Evolving Trends In Banking Technology

Banking technology is moving towards excellence, changing the way society moves and grows. Banks are the lifeline of societies and economies. They are taking suitable measures to offer as much convenience as possible to common people. Through advanced banking technology, banks are giving opportunity to the businesses to take risks and invest wisely in the projects that can help build nations. Unquestionably, banking and commerce industry is playing a leading role in fostering creative, intuitive and innovative technology initiatives. It certainly builds confidence in investors, FIIs and businesses houses to take full-scale initiatives in research and development projects. This all round key contribution of banks and financial institutions will lead to growing economy, which further empower nation.

Banking and financial sector is taking broad steps for mobile banking in remote areas so that people can conveniently and confidently deposit their money and have access to banking facilities. In fact, worldwide banking technology consortiums are also thinking about implementing a wide variety of banking services that ensures safety, security, reliability and above all 360 degree interoperability. They are preparing to offer services to customers so that they can access banking services through SMS, IVRS and GPRS. This will evolve communities in much smarter way and make them full efficient, but all it needs is high-level of research, analysis and development efforts.

In order to provide full spectrum banking services to the common rural and urban people, banking and financial institutions are carrying out proper study, research and in-depth analysis and customer surveys to develop suitable banking solutions and worthy instrument. They are training researchers, practitioners, economists, students and participants to develop perfect banking frameworks, best practices that can cope with evolving and ever so changing business and economic challenges. They are educating customers to spread awareness by conducting seminars so that more and more people come to know about the banking technology spectrum and its endless possibilities. This will help people to understand banking steps, which will reduce banking frauds and probable attacks on the system.

As a matter of fact, people are also interested to see strong yet flexible moves in the banking and financial sector to learn their approach to make economy as well as currency strong & competitive. One of the major areas of concern of most of the people is to have strong security for their money and standardized approach to empower them so that they can take initiatives to productively invest in a secure and confident manner. Banks and financial institutions have recognized these daily evolving needs and already started to work in that area of implementing high-tech security solutions and developing sound banking technology to cope with the evolving economic trends and plunging government deficits.

FST Media produces the most successful banking technology conferences, financial & insurance technology conference, roundtables and publications for the banking and finance, insurance and wealth management sectors across the Asia Pacific region. With management experience in conference production, journalism and business development, FST Media prides its reputation on unparalleled access to senior financial services executives.

No Bank Fee Banks – 7 Tips For Finding the Right One

Among these common bank grievances, the one that can hit you most directly in the wallet is the fees. Among these fees, overdraft fees are the most hazardous to your financial health. After all, banks collectively bring in over $25 billion per year in overdraft fees alone. If you are looking to switch in order to find no-bank-fee banks, here are 7 tips for finding the right one:

1. Develop a list of candidate no-overdraft-fee institutions: Start your quest for the perfect bank by creating a list of at least 4-5 candidates. Start your list either in a spreadsheet program or on paper.

2. Make sure it is insured by the FDIC: The first thing you should check about each bank is whether they are FDIC-insured.

3. Ask about their ATM fee policy: You definitely want to choose a bank that has a zero-fee policy when using other banks’ ATMs.

4. Pay attention to the impression or vibe you get about the bank from their website: This one is subtle but oh-so-important. Just like people, banks have personalities. Choose a bank that makes you feel good.

5. Determine what other services they offer: Your needs may someday go well beyond checking and savings accounts. Make sure they can fulfill your future banking needs such as loans, as well.

6. Confirm that they offer no-overdraft-fee checking: To capitalize on people’s intense dislike of paying overdraft fees, some banks now offer no-overdraft-fee checking. They won’t charge you a fee – even if you overdraw your account.

7. Ask about their other fees: Be sure to get a full accounting of their other fees, such as check-writing fees, monthly service fees, etc. before signing up.

Spending 20 or 30 minutes finding the right bank can pay off for your hugely. Your research can translate to finding the ideal, no-bank-fee bank for you.

Commercial Banks and How You Can Be Prepared For Acceptance

Commercial banks are a particular type of bank and a financial institution. A commercial bank is different from an investment bank and the types of loans you might expect to get from are as follows:

o Mortgage loans – The only difference from a mortgage from a normal bank is that the security lien on the property in question. This security exists until the mortgage has been paid off in full back to the lender.
o Unsecured loans – These loans are not secured against property or any other financially viable assets.

A commercial bank is where borrowers who need money for their business would go. The banks are more interested to lend to business whether large or small rather than a loan for a personal need. The banks will also have services such as checking accounts, deposit accounts and other related services.

If you own a business, a commercial bank is a necessary step for a successful business that needs capital. Choosing the right bank for your business is a crucial and very important step. Large loans are usually the first financial transaction that takes place in a relationship between a commercial bank and a borrower. That is why getting the right one from the start is extremely important.

Before you consider your bank, you must have a good business plan and an application. All commercial banks will want to see this information to determine whether or not to invest in you. They are not only investing in you but also your business.

When you look into the different banks, look at the following things to determine which bank is the best decision for you and your business:

o Look at your personal financial needs – To find the perfect bank for you, look at your business and yourself.
o Look at your personal lending and borrowing history – Research what kind of companies and businesses that the banks have lent to in the past. Some will only lend to certain types of businesses and if yours doesn’t meet the criteria, yours and their time is wasted.
o Look at the banking culture – Research into the bank to find how satisfied others are with them. Avoid the banks that have terrible customer service and a really high turnover.
o Look at the banks fees and services that are available – Always research each banks fee and what they can offer to you and your business. There is no point joining a bank whose fees are far too large for what you can afford.

If you focus on the commercial banks that can give you and your business the healthy start it needs you are on the right track. If you are a small business or a large business, there is a commercial bank that can help you on your way. Commercial banks are there to help small and large businesses alike and they are primarily a business there to make money.

Which Country Is Better for a Permanent Residency Visa – Australia Vs Canada

Both Australia and Canada are beautiful countries; both have high living standards and quality education to offer. Both have common elements including British heritage among other things. Both these countries are popular among the immigrants who are thinking to migrate. People often approach us looking for Visa Immigration Services but most of them are always confused between Australia and Canada. So, here are some comparisons made out.

Australia the smallest continent in the world but is the largest island with warm weather, typical climates are temperate, subtropical or Mediterranean. Canada has mostly the continental type of climate it’s very cold here, during winters. The northern part of Canada mostly covered with snow for around 6 months. When comes to unemployment, Canada has the higher unemployment rate which is 7.1% whereas Australia has an unemployment rate of 6.0% also immigration to Canada is easier and less stringent. The cost of living including housing, rent, groceries are a little high in Australia than in Canada. Healthcare system is slightly better in Australia. People of Canada are friendlier towards the immigrants than in Australia. It would be bad and judgemental if it’s said Australia is a racist country which is not anymore, even though few cases of racism are found but then those don’t make the headlines. Canada is ethnically diverse and multicultural nation which is a product of large scale immigration from many parts of the world.

For permanent residency, both countries follow a point based system, the processing is around 3-4 months in Australia where as in Canada it’s around 5-6 months.

Permanent Residency in Canada

To become a permanent resident, a foreign national must make an application to IRCC (Immigration, Refugees and Citizens of Canada). There are various ways in which one can the fastest being The Express entry system. The express entry is considered the fastest in Canada it has 2 stages first, apply for PR invitation and get selected from a pool of candidates based on total point score (based on age, language, work experience, studies etc.). Secondly, on receiving an invitation, the visa application form has to be to the immigration office. Then it is processed by the IRCC within 6 months from the receipt of application. The PR in Canada sub categorised as federal PR and PNP (Provincial nominee program), the former is applicable all over the country. PR expires after every 5 years and has to be renewed after 5 years. The benefits being a permanent resident holds same rights as Canadian citizens, they also may obtain other social as well as Canadian pension plan benefits.

Permanent Residency in Australia

The processing time is around 3-4 months for key permanent residency visas. There are the skilled independent visas and the skilled nominated visas. To apply for PR one needs to follow the point based immigration system firstly there has to be an online submission of an application that is EOI (Expression of interest) in Skill select online system which is an online form which asks a series of questions about your skills depending upon the visa subclass you select. The score is calculated based on education, skills, experience etc. And if you are selected you will get the ITA for the visa.

Also, there’s another factor that affects your visa which is the rules and regulations, considering the immigration rules and policies of both the countries Canada has easier and flexible immigration rules.

Posted in Law

What Is Olympics Cupping Therapy?

Through Olympics cupping, designed for athletes you cannot only enhance your blood flow but at the same time reduce muscle tension and promote the cell repair. It is even beneficial for connective tissues and aids in the formation of new blood vessels present within them. Athletes make use of cupping services by sports physiotherapy centre to heal a host of conditions and aliments.

Different Types of Cupping
In the ancient era, cupping was performed with the help of animal horns. Later different cups made up of ceramic and bamboo evolved. Effective suction through these cups was possible with the use of heat, the cups were first heated in fire and then applied. Once they were cooled, they drew the skin due to pressure difference.

Modern cupping utilize cups that are crafted from glass and are rounded like balls. The two main types of cupping include:

• Wet Cupping
• Dry Cupping

In wet cupping a combination of medicines and suction is used to treat the patient, while for dry cupping only the suction method is implemented. Your preferences, present condition and the problems that you are going through help you choose the appropriate one.

What To Expect From Olympics Cupping Treatment
During the treatment, a specialized cup is placed on the skin and the vacuum sucks the muscle upwards. This creates a pressure onto the vessels, allowing the muscle to relax and relieves tension. The cups are usually allowed to settle for a period of 5 – 10 minutes after which they are removed and placed at another part of the skin. The process continues until a particular segment of the body has been rejuvenated by the cupping session.

To help athletes make the most of it, practitioners combine the power of cupping along with acupuncture to treat skin issues, digestions and other associated problems.

Cupping is able to cure a wide range of conditions that athletes often suffer at some point or the other and these include
• Facial Paralysis
• Lumbar disc herniation
• Herpes Zoster
• Cervical spondylosis

The best part about this therapy is that it has zero side-effects or risks, allowing you to attain a perfect body without any complications.

But, before you begin with your cupping session do make sure that you consult with qualified practitioners about your conditions, past medical records and your expectations from the treatment. Because this ancient integrative medicine requires the support of both practitioners and patients in order to achieve successful results.

Effective Tips to Hiring Vintage Wedding Cars

Choosing a vintage wedding car is not something that should be taken lightly. In fact you want the car to work with your theme and you want to ensure it blends in with your overall wedding experience, making an impact as you arrive at the ceremony and get out of the car in your beautiful gown to marry the person of your dreams.

The first step to finding the best vintage wedding cars for hire is to go online. These days the majority of companies advertise online, this can save you valuable time and energy. Bear in mind that when you set your wedding date, your list of things to do grows exponentially and for many, it is one of the most stressful times of their lives. You will want to make this an easy process and with online websites, you can find companies, views their fleet and make a selection without having to leave your home, giving you the time you need to concentrate on the other aspects of your special day.

Before you choose a company, it’s advisable to choose three reputable companies that you can review in detail. Take your time and go through each company’s website to learn as much as you can about them, including how long they have been operating and the areas that they provide their services to. From here to the independent review sites, never rely on the reviews you find on the company website alone, get honest feedback from past and current clients that you can use to steer you in the right direction and help you create a short list of vintage wedding cars specialists that you feel you can use on your wedding day.

With all this information at your fingertips, you can now compare the companies against the other to find the one you feel the most comfortable with. Take their years of experience, their vehicles and their reviews into consideration. Never let price determine your decision, but rather focus on the quality of the vehicles, whether they are clean, maintained and services and if they are available on your chosen date.

Next look at the selection available. Some car hire companies these days only specialist in one or two types of car, you want an extensive selection. Look for companies that provide a full range of vintage wedding cars, along with matching vehicles, so you and your fiancé can both arrive at the ceremony in the same car, being united before you actually tie the knot. This can make such a beautiful impact to see both parties arriving in the same car.

Pricing must pay a role, as you are working to a tight wedding budget, but it shouldn’t be your devising factor. Ideally the companies you are considering are willing to enable you to do a search online where you can add your collections and delivery post codes and your chosen date to get a quote. This can ensure you know exactly what you are expected to pay and the price should always include an experienced and qualified driver.

Remember that not all companies are created equal and there are those that specialize only in wedding cars, they will have an extensive fleet in your local area, which can save you so much time and energy when it comes to choosing your vintage wedding cars, so you know that your day will go according to plan and that your theme and dream wedding will fall into place with ease.

What Are the 10 Best Day Outing Resorts in Bangalore for a Perfect Weekend?

Bangalore is the best place to come across the lovely resorts and spa to get indulged in the most memorable holidays. If you have been looking for the best resort then you have landed at the right place. Here, we are going to cite the name of the prominent 10 best day outing resorts for you.

The 10 best Day outing Resorts in Bangalore:

1. Country Club – This is one of the Day Outing Resorts in Bangalore and known for serving the world class facilities at the best prices. Whether it is halls or rooms, they both have been designed in a great way to fetch your attention. The well-established gym is also here to welcome you if you are a GYM freak.

2. Park field Resort – It is a great amalgamation of resort and hotel both at the same time. The standard and heart touching services of this one of the Day Outing Resorts In Bangalore will make you fall in love with it. The enchanting greenery is waiting for you outside the balconies. To get relaxed, spa treatment is here.

3. Mango Mist Resort – According to its name, this resort is also amazing. The mango trees are here all set to give you a sweet welcome. If you step into the place, a number of memories will get evoked.

4. Guhantara Resort – It is truly a gem for the fun and adventure lovers. It is incredible as it is India’s first underground resort hold a different theme all over. It is a best choice to choose since it is all set to you enthrals you in a great manner. The great thing is that staff is quite friendly. To make you feel great, it has a number of activities to make you get indulged with the great fun right from rain-dance, tunnel trekking and various indoor as well as outdoor games.

5. Golden Palms Resort – It is next to the list since it is high in demand among the fun lovers. If you are looking for the place where you can swim then it is right place. This beautiful resort holds the biggest swimming pool in the country. And you must not skip it. Apart from swimming, there are a number of things to enjoy like tennis court, squash courts, conference halls for office trips and so on

6. Urban Valley – It is just 45 minutes away and would not take that much time to reach here. To get the great view of pine trees and red flowers, you must head here. For the adventure enthusiasts, it is the best place to head.

7. Ramanashree California Club And Resort – To get a break from hectic life, you must go here. As you can go for enjoying here a wide array of games like biking sports, paintball, squash basketball, wall climbing and many different indoor games as well.

8. Olde Bangalore Resort -To enjoy the top notch facilities, beautiful nature views and luxurious designs, it is a best option to choose.

9. The Windflower Prakruthi – To increase the productivity, you must head here as a wide array of team building activities, halls zorbing, outdoor sports and banquets are organized here.

10. Clarks Exotica Resort And Spa – To enjoy a wide array of outdoor games like cycling, cricket, basketball and so on. Apart from it, pools with slides for kids and squash also available.

15 Things Not to Do in Japan

If you have plans to visit Japan, there are some things you need to know. Familiarizing yourself with some basic Japanese cultural practices will go a long way in making your trip there enjoyable. Also, you are not likely to get into trouble. Here are things you should not do based on Japan culture.

1. Don’t enter a house wearing your shoes

Are you used to walking around in your house in your shoes? Well, you might get yourself in trouble if you do that in Japan. There is a special place where you should keep your shoes before entering the house. Also, there are slippers for guests when entering a room.

2. Don’t shout on the train

Trains are very common in Japan. However, people don’t make noise while in trains. They are always silent. If you have to speak to someone, do it in a low tone. Use your earphones if you have to listen to some music.

3. Don’t use your phone on trains

As indicated earlier, Japanese don’t like any noise in the trains. You will rarely find someone using his phone to make a call in the train. If you have to use your phone, send a message or talk in a low tone so as not to distract other people.

4. Don’t eat on trains

Japanese do not eat when traveling on commuter trains. Drinking is okay unless the train is too crowded. However, in long distance trains, eating and drinking are allowed. Food and beverages are also sold in such trains.

5. Don’t forget to remove toilet slippers

Once you get to Japan, you will notice that there are slippers only used when going to the toilet. These slippers are easily noticeable since they have particular words or pictures. Always remember to remove them when entering your house or walking on the streets.

6. Don’t tip anyone

While it is common to tip anyone after an excellent service in many cultures, Japan is an exception. No matter how satisfied you are with their service, they never accept tips. In fact, someone will come running after you, returning the tip!

7. Don’t ignore someone you are speaking with

If you are talking with a Japanese person, always stay calm and attentive. You may sound impolite and rude by just failing to show that you have understood a point. Whenever speaking, show your attentiveness by talking back.

8. Don’t photograph everything

Despite Japan being a beautiful country, you are not allowed to take photos everywhere. It is advisable to always ask someone before taking photos. You must be granted permission to take pictures in museums, temples, and shrines.

9. Don’t hug anyone you meet

Hugging is common in western countries. However, in Japan, it is not. You don’t hug someone you come across in Tokyo streets. Most of the older folks don’t like the habit. If you want to hug someone, then it’s best to know their age group and whether they are comfortable with it.

10. Don’t eat or drink when walking

It is uncommon to find Japanese eating or drinking while they are walking. Even on the streets with food stalls they always find a place to sit. Now you know how to behave when you are on Japanese streets so you don’t look foreign.

11. Don’t receive a present with one hand

Whenever receiving a gift or a visiting card from a Japanese, use your two hands and bow. Then tell him thank you. On receipt of a gift, don’t open it until the person who has given it to you has left.

12. Don’t throw away trash haphazardly

Another thing you might find hard to get used to is how to handle your trash. In most cities around the world, there are a lot of trash cans however, Japanese cities are different. People are encouraged to carry their trash until they find a place to dispose of it.

13. Don’t fail to say “thank you”

The verb “thank you” is highly valued in Japan. Learn to say it after being served in a hotel or store. Familiarize yourself with how bowing is done in Japan. You must always bow and say thank you when you meet with elders.

14. Don’t write down a person’s name in red ink

In Japan, it is OK to write “goodbye” in red ink but not a person’s name. The Japanese consider it to be disobedient. Therefore, if you have to write down your Japanese friend’s name, you know which color to avoid.

15. Don’t be shy

It is common for tourists to ask for help from locals. When you get to Japan, don’t be shy or afraid of asking for anything. They are very friendly and helpful. Even when you accidentally forget something somewhere, go back as no one is going to take it away.

4 Tips for Maintaining Vinyl Siding

We all know that vinyl siding is a great choice for one’s home due to its low maintenance and longevity. But that doesn’t mean that it is totally without basic maintenance needs or steps to be taken to see that it looks its best. Some of the common issues one might deal with are cracking, puncturing or perhaps pulling away from the house.

Thankfully, these proactive measures do not take a great deal of skill or a toolbox full of special tools.

Tips for Maintaining Vinyl Siding

1. Be sure to keep any shrubbery around the home trimmed back so that the branches cannot poke or scratch the siding. Failing to do this will result in the coating on the siding being scratched, nicked or punctured thus making the siding susceptible or mildew and mold.

2. No matter what type of siding you have on your home. It is important to take time to clean it, at least once a year. With vinyl, you can do this by using a soft scrub brush, soapy water, and a water hose for rinsing. Yes, you can use a power washer but be sure to keep it at the lowest setting and take care not to use excessive force.

3. In the event that you do discover dents, punctures or scratching, replace the piece as soon as possible. Be sure in doing this, that you use a siding removal tool so you can avoid damaging the surrounding pieces of siding.

4. Make time to clean your gutters- especially during the spring and fall or after a heavy storm as this will help keep the siding clean and prevent risk of damage to the siding.

It is also worth noting that while most people opt to have vinyl siding in a color they like, it you purchase a home with siding in a color you do not like, it can be painted. It will take two coats of 100% latex paint and the paint will need to be re-applied every two years in order to always look great.

Maintaining your vinyl siding is not a full-time job, but it does need the occasional repairs or cleaning. Don’t just assume that your home’s siding is a one and done aspect of ownership. Take time throughout the year to ensure that your siding will last as long (if not longer) than you were promised at installation. If you are new to vinyl, then be sure to talk to a local siding company and find out what they recommend for your particular type and style of home siding.

Snow Formation – One of the Greatest Challenges for IQF Processors

Snow formation inside IQF freezers is strongly linked to the process of dehydration, which occurs during freezing and is represented by water loss through the product’s membrane when it meets the cold air flow inside the IQF tunnel freezer.

During the process of dehydration, the products will also suffer a loss of weight. The humidity that is transferred from the product into the air will saturate it, and at the maximum point of air humidity (100% saturated), snow is created. This phenomenon is called precipitation and it is the same as when rain or snow is created out in the atmosphere.

The major factor responsible for the occurrence of precipitation during the IQF process is the large quantity of wet and warm product that makes contact with the cold temperatures inside the IQF freezer. After precipitation, the level of saturation decreases and even more moisture can be transferred from the product to the air, leading to more weight loss for the product transported on the bedplate inside the freezer.

Therefore, if snow formation inside IQF freezers is an indicator of product loss and dehydration, how can we minimize the level of dehydration?

First of all, the process of precipitation and thus sublimation needs to be kept under a specific level, with the help of optimal aerodynamics which ensures less disruption of the air flow and better air speed.

In order to minimize dehydration you need to avoid precipitation and thus sublimation, have better aerodynamics (less disruption of the air flow) and better air speed.

Considering that temperature variations inside an IQF freezer are a common thing, snow formation cannot be completely prevented but, thanks to its advanced design features, the IQF tunnel freezer can successfully minimize snow formation, increasing the yield of the overall production.

The IQF tunnel freezer benefits of unique fans, which can be individually adjusted in order to ensure the optimal speed for the perfect air velocity and air pressure. Thanks to the good control over the aerodynamics inside the IQF tunnel freezer, the level of air humidity remains constant and the process of precipitation is significantly prevented, ensuring a level of product dehydration between 0,1% and 1%.

The fact is that the snow building up inside your freezer is product loss, and that is because an IQF freezer is a closed system and the humidity creating the precipitation doesn’t have anywhere else to come from than from the products you are freezing.