ro) Ca) OA acu) Ceara oe an a Pee ea ey i aah ee ~ ig Oy OCU Alethics Se ae 28 rey , i a iN = SC —— Ta as aT PM mate ea om el a cel) Pais ac iS ao oY Cee kor Secretsteay School of Architecture & Planning & Seu Greater Noida, UP | Estd. in 1999 (SESSION 2024-25) Bachelor of Architecture 10+2 examination with Physics, Chemistry & Mathematics subjects or passed 10+3 Diploma Examination with Mathematics ‘as compulsory subject with atleast 45% marks in aggregate. Master of Architecture As per CoA and AKTU norms MeL || UN ae PL TT PyHEXAWARE INNOVATING THE FUTURE What we do Garoutee cece E ee Mio tal erro et en leverages cutting-edge technology toempower organizations to streamline operations, enhance agility, and ase ae teeta | Nn nN e)Vis} t ] (@) nN Who we are A iaR ithe) leKe eet ola oc ead Oda Meg elie Ta elet Cy aera lootg st ul erhalten idece a Tae) Rete eter aK eli SD enaoe Aa ate eal ton tod Rut ome eer h oy Cicer ht ones ache te) build, transform, run and optimize becoming the most loved digital So nee sel teie ofetes os Neots eel *, Unlockirig Smiles through Innovation: Scan to Watch Our Purpose Unfold To learn more about us and how we are creating an innovation-driven tomorrow, visit us at: PMVAR CCR}p7 www.pcquest.com [MANAGING EDITOR: Thomas George EDITOR: Sunil Raguru EXEOUTIVE EDITOR (SP. PROJECTS) Minu Srsalowala ‘CONSULTING EDITOR: Pradeep Chakraborty ‘CONTRIBUTING EDITOR: Pratima H (CONTENT WRITER (ONLINE}:Kapish Xhajucia (CONTENT WRITER (ONLINE}:Preet Anand ‘CONTENT WRITER (ONLINE}: Neha Joshi ‘SUB EDITOR: Manisha Sharma SENIOR MANAGER: Ashok Pandey ail Chopra SSR VICE PRESIDENT & GROUP HEAD: Rechna Garg rechnag@cybermeda.coin) ASSOC. VICE PRESIDENT(ONLINE): Harminder Singh General Manager Business Solutions: Vikas Monga NORTH & EAST ‘SR. MANAGER: Sudhir Kumar Arora SOUTH & WEST SSR, MANAGER: Shubhadeep Sen (marketing@eybermedta.co.n) ‘SR, MANAGER MARKETING: Rly Pathak FINTECH Ce aus eenaenase The dynamic duo of cryptocurrency and FinTech vi Kant Kumar MANAGER: Ashok Kumar CORPORATE OFFICE: Cyber House, 8-85, Sec-32, Gurugram (NCR Deli 122003, Inia email us poquest@cybermeda.coin pai aoa call us +91-124-482-2222, Ext. 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To+01 (80) 4341 2000, Fax +91 (80) 29507071 For subscription queries contact: MUMBAI: Address: NS Tower Ofce No, 22, Bandra Kura Complex Rod, G Block BKC, Bandra Eas, rsepeq@cybermetia.co.in, Numbai~ 400051, Webi: +91 9b69424028 ‘Send all your tech questions to: DELHI: address: Cyber Hous, 8-3, Soe 22, Gurvgrar, NOR Delh-122008, Pequest@cybermedia.co.n Tek 0124-4822222, Mobile 810409208 Pecitetce veciteeodconyeant | Prato and published by Prasep Guta neha Ceres Li pried at pina at Ws ria Pent, 0-127, Osh neti rs, Pes, New Dei ples rom 0-74, Pancaee Eee, New Deh 10017. a itr: Sung Dsibated inn BM Books & Mages Dis Pi, Muna lights eseved.Nopartt tis ization mayb eric ny means tau er persion. 4 Feanuany 2024 ontercomiponae feebockcompequet40 Wearables p30 ‘cover stoRY p20 Exploring innovations, scalability, and trust the financial world p25 Unlocking blockchain’s potential in digital L FINTECH j Unleashing FinTech’s Impact of cryptocurrencies on Unleashing the full potential in the crypto cross-border transactions Potential of Fintech revolution Exploring frontiers in DeFi, microloans € Dell Premier Collaboration KMS00 Keyboard and Mouse MS900 p73 p23 ion making p28 Asafer and better future asset management ¢ DeFi lending for financial transactions ornat caumne How startups can leverage Exciting video games to GenAl to reshape businesses look forward to in 2024 ARnFicIAL Ercenree DaTA ANALYTICS nTELLIGeNe p40 the digital revolution Assistive recHNoLoGy _] p56 Leveraging cutting-edge tech for financial inclusion meee p52 Challenges and innovations in Al chip architecture CYBERSECURITY L_es p61 p6 How to use Al tools CES 2026 unveils securely tech odyssey p44 Data centres in India: Powering | Top trends that will redefine data ¢ analytics in 2024 p48 A deep dive into Al ethics CYDERSECURITY ps9 Revolutionizing Internet safety for children review review] NU Ultra HD Logitech Wave (4k) smart Tv | Keys (Ergo Series) (LED43UWAl) Fesmuany 2024 POQUIST 5Sunil Rajguru © sunilr@cybermedia.co.in Lg Err ead What about the longform? ‘veryone talks of short attention spans and superficiality ever since the Internet ‘came. It became more pronounced with Social Media. There has definitely been a TikTokification of the world where only the short, silly and ridiculous seem to go viral. But for every action there is an equal and opposite reaction. A counter to the short {s the emergence of the longform, a lesser talked about phenomenon. Newspapers and magazines were limited in their content, bound by their physical number of pages. But no such restrictions are there on the Internet. People started writing articles of thousands of words and even tens of thousands. There's a good readership for that. In the past if you watched television for hours on end, now with Netflix and other streaming services you can binge watch a single series for days on end. Liked a 15-season series which took 20 years to make? Well now you can polish that off in a matter of weeks. There are dozens of streaming networks with an unseeming endless supply of TV serials, web series, films and documentaries. If you note, then even Hollywood films seem to be getting longer and some breach the 3-hour mark. ‘Then there's the podcast. Listen to two people talking for hours on end without an ad break. Joe Rogan has mastered this. Most of his talks go on for 2.5-3 hours,some even cross 4.5. Apart from fun times with friends, we have subject matter experts from every corner of the knowledge pool cramming in 3 hours an entire academic semester's worth of concepts. The viewers love it and want more. While such shows flourish in America, even in India we are now regularly getting podcasts in the 1-2-hour region. ‘Another great innovation is the audiobook. 10/20/30 hours... it doesn’t matter. If you like the book, you't listen to it all day. Many professors have put up all their lectures in the audio format. With all this you can truly multi-task. If you read a physical book, you have to, sit in one place and can do little else, That's not the case with a podcast or audiobook. You may listen to them all day while getting ready in the morning, jogging, cooking, driving to work or any other activity. No time is wasted. You would have gone about your routine day and consumed books-podcasts without devoting any extra time on them. That the brain is changing with the advent of the Internet age is known by everyone. But not everyone is getting shorter attention spans. Some are digging deep. Are their brains heading off in a different direction? Where will this dichotomy take us? That's some food for thought! Suni Rajguru 6 POQUIST Fesnuany 2024 eqestcom Wteccomeqist fcebooksompeqvest ined vpeqest pequest@oyernes. conAshok Pandey jokpa@cybermedia.co.in X hitosi//twitter.com/PandeyAshokk EB https://wwwulinkedin.com/in/ashok-pandey/ Can | use my laptop without the battery? Absolutely! You can definitely use your laptop without the battery. Many laptops are designed to run smoothly on AC power even with the battery removed. This is a common practice, especially for folks who mainly use their laptops in one place. Just make sure your laptop is connected to a reliable power source, and you're good to go. wRishabh Parmar Is it okay to keep my laptop plugged in all the time? No, it’s not a healthy habit and can harm your battery in various ways. Keeping your laptop charger plugged in constantly can gradually reduce the battery capacity. Moreover, laptops that are always plugged in are prone to overheating due to the battery's poor condition. It's crucial to follow a healthy charging routine ~ charge your laptop when the battery is at 20% or less and unplug it once it teaches 90%. If that's not feasible, try to avoid overcharging. While your laptop won't face significant issues if it’s always plugged in, it will diminish the battery's lifespan, and you might want to avoid that. mBhavesh Singh peqiesteom twitercomipnuet|eesbook comfpoque! Inked npeaiet|caieltc #PCQuestTroubleShoot What's a hacker laptop? For hacking tasks, you'll need a powerful laptop ~ a mobile workstation. Look for a laptop equipped with the latest Intel Core i7 processor and 32 GB RAM. Additionally, opt for a dedicated GPU with 8 GB or more GDDR6, which enables multitasking and handling large files effortlessly. This kind of laptop is also suitable for virtualization, which is essential for hacking work. wAnanth MacBook or Windows laptop for a programmer? I'd recommend a Windows laptop. Programmers need a professional laptop with good battery life and a decent CPU. In the era of remote work, having a good camera and microphone is crucial, and a quality business laptop would be an excellent choice for a programmer. Pritam Paul Why do people still buy desktop PCs instead of laptops or tablets? The choice depends on various factors. Desktop PCs offer easy and cost-effective component upgrades, unlike laptops with limited upgrade options. Laptops are great for portability, but mobile workstations can be equally or even more powerful than desktops. Despite this, some prefer the flexibility of upgradability and opt for desktops. Aditya Gupta Feamuany 2024 POQUIST | 7B The dynamic duo of cryptocurrency and FinTech ashokpa@cybermedia.co.in With a focus on customer-centricity, collaboration, and regulatory compliance, FinTech aims to overcome challenges, revolutionizing traditional finance in the evolving landscape of digital currencies 8 Feanuany 2024 onerconiponee feebockcompequest inte inpeqvesthe way we handle money is going through a big transformation, thanks to the exciting mix of cryptocurrency and the creative ideas coming from FinTech. This dynamic duo is not just changing the game; it’s opening up a whole new world of possibilities in the world of money matters. ¥ Getting Friendly with Blockchain Tech At the heart of this financial revolution is the adoption of blockchain technology. FinTech, known for being quick on its feet, using blockchain's transparency, security, and unchangeable nature to come up with cool solutions for different things. One area where you can see this in action is in international payments, where blockchain makes sending money across borders faster, cheaper, and way more transparent. Trade finance is also getting a makeover, with blockchain smoothing out the process and cutting out unnecessary steps. In asset trading, blockchain is like a superhero, making things more efficient and secure. FinTech’s secret sauce is teaming up with traditional banks to smoothly fit blockchain solutions into their existing systems. This way, they get all the benefits of blockchain without causing chaos in the financial world. ¥ Checking Out Crypto and DeFi As more people get interested in cryptocurrency, FinTech is stepping up by offering safe spaces to buy, sell, and stash these digital coins. FinTech companies are also digging into decentralized finance (DeFi) ~ that’s like online banking but with a twist. It lets people borrow and lend money and do other money stuff without a traditional bank. What's even cooler is FinTech's adventure into making digital versions of real things, like stocks or commodities, using blockchain. This not only adds more choices for money stuff but also makes things more efficient and secure, y Putting Customers First FinTech is all about making things easy and friendly for you. They're tailoring their solutions to what you need, especially if you don't have easy access to traditional banking. peaiesLoom tercomipeuest|aebookconfoqunl|Inkedinpemiet | pooeiBcjtemesiaco.n Making sure it’s super easy for you to use cryptocurrency alongside regular money is a top priority. They're also working on teaching people about cryptocurrency ~ the good and the not-so-good - to keep everyone in the know. y Playing by the Rules Figuring out the rules is a big deal for FinTech in the cryptocurrency world, They're talking with the rule-makers to come up with clear and flexible ways to use cryptocurrency and FinTech together. Following strong rules and being clear about how things work builds trust with everyone involved y Teamwork Makes the Dream Work FinTech companies know that working together is key. They're teaming up with others, both in the FinTech world and regular banks, to tackle problems and make good changes to the rules. ¥ But It’s Not All Smooth Sailing Even though this mix of cryptocurrency and FinTech is super exciting, there are some bumps in the road. The rules keep changing, which makes it hard for everyone to fully get into using cryptocurrency. There are also worries about keeping everything safe, and the value of cryptocurrency can be a bit unpredictable. Making sure everything fits smoothly with existing money systems brings its own set of challenges. If FinTech stays quick on its feet, keeps being creative, and tackles these challenges head-on, it could change the way we think about money. FinTech's ability to mix its quick thinking and creative ideas with the potential of cryptocurrency means it’s a major player in shaking up how we do money stuff. As these technologies keep growing, the partnership between FinTech and cryptocurrency is set to tedefine the money game for along time. = Feamuany 2024 PQUIST | 9(nue [COVER STORY Unleashing FinTech’s potential in the crypto revolution Ashok Pandey [Rl ashokpa@cybermedia.co.in In the ever-evolving landscape of finance, FinTech stands at the forefront of innovation, poised to harness the transformative potential of cryptocurrency 10 POQUIST | FEBRUARY 2024 © gequstom seqest@eytemesa.con1e dynamic landscape of financial echnology (FinTech) is at the nexus of innovation and adaptability, steering the financial industry into uncharted territories. Ina recent interview, Kumar Gaurav, Founder € CEO, Cashaa, shared insights into how FinTech can harness its agility and innovation to adapt to the transformative potential of cryptocurrency. ‘As a pioneer in the field, Gaurav sheds light on the strategic integration of cryptocurrency technologies, blockchain, and decentralized finance (DeFi) to reshape traditional financial institutions. y Decentralizing Finance: A Paradigm Shift FinTech can leverage its agility by integrating cryptocurrency technologies, fostering faster transactions, reducing costs, and enhancing financial inclusion. Decentralized finance (DeFi) platforms can reshape traditional banking and finance by providing more accessible and cost-effective services. Embracing blockchain ensures transparency, security, and data protection in financial processes, paving the way for transformative shifts. Collaboration between FinTech and cryptocurrency can create a dynamic ecosystem, fostering continuous adaptation to emerging trends like tokenisation and Al and maintaining a competitive edge in the evolving financial landscape. ¥ Blockchain’s Role in Security and Transparency Blockchain ensures unparalleled security and transparency in crypto transactions by employing decentralized, immutable ledgers. Cryptographic principles secure data, preventing unauthorized alterations, ‘Transparency arises from the public nature of blockchain, enabling users to verify transactions independently. FinTech can leverage these features by integrating blockchain for secure, tamper-proof financial records, Smart contracts automate processes, enhancing efficiency and trust. Additionally, real-time visibility into transactions reduces fraud risks. By adopting blockchain, new age FinTechs enhance user confidence through a robust, transparent, and secure financial, infrastructure, ultimately improving the overall peaiesLoom tercomipeuest|aebookconfoqunl|Inkedinpemiet | pooeiBcjtemesiaco.n KUMAR GAURAY, Founde & CEO, C integrity of transactions for the benefit of users. y Navigating Cross-Border Challenges with Crypto FinTech faces challenges in cross-border payments, such as varying regulatory landscapes, currency exchange complexities, and different payment intermediaries increasing the cost and time required in such transactions. Crypto FinTechs have long advocated for standardizing regulations across jurisdictions is crucial. Developing interoperable blockchain platforms or multi- chain tokens like CAS also can streamline cross-border transactions, reducing processing time and costs. Embracing stablecoins pegged to fiat currencies minimizes volatility. Advanced data encryption and secure identity verification enhance privacy and security. Collaborative efforts among FinTech companies, regulators, and financial institutions can establish standardized protocols. Utilizing emerging technologies like Artificial Intelligence for risk management and predictive analytics further optimizes efficiency. Overcoming these challenges ensures FinTech delivers seamless and efficient international transactions. Feamuany 2024 MOUS 11(nue 1 Scalability and Responsiveness in the Crypto Era FinTech platforms can ensure scalability by implementing efficient blockchain consensus mechanisms, like sharding or layer 2 solutions. Cloud-based infrastructure and microservices enable quick scaling. Employing load balancing and optimizing code for high performance enhances responsiveness. Continuous monitoring, automated scaling, and strategic. partnerships with scalable blockchain networks help meet growing demand. Prioritizing user experience, optimizing network nodes, and staying agile in adopting technological advancements ensure FinTech systems remain robust, scalable, and responsive in handling the increasing volume of fast and efficient crypto transactions. y Revolutionizing Digital Asset Management Blockchain integration in FinTech can revolutionize digital asset management by providing transparent, tamper-proof ledgers. 12. FOQUIST | FEBRUARY 2024 seauesteom Smart contracts automate asset processes, Teducing intermediaries and hence expense ratios. Prioritize interoperability to facilitate seamless asset transfers across platforms. Implement robust encryption for secure data storage and transmission. Multi-signature authentication enhances access control. Consensus mechanisms like proof-of-stake improve transaction speed. Regular audits and compliance with evolving regulations are essential. Striking a balance between decentralization and compliance ensures effective and secure handling of digital assets, fostering trust and efficiency in FinTech-driven asset management. v Seizing Opportunities in Decentralized Finance (DeFi] In Defi, FinTech can capitalize on blockchain-based lending platforms by integrating them into their services, expanding financial offerings, and reaching a broader user base. Blockchain FinTechs provide instant crypto-backed loans at very competitiveinterest rates. Both the repayments and collateralization are automated through smart contracts, reducing costs. Crucial technological considerations for security include implementing robust smart contract auditing to identify vulnerabilities, employing secure key management systems, and utilizing decentralized identity solutions for user verification. Adoption of decentralized oracle networks ensures reliable external data inputs. Additionally, continuous monitoring and swift Tesponse mechanisms to address emerging threats are vital. y Microloans Fueled by Stablecoins: A Path to Inclusion Decentralized finance (Defi) leverages innovative technologies to promote financial inclusion. Crypto and stablecoin-based lending platforms use blockchain for transparent, borderless transactions. Smart contracts automate lending processes, reducing reliance on traditional intermediaries and hence cost. Blockchain’s accessibility fosters inclusion by allowing individuals with internet access to participate. Stablecoins, pegged to fiat currencies, mitigate crypto volatility, providing a reliable medium for lending in underserved regions. Decentralized identity verification enhances accessibility. These technological innovations collectively empower underserved communities, offering them inclusive financial services through decentralized lending platforms. y Scalability Challenges and Solutions in Microloan Transactions FinTech can ensure scalability and robustness in microloan transactions fueled by stablecoins by employing efficient blockchain consensus mechanisms like sharding or layer 2 solutions. Cloud-based infrastructure allows for flexible scaling based on demand. Optimizing smart contracts for efficiency and using off-chain solutions for non-critical operations can address potential bottlenecks. Implementing advanced data caching techniques enhances transaction processing speed. Regularly auditing and optimizing smart contracts, along with strategic partners! with scalable blackchain networks, contribute to a resilient lending platform capable peaiesLoom tercomipeuest|aebookconfoqunl|Inkedinpemiet | pooeiBcjtemesiaco.n of handling high volumes of microloan transactions with stablecoins. 7 Al’s Role in Enhani and Decision-Making Artificial intelligence (Al) plays a massive role in enhancing risk assessment and decision-making processes in FinTech, particularly for microloans and decentralized exchanges. Al algorithms analyze vast datasets to assess borrower creditworthiness, identifying patterns and trends that traditional methods may overlook. Machine Learning models continuously adapt to evolving risks, improving accuracy. In decentralized exchanges, Al aids in fraud detection, market analysis, and optimizing trading strategies. Smart contract auditing, powered by Al tools, enhances security. The synergy between Al and crypto-driven FinTech ensures more informed, adaptive, and efficient risk management and decision-making processes. k Assessment y Building Trust in Decentralized Exchanges Blockchain technology addresses trust and transparency challenges in decentralized exchanges by providing a tamper-resistant, transparent ledger. All transactions are recorded on a public, immutable blockchain, fostering trust in the system. Smart contracts automate and enforce trade rules, ensuring transparent execution. FinTech startups can build user confidence by conducting regular security audits, implementing robust identity verification processes, and providing transparent information about platform operations. Offering user-friendly interfaces, educating users on platform security measures, and actively engaging with the community contribute to establishing trust. FinTech’s synergy with cryptocurrency is paving the way for a revolution in financial services. The integration of blockchain, smart contracts, and innovative technologies not only enhances efficiency but also promotes financial inclusion and security. As FinTech pioneers navigate the challenges and opportunities presented by the crypto revolution, the financial landscape is set for transformative shifts, promising a more accessible, transparent, and efficient future for users globally. = Feamuany 2024 QUIT 13,B Impact of cryptocurrencies on cross-border transactions ashokpa@cybermedia.co.in The landscape of financial technology (FinTech) is undergoing a radical transformation, fueled by the integration of cryptocurrency into cross-border payment systems. The borderless and instantaneous nature of crypto transactions presents both opportunities and challenges for FinTech platforms aiming to deliver seamless and efficient international transactions “4 Feanuany 2024 ete comhe FinTech landscape is evolving, thanks to the impact of cryptocurrencies on cross-border transactions. The borderless and fast-paced world of crypto transactions offers both opportunities and challenges for FinTech platforms aiming to provide smooth user experiences. Let's delve into the technological hurdles faced by FinTech in crypto-powered cross-border payments and explore inventive solutions to overcome these challenges. y Tech Challenges in Crypto-Powered Cross-Border Payments Fragmented Blockchain Landscape: FinTech faces challenges integrating numerous blockchains with varying protocols. Bridging these gaps demands careful planning and execution. Legacy Infrastructure: Integrating crypto with existing systems like SWIFT and correspondent banking requires complex upgrades, harmonizing legacy systems with the decentralized nature of blockchain. Public Blockchain Limitations: High- volume cross-border transactions demand efficient processing, a challenge given the scalability limits of public blockchains like Bitcoin. Overcoming these limits is crucial for widespread adoption. Privacy Concerns: Balancing scalability with privacy needs is a challenge. Ensuring secure and private transactions without compromising efficiency is a delicate balancing act. Evolving Global Regulations: The lack of harmonized regulations creates compliance hurdles, Proactively engaging with regulators is essential for navigating this complex landscape. AML and KYC Compliance: Adapting AML and KYC frameworks to decentralized crypto transactions poses challenges, requiring innovative compliance solution: Smart Contract Vulnerabilities: Bugs in smart contracts can lead to financial losses. Robust testing and security measures are imperative to mitigate these risks. Cybersecurity Threats: Decentralized systems have unique vulnerabilities. Protecting user data and funds while peaiesLoom tercomipeuest|aebookconfoqunl|Inkedinpemiet | pooeiBcjtemesiaco.n upholding privacy practices is paramount. Solutions and Potential Avenues Hybrid Blockchain Solutions: Combining public and private blockchains addresses integration challenges, offering scalability, privacy, and interoperability. Layer 2 Scaling Solutions: Lightning Network and sidechains offer off-chain solutions, enhancing transaction speeds on existing blockchains. Interoperability Protocols: Standardized protocols like Cosmos IBC facilitate seamless communication between different blockchains, overcoming integration challenges. Regulatory Clarity and Collaboration: Global collaboration and clear regulatory frameworks are crucial for fostering innovation and adoption. Advanced Security Measures: Implementing multi-factor authentication, secure wallets, and robust monitoring can mitigate cyber threats. 1 Leveraging Blockchain for Seamless Transactions The instantaneous nature of crypto transactions brings both challenges and opportunities for FinTech platforms. While blockchain scalability remains a concern, developments offer potential solutions. Private, Permissioned Blockchain: Leveraging private, permissioned blockchains can address scalability issues, potentially overcoming limitations. Cost Savings with Blockchain-Enabled Payments: Blockchain-enabled payments can significantly reduce costs. One study suggests businesses could save US$1O billion by 2024 through blockchain adoption. Efficiency Through Cryptocurrencies: Cryptocurrencies lower transaction costs, eliminate intermediaries, and reduce processing times, especially in cross-border remittances. y Ensuring Scalability and Responsiveness in FinTech Platforms The borderless and instantaneous nature of crypto transactions presents unique challenges. Ensuring scalability and responsiveness is crucial for meeting Feamuany 2024 QUIT 15,