Apnakhata Labs Pvt Ltd

Interesting quotes on AI-ML from experts
Having GenAI skills, he said, is like having online search skills 20 years ago. “If you knew how to Google in 2003, 2004, you were very far ahead of everyone else because you had access to information. And I think we're at that point with AI right now — that you have to know how to use it.

“And unfortunately, the schools are failing because they see it as a cheating utensil, and it doesn't have to be. There can be so much more.”
Source: Heather Joslyn, editor-in-chief, TNS (The New Stack) https://thenewstack.io/

“The best way to think about an AI agent is as a digital twin of an employee with a clear role.”
— Janakiram MSV, on AI Agents: A Comprehensive Introduction for Developers. https://thenewstack.io/ai-agents-a-comprehensive-introduction-for-developers/

AI Agents: A Comprehensive Introduction for Developers To help developers understand and use AI agents, we map it out based on the premise that agents are like the digital twins of employees.

2 Senior Project Managers available on Hourly Contract basis for
- Multi-national Software Companies
- Multi-national Product Companies
- SMEs, Startups, Entrepreneurs
Can dedicate 1 to 2 hours per day to
- conduct standup meetings Mon-Fri
- review progress of work by developers and testers
- update JIRA or any project management tool
- participate in weekly review calls at customer's convenient time.
- avoid crisis situations in projects through proper planning and ex*****on
Total Hours per month: 20 to 40 hours
Fixed Rate per hour: Rs 3000/hr (very senior), Rs 2500/hr (senior) If this matches your need, write to [email protected], +91 9481851276

NPCI has provided a 2 digit bank code to enable use of USSD Mobile Banking from any GSM phone.
*99*41 # - for SBI
*99*42 # - for PNB
*99*43 # - for HDFC
*99*44 # - for ICICI
*99*45 # - for Axis Bank
*99*46 # - for Canara Bank
*99*47 # - for Bank of India
*99*48 # - for Bank of Baroda
*99*49 # - for IDBI
*99*50 # - for Union Bank of India

*99*51 # - for Central Bank of India
*99*52 # - for IOB
*99*53 # - for Oriental Bank of Commerce
*99*54 # - for Allahabad Bank
*99*55 # - for Syndicate Bank
*99*56 # - for UCO Bank
*99*57 # - for Corporation Bank
*99*58 # - for Indian Bank
*99*59 # - for Andhra Bank
*99*60 # - for State Bank of Hyderabad

*99*61 # - for Bank of Maharashtra
*99*62 # - for State Bank of Patiala
*99*63 # - for United Bank of India
*99*64 # - for Vijaya Bank
*99*65 # - for Dena Bank
*99*66 # - for YES Bank
*99*67 # - for State Bank of Travancore
*99*68 # - for Kotak Bank
*99*69 # - for Indus Ind Bank
*99*70 # - for State Bank of Bikaner and Jaipur

*99*71 # - for Punjab and Sind Bank
*99*72 # - for Federal Bank
*99*73 # - for State Bank of Mysore
*99*74 # - for South Indian Bank
*99*75 # - for Karur Vysya Bank
*99*76 # - for Karnataka Bank
*99*77 # - for TMB - Tamilnadu Mercantile Bank
*99*78 # - for DCB - Development Credit Bank
*99*79 # - for Ratnakar Bank
*99*80 # - for Nainital Bank

*99*81 # - for Janata Sahakari Bank
*99*82 # - for Mehsana Urban Co-op Bank
*99*83 # - for NKGSB
*99*84 # - for Saraswat Bank

http://techstory.in/mobikwik-icici-05272015/
Should you really visit a branch to add Cash to MobiKwik Wallet or Paytm Wallet? Perhaps a simple SMS Banking command can suffice. However, this is a step in the right direction.

Now Add Cash To MobiKwik Wallet At Any ICICI Bank Branch - TechStory In a first-of-its-kind partnership, MobiKwik ties up with ICICI Bank. Now for the first time in the country users can add cash to the

Mastercard has shown the way by releasing APIs so that third-party companies such as SangamOne and ApnaKhata can come out with different applications surrounding Mobile Technology. Soon all progressive banks will release service specific APIs by working closely with their Core Banking, NetBanking and other Back-end partners. Once the APIs are released, then customers can come inside the bank through various vehicles and channels. The SMS Banking commands published openly in Bank Websites is the first example of an API set released by Banks many years back. Soon, more services will follow. Welcome to the age of APIs and Connected Services

http://www.programmableweb.com/news/mastercard-places-api-helps-build-location-driven-apps/2015/03/25

Team: Free Tx reduced from 5 to 3 in 6 cities from November 1, 2014.
If you are doing 10 transactions in a month across different ATMs, then you will be paying a cool Rs 140 to your bank. Use ApnaKhata and avoid going to the ATM at all.
-CS

Frequent withdrawal of cash from ATMs or automated teller machines will become expensive from November, with the Reserve Bank of India (RBI) imposing a limit of three free transactions per month from ATMs of other banks and five from the same bank in metropolitan cities.

A customer will be required to pay a fee of up to Rs. 20 for using ATMs beyond the permitted numbers of transactions in Delhi, Mumbai, Chennai, Bangalore, Kolkata and Hyderabad.

"The number of mandatory free ATM transactions for savings bank account customers at other banks' ATMs is reduced from the present 5 to 3 transactions per month (inclusive of both financial and non-financial transactions) for transactions done at the ATMs located in 6 metro centres," RBI said in a notification.

With regard to own bank ATMs, RBI said that banks will have to permit at least five free transactions per month (both financial and non-financial).

ApnaKhata is live in Apple App Store and Windows Phone App Store as on 31May2014. ApnaKhata Labs is the first company in the world to create a third party paid app to provide Mobile Banking short-cuts to 2100 banks across 184 countries supporting J2ME, Android, Apple iOS and Windows. Contact [email protected] for Dealer Enquiries and J2ME downloads. ApnaKhata - Banking Simplified

https://itunes.apple.com/us/app/apnakhata/id875730751?mt=8

http://www.windowsphone.com/en-gb/store/app/apnakhata/5ab84873-c230-4a16-85af-202ebb93cf48

Diebold Deploys First ATM Without Card Reader Or Pin Pad
DFCU is piloting the world's first ATM without a card reader or PIN pad that relies solely on mobile authentication. When a consumer scans a unique QR code at the ATM using a smartphone, the ATM authenticates the user via cloud-hosted services to enable secure, cardless transactions. With no card or PIN required, the solution eliminates the threats of card skimming and shoulder surfing at the ATM. Diebold and white-label mobile wallet provider Paydiant developed the cross-channel solutions and hold complementary patents on the technologies.

Additionally, the integration of the ATM with the Mobile Cash Access (MCA) solution allows consumers to pre-stage cash withdrawals on their smartphones. At the ATM, consumers authenticate themselves, and the ATM dispenses the preselected amount of cash. The MCA offering also allows financial institutions to provide a secure, institution-branded mobile wallet solution without installing additional hardware on ATMs or point-of-sale (POS) terminals.

Considering Millennials' familiarity with mobile devices, Diebold's ATM interface features similar navigation and touch gestures, such as flick and drag. The ATM is also paperless, delivering receipts via the mobile wallet application.

"To develop the Millennial-inspired ATM, we studied the digital and social habits of today's younger generation," said Frank Natoli Jr., chief innovation officer, Diebold. "The research led us to choose mobile devices for both the user interface and the authentication vehicle to ensure seamless connectivity between devices. Adding mobile wallet capabilities further capitalizes on the mobile mentality of Millennials. Together, the technologies provide a glimpse of the future of self-service banking for today's connected consumers


ApnaKhata Point of View - "With such ATMs in place, ApnaKhata will soon have a new service called "Withdraw Cash". An OTP will by SMS and you can use the same at any ATM to withdraw cash. We are working with some banks to create Cash Merchants where money can be given by a roadside shopkeeper instead of an ATM - ApnaKhata - Banking Simplified"

ApnaKhata tested successfully on Nokia X Dual SIM phones Google Play not available on Nokia X. Nothing special about this phone, dual SIM, speed ordinary has lot of free factory shipped games......ApnaKhata universal mobile banking app will soon be available on Nokia Stores. Banking Simplified.

Forgot your Net Banking Password ?
Can't remember SMS Syntax ?
Can't remember the Number to send the SMS ?
Do you call up JustDial to find Bank's Call Centre ?
Do you spend on an auto/taxi to go to the nearest branch ?
Do you feel frustrated just to get some basic banking done ?
Have you kept some money in different banks more than a year back but forgotten how much you have ?

https://play.google.com/store/apps/details?id=com.apna.khata
Download "ApnaKhata Free" at no cost. - Banking Simplified !!!

ApnaKhata - Android Apps on Google Play ApnaKhata is a universal mobile banking platform to enable customers to perform day-to-day transactions without the trouble of remembering multiple passwords, codes, s...

Extract from Report of Technical Committee of RBI on Mobile Banking - Page 6, 21b. " In the case of SMS access channel, while it is available to all users (with all types of handsets) for conducting mobile banking transactions, the channel is not secure end-to-end and hence there are limits on the amounts that can be transferred using this channel without encryption. Further, the SMS also gets stored in the ‘sent items’ of handset, including the confidential M-PIN. The customer also needs to know the syntax for doing any transaction through SMS." ApnaKhata solves the last 2 problems. It does not store any credentials in sent items User need not know syntax of any command of any bank of any country. ApnaKhata for Android is available in English, Hindi, Marathi and Kannada - Banking Simplified.