Certificate Courses

Apart from degree programs, Mangalayatan University also offers diploma and certificate courses in emerging fields, helping students upskill and enhance their career prospects.

Mangalayatan University Online Admission Process

The Mangalayatan University Online admission process is simple and designed to make it easier for students to apply. Here’s a step-by-step guide:

Step 1: Visit the Official Website

Students can visit the official Mangalayatan University Online portal to explore available courses and eligibility criteria.

Step 2: Fill Out the Application Form

Candidates need to fill out an online application form by providing personal and educational details.

Step 3: Upload Documents

Applicants must upload scanned copies of essential documents such as:

Academic certificates and mark sheets

Identification proof (Aadhar Card, Passport, etc.)

Passport-size photograph

Step 4: Pay the Application Fee

A nominal application fee is required, which can be paid through online payment modes like credit/debit cards, net banking, or UPI.

Step 5: Admission Confirmation

Once the application is reviewed and approved, candidates receive an admission confirmation via email along with login credentials for the university’s learning management system.

Are you ready to advance your education and career? Explore the best online programs at Mangalayatan University Online and secure your future today! Visit Online University to begin your learning journey.

Learning Experience at Mangalayatan University Online

Mangalayatan University has designed its online learning system to be interactive and engaging. Here’s what students can expect:

1. Live and Recorded Lectures

Students can attend live virtual classes and access recorded sessions for future reference, ensuring flexible learning.

2. E-Library and Study Material

The university provides access to a comprehensive digital library with e-books, journals, and research papers to support academic learning.

3. Discussion Forums and Peer Interaction

Students can interact with peers and faculty members through online discussion forums, fostering a collaborative learning environment.

4. Assignments and Assessments

Students are evaluated through assignments, quizzes, and online exams to ensure they grasp the concepts effectively.

5. Career Support and Placement Assistance

Mangalayatan University offers career counseling and placement assistance, helping students secure job opportunities in reputed organizations.

Fee Structure of Mangalayatan University Online Programs

The fee structure for online programs at Mangalayatan University is designed to be affordable and flexible. While the exact fee varies depending on the course, students can expect reasonable tuition fees with options for installment payments. Scholarships and financial aid are also available for deserving candidates.

Advantages of Studying at Mangalayatan University Online

Global Accessibility: Students from around the world can enroll in courses without geographical constraints.

Personalized Learning: Self-paced learning modules allow students to balance their studies with work or personal commitments.

Affordable and Cost-Effective: Lower tuition fees and savings on travel and accommodation make online education a budget-friendly option.

Skill Development: Online courses include industry-relevant projects and practical exposure to enhance employability skills.

Conclusion

Mangalayatan University has successfully created a robust online education system that caters to students from diverse backgrounds. Whether you are a working professional seeking career advancement or a student looking for a flexible learning option, Mangalayatan University Online is an excellent choice.

[gokiwinow]

RuPay Credit Cards – Debunking Common Myths

Myth 1: RuPay Credit Cards Don’t Work Outside India

This is one of the biggest myth about RuPay Cards as Many people think that RuPay cards only work in India. But this is not true at all. RuPay works with international networks like Discover and JCB. You can use these cards in over 190 countries. Whether shopping online or travelling abroad, RuPay credit cards are just as useful as other cards. But you need to make sure that you enabled International Transactions for your card before going abroad.

Myth 2: RuPay Credit Cards Don’t Offer Rewards

Some believe RuPay cards lack rewards or benefits as compared to other networks but this is not true at all, RuPay credit cards offer cashback, and discounts on shopping, travel, and dining. Premium cards include perks like free airport lounge access. You don’t miss out on rewards with RuPay. Even some of the Rupay Cards are offering greater rewards then legacy network cards. For Example, Kiwi Credit Card offers up to 5% cashback of the transactions.

Myth 3: RuPay Credit Cards Are Only for Low-Income People

This myth started because RuPay was linked to government programs for basic accounts. But now, RuPay credit cards come in all types—basic and premium. Big banks like SBI, HDFC, and ICICI offer RuPay cards for all income groups.

Myth 4: RuPay Credit Cards Are Not Safe

Some think RuPay cards are less secure than legacy card network cards. This is not true at all, RuPay credit cards have advanced safety features like EMV chips and two-factor authentication. They have almost all the security features that are available with VISA and MasterCard. They are as safe as any other credit card.

Myth 5: RuPay Cards Are Not Accepted Everywhere in India

RuPay cards are accepted almost everywhere in India. You can use them at stores, restaurants, and online platforms. NPCI, the company behind RuPay, has built a strong network to ensure wide acceptance. Specially after enabling the UPI payments with Rupay Card it can be used in any part of India as UPI is already present in every corner of India.

Myth 6: RuPay Cards Have High Fees

RuPay cards are affordable. They have lower transaction fees than other cards. This helps businesses and card users save money. Read More - https://gokiwi.in/blog/rupay-credit-cards-debunking-common-myths/

[bestbankingservices]

Simplifying transactions: The rise of UPI Lite in smart payments

Digital payment systems have transformed how we manage and make payments. UPI Lite and Smart Pay are the newest developments that make transactions simpler, quicker, and more accessible. These tools not only enhance payment experiences but also shape the future of cashless payments in India and other countries. Let us learn about UPI Lite and Smart Pay, their benefits, and how they revolutionise payments.

What is UPI Lite?

UPI Lite is a simple version of the Unified Payments Interface, making small transactions easier and quicker. Unlike regular UPI, which requires a good and stable internet connection, UPI Lite operates even with low or no internet connectivity. It is a seamless, easy-to-use solution for people who need to send money instantly for day-to-day expenses without worrying about network issues.

Benefits of UPI Lite

Instant transactions: UPI Lite ensures quick payments, allowing instant processing even with weak network connections.

Offline functionality: Unlike traditional UPI, UPI Lite can work offline or with low bandwidth, reducing payment disruptions.

User-friendly: UPI Lite has a simple and intuitive design, so it is also suitable for individuals with limited tech knowledge.

Low-cost transactions: With minimal transaction charges, UPI Lite is cost-effective for users and businesses.

Wide acceptance: UPI Lite can be used across various platforms, making it versatile for multiple services.

What is Smart Pay?

Smart Pay is an advanced solution that automates bill payments, subscriptions, and recurring charges. It enables users to set up automatic payments for utilities, mobile bills, and online services, ensuring timely payments without manual intervention. Smart Pay allows users to streamline their finances and avoid missing due dates.

Benefits of Smart Pay

Automatic payments: Smart Pay automatically schedules and processes repetitive payments, eliminating the need to handle transactions manually.

Better security: Smart Pay protects user data and payment details with high-level encryption.

Convenient and fast: The setup process is quick, and payments are made without any fuss once established.

Real-time notifications: Users receive alerts when payments are made, giving them complete control over their finances.

Financial management: Smart Pay provides a clear record of payment history, making tracking and managing finances easier.

Future of UPI Lite and Smart Pay

With the evolution of these online pay systems, faster, secure, and more manageable features are expected. UPI Lite’s offline capabilities and Smart Pay’s automation will simplify everyday payments, especially for those who depend on regular transactions. Due to such innovations, the future of digital payments in India seems bright. As the adoption of digital payment increases, UPI Lite and Smart Pay may become integral to a cashless economy.

Conclusion

UPI Lite and Smart Pay simplify digital payments, making transactions easier, faster, and more accessible. While UPI Lite enables instant payments with limited internet access, Smart Pay automates and secures repetitive transactions. Together, they not only enhance user experience but also drive the future of digital payments in India. With the continued growth of these technologies, the future looks promising for hassle-free, smart transactions.

[beardedmrbean]

Dec. 28 (UPI) -- Chinese hackers called Salt Typhoon have infiltrated a ninth telecommunications firm, gaining access to information about millions of people, U.S. cybersecurity officials say.

The FBI is investigating the Salt Typhoon attacks, which are spurring new defensive measures, deputy U.S. national security adviser Anne Neuberger told reporters on Friday.

"As we look at China's compromise of now nine telecom companies, the first step is creating a defensible infrastructure," she said.

The hackers primarily are targeting individuals and organizations involved in political or governmental activities and a significant number of hacking victims are located in the Washington D.C.-Virginia area.

The hackers can geolocate millions of people in the United States, listen to their phone conversations and record them whenever they like, Politico reported.

Among recent victims are President-elect Donald Trump, Vice President-elect JD Vance and several Biden administration officials.

Neuberger did not name the nine telecommunications firms that have been hacked, but said telecommunications firms and others must do more to improve cybersecurity and protect individual customers.

"We wouldn't leave our homes, our offices unlocked," she said. "Yet, the private companies owning and operating our critical infrastructure often do not have the basic cybersecurity practices in place that would make our infrastructure riskier, costlier and harder for countries and criminals to attack."

She said companies need better management of configuration, better vulnerability management of networks and better work across the telecom sector to share information when incidents occur.

"However, we know that voluntary cybersecurity practices are inadequate to protect against China, Russia and Iran hacking our critical infrastructure," Neuberger said.

Australian and British officials already have enacted telecom regulations "because they recognize that the nation's secrets, the nation's economy relies on their telecommunications sector."

Neuberger said her British counterparts told her they would have detected and contained Salt Typhoon attacks faster and minimized their spread and impact.

"One of the most concerning and really troubling things we deal with is hacking of hospitals [and] hacking of healthcare data," Neuberger said. "We see Americans' sensitive healthcare data, sensitive mental health procedures [and] sensitive procedures being leaked on the dark web with the opportunity to blackmail individuals with that."

She said federal regulators are updating existing rules and implementing new ones to counteract the cyberattacks and threats from Salt Typhoon and others.

The Department of Justice on Friday issued a rule prohibiting or restricting certain types of data transactions with certain nations or individuals who might have an interest in that data.

The protected information includes those involving government-related data and bulk sensitive personal data of individuals that could pose an unacceptable risk to the nation's national security.

The Department of Health and Human Services likewise issued a proposed rule to improve cybersecurity and protect the nation's healthcare system against an increasing number of cyberattacks.

The proposed HHS rule would require health insurers, most healthcare providers and their business partners to improve cybersecurity protections for individuals' information that is protected by the Health Insurance Portability and Accountability Act of 1996.

"The increasing frequency and sophistication of cyberattacks in the healthcare sector pose a direct and significant threat to patient safety," HHS Deputy Secretary Andrea Palm said Friday.

"These attacks endanger patients by exposing vulnerabilities in our healthcare system, degrading patient trust, disrupting patient care, diverting patients and delaying medical procedures."

The proposed rule "is a vital step to ensuring that healthcare providers, patients and communities are not only better prepared to face a cyberattack but are also more secure and resilient," Palm added.

Neuberger estimated the cost to implement improved cybersecurity to thwart attacks by Salt Typhoon and others at $9 billion during the first year and $6 billion for years 2 through 5.

"The cost of not acting is not only high, it also endangers critical infrastructure and patient safety," she said, "and it carries other harmful consequences."

The average cost of a breach in healthcare was $10.1 million in 2023, but the cost is nearing $800 million from a breach of Change Healthcare last year.

Those costs include the costs of recovery and operations and, "frankly, in the cost to Americans' healthcare data and the operations of hospitals affected by it," Neuberger said.

The Federal Communications Commission also has scheduled a Jan. 15 vote on additional proposed rules to combat Salt Typhoon and other hackers.

[skyquest-market-research]

Digital Payment Market: Revolutionizing Transactions in a Digital Era

The digital payment market is undergoing a transformative revolution, spurred by advancements in technology, evolving consumer behaviors, and the global drive toward cashless economies. As highlighted in SkyQuest's detailed report, the Digital Payment Market is set to grow at an unprecedented rate, reshaping the global economic landscape and redefining how transactions are conducted.

The digital payment industry includes a wide array of technologies such as mobile payments, digital wallets, online banking, and point-of-sale (POS) systems. This market has become a pillar of global commerce, with a staggering valuation poised to grow exponentially. With increased smartphone penetration, improved internet connectivity, and the advent of fintech innovations, the market is experiencing unparalleled growth.

Request a Sample of the Report Here: https://www.skyquestt.com/sample-request/digital-payment-market

Key Drivers Behind the Growth

Technological Advancements The integration of blockchain, artificial intelligence (AI), and machine learning (ML) is elevating payment systems to new heights. These technologies are optimizing security protocols, streamlining transactions, and improving user experiences, leading to greater consumer trust.

Proactive Government Initiatives Governments globally are driving cashless economies. Initiatives such as India’s Unified Payments Interface (UPI) and Europe’s PSD2 regulation are facilitating widespread adoption of digital payments by offering regulatory support and infrastructure development.

Evolving Consumer Preferences The pandemic significantly accelerated the shift toward contactless payments due to health concerns. The adoption of digital wallets, QR-code-based payments, and other touchless technologies has become the new norm.

E-commerce Boom The surge in online retail platforms has fueled the need for seamless and secure digital payment options, making these solutions indispensable for both merchants and consumers.

Speak with an Analyst for More Insights:

Market Challenges: Navigating the Roadblocks

While the market's growth trajectory is impressive, challenges remain:

Cybersecurity Threats: The increase in digital transactions has amplified concerns about data breaches and cyberattacks.

Regulatory Hurdles: Diverse regulations across countries complicate global expansion.

Financial Inclusion: Bridging the digital divide remains a critical challenge, particularly in underbanked regions.

Regional Insights: A Global Perspective

North America: Leading the market with widespread adoption of innovative solutions and a tech-savvy population.

Europe: A region emphasizing sustainability and data privacy, Europe is focusing on regulatory frameworks to support digital payment solutions.

Asia-Pacific: The fastest-growing market due to a rising middle class, booming e-commerce, and government-backed digital initiatives.

Latin America & Middle East: Emerging regions witnessing growth through mobile payment adoption and urbanization.

Key Players Shaping the Market

Several prominent players are driving innovation and competition in the digital payment landscape, including:

PayPal Holdings, Inc.

Square, Inc. (Block, Inc.)

Ant Group

Stripe, Inc.

Adyen N.V.

Visa, Inc.

Mastercard Incorporated

These companies are leveraging technologies like biometrics, AI, and blockchain to enhance consumer experiences.

Learn more by accessing SkyQuest's comprehensive report here: https://www.skyquestt.com/report/digital-payment-market

Emerging Trends Transforming Digital Payments

Biometric Authentication Technologies such as facial recognition and fingerprint scanning are gaining traction for secure and convenient transactions.

Cryptocurrency Integration As cryptocurrencies become more mainstream, digital payment systems are increasingly incorporating them into their platforms.

Personalization Through AI AI-powered solutions offer tailored payment experiences, from rewards programs to transaction insights.

Cross-Border Payment Innovations Simplified international payment processes are reducing costs and increasing transaction speed.

The Road Ahead: A Cashless Future

The digital payment market is at the forefront of global commerce, blending cutting-edge technology with user-centric solutions. SkyQuest's report highlights immense opportunities for businesses and governments to harness this evolution. As digital payments continue to grow, the sector will play a pivotal role in driving economic inclusivity, innovation, and efficiency.

[sabpaisa01]

5 Key Features to Look for in a Modern Payment Solution

Today, businesses search for effective, secure, and scalable payment processes in the constantly evolving digital world. Since the demand for the unhindered process of financial transactions is rising, choosing the appropriate payment gateway is becoming increasingly important. Whether you are an entrepreneur or work in a small or large company, a reliable payment solution is necessary to conduct operations without any hitches. When selecting a modern payment solution, there are five factors that one should take into consideration, especially when choosing an Indian payments gateway supplier such as SabPaisa.

1. Seamless Integration with Multiple Payment Methods

Among the central characteristics of a contemporary payment solution is the support for combining several payment options. The best payment gateway in India has supported and facilitated many payment channels, such as credit cards, debit cards, UPI payment gateway integration, etc. This versatility will make it easier for firms to meet diverse customers’ demands in the physical and cyber worlds.

SabPaisa allows the company to seamlessly integrate with widely used digital wallets, bank transfers, and mobile wallets. Thus, the customer can complete this task quickly with appropriate consideration without encountering any technical issues. More importantly, one should understand that the payment solution is versatile, easily adaptable to the business’s specific needs, and compatible with most payment instruments.

Customer Flexibility: Various payment options mean consumers can choose how they wish to be billed.

Scalability: As your business grows, your payment solution should be able to accommodate new payment methods and process more transactions.

Convenience: Ease of access to multiple payment facilities leads to high customer satisfaction and a repeated purchase pattern.

2. Security and Compliance

Due to the escalating cybercrime, security should not be taken for granted when selecting a payment gateway. Select products with strong security features like encryption, tokenisation, and fraud prevention capabilities. A powerful payment gateway for India should comply with international security norms, including PCI DSS (Payment Card Industry Data Security Standard).

SabPaisa has been designed to follow all the rules set out by the RBI in India and ensure no unsafe transactions. It also provides businesses with client fraud detection and prevention methods that protect customer information and your company’s money. Therefore, it is vital to implement a secure UPI payment gateway to prevent fraudulent activities on the platform level.

Encryption: Every piece of information about a private customer has to be protected from the eyes of hackers through encryption.

Tokenisation: This ensures that transaction data is well-secured and passed from one point to another.

Compliance: Ensure your payment gateway is secure within your country and other countries worldwide.

3. User-Friendly Interface

A favorable customer experience is highly dependent upon a good user interface. The payment solution should be intuitive and understandable by customers and merchants. Current payment solutions platforms, such as SabPaisa, aim to simplify the user interface so that online and offline payment tasks are as easy as possible.

For customers, the convenience of sending a payment with a few clicks on mobile or desktop enhances the conversion rate and cart abandonment. A simple backend interface will allow firms to spend less time on these transactions, allowing them to spend more time on business development.

Customer Experience: A good checkout process enhances customer experience and sales conversion.

Business Efficiency: A lean backend lets the companies handle payments without more integration.

Customisation: Select a solution configurable to your business requirements and optimise the payment process.

4. Real-Time Payment Tracking and Reporting

Today’s companies must always be in control of their financial transactions. A real-time payment gateway with robust tracking features and full reporting options will significantly improve cash flow management, trend identification, and business-informed decision-making. Many Indian payment gateway providers, such as SabPaisa, offer dashboards that enable merchants to learn about their payments, customer behavior, and payment trends.

Real-time payment information lets businesses know how much they earn at any given time and quickly cope with potential problems. This functionality can also be seamlessly integrated with accounting software to facilitate financial reporting automatically, allowing businesses to keep records compliantly.

Visibility: Implement real-time tracking of payments and extract knowledge about the number of transactions and customer preferences.

Accuracy: Automating the financial reporting process will yield more accurate and timely results.

Decision Making: Ensure all the information in the reports is incorporated into decision-making to enhance business operations.

5. Global Reach with Local Support

When companies move into international markets, customers must be offered the option of paying via their preferred currency and payment type. Find a payment gateway that handles global payments and local transactions, mainly if you target international customers or operate in different geographies.

A solution such as SabPaisa enables global payment processing while maintaining local compliance with regulatory requirements. This dual capability allows businesses to reach international markets while offering localised payment options that align with the country’s payment preferences, such as a UPI payment gateway for Indian customers.

Cross-Border Transactions: Endorse foreign customers conveniently to facilitate international transactions.

Currency Flexibility: The capability of employing multiple types of currency for users worldwide.

Local Payment Options: Accept country-specific payment options that correspond to the rules of a certain country.

Why SabPaisa Stands out Among Indian Payment Gateway Companies as the Best Payment Gateway in India

When selecting a payment solution, SabPaisa is a promising choice for Indian and foreign businesses. As an RBI-approved Payment Aggregator, it offers enhanced traditional security features, multiple integrated payment options, and real-time transaction tracking. The UPI payment gateway makes it easier for businesses to enable international transactions and allows people in India to make easy, quick, and safe payments.

SabPaisa has advanced mechanisms for fraud prevention and compliance with financial rules and laws worldwide, which helps prevent scams and provide security for your clients and your business. Whether a small-scale enterprise or a large enterprise, SabPaisa will help you with the perfect payment solutions that will adjust to your needs as your company grows.

Final Thoughts

Choosing the right payment solutions for your business is one of the important factors for success in the current market. For any business, irrespective of its size, whether a small e-commerce company or a large corporate house, the payment gateway can be a boon or bane for the company’s running. The characteristics mentioned above—integration, security, easy-to-use, real-time, and geographical position—are all the basic principles of any modern payment system.

SabPaisa is the perfect place to strengthen your payment system. SabPaisa, one of the most prominent payment gateways in India, offers an integrated solution to shift the requirements of businesses around the globe. Please contact us today to learn how SabPaisa can simplify your payment flows and take your business to the next level.

Ready to Take Your Business to the Next Level?

Get started with SabPaisa’s payment solutions today. Integrate an integrated, protected, and distributed payment gateway into your business and improve your customers’ payment experience. Visit SabPaisa now!

FAQs

1. What is the best payment gateway in India?

The best payment gateway in India offers seamless integration of secure transactions and supports various payment methods like UPI, credit/debit cards, and wallets.

2. What is the best payment gateway in India?

A UPI payment gateway enables instant bank-to-bank transactions using mobile devices, providing a quick and secure way to make payments in India.

3. What is the best payment gateway in India?

Look for a payment gateway that offers security, easy integration, diverse payment options, and strong customer support to meet your business needs.

4. Is SabPaisa a secure payment solution?

SabPaisa is an RBI-authorised payment aggregator, ensuring robust security and compliance with all regulatory standards for safe transactions.

[ritscapital]

Amazon Enters Q-Commerce with Tez: Revolutionizing Fast Delivery

In a time when speed and convenience play a crucial role in delivering a product, Amazon India has made a strategic move by launching its Q-Commerce (Quick Commerce) platform, Tez. This shift marks a significant step in the company’s evolution, expanding its already impressive logistics and delivery capabilities to meet the country’s growing demand for ultra-fast delivery services. In this blog, we’ll explore what Q-Commerce is, how Amazon is positioning Tez, and what it means for the future of e-commerce.

What is Q-Commerce?

Q-Commerce, or Quick Commerce, is an emerging segment of the e-commerce industry that focuses on ultra-fast deliveries of goods—typically within a 20 to 30-minute window. Unlike traditional e-commerce, where deliveries might take several days or a few hours, Q-Commerce focuses on instant delivery. The segment has grown significantly in recent years, specifically with the rise of grocery delivery services and other everyday necessities. As consumer expectations for fast deliveries also increase, Q-Commerce has become a key area for growth, with players like Blinkit, Swiggy Instamart, and Zepto already leading the charge. Amazon also has a close eye on this trend.

Why is Amazon entering Q-Commerce with Tez?

Amazon is always focusing on innovations, either becoming a key player in UPI payment with “Amazon Pay” or a leading player in the entertainment industry with “Prime Video“. When it comes to e-commerce, its move into Q-Commerce is a natural progression. With its vast logistical infrastructure, advanced technology, and massive customer base, Amazon has all the resources to effectively tap into this rapidly growing market.

But why is Amazon’s entry into Q-Commerce with Tez significant? Let’s find out.

Rising Demand for Fast Delivery: As more consumers turn to online shopping for everything from groceries to electronics, the need for faster and more reliable delivery options is higher. Tez promises to meet this demand by offering a highly efficient and rapid delivery solution.

Amazon’s Existing Infrastructure: Amazon has already invested a huge amount in its global supply chain, which includes vast warehouses, fulfillment centers, and delivery networks. By leveraging these assets, the company can seamlessly integrate traditional e-commerce and Q-Commerce.

Competition with Emerging Players: While Amazon has long been the leader in online retail, Q-Commerce is a new battleground for them. Companies that have recently started have emerged as tough competitors. By launching Tez, Amazon is positioning itself to compete with these established players and expand its dominance in the fast-delivery space.

Expanding Amazon Fresh: Amazon has been gradually expanding its grocery business for a long time, with Amazon Fresh being a key component of its strategy. Tez could significantly enhance Amazon Fresh’s ability to deliver fresh groceries to customers in a fraction of the time.

What Does Tez Offer?

Tez will bring Amazon’s best-in-class logistics and technology to establish itself in the Q-Commerce market. Some features and offerings we can expect from Tez include:

Dark stores: Tez will rely on strategically placed dark stores close to densely populated areas to ensure that products can be picked, packed, and dispatched within minutes. These stores will focus on high-demand categories like groceries, snacks, and everyday essentials.

Ultra-Fast Delivery: With the core focus on speed, Tez promises to deliver orders within a 30-minute window, offering customers a matchable level of convenience.

Variety of Products: Tez will likely include a broad segment of products, from fresh food to groceries, enabling consumers to make quick purchases across multiple categories.

Seamless Integration with Amazon Ecosystem: As with Amazon’s other services, Tez will integrate smoothly into its existing platform, making it easy for Amazon Prime members and existing customers to access and use the service.

Read More Article:- https://ritscapital.com/blogs/Trending%20Insights/amazon-enters-q-commerce?slug=amazon-enters-q-commerce

[sdg-2030]

Challenges and Opportunities in Achieving SDG Goals in Rural India

India's commitment to the United Nations Sustainable Development Goals (SDGs) underscores its resolve to create a more equitable, sustainable, and prosperous society. However, achieving these goals in rural India, where 65% of the population resides, presents unique challenges and opportunities. Bridging the rural-urban divide is critical to the success of SDG initiatives in rural areas, as this will determine India's progress in achieving the SDGs by 2030. With rural areas forming the backbone of the country, the success of rural development in India is crucial for achieving the SDGs.

SDG Opportunities in Rural Areas

Digital Transformation: UPI and Internet BankingThe introduction of UPI and internet banking has revolutionized financial inclusion in rural areas. Villages are increasingly adopting digital payment systems, reducing reliance on cash and empowering small-scale entrepreneurs. These developments align with goals for decent work and economic growth (SDG 8).

Modern Farming TechniquesSustainable development in rural India can be boosted by introducing modern farming methods such as drip irrigation, precision farming, and organic agriculture. These techniques not only enhance productivity but also contribute to responsible consumption and production (SDG 12).

E-learning and Education TechnologyE-learning platforms and digital classrooms are bridging the educational divide in rural India. Initiatives like the PM e-Vidya scheme provide children with access to quality education and skill development, contributing to SDG 4.

Improved Healthcare SystemsInvestments in telemedicine, mobile healthcare units, and community health initiatives are improving healthcare access in rural areas. These advancements address critical health challenges and help achieve SDG 3.

Employment and Skill Development PoliciesGovernment programs like MGNREGA, Skill India, and Start-Up India are creating job opportunities and fostering entrepreneurship in rural areas. These initiatives drive rural development in India and support SDG goals for reducing inequalities (SDG 10) and promoting economic growth (SDG 8).

Women Empowerment ProgramsEfforts to empower women through self-help groups, education, and vocational training are breaking barriers and driving progress toward gender equality (SDG 5). Empowered women play a crucial role in uplifting rural communities.

Sustainable development in rural areas can be achieved through decentralized planning at the national and state levels, with decision-making powers also granted at the village level, where grassroots needs can be realistically understood. If decentralized planning involves community participation, it will lead to better development of rural areas and communities. This approach will help village panchayats implement development plans. They would create their own development strategies and sustainable environments, realizing collective gains through solidarity and harmonious association. It would also assist them in organizing and reformulating socio-economic and developmental activities, gradually eliminating poverty, improving health conditions, and reducing illiteracy. This would lead to better use of government resources and fulfill development goals in line with the ideas of the 73rd Constitutional Amendment Act (CAA).

SDG Challenges in Rural India

India has not been successful in attaining prioritized socio-economic growth and equitable distribution of welfare for the rural poor. The rural population is basically dependent on agriculture and other connected farm and non-farm activities as their means of livelihood. It is also no denying the fact that the government of India had launched a series of rural development programmes to achieve the UN mandated Sustainable Development Goals (SDGs) with a view to eliminating poverty, illiteracy, etc. targeting the majority of the population. Still there are many reasons why SDGs are lagging behind in India’s rural regions like:

Poverty and Inequality:Rural India is still grappling with significant poverty and income inequality. Many families struggle to access basic necessities such as food, shelter, and clean water, creating barriers to achieving SDG goals like zero hunger (SDG 2) and no poverty (SDG 1).

Education Deficits:Despite progress, access to quality education remains a challenge in rural areas. Inadequate infrastructure, a shortage of qualified teachers, and a lack of digital resources hinder efforts to achieve inclusive and equitable education (SDG 4).

Healthcare Infrastructure:Rural healthcare faces challenges such as insufficient medical facilities, a lack of trained professionals, and limited awareness of preventive care. This affects efforts to ensure good health and well-being (SDG 3).

Environmental Concerns:Unsustainable agricultural practices and deforestation contribute to environmental degradation, affecting SDG goals related to climate action (SDG 13) and life on land (SDG 15).

Gender Inequality:Deep-rooted cultural norms often restrict opportunities for women in rural India, impacting gender equality (SDG 5) and reducing the potential for holistic community development.

While sustainable development in rural India poses challenges, the opportunities to make a transformative impact are immense. Rural SDG initiatives must focus on leveraging technology, fostering public-private partnerships, and promoting community-driven approaches to development. With targeted efforts and innovative solutions, rural India can serve as a model for achieving the SDGs, contributing significantly to a brighter, more sustainable future.

By addressing the challenges and harnessing the opportunities, India can pave the way for an inclusive and resilient society where rural areas thrive alongside urban centers. Achieving the SDG goals in rural India is not just a necessity but a testament to the power of collective progress.Original Source: bit.ly/sdgsagenda For more information