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UPI bullets

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UPI stands for Unified Payments Interface. The interface is built by NPCI (National Payments Corporation of India). UPI is extension of IMPS (Immediate Payment Service) framework built by NPCI. User can transfer & receive money 24x7, 365 days. User has to download and register on an UPI app & create an unique Virtual Address to transfer & receive money to & from a bank account. An user can create multiple Virtual Addresses depending on the UPI based apps he/she is using. User can set a default account for paying & a default account for receiving the money linked to a particular Virtual Address. Its a safe framework to make payments, involves 2 factor authentication. User has to create an UPI pin to start using any UPI app. Only NPCI accesses user's UPI pin, so feel safe as none of the app creators would be able to access it. No need for a seperate e-wallet, now your bank account can act as an e-wallet. Only PSP (Payment Service Provider) ba...
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Future of Banking! 9 Trends

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Today fintech & banking industry is more disruptive then any other, let's see what are the most alluring & a bit beguiling trends that the industry is going to follow/following: Blockchain Technically could be compared to singly linked list with rear node pointers. Blockchain could be referred to as a database tech or concept inheriting from distributed computing or distributed database, it was first devised for Bitcoin. Blockchain could be used to support infinitely growing list of records, each record called as block. Somewhat like a node in a linked list, each block contains timestamp data & address to previous block. Blockchain could have applications into areas like global supply chains, financial transactions, asset ledgers, decentralized social networking & healthcare & medical records. It would be a highly hectic process (not possible in quite some cases) to change the data of a recorded block. A geeky application of blockchain into human life co...
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TRIZ... What is it?

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Acronym TRIZ means  theory of inventive problem solving .. Wondering how it becomes TRIZ & not TIPS (English Acronym).. TRIZ stands for  teoriya resheniya izobretatelskikh zadach  (as in Uzbek) is a problem-solving, analysis and forecasting tool derived from the study of patterns of invention in the global patent literature. Why in Uzbek? because it was developed by the Soviet inventor and science-fiction author Genrich Altshuller, born in Tashkent, Uzbek SSR, USSR. Following Altshuller's insight, the theory developed on a foundation of extensive research covering hundreds of thousands of inventions across many different fields to produce a theory which defines generalisable patterns in the nature of inventive solutions and the distinguishing characteristics of the problems that these inventions have overcome. Since, I am working over some solutions for some problems & may be some of them could be patented; as I came across TRIZ.. I foun...
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