Fintalk Articles

  • 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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  • Working Capital, powered by Tech

    By : Bank of Baroda
    03 Nov, 2020

    Working capital is the lifeline of businesses, with a potential to release around € 1.4 trillion cash globally from their balance sheet by managing working capital more efficiently, as per PwC’s working capital report “Bridging the gap”. However, ...

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  • Logistics-Tech

    By : Bank of Baroda
    29 Oct, 2020

    Distances no longer serve as a barrier for humans to achieve their dreams, thanks to 24×7 connectivity in most places around the world. The potential of the industry for small, big and medium tech giants is large as there is a big change in transportation, ecommer...

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  • Big Data and augmented analytics

    By : Bank of Baroda
    23 Oct, 2020

    Augmented analytics is the use of enabling technologies such as machine learning and AI to assist with data preparation, exploration and analysis in BI platforms. Augmented analytics integrate AI elements into the analytics and BI process to help users prepare their da...

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  • FoodTech

    By : Bank of Baroda
    22 Oct, 2020

    Evolving customer expectations have made the F&B space one of the most exciting sectors in India. Within F&B, food service, delivery and management are seeing rapid changes that are heavily affected by technology and has given birth to “Foodtech” whi...

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  • Software Testing, Reimagined

    By : Bank of Baroda
    21 Oct, 2020

    Technology companies are leveraging innovative methods like crowdsourcing to overcome drawbacks of traditional software testing methods. Crowd-sourced testing is an emerging trend in software testing where the testing is carried out by a number of different testers from...

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  • AI-powered Mining

    By : Bank of Baroda
    19 Oct, 2020

    In India, mining industry contributes around 10 to 11 percent of the industrial sector’s GDP, which is close to $106 billion. Though the mining industry is hugely profitable, it faces multiple challenges around power, infrastructure, health, safety, capital, commo...

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  • Digital ecosystem

    By : Bank of Baroda
    16 Oct, 2020

    A digital ecosystem is a group of interconnected information technology resources that can function as a unit. Digital ecosystems are made up of suppliers, customers, trading partners, applications, third-party data service providers and  respec...

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  • Tech Fashion Designing

    By : Bank of Baroda
    15 Oct, 2020

    The pandemic like everywhere else 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 and London Fashion Weeks, wit...

    Know More
  • e-Sports, powered by Blockchain

    By : Bank of Baroda
    13 Oct, 2020

    Gaming market is turning heads as it is exponentially growing over several decades. Dominated by major gaming players like Valve Corporation, Riot Games and ActivisionBlizzard, the industry is projected to grow from $116 billion in revenues in 2017 to $143 billion by ne...

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  • Clean-Tech

    By : Bank of Baroda
    08 Oct, 2020

    Clean technology (clean tech) is a general term used to describe products, processes or services that reduce waste and energy consumption. Rising urbanization, the effects of climate change and depleting non-renewable resources are continuously driving the need for clea...

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  • School amongst pandemic

    By : Bank of Baroda
    07 Oct, 2020

    As per the Unlock 5.0 guidelines, schools, colleges and other educational institutions in India can also open outside the control zone after October 15. However, the decision on whether to reopen educational institutions rests with states/union territories. In the US, N...

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  • Cyber Security through Deception Tech

    By : Bank of baroda
    05 Oct, 2020

    Deception Technology is a novel approach to cybersecurity that is designed to prevent a cybercriminal from infiltrating a computer network. It beats malware at its own game by deceiving it to defend the enterprise against it. As per Gartner, 10 percent of enterprises a...

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  • eSIM (embedded SIM)

    By : Bank of baroda
    01 Oct, 2020

    The term "eSIM" simply means an embedded SIM card. There are no physical SIM cards involved and no physical swapping required. eSIM is supported by the network or carrier and enabled by them. An eSIM is basically a small chip inside your phone and works in a similar wa...

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  • Facial Recognition in Healthcare

    By : Bank of Baroda
    30 Sep, 2020

    Facial recognition technology has improved vastly over the last decade with advances in artificial intelligence. At the same time, the technology has also come under fire for its role in privacy violations.  According to Statista, the facial recognition market was...

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  • Measuring Happiness through AI

    By : Bank of Baroda
    29 Sep, 2020

    In business, satisfaction of workers is being recognised to be a crucial parameter to build better organisations. Unhappy workers don’t stay long at their jobs, provide poor customer service and tend to be less productive. The Pew Research Center found that 47% o...

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  • Energy Trading v2.0

    By : Bank of baroda
    28 Sep, 2020

    Energy is omnipresent. Think of any engine or machine, it requires energy to manufacture and to function — right from phones and computers, to the lights and appliances at home. With rising living standards and a growing number of consumers enjoying the fruits of ...

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  • Artsy Robots

    By : Bank of Baroda
    24 Sep, 2020

    In today’s ever-changing digital universe, robots are expanding their reach through creative pursuits like computer-aided performance arts, kinetic sculptures and automated installations. More advanced robots are even using deep learning, artificial intelligence, ...

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