Fintalk Articles

  • Blink, Drink, Sync

    By : Bank Of Baroda
    19 Jul, 2021

    Dear Reader,   Staying hydrated, especially when you travel, can be difficult. With the ‘go, go, go’ attitude of today, it’s easy to fall behind on your aqua intake. Although your water bottle is full to the brim, but somehow the thought of ...

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  • Mobility with BigTechs

    By : Bank of Baroda
    05 Jul, 2021

    Dear Reader, With advancements in vehicle connectivity, software is becoming an increasingly important component of the car. Software developed by automakers has historically been clunky and difficult for drivers and passengers to navigate. In response, BigTech compani...

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  • Table top Wireless Charger

    By : Bank of Baroda
    02 Jul, 2021

    Dear Reader, Your workspace desk is a mess. OK, maybe not your desk specifically, but think about all the things you’ll find in the average workspace. Start with your computer and then there’s a monitor or two (or three?) along with a keyboard and mous...

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  • Psychological wellbeing

    By : Bank Of Baroda
    29 Jun, 2021

    Dear Reader, Health is perhaps the one fortune that matters the most. However, our understanding of what constitutes good health is often quite one-dimensional, focusing primarily on the physical and more often than not, ignoring mental health and well being. Mental he...

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  • AR-Guided Surgery

    By : Bank of Baroda
    25 Jun, 2021

    Dear Reader,   Some of the biggest medical advances of the last few decades have been in diagnostic imaging - ultrasonogaphy, mammography, computerized tomography (CT), magnetic resonance imaging (MRI) and so on. The same forces that have propelled technology...

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  • FoodTech

    By : Bank Of Baroda
    24 Jun, 2021

    Dear Reader,   Within F&B, food service, delivery and management are seeing rapid changes that are heavily affected by technology and has given birth to “Foodtech” which is growing significantly thanks to smartphone penetration, easy/cheap int...

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  • Amazon & Fintech India

    By : Bank of baroda
    23 Jun, 2021

    Dear Reader,  With the use of APIs, it is becoming more and more easier to embed banking services into any online product and for BigTech companies such as Amazon, with their sheer magnitude of active users, it is uncomplicated to leverage and drive higher adoptio...

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  • Agriculture with AI

    By : Bank Of Baroda
    17 Jun, 2021

    Dear Reader, Agriculture plays a vital role in India’s economy and it contributes about 17% to the total GDP. AI can be used in multiple domains of agriculture such as soil analysis, crop sowing, pest control, crop harvesting, weather prediction, crop yield estim...

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  • You can Buy Now, Pay Later

    By : Bank Of Baroda
    16 Jun, 2021

    Dear Reader,   With a surge in online shopping amidst pandemic, “buy now, pay later” (BNPL) schemes are growing in popularity as a delayed payment alternative. BNPL Fintechs allow consumers to purchase items online through flexible instalments wit...

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  • Special Education

    By : Bank of Baroda
    15 Jun, 2021

    Dear Reader,   Educational technology is not a new concept, technology has been widely used in education for decades. Artificial Intelligence is making its presence felt in education through innovative and novel ideas. Nowadays, there are plenty of AI based applic...

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  • AI-Operations (Part 2)

    By : Bank of Baroda
    14 Jun, 2021

    Dear Reader,   In our previous article, we have seen how AI-Operations (AI-Ops) platforms enhance IT functions (monitoring, automation and service desk) with proactive, personal and dynamic insight. These platforms enable the concurrent use of multiple data source...

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  • Smart Rings

    By : Bank Of Baroda
    11 Jun, 2021

    Dear Reader, Maybe you’re not too interested in wearable technology. For you, jewellery is a fashion statement and rings are just a symbol of your love for your spouse. But according to Statista.com, this market will be valued at more than $4 billion this year an...

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  • Intelligent Virtual Assistant (IVA)

    By : Bank Of Baroda
    10 Jun, 2021

    Dear Reader, An intelligent virtual assistant (IVA) or intelligent personal assistant (IPA) is a software agent that can perform tasks or services for an individual based on commands or questions. The term "chatbot" is sometimes used to refer a virtual assistant that i...

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  • Your Digital Stylist

    By : Bank Of Baroda
    09 Jun, 2021

    Dear Reader,   Fashion is one of the most challenging fields, highly impacted by global economic uncertainty as well as distinct trends and industrial changes. In response to the pressure for growth and cost efficiency, many brands have started a series of in...

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  • Disaster Management

    By : Bank Of Baroda
    08 Jun, 2021

    Dear Reader,   We are living in the midst of a revolution. Supervised learning, a branch of Machine learning allows engineers to develop models that can train themselves. In turn, these models are helping solve crisis management problems before disaster strikes.&n...

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  • AI-Operations

    By : Bank Of Baroda
    07 Jun, 2021

    Dear Reader, From Amazon Alexa to Siri, Artificial Intelligence (AI) has gained serious footholds in our personal lives. However, when it comes to IT operations platforms, AI and Machine Learning technologies are still in the nascent stages. Incidentally, the forces o...

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  • Zero Gravity Fridge

    By : Bank of baroda
    04 Jun, 2021

    Dear Reader, Thinking of a household kitchen without a refrigerator in it is almost impossible. Astronauts have been going to space since 1961, and have to eat canned and dried food that have only three years of shelf life as they still don’t have a refrigerator ...

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  • Road Network Management with AI

    By : Bank of Baroda
    03 Jun, 2021

    Dear Reader,   The lack of road safety in India is increasingly becoming a matter of major concern. According to National Crime Records Bureau (NCRB) data, India recorded around 4.3 lakh road accidents in 2019, which took the lives of 1.5 lakh people. Poor road in...

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  • Beauty Trends - 2021

    By : Bank Of Baroda
    02 Jun, 2021

    Dear Reader, The global beauty industry (encompassing skin care, color cosmetics, hair care, fragrances, and personal care) has been shaken by the COVID-19 crisis. With months of lockdown, retail businesses closed and international travel ban, consumer’s purchase...

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  • Social Equality in Tech

    By : Bank of Baroda
    01 Jun, 2021

    Dear Reader,   Why do we prize technology over everything else? Because it helps us solve problems as efficiently as possible. No one can predict from which gender, ethnicity or nationality the next great idea might come from. And the tech startup sector is a livi...

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  • AI-powered Legal Tech.

    By : Bank of Baroda
    31 May, 2021

    From how we buy our groceries to how we conduct banking transactions, almost every aspect of our lives is being disrupted with continuous advancements in technology. Even traditional, not-so-tech-savvy industries like legal services are joining the tech bandwagon. As pe...

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  • Smart Farming

    By : Bank Of Baroda
    28 May, 2021

    Dear Reader,   Smart farming can be referred to as the 4.0 green revolution in the field of agriculture combining agriculture methodologies with technology — Sensors & Actuators, Information and Communication Technology (ICT), Internet of Things (Io...

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  • Automated Forest Restoration

    By : Bank Of Baroda
    27 May, 2021

    Dear Reader,   Forest restoration has the potential to reverse land degradation through restoration or rehabilitation of degraded land. It can be a climate change mitigation strategy, and could provide other co-benefits, including increasing forest productivi...

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  • Data Platformisation - 2

    By : Bank of Baroda
    18 May, 2021

    Dear Reader We have seen how the growing importance of various data sources have led to data platformisation, in our previous article. Data marketplaces have proliferated with the growth of big data, as the amount of data collected by governments, businesses, websites ...

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  • Floating Farms

    By : Bank of Baroda
    14 May, 2021

    Dear Reader, Tap a button on your phone and hop into the shower; walk downstairs 15 minutes later, and you have a fresh pot of coffee waiting for you. This is no longer just a fantasy for many people. The rise of the internet of things has allowed us to contr...

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  • Partnering with Insurtechs

    By : Bank of Baroda
    12 May, 2021

    Dear Reader,   Insurers across the world are adjusting to the new normal of the on-going pandemic, and as a result, there is massive acceleration in digital transformation efforts. For this purpose, Insurers and non-insurance companies alike are bringing on i...

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  • Geospatial Analytics in Insurance

    By : Bank of Baroda
    29 Apr, 2021

    Dear Reader,  Insurance industry is slowly embracing remote property intelligence as a quick, dependable, and cost-effective alternative to relying on estimates based datasets. COVID-19 lockdowns and corresponding physical-distancing protocols have doubl...

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  • Technology for Seniors

    By : Bank of Baroda
    27 Apr, 2021

    Dear Reader,  Currently, there is an unprecedented demographic challenge across the world. The major challenge is due to an increase in the elderly population which is becoming a concern. As a result, people are looking for ways to develop respectful and economica...

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  • AI-driven Architecture

    By : Bank of Baroda
    23 Apr, 2021

    Dear Reader,  The arrival of modern technologies such as artificial intelligence, machine learning, augmented reality, and more in the health and fitness world has brought a remarkable change in this industry. It has changed the way people used to exercise and kee...

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  • Ocean Conservation

    By : Bank of Baroda
    20 Apr, 2021

    Dear Reader, Over the last few decades, plastic has become an essential part of our everyday lives. From grocery bags to toys and bottles, plastic is one of the most used materials to date. However, this material is unfortunately causing a great deal of harm to ocean l...

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  • Contextual Fencing

    By : Bank of Baroda
    07 Apr, 2021

    Dear Reader,  From sending a tailored promotion when a customer enters a retail store to powering order-ahead food delivery, geofencing plays a key role in making mobile apps contextually aware. Geofencing is a location-based service in which an app or o...

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  • Detoxification in Digital World

    By : Bank of Baroda
    05 Apr, 2021

    Dear Reader, Netizens are increasingly becoming aware about the potential misuse of their digital personas with high profile data breaches based on our activities in digital world. Multitude of apps, search engines and social networks can glean hidden things about us t...

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  • AI in Defence sector

    By : Bank of Baroda
    03 Apr, 2021

    Dear Reader,  India holds the 4th rank in terms of the Army strength, with US, Russia and China placed ahead of it. The Indian startups are leveraging technology to come up with innovative solutions for empowering the nation’s defence and security. These sta...

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  • Clearing up Space Debris

    By : Bank of Baroda
    01 Apr, 2021

    Dear Reader,  Various entities are putting more and more satellites into Earth’s orbit every year making it extremely crowded with defunct satellites and debris. Scientists around the world are worried about accidental collisions affecting new space missions...

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  • Tech - Infant Care

    By : Bank of Baroda
    30 Mar, 2021

    Dear Reader, Newborns are at greater risk of illness due to an immature immune system. Babies' immune systems are not as strong as those of adults. Shortly after birth the immune system is weak and susceptible to diseases. It is critical to monitor the vitals. Baby hea...

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  • Sweat Powered Watches

    By : Bank of Baroda
    26 Mar, 2021

    Dear Reader, You have probably heard of solar powered smart watches but what about a sweat powered watch? When people talk about renewable power, sweat isn't exactly something that springs to mind, but it sounds like that this natural  process is actually capable ...

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  • Trending e-commerce

    By : Bank of Baroda
    25 Mar, 2021

    Dear Reader, E - commerce is at an all-time high. Lockdowns, travel bans, and retail closures forced the consumer online.  As countries locked down and retailers were forced to close, ecommerce reached an all-time high of 16.4% of total global retail sales. It&rsq...

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  • Contactless Retailers

    By : Bank of Baroda
    25 Mar, 2021

    Dear Reader, An EY survey among Retail store owners across 12 cities has found that 20 per cent of them had started leveraging online platforms for supply chain needs and delivery during the lockdown.  Easy and quick digital payments such as UPI, digital wallets h...

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  • Data for all –

    By : Bank of Baroda
    23 Mar, 2021

    Dear Reader, Data is king or so they say. Inclusivity for data platforms can be achieved when data reaches all stakeholders without lag or restrictions. Market information disseminated quickly could make the difference between making and losing money in the financial m...

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  • Automated Driving

    By : Bank of Baroda
    19 Mar, 2021

    Dear Reader, Automated driving normally refers to self-driving vehicles or transport systems that move without the intervention of a human driver. These features generally fall into logical groups based on how they combine acceleration, braking and steering. Autonomous...

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  • RegTech

    By : Bank of Baroda
    18 Mar, 2021

    Dear Reader, RegTech is the management of regulatory processes within the financial industry through technology. Regtech automates regulatory processes and ensures compliance with regulations. It uses technology to support the ongoing monitoring of regulations and faci...

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  • Parking Payments

    By : Bank of Baroda
    18 Mar, 2021

    Dear Reader, Increasing adoption of integrated automated solutions coupled with the advancements in wireless technologies are expected to drive the growth of smart parking market. Major technologies used for the deployment of efficient systems include sensing devices, ...

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  • Boosted Living

    By : Bank of Baroda
    17 Mar, 2021

    Dear Reader, We have one life and to live it to its maximum potential it is necessary to be healthy. Heavy workload, pollution, stress, unhealthy lifestyle all take a toll on our immune system. However, awareness has increased in recent times and globally everyone is t...

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  • Technology for a Greener tomorrow

    By : Bank of Baroda
    10 Mar, 2021

    Dear Reader, Climate change is real and it is happening. Observable effects are seen everywhere- glaciers have shrunk, ice on rivers and lakes is breaking up earlier, plant and animal ranges have shifted and trees are flowering sooner. A 2°C increase could mean mor...

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  • Automobile Commerce

    By : Bank of Baroda
    10 Mar, 2021

    Dear Reader,  The auto industry has been facing the heat to move digital more than ever as the pandemic has brought upon new challenges and deepened the need to shift toward digital solutions. Auto dealers have been slow to adopt digital car-buying solutions, but ...

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  • Insuring Privacy

    By : Bank of Baroda
    03 Mar, 2021

    Data is a double edged sword. Leveraging data can provide boost to revenues. However, if not handled carefully it can lead to fines and prohibitions. Data privacy laws are becoming stringent by the day . Leading light for data protection is the European Union’s ...

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  • Smart-Robotics for Education

    By : Bank of Baroda
    01 Mar, 2021

    With the huge potential of robotics getting unlocked every day, even educators are leveraging robotics to improve the quality of education in novel ways, providing hands-on way of teaching important concepts like mathematics and science. Teachers can showcase how simple...

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  • Augmented reality (AR) v/s Virtual reality (VR)

    By : Bank of Baroda
    21 Jan, 2021

    Augmented reality (AR) adds digital elements to a live view often by using the camera on a smartphone. In AR, the user is provided with additional system generated information that enhances their perception of reality, whereas Virtual reality (VR) replaces reality with ...

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  • Chatbots in E- Retail

    By : Bank of Baroda
    20 Jan, 2021

    There’s no doubt that Covid-19 has caused an inflection in e-commerce penetration globally driven by consumers’ need for safety and convenience. Even in India, a significant portion of shopping has moved online, in turn spurring transformation across the ret...

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  • Smart Lending

    By : Bank of Baroda
    19 Jan, 2021

    Big data application and machine learning has enabled the growth of digital lending. Availability of multiple data points ensures better credit assessment of the applicant. AI promises that theoretically it can analyze all of these data sources together to create a cohe...

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  • XaaS (Everything-as-a-Service)

    By : Bank of Baroda
    15 Jan, 2021

    As-a-Service (aaS) has already become the standard to turn into a truly digital-native enterprise. The new pattern in the aaS model is Everything-as-a-Service (XaaS) where services delivered will totally dwell on the cloud with virtual access to nearly everything. Tools...

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  • Automated Driving

    By : Bank of BAroda
    12 Jan, 2021

    Automobile industry is pioneering increased innovation, technology adoption and development of high-performance and fuel-efficient vehicles. The global automotive industry is moving towards stringent passenger safety driven by consumer awareness. Factors such as strict ...

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  • Quantum computing across industries

    By : Bank of Baroda
    11 Jan, 2021

    It has been long foretold that quantum computers would tackle problems which involve an overwhelming number of variables and probable outcomes much quicker than any classical computer. And we are now seeing some of these prophecies taking shape. As per a CB Insights re...

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  • Cloud-native Technologies

    By : Bank of Baroda
    08 Jan, 2021

    Cloud native is a term used to describe container-based environments. Cloud-native technologies are used to develop applications built with services packaged in containers, deployed as microservices and managed on elastic infrastructure through agile DevOps processes an...

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  • Mass Media With AI

    By : Bank of Baroda
    07 Jan, 2021

    The last few years have witnessed a renaissance in media-focused startups. Powered by initiatives like Artificial Intelligence and blockchain, the new breed of companies have sought to answer some of the key issues that have dogged media and publishing companies for the...

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  • Fashion Designing, tech-style!

    By : Bank of Baroda
    06 Jan, 2021

    Every cloud has a silver lining. The pandemic like elsewhere has also inspired new trends in the fashion industry. The latest trends focus more on luxury at home as there aren’t social occasions to dress up for. A "waist-up" focus has been noticed at both Milan a...

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  • Bespoke Medicine

    By : Bank of Baroda
    05 Jan, 2021

    Science and technology are constantly evolving, especially the way we understand disease, develop drugs and recommend treatments. The concept of personalized medicine has emerged with growing advances in genomic and proteomic science over the past decade. Development of...

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  • Analytics 2.0

    By : Bank of Baroda
    04 Jan, 2021

    Over the last decade, visualisation-based data discovery tools have transformed the traditional analytics tools. Additionally, with the introduction of next-gen augmented analytics, organisations are able to generate not only simple forecasting, visualising and clusteri...

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  • Edge AI

    By : Bank of Baroda
    01 Jan, 2021

    Edge AI is a system that uses Machine Learning algorithms to process data generated by a hardware device at the local level. Edge AI eliminates the privacy issue of transmitting millions of data and storing it in the cloud, as well as the bandwidth and latency limitatio...

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  • Water Conservation with IoT

    By : Bank of Baroda
    31 Dec, 2020

    We live in an era of connected world and the development of smart cities is imperative to improve the quality of city-dwellers.  IoT technology holds tremendous potential in water management systems in day to day lives. In smart water-management solutions, IoT is e...

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