An overview of the banking sector

If we have to define banking then in simple words banking means the business activity of accepting and safeguarding money by other individuals and entities, and then lending out that money to earn profit. This business of banking is a very risky but is profitable to the economy of the country, depositors as well as the banks themselves.

Types of banks and their functions

Banking industry offers its services to different types of clientele, and on types of products offered and clientele served there are mainly six types of banks in the banking sector.

Retail banks: these type of banks offer very basic services to the consumers. Examples of such banks are saving banks and recurring and fixed deposits and the service they provide includes safe deposit boxes, saving and current accounting and different loans.

Commercial banks: these banks act as an intermediaries, who have to raise funds through the depositors and lending that raised money to borrowers. This type of bank can become bankrupt in one day if all the depositors come to withdraw their money on the same day, because they have to give time to borrowers to refund, unlike the depositors. There are only two types of these banks- public sector bank and private sector bank.

Investment banks: these types of banks help individuals, companies and government in raising capital by underwriting or act as the client’s agent in issuance of securities.

Cooperative banks: they provide cheap credit to their members and governed by province of state cooperative societies act.

Specialized banks: these types of banks provide financial aid to the industries, heavy projects and foreign trades. The banks that fall under this category are industrial banks, development banks and foreign exchange banks.

Central banks: these are the banks which implements monetary policy, issue paper money, acting as a banker to government and other banks and regulating the bank industry. One of the best example of this type of bank is Reserve Bank of India.

Challenges for the modern banks

Though banking is a very large sector and consists of big names like San Francisco Banking system, but like every other sector they also have tough challenges in front of them, few of them are: 1.Banks are still not making enough return on investments, that the shareholders require. 2. Many banks are not able to deliver that kind of experience that people are expecting especially in the field of technology. 3. The growth of financial technology companies has become a very big challenge for banks because not only they provide better technology but also are more adaptable than the banking sector. And at last, regulatory requirements are a very huge challenge because due their increasing needs banks spend a big chunk out of their budget on building a system to keep up with the escalating requirements.

Manage through kiosks

While going through your journey, you would have bought many things while just passing on the road, through the window-opening shop. Have you even wondered how much time saving and comfortable the buying of things becomes while just passing by, courtesy to those window-opening shops. Those sort of window-openings are literally termed as kiosks. Kiosks have entered in our life, in almost every kind of field. The kiosks have made many processes of our life easier. One can’t imagine one’s life standing in long queues, waiting for withdrawing or depositing money without ATMs, a sort of kiosks .While going through the malls, you can witness direction guides standing to guide you to your right way. Kiosks can quite easily be observed on the metro stations and shopping complexes. The machines standing and giving your desired commodities in return for money without any person or handler are also a kind of kiosks.

Advantages of kiosks

These kiosks have entered and settled in our life quite easily. Rarely are observed or thought about the working processes of kiosks or the methods of working of kiosks. Kiosks are of various kinds, ranging as much as the kinds of men are found in the nature. The ATMs are the most visible form of kiosk, being used on a wider scale to deposit or withdraw cash. The simplicity and ease it has put in our life can never be underestimated. The internet kiosks are used to provide data access to common people, telekiosks being used as a successor of phone booth, the ticketing kiosks used to generate tickets automatically without having engaged any operator, providing immense ease for the people. The above mentioned contribute a small fraction of the wide range of kiosks.

Advancement in kiosks

After the discovery of kiosks, many advancements have been made in this, the earlier ones being quite simple, both in design and use. At present, many kinds of kiosks have been invented, giving kiosks a wide range of forms and functions. Many companies have been manufacturing kiosk, both for the public use and personal use. However, what Olea Kiosk Designers have to offer is rarely offered by others. Olea Kiosk Designers is a leading company in this sector, having made its name quite a famous one in this field. The company handles all the complexities in the process of kiosk manufacturing itself. It has a large number of employees which handle the manufacturing processes very efficiently and have quite a bit expertise, making them the best in this field of work.

These devices have indeed generated simplicity in our life. Now you don’t need any companion for you. These kiosks are everywhere for you, leading a helping hand.

Technology in the real estate business

Along with the booming of internet marketing and with the increase in the use of technology we became more and more surrounded by all sorts of interesting software solutions, that were able to ease our lives, to make our jobs easier , to improve our productivity or to respond to issues that in the past were impossible to solve.

For instance, imagine what would have meant to sell a property (if you were working as a real estate agent) a couple of years ago. You needed to present some pictures to a potential client, and then that client would have needed to come and see the real estate property, to understand better how are all the rooms and to see a clearer image before buying. But in the present the things have simplified a lot with the existence of virtual tours (that are able to present a more clearer image of the property to a potential buyer) and simplifies a bit the work of the real estate agent.

And the above example is only the tip of the iceberg, as in fact, todays software solutions are able to do much more that explained in the above example, as for instance a virtual tour software that is also showing related content to a certain room, to the material used in the construction, or information related to the size of the rooms.

In fact, it is very easy to understand that technology has changed completely the way we are doing marketing – as the online has brought not only better exposure and targeting, but also a lot of technological enhancements that improve the product and the way we can present, sell, or promote a certain product.

Also – tools like Google Analytics, Adwords, Search console and social media advertising are providing big overall changes to the real estate businesses.

Drone FPV 101: Quick Guide to FPV Goggles, Cameras, Transmitters and More…

If you have been flying drones for a while, you already know that for the best flying experience you need FPV – or ‘first person view’ – systems. The FPV system enables you to fly your drone from the pilot’s perspective. As if you were actually sitting inside the drone and looking out. This is as good as it gets.

FPV systems are relatively new. Only about a decade old. Vastly improved technologies in recent times have made this possible.

All of the various components that make up an FPV system are evolving at a rapid pace – monitors, cameras, video transmitters, receivers and even ***FPV goggles***.

While all of this may sound very exciting – and it indeed is, there’s one thing you’d want to note before you jump into FPV…

You need to be able to fly your drone around “line of sight”. This requires you to have mastered the controls. Unless you have mastered this basic skill, you should not be switching to FPV.

And not all FPV systems are plug and play. You may need to have at least a few basic skills like soldering to make this work.

That said, here is what you’ll want to look for in each of the individual components…

FPV monitors

You can use either a monitor or a pair of goggles. But some people choose to use both together.

The main advantage of using a monitor instead of goggles is you can switch between the camera view and line of sight very easily.

Another really good reason you would want to buy a monitor is because some monitors come equipped with dual receivers. So they actually have two antennas instead of one. The monitor sources its signal from the antenna getting a stronger signal – which is good because the screen may otherwise go blue in some of these devices when the signal from your quadcopter’s FPV transmitter becomes very weak.

Some monitors come with a video output port. You can connect your FPV goggles to this port. So one other person can look at the monitor while you, the pilot, controls the drone while wearing goggles.

FPV goggles

FPV goggles allow you to have the best possible experience. It’s almost as good as being in the cockpit of your drone while flying it. It certainly can’t get any better than this.

For the best possible viewing experience, you’d want to buy goggles with the best resolution and at least 35° field of view.

Most models these days have a resolution of 640 x 480 VGA and at least 25° field of view.

While this should be good enough for most people, if your FPV camera is not very good, the image displayed by your goggles will not be good either.

Transmitters and receivers

Most FPV systems use a frequency of 5.8 Hz. This is because drones usually use either 2.4 GHz or 5.8 GHz. Since the radio controller typically uses 2.4 GHz frequency, FPV systems use 5.8 GHz.

You would want to note that in most countries, it is illegal to use 900 MHz, 1.2 GHz or 1.3 GHz for radio controlled drones.

FPV cameras

By far the best FPV camera on the market today would be the GoPro Hero4 Black. But it is heavy and expensive.

So many drone enthusiasts use much smaller cameras that are a lot cheaper.

There’s another problem with using GoPro camera is for FPV. These cameras do a lot to image processing and so there can be a time lag. If you’re flying very high and at low speed, the slight lag may not be a problem.

On the other hand, if you’re into drone racing or stunts then the time lag is simply unacceptable. You will need to use a dedicated FPV camera.

Dedicated FPV cameras are designed for flying fast in varying light conditions.

A camera gimbal

Quadcopters are unstable and can remain in stable flight only because the onboard flight controller continually changes the motor speeds. This can introduce a lot of vibrations – and a lot of this is passed down to the camera. And all of these vibrations cause the video to be very shaky.

If you want the video to be free of all the shakiness, you’ll need to mount the camera on a three axis brushless camera gimbal.


Relief for Gamers Who Can’t Seem to Get Comfortable

If you’re one of the millions of gamers who love playing on the PC, welcome to the PC master race. And if you’re one of the millions of gamers who also suffer from back and neck strain, we understand your plight. Thankfully, today we have some tips on how you can get more comfortable while at your computer gaming desk and be ready for those long gaming marathons.

Tip #1: Make sure your monitor is at the correct height

Too often, gamers make the mistake of looking down at a monitor that is positioned too low—below eye level. An optimal position would place the midpoint or middle third of the monitor at eye level, thereby eliminating unnecessary neck strain as you bend down to see clearly.

Tip #2: Sit back in your chair with your feet firmly planted on the ground

Doing so ensures that you actually take advantage of the back support your chair provides. If you sit too far forward, you’re likely to hunch over (this also goes along with the monitor height issue), creating all kinds of back aches. People often tend to sit with their chair too high, so consider lowering it to ensure you can sit back comfortably.

Tip #3: Stretch your legs

It might sound counterintuitive to advise someone to walk around when they’re trying to play a game, but the truth is that most matches, whether you’re playing an FPS or an RTS game, have a start and end point, followed by a period of waiting for the next game to begin. This is the perfect opportunity to move around a bit and stretch your legs so you keep your blood flowing and your muscles and tendons limber. This will help prevent cramps and other aches down the line caused simply by your immobility.

With these three tips, you should feel way more comfortable, no longer how long you’ve been playing. And a comfortable gamer is a relaxed gamer, and a relaxed gamer wins more often. So get out there and get winning!

The importance of website security

Website’s Security is an ongoing issue and it’s growing as time passes, platforms are becoming more secure but many unexperienced webmasters are also showing up with the Internet’s popularity on the rise and don’t know many of the basic security precautions they should take when developing their website on a web hosting.

The most basic precaution and that has always been suggested is to make regular backups of your site. It’s not uncommon for sites to get hacked into and “defaced” if such a thing happens and you don’t have a backup you may as well say goodbye to your whole website. Make sure to always keep a backup on your computer and not only on your web hosting because your web host may get hacked as well and files can get deleted backups included, if you keep a backup in your personal computer such things are close to impossible unless you get your computer hacked into.

If you’re using WordPress CMS then there’s also 2 basic precautions you should take to ensure 100% safety.

By default wordpress has the admin login page at /wp-admin/ you should change this either manually on your webhosting or get a plugin called “Protect your Admin”. This way no one will know what’s the URL for the admin to login, thus preventing possible brute forcing attacks.

Another important thing is change your Admin username, by default your admin account username is “Admin” you should definitely change this to something else more personal so hackers don’t know which username to brute force into, you may also download the plugin “WordFence” which will tell you if someone tried to bruteforce into your admin account.

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Innovation in Beauty: 3 Ways Technology is Changing the Beauty Industry

It’s no secret that humans have technologically advanced more in the last 20 years then we have in the last 500 years and there is no sign of us slowing down anytime soon. Most people won’t know this but this leap in technology is also clearly visible within the beauty industry as well. This isn’t anything new technological advancements go hand in hand with advancements in beauty throughout the different civilizations in history. From the Victorian ages when only the rich and elite class wore makeup and applied perfumes and colognes due to it being very expensive. Then to the 1920s when thanks to mass production and industrialization beauty product’s and clothes could be made in bulks making it affordable to the great masses of people.
The recent technological advancements have truly had a big impact on beauty and will continue to do so into the foreseeable future. It won’t be possible to list every single impact that the beauty industry has felt due to advancements in technology because the list will just be too long. I will just list the top 3 ways technology has and will continue to impact the beauty industry in a big way.

1. The Internet Factor!

This has to be the biggest impact technology has had on the beauty industry it doesn’t depend what part of the industry you look at whether its clothes, beauty creams or beauty products. No matter where you are now in the world if you want some new beauty cream you can get it online. If your curious how a certain curling iron performs you can go online and read some customer reviews before you decide to buy. The internet has made the customers smarter they want the best product for their money. But this isn’t bad for the beauty industry because this has opened up the customer base it’s not local anymore its global and the demand for good new beauty products is never ending.

2. Access to at Home Specialist Devices

Technology has come so far that now it’s possible for men and women all around the world to buy and use specialist beauty devices which before to get access to you had to go to a high end beauty salon. A couple of very good example of these devices has to be at home laser hair removal machines and the at home laser for wrinkles.

In the past couple of years at home laser hair removal devices have been introduced to the market that are as effective as the laser hair removal treatment you can get at your medium level beauty salon. These devices are continuously upgraded every couple of years as technology evolves improving their results and making them safer. Its widely believed that the new models of at home laser hair removal machines in the coming years would be more effective than those you find in your local salons because those aren’t upgraded while these are.

The beauty industry has also been forced to re-accept past rejected devices which have improved themselves by taking full advantage of the technology available to them. A good example of this is the hair removal epilator which was rejected by women in the 90’s as being too painful and bulky. Now it’s made a quite a popular comeback due to the industry accepting technology as much as possible. The best hair removal epilators make use of hair lifting technology that actually lifts using special sensors within the device to build in frequency massagers that massage the skin and make it easier and more effective to remove the hair.

3. Customized Beauty

Due to the availability of technology beauty is becoming more and more personalized and it will continue long into the future. The days were men and women would just buy a simple cream for acne at their local pharmacy might leave us in the next 10 years. If you walk into a good level beauty salon or shop you would easily see the futuristic diagnostic tools. From the Harrods Ioma machine to the Organi DNA test each being used by major salons and beauty shops to bring a more customized and effective skin care solution to there customers.

How to protect yourself against email spam?

Email spam is something that almost everyone suffers from and that everyone hates – it ranges from something as harmless as an unwanted sales email about some product that you have never heard of, right through to a scam email that includes an attachment riddled with viruses and tries desperately to convince you that opening that attachment, and infecting your machine, is the right thing to do.

How to prevent spam

Be careful who you give your email address out to

The first and most important thing to understand about email is that your address is precious – don’t give it out to just anyone and everyone, protect it and only give it to people or companies that you trust, and that have a reason to be emailing you as a part of their Email sending campaign.

It is a very simple rule – the more people you give your email address to, the more likely you are to receive spam, eventually. Even though you may think that a company is legitimate and will take care of your address that isn’t always the case.

Unsubscribe where possible

Whenever you do receive an email that you are not interested in receiving always check near the bottom for an unsubscribe link – ALL genuine email senders will include an unsubscribe link that you can click on in order to prevent them from sending you future emails.

How to detect fraudulent emails

So you can’t always stop the spammers from getting to you, but when those spam emails do get through to your inbox make sure you don’t end up getting a virus from them or even worse be defrauded by the senders.

Check the real from address

The first step is checking the from address – sometimes senders of spam will create a fake from address so that it appears as if you know the sender. You can normally find the real email address by double-clicking on the from address itself to show the full email, or you can click on the reply button – because if a spammer is expecting a reply from you they will often show a fake from email to gain your trust but then use another email address that they are monitoring for the reply-to address.

Vet Links

Links are one of the most common ways in which spammers will try and get you on to their system where they can infect you with viruses and so on.

A very common trick is to show a link that appears to be going towards a genuine site but actually is going somewhere else entirely.

A good example is this link that appears to be going to google –, but if you click on the link, you will see that it actually goes to

A very easy way to check these links when they arrive in an email is simply to hover over them – the real destination URL will then be displayed in a “tooltip” window next to your mouse. Even if you cannot determine whether the real URL is safe, if it is very different from the URL of the link text then that is a good indication that there is something suspicious going on.


Attachments are the best way in which a spammer can infect you with a virus or trojan so they should always be treated as suspicious. Spammers can hide viruses in many different types of files including ZIP files, Word and Excel documents and even PDF files.

the best advise when dealing with attachments is to always treat them as suspicious unless you can prove otherwise.

For example, you receive an email that appears to be from FEDEX about a parcel you are waiting for, and it has an attachment – even if you are waiting for a parcel, dont trust that email or the attachment unless you see the shipment number in the email and it matches up with the shipment number you already have on your files – the reason for being so cautious is that spammers intentionally disguise emails as companies that people are often likely to be dealing with and even worse, spammers will sometimes profile their victims before hand and send very targeted emails that will at first appear to be trustworthy.