Fintalk Articles

  • 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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  • Tech Trends 2021

    By : Bank Of Baroda
    30 Dec, 2020

    Every year, the technology trends seem to emerge more rapidly. But the Covid-19 pandemic has augmented technology growth and uptake like never seen before. The pandemic has forced businesses and individuals alike to adjust to the new normal. During this process, some t...

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  • Tech led Real Estate Management

    By : Bank of Baroda
    29 Dec, 2020

    The real estate sector, like many others, is slowly but surely adapting to the “data-focused” world and making progress in defining use cases for testing artificial intelligence in this field. Indeed, with AI infiltrating every industry, it makes perfect sen...

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  • Banking with Cognition

    By : Bank of Baroda
    28 Dec, 2020

    In the last two years alone, 90% of the world's entire data has been created. With an ever-increasing deluge of information being generated across the globe, traditional algorithm-based systems have been unable to derive maximum value from available data. In order to a...

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  • Emergency Management

    By : Bank of Baroda
    24 Dec, 2020

    Unfortunately, disasters have been a growing phenomenon in the opening decades of the 21st century. Over the last few years the frequency of such global incidents are on rise. However, a slew of startups have emerged in recent years to help enhance communication during ...

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  • Smart Home Trends

    By : Bank of Baroda
    23 Dec, 2020

    The Covid-19 pandemic is prompting people to spend more time in their homes, leading them to reconsider what a home can and should do. The market for smart home devices was a dynamic one even before the pandemic. According to the IDC’s ‘Worldwide Quarterly S...

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  • Water Conservation through Tech

    By : Bank of Baroda
    22 Dec, 2020

    Water is a very important ingredient to sustain life. Most of the evolution theories state that life started with water. When we look at other planets far away from earth , we are always looking for water as a sign of life. Water constitutes 70% of human body. It is vi...

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  • Cybersecurity Mesh

    By : Bank of Baroda
    18 Dec, 2020

    A Cybersecurity Mesh involves designing and implementing an IT security infrastructure that does not focus on building a single ‘perimeter’ around all devices or nodes of an IT network, but instead establishes smaller, individual perimeters around each acces...

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  • AI-based Retail Traffic Counters (ARTCs)

    By : Bank of Baroda
    17 Dec, 2020

    The process of counting store traffic has rapidly evolved over the past few years. ARTCs are AI-integrated cameras that accurately count the store traffic. Usually installed at the store entrance, ARTCs map the headcount of people walking in a store and automatically ca...

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  • Genetics startup

    By : Bank of Baroda
    16 Dec, 2020

    A gene is the basic physical and functional unit of heredity. Genes and DNA hold the key to the future applications of genetic testing for early detection and prevention of oncology and genetic diseases. World Genetic Testing Market is projected to surpass USD 22 billi...

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  • Auditing with Tech

    By : Bank of Baroda
    14 Dec, 2020

    Technology has been transforming innumerable sectors. After years of reliance on manual statistical methods like random sampling, financial audit can be considered to be the latest addition to this list. As per Forbes Insights survey, 58 percent of respondents believe t...

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  • Mixed Reality

    By : Bank of Baroda
    11 Dec, 2020

    Mixed reality symbolizes the controlled collision of AR(Augmented Reality) / VR (Virtual Reality) and IoT trends. It is the merging of Real and Virtual worlds to develop new visualizations and environments in which both digital and physical objects and their data can co...

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  • Digital Biomarkers

    By : Bank of Baroda
    09 Dec, 2020

    The surge in usage and attractiveness of connected digital devices and health-related mobile apps has created an innovative set of huge, varied and complex data sets known as “digital biomarkers.” These are defined as objective, reckonable, physiological and...

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  • AI for the less-abled

    By : Bank of Baroda
    04 Dec, 2020

    Artificial Intelligence (AI) is increasingly being used in processes that directly impacts people’s lives. Technology has been opening doors for individuals with disabilities, from motorized scooters to hearing aids. Disabilities, whether related to vision, hearin...

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  • Money Manager in Wallet

    By : Bank of Baroda
    03 Dec, 2020

    Managing your money isn’t the easiest thing to do. In the present times, manual tracking of account balances, expenses have ceased to exist especially amongst the younger generation. Personal finance apps can connect with your bank account and help you keep track ...

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  • Mobility as a Service

    By : Bank of Baroda
    27 Nov, 2020

    Mobility-as-a-Service (MaaS) is a type of service that enables users to plan, book and pay for multiple modes of travel services through a joint digital channel.  This is enabled by combining transportation services from public and private transportation providers ...

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  • Computing, with affection

    By : Bank of Baroda
    26 Nov, 2020

    It is generally considered that the increasing usage of tech-enabled devices is often responsible for depriving emotional interactions among human beings. Considering the pivotal role of emotions in our lives, several firms are trying to make their products emotionally ...

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  • Protecting the Connected Vehicles

    By : Bank of Baroda
    25 Nov, 2020

    Connected cars are slowly becoming mainstream with the software and electronic component market for these vehicles projected to grow from $238 billion to $469 billion between 2020 and 2030, as per a report by McKinsey & Company. These vehicles are vulnerable and nee...

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  • New age Entertainment

    By : Bank Of Baroda
    24 Nov, 2020

    Technology has revolutionised the music industry and the way we interact with it on a daily basis. From the way music is created to daily insights about your song’s popularity, tech has disrupted music and is bringing new benefits to musicians and listeners. Audi...

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  • Fighting fakes with AI

    By : Bank of Baroda
    23 Nov, 2020

    In our previous article, we discussed how technology is being used across organisations to spot counterfeits. In this context, specialised technologies like AI are being increasingly used to identify counterfeits. As online retailers and marketplaces are proactively ad...

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  • Education in Local Languages with AI

    By : Bank of Baroda
    20 Nov, 2020

    The first wave of edtech companies saw players focused on engaging students and young learners with memorable experiences through smartphones where English remained the major medium of instruction. However, a large section of students, who were not comfortable with Eng...

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  • AI in Medical Imaging

    By : Bank of Baroda
    19 Nov, 2020

    One of the areas where artificial intelligence is emerging as a valuable tool is radiology. Anytime a patient breaks a bone, sprains an ankle or suffers head injuries, the radiology industry gets into action using x-rays, CT scanners, MRI machines and other tools and te...

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  • Decrypting data

    By : Bank of Baroada
    17 Nov, 2020

    Business’ today generate vast amounts of data. All data has patterns that can provide valuable insights. Machine learning startups are taking on many of business’ most significant challenges to make sense of their data. Machine learning is being deployed for...

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  • ITOA (IT operations analytics)

    By : Bank of Baroda
    13 Nov, 2020

    IT Operations Analytics (ITOA) is used to monitor systems and collect, process, analyze and infer data from multiple sources of IT operations to assist users in decision-making and identifying potential threats. Operation analytics has become a strategic priority for or...

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  • Real estate and AI

    By : Bank Of Baroda
    12 Nov, 2020

    The real estate market in India is currently witnessing a steady rise in integration of technology and tech-enabled innovations that are further contributing to its growth. One of the most prominent developments is that of home automation, the perfect mix of technology ...

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  • Unbundling the University

    By : Bank of Baroda
    11 Nov, 2020

    Universities are facing new competition from start-ups, even before the pandemic. Start-ups have been targeting the traditional university from degrees to hostel living to job placement and more. According to data from RedSeer, India’s total addressable markets fo...

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  • Yoga and AI

    By : Bank of Baroda
    10 Nov, 2020

    Artificial Intelligence is influencing multiple aspects of human life. The technology has touched almost every industry be it the medical application, mobility, healthcare or retail. And now, AI has made its way to the fitness industry. Generally, when it comes to fitn...

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  • Fighting Fakes with Tech

    By : Bank of Baroda
    09 Nov, 2020

    Thanks to exponential growth in internet connections, shopping online has become the trend. As per Statista, the market value of the e-commerce industry in India is estimated to grow from 50 billion USD in 2018 to 200 billion USD by 2027. However, as e-commerce grows, t...

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  • Data Science

    By : Bank of Baroda
    06 Nov, 2020

    Data science is a "concept to unify statistics, data analysis and their related methods" in order to "understand and analyze actual phenomena" with data. It uses techniques and theories drawn from many fields within the context of mathematics, statistics, computer scien...

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  • Algorithmic Trading

    By : Bank of Baroda
    05 Nov, 2020

    Generally, humans carry out analysis of companies, sectors, businesses, prices and other data and then decide when to buy or sell a stock. But this data can be automatically analysed by a computer as well. In Algo or Algorithmic, a set of rules/instructions are given to...

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  • AI future for construction

    By : Bank Of Baroda
    04 Nov, 2020

    Artificial intelligence (AI) has become all but an inevitability for the vast majority of industries and construction is no different. From optimizing work schedules to improving workplace safety to keeping a secure watch on construction facilities, AI in the constructi...

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