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Messages - Abdus Sattar

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302
উপকারি পোষ্ট।
ধন্যবাদ।

303
উপকারি পোষ্ট।
ধন্যবাদ।

304
খুবই দরকার একটি পোষ্ট ।
ধন্যবাদ আপনাকে।

305
ঢাকার আশে পাশেই যে এত গুলো ভিজিট করার মত জায়গা আছে তা জানা ছিলো না।
খুবই উপকারি একটি পোষ্ট।
ধন্যবাদ ম্যাডাম।

306
Faculty Sections / Re: ঋণ নিয়ে হাদীস
« on: May 18, 2018, 12:12:58 AM »
গুরুত্বপুর্ন হাদীস।

307
ভালো তথ্য।

309
Faculty Sections / How easily can your products be stolen?
« on: May 17, 2018, 09:36:58 AM »
How easily can your products be stolen?
By Klarna

More and more online merchants find themselves victims of criminals.

These crooks use sneaky ways to either manipulate credit scores or highjack the identity of innocent people who get invoices for things they didn’t order.

Is your online business at risk from these fraudsters? Let’s find out.

The kinds of frauds highlighted in this article affect payments solutions like “order now, pay later” or any sliced payment plans where goods are delivered before full payment is made.

If you operate this kind of web store, keep reading to discover some quick ways to identify how vulnerable your web store is to organized crime – and what measures you can take to protect your business from this kind of fraud.

We have broken this down into four simple questions to ask yourself about your business:

 

1. What kind of products do you sell?
Obviously, some product categories are at greater risk than others.

“If you sell white goods such as dishwashers or fridges you needn’t be as worried as if you sell Samsung or Apple smartphones,” says Luisa Stock, Manager for Fraud Detection at Klarna. “You need to be more vigilant when your products are in high demand on e-market platforms and are therefore easy and lucrative for criminals to resell”.

Examples of high-risk products are:
Tickets for concerts
Tickets for sport events
Branded shoes
Designer bags
Perfume
Electronics
Tech products
Travel services
“You would think that industries like the groceries market would be safe, but no. Many grocery stores also sell electronics online,” says Luisa.

 

2. Does your system raise red flags for suspicious buying patterns?
Do you have a way to detect if…

… a person makes multiple orders within minutes?

… an order is placed from an IP address that just made 20 other purchases?

… the person placing the order is using a fake email address, or an address from a suspicious domain?

… the same phone number has been used for multiple shipping addresses?

… someone has a history of changing the shipping address after orders have been sent out?

… your new customer has a track record of not paying bills?

… the email address given at the time of purchase has been used for multiple customers?

The list of suspicious buying patterns above is just the tip of the iceberg; there are many other things to look out for.

“These criminals have a lot of tactics to avoid being detected. If you sell shoes, for example, they might first try to order 5 or 10 pairs in different names and see what happens. If that goes well, they’ll try 20 next time, then 80, then 200,” explains Luisa.

Is it possible that organised criminals have been attacking your web store for months without you knowing?

 

3. How effectively do you review suspicious orders?
Let’s say you just identified a suspicious order. What do you do about it?


Luisa Stock
“Suspicious orders should be reviewed before you send out any products. Klarna uses a special tool to visualise transactions for review. Background algorithms analyse transaction data to flag up unusual patterns and any other suspicious behaviour, making it much easier for the merchant to assess the transaction,” says Luisa.

“In many cases, there is nothing to worry about. A red flag doesn’t necessarily mean you risk losing money, it just means you need to be more cautious.”

For example, when someone is asking for goods to be delivered to an address that’s been used for fraud in the past, would you let that pass or not?

“Upon investigation, it may turn out that the new applicant has nothing to do with that previous fraud, and transaction is safe to proceed. You don’t want to cancel orders unnecessarily”.

 

4. Do you keep up-to-date with criminal tactics?
Criminals are getting more sophisticated every day. In order to effectively defend your online store, you first need to be aware of the tactics they are using – and how to spot criminal activity.

“There are many variables to cross-check if you want to be successful in preventing fraud,” says Luisa. “That’s why we invest so much time, money and intelligence into our fraud pattern recognition systems. For example, we know that organised criminals follow certain trends in terms of the type of shoes they order, and at what price tag. These trends change all the time, but we keep on top of them and add the latest data into our fraud pattern recognition systems to protect our merchants”.

 

What does all this mean?
Let’s get back to the main question at hand: How easily can your products be stolen?

Well, if you are up-to-date and knowledgeable about the latest criminal fraud tactics, if you effectively review suspicious orders, and if you have ways of identifying suspicious orders in the first place, you don’t need to worry too much. However, if you’re not at this stage yet, it’s time to take this issue seriously – especially if your products are easy to resell.


Source:
https://knowledge.klarna.com/article/easily-can-products-stolen/?utm_source=LinkedIn&utm_medium=Social

310
Mobile banking transformation: The key to banking success in a digital world
By Peter Pleckaitis

It’s no secret that the world of finance is changing. Customers are increasingly empowered by a new generation of mobile banking and financial technology startups, with 75 percent of consumers saying that fintechs give them more power over their finances, according to Forbes.

Banks are ripe for disruption from fintechs because their traditional services and antiquated processes leave a gap of unmet customer needs. Adopting digital capabilities can help meet those needs, but banks need to do more than just roll out new mobile apps on top of traditional offerings.

Make the shift to mobile-first
What banks need is a complete mobile-first orientation. This means building a suite of mobile apps to make banking quicker, easier and frictionless for customers. At the same time, it also means giving customers the freedom to bank on their own terms. To do this, banks must create an omnichannel experience, where customers can enjoy the same level of service no matter how they choose to interact with their bank.

Although they aren’t the most convenient option for every situation, there is still a time and a place for physical branches: one study by Accenture found that 87 percent of consumers would continue to use bank branches in the future, and that they expect human interaction when they do.

But that human interaction won’t look the same as it has in the past — branch employees of the near future will be empowered with mobile. The days of waiting in line for service are numbered —as the customer enters a branch, employees will come to them, mobile device in hand. Those devices will give employees access to advanced tools, such as augmented intelligence, to help recommend the best possible product for each individual customer.

The mobile-first approach to banking should include both branch transformation and digital transformation. Anders Bouvin, CEO of Swedish bank Handelsbanken, put it best:

“There is no conflict between digitalization and the world’s best branch network. In that new world, if you are going to compete only digitally how are you going to differentiate yourself?… We believe that the branches are going to be even more important; it’s just the way they work is going to be different.”

Understanding the role of the branch in a post-mobile banking world
The idea that branches are the past and mobile-only is the future is patently false. A study by Bain & Company found that in the US, about 80 percent of new primary bank accounts are still opened in physical branches. In fact, branch transformation and mobile-enabled digital transformation should go hand in hand: by moving routine, low-value transactions from branches to mobile channels, banks can reduce costs in their branches, which in turn frees up even more money to invest in mobile innovation.

Integrating mobile banking technologies into physical branches enables banks to employ fewer traditional tellers and instead focus on hiring “universal bankers” who provide a mix of personal banking and teller services. PNC Bank predicts that 66 percent of its branches will be completely teller-less by 2019. This will make the branches more cost-effective while enabling employees to focus on high-value sales and advisory work.

Customers may come to view branches as places they only go when they have major financial decisions to make, but the personalized service and advice they receive in those situations will make the trip feel worthwhile.

Branch transformation helps fund digital transformation, while digital transformation helps enable branch transformation. To get the best results, banks must do both.

Case study: Umpqua Bank
One example of this can be found at Umpqua Bank, which was profiled in the Financial Brand in 2017. While many of their competitors were focused either on creating better digital channels or finding creative new ways to bring customers into branches, Umpqua didn’t consider it an either/or proposition. Instead, they built a “human + digital” strategy to maximize innovation across channels.

The centerpiece of this strategy is BFF, a mobile app that lets users interact directly with their Best Financial Friend — a personal banker the customer gets to pick for themselves — using voice, video or chat. The BFF app is enabled with AI to answer simple customer questions. Since bankers don’t have to answer basic questions or meet with clients face to face, their services are highly scalable: Umpqua estimates a single BFF can be assigned to about 1,000 customers, while providing personalized, high-value service to each one.

Although the BFF app allows customers to complete almost any transaction they could in a branch, this does not mean Umpqua will be completely abandoning its branches. The company does plan to reduce its total number of branches, but will configure the branches that remain to maximize customer value in a changing market.

IBM Think 2018, taking place March 19 – 22 in Las Vegas, is a first-of-its-kind business and technology event. It brings together thought leaders from across IBM and our partners and clients to share how we’re working to disrupt markets and make the world of business work smarter.

We invite you to join us at Think 2018 for a deeper look at other great ideas to continue transforming the banking industry.


Source:
http://snip.ly/qmc04#https://mobilebusinessinsights.com/2018/03/mobile-banking-transformation-the-key-to-banking-success-in-a-digital-world/

311
Creating a sustainable future with mobility
By Rose de Fremery

Mobility has transformed our world in a short span of time. From banking to retail and beyond, mobile technology has powered a new wave of customer experience centered industry innovation. Deeply intertwined with social media, mobility has also become a key factor in movements for positive social change. As mobility’s impact continues to be deeply felt in countries and societies throughout the world, here’s how it may help create a sustainable future for us all.

The mobility boom continues
According to Pew Research Center, 77 percent of Americans own smartphones — more than double the 35 percent figure Pew first recorded during its initial survey of smartphone ownership in 2011. Meanwhile, Statista notes that the number of global smartphone users is expected to exceed 5 billion by 2019. As more smartphone users have been coming online, the demand for apps has exploded. According to TechCrunch, global app downloads topped 175 billion and consumer spending on apps passed $86 billion in 2017. Today, as App Annie reports, the average smartphone user accesses close to 40 apps per month. With the mobile boom showing no signs of slowing, there’s no question that mobile technology is having a massive impact on society, with profound implications for of a range of industries.

Transformations in banking and retail
There has been a significant shift in the personal finance space, with mobile payment apps and other fintech apps disrupting the traditional full-service retail banking model. This is putting pressure on banks to adopt a customer-centric strategy and offer a streamlined, frictionless experience. Consistency across platforms has also become a standard expectation.

According to UserTesting’s Banking Mobile Customer Experience Index, survey participants compared their bank’s desktop experience to the app, assuming they would be similar, and then were frustrated when it diverged from what they were expecting. Banks that place a high premium on providing an efficient, pleasant mobile experience enjoy increased customer loyalty and positive overall perception of their brand.

The mobile revolution has also transformed the world of retail, allowing businesses to better engage with their customers and monetize the personalized mobile experiences that they deliver. Mobile shopping enjoyed its biggest month ever in November 2017 during the Chinese retail event known as Singles Day, with Chinese retailer Tmall logging $25.3 billion in sales — 90 percent of it coming from mobile. Back in the US, mobile consumers spent $2 billion on Cyber Monday. Retailers have learned that consumers spend more money the longer they are in an app and are optimizing their app experiences accordingly. Retail mobile innovation is soaring as a result, redefining the customer experience through emerging technologies like augmented reality.

Mobile technology for social good
With mobile technology becoming increasingly affordable and ubiquitous, governments and NGOs around the world are using it to improve outcomes in areas like health care and education. As GOOD notes, mobile technology will soon reach underserved communities all over the world at its current rate of progress. In Morocco, an innovative initiative called the Mobile Ultrasound Patrol has allowed medical professionals to perform 575 ultrasounds on expecting mothers in rural areas, transmitting the images over the 3G network to expert doctors. This has reduced the ultrasound review time from four days to two seconds, and the waiting time to receive a medical opinion has now been dramatically cut down from two weeks to less than 24 hours.

Meanwhile, in the US, students and teachers are using mobile-enabled ICT tools to deliver interactive, personalized experiences that foster healthy learning habits. More than 400 students from four middle schools in North Carolina recently participated in a program in which each student was provided a personal learning tablet with curated educational content, engaging in self-directed learning at home for at least three hours per week. One such school observed an 80 percent increase in students who used technology regularly for learning, giving them a significant educational advantage over students who did not improve their learning behaviors in this way.

Toward a sustainable future: Social media and the digital public square
Powered by mobility’s arrival into the public sphere, social media has become a powerful force in our world in just a few short years. As illustrated by the Arab Spring in 2010, social media has played a key role in movements for social change around the world ever since. Using hashtags to foster conversations on issues like sexual harassment, police violence and environmental sustainability, activists and socially conscious digital citizens have found a new way to rally support for the causes that are important to their communities.

This social media-enabled phenomenon has met with a largely positive response. Brands have taken notice and are paying closer attention to the conversations emerging on social media channels. To engage their target audience and convey authenticity, companies are increasingly engaging in brand activism on social media. While just a short time ago it would have been unthinkable for a company to take a public stand on a social issue, this practice has become far more commonplace in the social media era.

It’s clear that mobile technology has profoundly transformed our world in a short span of time. It has brought disruptive innovation to industries such as banking and retail, enabled better health and educational outcomes for communities in many countries and given rise to social media activism throughout the world. As mobility becomes ever more central to the way we work and live, it will be worth keeping a close eye on how it will next power our sustainable future.


http://snip.ly/w5dr2#https://mobilebusinessinsights.com/2018/03/creating-a-sustainable-future-with-mobility/

313
Science and Information / Re: What Should We Expect From AI?
« on: May 16, 2018, 09:40:27 PM »
Thanks for sharing.

314
আবার যদি বিমানে উঠি এইগুলা মনে করে মেনেই তবে চড়বো।
ধন্যবাদ আপনাকে।

315
সকালের নাস্তায় না শুধু আমি রাতে ঘুমানোর আগে ও লেবু চা খাই।

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