National Payments Corporation of India (NPCI) - Empowering India's Digital Payments System

We all know that the India is on the road to Digitization. In this digital era, we have an opportunity to change lives of billions of people, which was hard to imagine a couple of decades back. 

India is rapidly evolving into a digital giant. Rising smartphones penetration & internet access have set that Indian consumers stay connected. This is also reflected in the growth of digital banking payments. But do we know who is working in the background to make all this possible? Here I am introducing National Payments Corporation of India(NPCI), which represents the umbrella organization for all retail payments system in India.

Recently I was invited by NPCI for a Bloggers meet along with some renowned bloggers from Mumbai. The meet was aimed at a knowledge sharing session on current evolutions & ongoing trends in digital payment industry & how NPCI is helping India to become a Cashless country. This post will cover the introduction of NPCI & it's products which are used in the digital payment industry.

National Payments Corporation of India(NPCI):  

It was set up with the guidance and support of the Reserve Bank of India (RBI) and Indian Banks’ Association. NPCI received the Certificate of Commencement of Business in April 2009. NPCI has 10 promoter banks. With the vision of globally the best payments network system, NPCI has understood the need of different requirements of the different mediums presents in the various digital transactions with the host of services and products that NPCI provides:  

RuPay:

RuPay is an Indian domestic card scheme conceived & launched by the National Payments Corporation of India (NPCI). It covers three types of debit cards, credit cards, and prepaid cards. That offers worldwide access to all payment structures, issued by almost all major banks and accepted across all major PoS and online merchants in the nation. 

Unified Payments Interface (UPI): 

Unified Payments Interface (UPI) is an instant payment system developed by the National Payments Corporation of India (NPCI). Now the cash transactions can be done in just a minute task with UPI. Download the UPI app on your mobile and if your mobile number is connected through your bank account, you're  good to access multiple bank features, access merging into a single mobile application.

Bharat Interface for Money (BHIM):  

BHIM provides you all year 24*7 access to send/collect any payments in simplest and secure ways. It allows the direct bank to bank account transfer using mobile number/ UPI ID / Aadhaar number/bank account number and IFSC code.

Unstructured Supplementary Service Data (USSD) (*99#): 

What if you don’t have internet access? Don’t worry, Just dial *99# from your mobile and transaction-related instructions menu will display on your mobile to use all banking services without internet. This feature is accessible through any GSM Telecom operator.It supports 12 regional language options including the English & Hindi for every common people across the nation. 

BHIM Aadhaar: 

A virtual extension of BHIM, this mobile application grants merchant to accept payments for their products and services by just verifying the customer’s biometrics. After scanning customers fingerprint the money gets debited instant from the customer’s bank account to merchant’s bank account.

I was completely surprised to see the work, which is being done under the umbrella of NPCI.

With the help of NPCI & its initiatives, India is all set to witness a massive growth in the adoption of digital payments in the coming years. It will eventually support transparency, becoming an indirect check on the presence of black money in the market, and thereby increasing the contribution to the country’s GDP.

Regen Hair Vitalizer - Product Review

We all love our long beautiful hair. No wonder how many new hair experiments we attempt every now and then to look even more beautiful, we curl them, straighten them and colors them using countless chemicals and heat tools, all these trials make you look beautiful for that time but what about the later after hair damages and other hair problems? I straightened my hair last year for my sister’s wedding and this has now begun to a lot of hair loss, dandruff, and itchiness like issues.

Regen Hair Vitalizer lotion has clinical examined, one hundred present herbals based products that claim to fight for your hair fall issues and helps to increase the hair volume. All Regen products have results of decades of research, testing, and study, that allows delivering the best quality hair care product range.

Packaging

Ingredients list:

Bhringraj: Bhringraj has a methanol extract that believed to promote hair growth and to maintain hair quality.

Amla: The Indian gooseberry, rich in vitamin C and iron. Prevents hair problem.

Tulsi: Tulsi is a ‘queens of herbal’ it contains vitamin A, Vitamin C, Vitamin K, Vitamin E that restores natural shines of hair and promotes hair growth.

Price

Rs. 875/- for 250ml.

Shelf Life: 36 months

Direction to Use:

Wash and dry your scalp completely.

Comb gently and part your hair into 2 sides.

Spray Regen hair vitalizer close to the hair roots and massage gently with your fingertips for about 2-3 min.

Leave it for overnight.

Use 4 to 5 times in a week recommended (by experts)

For best results avoid using any other hair growth products while treating your hair with Regen.

 My verdict after using Regen Hair Vitalizer for one month 

Regen Hair Vitalizer lotion comes in a beautiful transparent spray bottle with a white color aerosol cape. Because of this spray top, application of the product becomes smoother and easier.

It has very light texture and doesn’t feel greasy on hair. 100% herbal ingredients used that helps to lower hair fall, enhance hair growth and nourishes your hair from roots.  

Keeps your scalp cool.

Prevents from premature graying hair. Specially formulated with high-quality natural ingredients to achieve strong, healthy and luxurious hair growth. 

Benefits are evidently going to come within a few cycles of regular usage and they would depend on your case. Hence, people with serious issues with their hair would require more time to get better*.

Overall, I would give these products a 5/5 thumbs up as they are what they recommend and put forward. The best part of the regen product that is 100% chemical free and natural, thus no chance of any harmful side effects.  I recommend it to my readers and followers and hope that it will be beneficial for them as well.

You can buy Regen product here: https://www.regenherbal.com/ 

Lever of Transformation in Legal Technology

Legaltech is the use of modern technologies to help the Lawyers as well as clients. It makes dealing with otherwise tedious law procedures simple.

How its useful For Clients

From shoes to grocery; we prefer everything to be done through the internet these days. One of the biggest reasons being, it is time-saving and cheap. What if getting a legal advice online is easier and cheaper than ordering Pizza? 

 

With various start-ups choosing to step in the game with online services, it is becoming easier for a legal noob to understand the law behind Government policies. Many firms are going online which offer you a free legal advice from not only an automated bot but many firms are also offering free first call, restricted to a limited number of minutes. Even if they ask for payment, it is far lesser compared to traditional methods.

The most important tip for using online legal services is to understand the type of service you need. Before choosing a firm and specific lawyer, you need to identify the domain you need help in. Indian start-ups like LegalRaasta provide online guidance with almost all the types of legal difficulties. They even cover detailed blogs about important laws and help you understand newly introduced legislations for free.

How its useful For Lawyers 

Technological advancements are been used by the lawyers to not only maintain but also analyze the piles and piles of records. Programs created using AI (Artificial Intelligence) is being used as a substitute to paralegals. AI has the ability to process multiple pages at once and develop conclusions; these programs have the ability of decision making using analytical and logical thinking.

Database sorting technology is being used for library management of the entire clientele information hoarded in the firm.

Recently in India, paperless cases were initiated by the Chief Justice of India J.S. Khehar when he referred a digital copy of the records instead of paper files. It won’t be forced, he claimed: “at the first instance, only fresh matters listed in the first five courts will be accessed by the judges digitally on an interactive display device.” All the high courts in the country have already been provided with IDs and process of creating digital files has started. 

Assisting clients from distance has become so easy with the satellite offices and Virtual Law Firms. Any client and attorney from any part of the nation they may access the Internet can directly connect each other with their websites or through legal portals. On these portals, both attorneys & clients are requested to register with a user name & password to secure their personal sections, communications, emails, download or upload documents and get connected to the internet anytime. E-lawyering is the most convenient way to connect with top lawyers and get experts advice. On the return lawyers running a virtual law office will have more flexible working hours and be able to serve larger clients over the internet. 

Scientists are also building ‘Robot Judges’ which when tested, proved competent enough to predict the accurate result of 79 percentages of cases. It is made simply with the intention of assisting judges, not replacing them.