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ಡಿಜಿಟಲೀಕರಣದಿಂದ ಷೇರು ಮಾರುಕಟ್ಟೆ ಹೂಡಿಕೆದಾರರಿಗೆ ಉಪಯುಕ್ತ

Posted on May 28, 2020 by City Today News (City today.media)

ಬೆಂಗಳೂರು: ಚಿಕ್ಕ ವಯಸ್ಸಿನಲ್ಲಿಯೇ ವ್ಯಾಪಾರವು ಒಂದು ಪ್ರಮುಖ ಪ್ರಯತ್ನವಾಗಿದೆ ಕಾರಣ ಹಣಕಾಸಿನ ಶಿಸ್ತು ಮತ್ತು ಸಾಕಷ್ಟು ಉಳಿತಾಯವನ್ನು ತರುತ್ತದೆ. ಭವಿಷ್ಯದ ಅನಿಶ್ಚಿತತೆಗಳಿಗೆ ಒಬ್ಬರು ಸಿದ್ಧರಾಗುತ್ತಾರೆ. ಡೊಮೇನ್‌ನಲ್ಲಿ ಡಿಜಿಟಲೀಕರಣದ ಹೆಚ್ಚುತ್ತಿರುವ ಒಳಹರಿವಿನೊಂದಿಗೆ ಯುವ ಪೀಳಿಗೆಯವರು ಈ ಹಿಂದೆ ಷೇರು ಮಾರುಕಟ್ಟೆಗಳ ಹೂಡಿಕೆಯಿಂದ ದೂರವಿರುತ್ತಿದ್ದರೆ ಹೆಚ್ಚು ಸಹಸ್ರವರ್ಷ ಹೂಡಿಕೆದಾರರು ಷೇರು ಮಾರುಕಟ್ಟೆಗಳ ವಹಿವಾಟಿನ ಜಗತ್ತಿನಲ್ಲಿ ಆಳವಾದ ಧುಮುಕುವುದಿಲ್ಲ ಎಂದು ಏಂಜಲ್‌ ಬ್ರೋಕಿಂಗ್‌ ಲಿಮಿಟೆಡ್‌ ಸಂಸ್ಥೆಯ ಚೀಫ್‌ ಆಪರೇಷನ್‌ ಆಫಿಸರ್‌ ನಿಲೇಶ್‌ ಗೊಕ್ರಲ್‌ ಹೇಳಿದರು.

ಡಿಜಿಟಲೀಕರಣದ ನೇತೃತ್ವದಲ್ಲಿ ಮುಂದಿನ ತಾಂತ್ರಿಕ ಕ್ರಾಂತಿಗೆ ಜಗತ್ತು ದೊಡ್ಡದಾಗಿದೆ. ಈ ಹಿಂದೆ ಸ್ಟಾಕ್ ಬ್ರೋಕರ್‌ಗಳು ಮತ್ತು ವ್ಯಾಪಾರಿಗಳು ವ್ಯಾಪಾರ ಮಹಡಿಗಳಲ್ಲಿ ಭೇಟಿಯಾದಾಗ ಮತ್ತು ವಹಿವಾಟು ನಡೆಸಿದಾಗ ವಹಿವಾಟು ನಡೆಸುತ್ತಿದ್ದ ಹಣಕಾಸು ಉಪಕರಣಗಳು ಈಗ ಡಿಜಿಟಲ್ ಬದಲಾವಣೆಗೆ ಒಳಗಾಗುತ್ತಿವೆ. ಸ್ಟಾಕ್ ಬ್ರೋಕರ್‌ಗಳು ಈ ಹಿಂದೆ ಮಾರುಕಟ್ಟೆಯಲ್ಲಿ ಏಕಸ್ವಾಮ್ಯವನ್ನು ಹೊಂದಿದ್ದರು ಮತ್ತು ಅವರ ಒಳನೋಟಗಳು ಮತ್ತು ಶಿಫಾರಸುಗಳು ಹೂಡಿಕೆದಾರರಿಗೆ ಮಾಹಿತಿಯ ಏಕೈಕ ಮೂಲವಾಗಿದ್ದರೂ, ಡಾಟ್-ಕಾಮ್ ಕ್ರಾಂತಿಯ ನಂತರ ಒಂದು ನಿರ್ಣಾಯಕ ಮಾದರಿ ಬದಲಾವಣೆಯಾಗಿದೆ.

ಆನ್‌ಲೈನ್ ಪ್ಲಾಟ್‌ಫಾರ್ಮ್‌ಗಳ ಆಗಮನದ ಕಾರಣದಿಂದಾಗಿ, ಮಾಹಿತಿ ಕೈಗೆಟುಕುವ ಮತ್ತು ಎಲ್ಲರಿಗೂ ಪ್ರವೇಶಿಸಬಹುದು, ಇದರ ಪರಿಣಾಮವಾಗಿ, ವ್ಯಾಪಾರವು ಭೌತಿಕ ಮಹಡಿಗಳಿಗೆ ಸೀಮಿತವಾಗಿಲ್ಲ ಆದರೆ ಡಿಜಿಟಲ್ ಮಾಧ್ಯಮಗಳ ಮೂಲಕ ಹೆಚ್ಚು ಪ್ರವೇಶಿಸಬಹುದು. ಷೇರು ಮಾರುಕಟ್ಟೆಗಳ ವಹಿವಾಟಿಗೆ ಹೆಚ್ಚುತ್ತಿರುವ ಮೊಬೈಲ್ ಅಪ್ಲಿಕೇಶನ್‌ಗಳ ಕಾರಣದಿಂದಾಗಿ ಅದೇ ಮಾದರಿ ಬದಲಾವಣೆಯು ಈಗ ಇನ್ನಷ್ಟು ಗಟ್ಟಿಯಾಗುತ್ತಿದೆ. ಒಟ್ಟಿನಲ್ಲಿ, ವ್ಯಾಪಾರಕ್ಕಾಗಿ ಆನ್‌ಲೈನ್ ಪ್ಲಾಟ್‌ಫಾರ್ಮ್‌ಗಳು ಮತ್ತು ಮೊಬೈಲ್ ಅಪ್ಲಿಕೇಶನ್‌ಗಳು ಶ್ರೀಮಂತ ಮಾಹಿತಿಗೆ ಸಿದ್ಧ ಪ್ರವೇಶ ಮತ್ತು ತ್ವರಿತ ನಿರ್ಧಾರ ತೆಗೆದುಕೊಳ್ಳಲು ಅನುವು ಮಾಡಿಕೊಡುವ ಜಗತ್ತಿನಲ್ಲಿ ವ್ಯಾಪಾರಿಗಳನ್ನು ಕರೆತಂದವು.

ಜ್ಞಾನದ ಕೊರತೆಯಿಂದಾಗಿ ಜನರು ಷೇರು ಮಾರುಕಟ್ಟೆ ಹೂಡಿಕೆಗಳಲ್ಲಿ ತೊಡಗಿಸಿಕೊಳ್ಳಲು ಹಿಂಜರಿಯುತ್ತಿದ್ದರು. ಸಾಂಪ್ರದಾಯಿಕ ವಿಧಾನವು ಷೇರುಗಳನ್ನು ಖರೀದಿಸಲು ಅಥವಾ ಮಾರಾಟ ಮಾಡಲು ಸ್ಟಾಕ್ ಬ್ರೋಕರ್‌ಗಳನ್ನು ಬೆನ್ನಟ್ಟುತ್ತದೆ. ಈ ಪ್ರಯತ್ನವು ಭಾರಿ ದಲ್ಲಾಳಿ ಶುಲ್ಕಗಳು ಮತ್ತು ಇತರ ಗುಪ್ತ ವೆಚ್ಚಗಳನ್ನು ಸಹ ನೀಡುತ್ತದೆ. ಆದಾಗ್ಯೂ, ಆನ್‌ಲೈನ್ ವ್ಯಾಪಾರ ಮತ್ತು ಸರ್ಕಾರ ಮತ್ತು ನಿಯಂತ್ರಕರ ಡಿಜಿಟಲ್ ಉಪಕ್ರಮಗಳ ನೆರವಿನೊಂದಿಗೆ ಇ-ಕೆವೈಸಿ ಯಂತಹ ಬೆಳವಣಿಗೆಗಳೊಂದಿಗೆ ಬಳಕೆದಾರರು ಇನ್ನು ಮುಂದೆ ವ್ಯಾಪಾರವನ್ನು ಪ್ರಾರಂಭಿಸಲು ಸಾಲಿನಲ್ಲಿ ಕಾಯಬೇಕಾಗಿಲ್ಲ.

ತಮ್ಮ ವ್ಯಾಪಾರ ಮತ್ತು ಹೂಡಿಕೆಗೆ ಅನುಕೂಲವಾಗುವಂತೆ ದಲ್ಲಾಳಿಗಳನ್ನು ಈಗ ಮೊಬೈಲ್ ಅಪ್ಲಿಕೇಶನ್‌ಗಳೊಂದಿಗೆ ಸಂಪರ್ಕಿಸಬಹುದು. ಇದಲ್ಲದೆ, ಈಗ ಬೇಸರದ ದಾಖಲೆಗಳು ಮತ್ತು ನಿರ್ವಹಣಾ ವೆಚ್ಚಗಳ ಕೊರತೆಯಿರುವುದರಿಂದ, ಹಲವಾರು ದಲ್ಲಾಳಿ ಸಂಸ್ಥೆಗಳು ZERO ಶುಲ್ಕ ವಹಿವಾಟುಗಳನ್ನು ಪ್ರಾರಂಭಿಸುವ ಮೂಲಕ ಅಥವಾ ಇತರರ ಮೇಲೆ ಅತ್ಯಲ್ಪ ಫ್ಲಾಟ್ ಶುಲ್ಕವನ್ನು ವಿಧಿಸುವ ಮೂಲಕ ಗ್ರಾಹಕರಿಗೆ ಡಿಜಿಟಲೀಕರಣದ ಪ್ರಯೋಜನಗಳನ್ನು ಸಹ ನೀಡುತ್ತಿವೆ.

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Airtel Payments Bank and Mastercard to develop customized financial products for farmers and SMEs in India

Posted on May 28, 2020 by City Today News (City today.media)

Aim to deepen penetration of financial services in underbanked and unbanked regions

Will also develop a wide range of retail products to accelerate adoption of digital payments after the COVID19 lockdown is over

Bengaluru, 27^th May 2020: Airtel Payments Bank (APBL), India’s first Payments Bank, has partnered with Mastercard, leading technology company in the global payments industry, to develop customized products catering to customers across the underbanked spectrum including farmers, small and medium enterprises and retail customers.

As part of the Government’s vision of Digital India and Banking for every Indian, both entities have been working towards driving adoption of formal banking and digital payments in the country. The collaboration will bring together Mastercard’s global and local experience in developing advanced financial solutions and Airtel Payments Bank’s strong distribution network to reach the last mile and its large customer base.

The collaboration aims at building a digital platform which provides farmers with knowledge about advanced farming techniques and connection to marketplaces, while simultaneously enabling them to receive payments directly in their Airtel Payments Bank account. Combined with 500,000 banking points of Airtel Payments Bank, the platform will provide farmers with access to neighborhood banking, earnings stability and income growth. This will be a significant move towards building a cashless economy.

Both partners will also work together to create customized solutions for millions of small businesses across the country. These solutions will empower small and medium scale enterprises, who have limited access to finance, to make assisted payments, manage their financial & transactional processes, and also avail working capital in these times of crisis.

Finally, Airtel Payments Bank and Mastercard will work together to create differentiated card solutions, including solutions for contact less payments via NFC (Near Field Communication) for customers and merchants.

Anubrata Biswas, MD and CEO, Airtel Payments Bank said “We are glad to partner with Mastercard to develop innovative solutions as part of our endeavor to drive financial and digital inclusion in the country. Together, we aim to create products that will motivate customers to adapt formal banking behaviour and start opting for digital payments. These solutions will be an addition to our existing differentiated bouquet of easy, accessible and convenient banking and payment solutions to serve the underserved and unbanked population.”

Porush Singh, Division President, South Asia, Mastercard said, “Digital payments have the potential to bring a positive change to the lives of millions of Indians. Mastercard is delighted to extend the partnership with Airtel Payments Banks to build innovative digital payments solutions that will help farmers and small & medium businesses connect with the digital world. These solutions will enable them to access a larger market base, receive payments easily into their bank accounts, safeguard their money against risks associated with cash and get easy access to credit. The partnership will also play an important role towards achieving Mastercard’s goal to empower India’s merchants with digital payments acceptance infrastructure by the end of this year.”

Airtel Payments Bank has been working with Mastercard for last 3 years to offer Mastercard powered debit cards to its savings bank account customers in the country.

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Amazon provides free COVID-19 health insurance for its sellers

Posted on May 28, 2020 by City Today News (City today.media)

Free health cover of up to INR 50,000 for one year; no co-payment required during claims
This will bring insurance benefits to lakhs of Amazon.in sellers

Bengaluru, 27.05.2020 Amazon.in today announced that it is providing a COVID-19 health insurance, completely free of cost for its sellers in India. The insurance will help cover the expenses related to COVID-19 hospitalization and treatment as well as ambulance assistance and ICU charges of up to INR 50,000, and it will be valid for one year after activation. Amazon will fully fund the premium for this health insurance and has partnered with Acko General Insurance (Acko) to manage the policy delivery and handling of claims and reimbursements. This will benefit lakhs of Amazon sellers – anyone who has had an active product listing on Amazon.in between January 2019 and 26 May 2020.

Gopal Pillai, VP Seller Services, Amazon India said, “We are facing an unprecedented situation that has affected the lives of millions of people around the world. In these difficult times, the health and safety of our sellers is of utmost importance to us and we are completely committed to support them. Good health is the foundation for our sellers to run their business and are rolling out a group health insurance benefit to help them cover for medical expenses in case of hospitalization and treatment due to COVID-19. While we sincerely hope none of our sellers need to use this, we want to make sure they have a sense of security and one less thing to worry about and can focus on developing their business.”

Gunjeet Singh who’s been selling Home Décor items on Amazon.in said, “I am happy to know that Amazon is providing its sellers like me a COVID-19 health insurance as oftentimes, it is not the disease or the ailment but the cost of treatment that worries people. While we are taking all safety precautions to stay safe in these times, an insurance cover does bring a sense of security and peace of mind. These are challenging times for everyone and being in good health is important as we work on our business.”

How can sellers register for the insurance policy?

Amazon will open a 7 day enrolment window wherein sellers can enroll themselves by providing basic personal particulars and KYC documents. No medical tests will be required for registration. For each seller account, only one person will be covered under the insurance policy. Once the requisite details are processed, a Unique Health Identification (UHID) number will be issued to the sellers by Acko, which they can use to file their claims and reimbursements. To claim COVID-19 related hospitalization and treatment expenses, registered sellers will have to intimate Acko. A standard waiting period of 15 days will be applicable at the start of the insurance policy. Amazon.in sellers can click here to learn more about additional eligibility criteria and other details regarding this free COVID-19 health insurance.

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D2H launches DIA, an AI-enabled chatbot for customer service

Posted on May 28, 2020 by City Today News (City today.media)

~DIA-‘D2H intelligent Assistant’ to enhance the customer service experience for its subscribers~

May 27, 2020: D2H(previously known as Videocon D2H), a DTH brand of Dish TV India Limited, India’s leading DTH Company has launched the ‘D2H Intelligent Assistant’ (DIA), chatbot using the latest AI technology, for its customers. D2H Intelligent Assistant (DIA) is a one-stop solution platform for customers to solve their service queries through an automated assistant in real-time. For seamlessly handling customer problems and issues, a conversation mode approach in a friendly live chat format is used.

Catering to the evolving needs of the customers for better, faster and more accurate resolutions of service queries and issues, ‘D2H Intelligent Assistant’ (DIA) comes with an array of exciting features, DIA seeks to make it easier, faster and simpler for D2H customers to resolve their queries and issues. It is designed to process user requests and queries 24X7 through deep analytics and its Artificial Intelligence engine. DIA is enabled with a highly sophisticated machine learning system that enhances accurate, personalized customer service through a constant process of self-evolution and learning.

Commenting on the DIA launch, Mr. Sugato Banerji, Corporate Head-Marketing, D2H, Dish TV India Ltd said, “We have observed a growing need among our customers to opt for self-service channels for their routine queries and issues. Keeping this trend in mind, we are launching DIA – D2H Intelligent Assistant – a state of the art AI based intuitive chatbot that resolves a wide range of customer queries and issues on its own. DIA will significantly add to improving our customer service experience. The launch of DIA reaffirms the D2H promise of bringing the best of technology solutions for its customers.”

DIA appears as a pop-up feature on the website and introduces itself as “DIA”. One can initiate a conversation by simply entering a message and enjoy a rich, personalized experience, delivering real-time responses, timely and pertinent to one’s D2H account. It also offers solutions to issues related to recharge offers, current balance, add-on service upgrades and even suggests best recharge offers.

D2H Intelligent Assistant is available on https://www.d2h.com/ and chat platforms like Whatsapp on contact number 8750917917 and Facebook. It would soon be available on D2H customer app and additionally have progressive enhancements through which customers would be able to upgrade their set-top boxes or buy new smart products, request for relocation, get transaction history and change registered telephone number and language.

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Aegon Life Insurance Launches Industry’s First “Life Plus Hospitalization Cover for COVID-19” with Flipkart

Posted on May 28, 2020 by City Today News (City today.media)

Bengaluru, 27^th May 2020: In an industry-first move, Aegon Life, the pioneer of digital insurance in India, has announced the launch of ‘Life Insurance with COVID-19 Cover’ for hospitalization expenses up to Rs 1 lakh along with Flipkart, India’s homegrown e-commerce marketplace. This launch is aimed to provide Flipkart customers with a comprehensive insurance cover against COVID-19, that can be availed on the Flipkart app instantly along with the base life insurance plan. This innovative offering of ‘Life Insurance with COVID-19 Cover’ supports the policyholder by covering hospitalization costs of up to INR 1 Lakh on minimum 24 consecutive hours of hospitalization on the first-ever diagnosis of COVID-19 condition along with death benefit from the life cover. This product available on Flipkart first, is aimed to help millions of people to financially protect themselves from the uncertainty of the COVID-19 pandemic in an affordable way from the convenience and safety of their home.

On the launch of ‘Life Insurance with COVID-19 Cover’, Mr. Satishwar Balakrishnan, CFO, and Principal Officer, Aegon Life said, “The government across the nation has taken bold steps towards containing the outbreak. However, many Indians do not have health insurance. Our goal through Aegon Life’s ‘COVID -19 Hospitalization Cover’ is to provide financial aid bundled with life benefits at an affordable premium. The policy takes care of hospitalization costs, which will help curb the financial burden that may arise if a person is declared COVID-19 positive. In case of death, one can avail of the life benefit through the base plan, which will help in supporting the insured’s family.”

He added, “At Aegon Life, we take pride in being a pioneer of digital insurance in India. The cover being available easily on the Flipkart app is a step in the direction of enhancing our digital offerings for our customers.”

Mr. Ranjith Boyanapalli, Head– Fintech and Payments Group, Flipkart, said, “During these unprecedented times, businesses must come together, be agile and innovate for the hour. At Flipkart as we continue to cater to 200 million customers across the nation, we believe that a full cover product such as ‘COVID-19 Hospitalization Cover’ will provide our customers the much-needed option of having life and hospitalization cover rolled-up into one product. Our partnership with Aegon Life enables these innovations to reach consumers affordably and conveniently.”

The technology and customer-first focus of Aegon Life and Flipkart has enabled this unique and powerful offering which is the need of the hour during this pandemic.

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