In 2020, the online gaming industry along with the global media and entertainment market is expected to grow to $2.14 trillion. The emergence of many gambling sites and platforms have contributed to the growth of the industry. Most of this revenue comes from the gaming regions of North America and the Asia Pacific. Massive multiplayer online games alone have generated a collective profit of $19.9 billion in 2016 and it continues to climb through the years.While highly popular and gaining high revenue, financial institutions still often steer away from the gambling industry. Banks think of internet gambling merchant accounts as a risk that’s too high to bear. What businesses fall under this grey area?Massively Multiplayer Online GamingOnline CasinosOnline Poker GamesLotteriesAny Form of In-Play GamblingWhy You Need Internet Gambling Merchant AccountsAs a gaming merchant, you need to be able to manage payment transactions effectively to ensure the success of your gaming website. Smooth transaction flows lead to high business revenue. Here are some of the benefits you can expect from a gambling merchant account:Broader Customer Reach. Receive payments not from just your base country but from any major country around the world. With multiple alternative payment methods, you can accommodate more customers for your merchant services. An increase in your reach is one step closer to increasing your customer conversion rate.Real-Time Payment Processing. Clear any and all payments made by gamers in real-time. The bets they make and any other in-app purchases are billed on their account at the same moment they place them. This speedy process attracts them to continue using your gaming platform which drives the rate of your profit higher.Multi-Currency Transactions. Accept payments in dollars, euros, pounds, and other major currencies from around the world at a favourable rate. Foreign exchange rates will determine the profitability of your foreign transactions. With a merchant account, you can guarantee that the conversion of every payment is most beneficial on your end. Lower currency conversation rates bring higher deals to the table.High-Volume Transaction Success. Tournaments and cups are two of the peak moments for transactions. During this time, you would need your merchant account to be able to process incoming transactions in seconds or less. Never miss a payment transaction which can result to a huge deficit in high volume reoccurrence.Network of Banks in Reach. Compete in the global market with a secure financial capacity. Be able to work simultaneously with multiple financial institutions with quicker settlements. Given the nature of risks in the gambling industry, finding processors to work with is a big challenge. But with a network of bank at your side, you can keep your customers satisfied with the delivery of your merchant services.Fraud and Chargeback Protection. Have a secured platform that determines any possible fraudulent activity and false sales. You need to retain the confidence of your clients in their every payment. With a merchant account, you can ensure the privacy of your customer’s sensitive information as well as your own. Keep your income protected and secure the profitability of your gaming business.Reasons Why Gaming Merchant Accounts Are High RiskAs profitable as the online gambling businesses are, financial institutions still often reject being processors of your business. There is no specific law in the United States that prosecutes players from transferring funds for bets. However, the Unlawful Internet Gambling Enforcement Act of 2006 “prohibits any person, including a business, engaged in the business of betting or wagering from knowingly accepting payments in connection with the participation of another person in unlawful Internet gambling.” This means that gaming merchants like you need reliable third party companies to process the payments made by clients.Some states in the US have fully or conditionally legalized regulated online gambling but others are fully committed in keeping it outlawed. For instance, violators in Iowa can be charged with felony depending on the amount of bid placed. Furthermore, internet gambling is highly prone to chargebacks and friendly frauds. Most of the time, the customers change their mind and subsequently dispute the transaction. They would claim that their cards were stolen to avoid paying the services charged. The bank or any other processor would have to shoulder the processing fees incurred during chargebacks. This is too much of a risk for most banks and financial companies.Limitations of Internet Gambling Merchants There are certain limitations to internet gambling merchants that are imposed by credit card companies such as Visa and MasterCard. They mark this as code 7995 which prevents any transaction that comes from states and countries that do not allow online gaming using card payments. This applies to all your customers sending payments from the following countries:Canada China     Finland Hong Kong          LiechtensteinLithuania              Netherlands       Norway Poland  PortugalSwitzerland        TurkeyUAEUSAVatican CityAdditionally, this applies if your residence, the business’ registered address, and billing address is in one of the countries above, as well as if the issuing credit card company is in those countries. This is the advantage of having a high risk merchant account solutions provider. They have the multiple acquirers that make working with these credit card companies possible. Biggest Threat to High-Risk Gaming MerchantsExcessive chargeback is very common to many high-risk gaming merchants. This is why a number of major credit card companies in America have imposed a fine on high chargeback ratio gaming merchants. Some processors limit the ratio to 3% and terminates the gambling merchant account if it goes higher. As a merchant, this hurts your chances of getting another account on your next application. There are some fail safes to this threat:Be as transparent and communicative to your customers as possible. Send emailed receipts right after purchase to remind clients of their transactions.Offer a customer satisfaction survey through email to encourage clients to make another purchase or transaction.Make sure to display your business name, website address, and any other business identifiers on your emails. This helps the clients avoid forgetting to recognize your business in their card statement of account.Offer full refund immediately to unsatisfied customers so they don’t have to dispute the transaction which then affects your chargeback ratio.Find processors which offer effective chargeback protection through mitigation programs and the like.

StoryMirror interviewed ThirdWatch and all about their venture. Here is what they have to say.Q. Tell us about yourself and your backgroundThirdWatch is about stopping fraud in digital transactions. We are avid e-commerce shoppers and has been shopping online since 2005 indiaplaza days when we used to order books online. Couple of years back I was trying to order TV for my Dad who lives in Greater Noida on one of the top 2 e-commerce sites of India however it was not taking the order despite being prepaid. When I ordered the same item to my Gurgaon address it came through. On digging deeper we found that fraud/abuse is a big problem in e-commerce and companies sometimes use broad rules like blocking certain pin codes/cities/states and/or international credit from ordering which affect genuine users part from fraudulent.Given our experience in building big data mobile analytics system we felt confident that we can solve this problem by using Ai and big data hence started ThirdWatch in April 2016.Q. What's is your business all about?Our platform Mitra prevents fraud in digital, banking and e-commerce transactions in real time using AI. Our system captures 200+ parameters and flag every transaction in real time as red or green. It generates a risk score also which defines riskiness of the transaction.By superimposing data from our own knowledge base and from third party databases we enhance the data captured from user transaction like zip code databases , ip address databases, mobile number validity databases. We also use micro models for address profiling, device signature, account profiling and velocity profiling. We capture the whole user behavior including the time taken to place order, the device user is using to order, ip address of user, location of order amongst others.We are very stringent on data security and sign a strong NDA with our clients however we do use networks effects to multiply effectiveness of our platform by collating fraud patterns across the client base and inputting values in our ML algorithm for e.g. fraud rate of email domain, fraud rate or zip code, area and many more.Q. How do you see yourself in next 5 years? In near future we would expand to South East Asia, in long term we will expand into preventing other financial frauds including Insurance and fintech fraud.Q. Message to your customers and viewersFor every customer, Thirdwatch has always been a profit centre and never a cost centre. E-Commerce companies can avail a free 2 months trial, and can actually validate the benefit we are offering themselves.Q. Which are your main clients?  What is the process of integrations? How successful have you been in controlling such fradulent cases in India for these companies?Traction has been phenomenal since we launched, We are currently processing about 5000 transactions per day with a pipeline to reach 50000 transactions per day. Because of our NDA’s and agreements with our client we will not be disclosing clients list, but  we are working with two of the top10 E-commerce Companies of India Q. What is the background of the founders? How big is the team?Adarsh Jain (36) and Shashank Agarwal (28) came up with the idea of ThirdWatch and utilising Artificial Technology to prevent fraud in the e-commerce domain. A few years ago, Adarsh tried to buy a Television set from a leading e-commerce website from his father’s residential address in Noida. The order was unsuccessful due to the location from which it was ordered. The same order could be processed, however, from his Gurgaon address. The problem intrigued Adarsh and he started to research and find the root of this problem. He got to know about the problem e-commerce sellers face, relating to fraud and abuse by fraudulent sellers. Shashank and Adarsh have prior experience with technology solutions, with multiple patents and patent applications in their names individually. They thought of combining their efforts to come up with an all-in-one, smart solution for e-commerce platforms. With a team of 10-15 people at such an early stage of ThirdWatch, the business is growing at a tremendous pace. More people will be on-boarded soon as and when the business expands to other cities and countries.Q. Is your technology scalable to a level wherein it can be used in govt offices or banks? If yes, please give the details on when do you plan on expanding there.Currently, ThirdWatch enables e-commerce businesses to prevent fraud and abuses they come across in form of promo code abuses, chargeback frauds, RTOs, Cash on Delivery frauds, identity frauds, and much more. ThirdWatch's AI- Mitra can be definitely used by Government agencies and banks to detect fraudulent users and block risky transactions. With regards to banks, Mitra can be easily employed to detect fraudulent credit/debit card payments, fake users, multiple accounts held by users to make fraudulent transactions, etc. Mitra can also be useful in the Digital India and Cashless society initiatives undertaken by our Government. There are numerous websites and apps that enable us to transfer money, complete e-KYC, file returns, etc. However, the risks associated with these apps are similar to the risks faced by e-commerce sellers. With AI, detecting and preventing fraud for the Government and Banks is easily plausible!Q. Data security being the Crux in today's internet era, how do you ensure maintaining that? ThirdWatch ensures complete security of the data provided by our clients with its strict Non-Disclosure Policies and Security Measures. The data provided is only used for analysing it and highlighting the transaction into 'risky' and 'fake' transactions. The security parameters are never compromised, and we maintain unmitigated security standards for the data we receive from our clients.Social Media Handles - Facebook - https://www.facebook.com/thirdwatchai/LinkedIn - https://www.linkedin.com/company/thirdwatch-data-pvt-ltd/Twitter - https://twitter.com/thirdwatchaiG+ - https://plus.google.com/u/0/b/110280512617140226197/110280512617140226197Youtube - https://www.youtube.com/channel/UCWWWl8h50-w5xuek0GtUEKQ 

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Have you encountered problems like Google Play Store stopped working or Unfortunately Google Play Store has stopped working?. Something like Google Play Store not working error or Google Play Store Services has stopped as well as Google Play Store keeps crashing messages? Read on to find out the solution!Google Play Store is Google’s official store and portal for apps and content on the Android mobile operating system in smartphones and tablets. Just as Apple has its own store – App Store. Until March 2012 the store was called Android Marketplace. Google offers software applications, music, movies, and books available for purchases and downloads through the store. Most of them are offered as freeware.At some point, we’ve all experienced a Google Play Store problem, whether it’s an error message when downloading apps or error on updating apps. We have the solutions for Google Play Store not workingor Unfortunately, Google Play Store has stopped working.To get started in Google Play, all need is your Google Account, and if you want to buy apps and media you’ll need to have a credit card or Google Play Gift Card balance. Once you login or register, you’ll be off and discovering millions of great apps and content choices.Google Play Store not working? How to fix it?What do you do when your device keeps on displaying “Unfortunately Google Play Store has stopped working”? Well, no worries at some point in time most of Android users experience or face this problem, we will provide some solutions to this problem.If Play Store app stops working then almost everything else stops working because it is the digital store or channel through which we install and runs all other android applications. This might often occur due to updates. Follow the tips and tricks carefully, you will surely get out of this problem and things go well in your Android Smartphone.Turning on or off Airplane modeFirst, let us start with the least complicated tricks. Sometimes turning the Airplane Mode On or Off do the tricks in some malfunctioning of certain apps or intermittent crashes and this might work in Google Play Store as well.Toggle Wi-FiTry restarting your Wi-Fi router or switching Wi-Fi connection off and On. Sometimes Google Play Store issues can also be triggered by connection problems.Restart or Reboot your Phone.In most cases restarting the phone or rebooting does tricks for some errors. There is no harm in trying this, as restarting or rebooting the phone is quite simple.Clearing the cacheLike web pages, smartphones are designed to store frequently used data in cache memory, in order to increase loading speed and processing time and also reduce CPU and data usage. Over time, these accumulated data are pile up and can lead to memory conflicts on your phone. Clearing the cache frequently can be a good idea.To clear the cache just head over to Settings, choose Apps and then select Google Play Store from the list by tapping on it. Now, tap the Clear cache button which is available at the App’s information page.Just in case, if you don’t know where to start:Go to Settings> Apps> All> Google Play Store> clear cacheAfter clearing the cache, check whether your Google Play store is working or not. If the problem still persists please proceed to the next step.Delete Play Store Data If the previous tip didn’t help, then you try deleting the data from the Play Store. Please note that clearing Play Store Data takes the app back to square one and gets rid of your saved information, in some cases including whatever glitchy data was causing the problem. You will have to sign in again when you access the Google Play Store.Like in the first tip, Go to Settings > Apps > All> Google Play Store> Clear Data. This time tap on Clear Data.Uninstall Play Store UpdatesSometimes an update to your Play store versions may create problems in your android device. If you think that’s the case, it makes sense to uninstall the updates. Before uninstalling make sure you backed up that Play store version. Uninstalling updates revert back to older version of the Play Store app you can always update it again afterward when the problem is solved, so don’t worry – this is a safe procedure.Go to: Settings >Apps > Al l>Google Play Store > Uninstall Updates. Tap on Uninstall Play store updates” button.Clear Google Play Services Cache and DataIf the above tips don’t work, then the issue could be with the Google Play Services. Now let us concentrate on Google Play Services and see what it can be done. Google Play Services is the heart of Apps, all the apps installed are powered by the Google Play Services. Like any other applications, this Google Play Services can fail at times, you head over to Google Play Services through the settings.Like Google Play Store Google Play Services are also known to cause intermittent issues with older apps as their cache starts piling up over time. So, it is a good practice to clear up the cache and data.Go to Settings > Apps > All > Google Play Services then tap the Clear Cache. If the problem still exists, tap on Clear Data button.Enable Download ManagerWhen disabled Download Manager it often causes various problems, sometimes the Download Manager turns itself off without notice. If the Download Manager is off, the Play Store will automatically stop working and as a result of downloading and updating apps is disabled as well. Check whether your Download Manager is disabled you’ll see a button marked “Enable”. Simply tap this button to switch Download Manager back on.Go to Settings > Apps > All > Download Manager.Remove Google Account and Add it back onAt this stage, if your app still isn’t working, then you may need to reset your Google account. Some users report that resetting Google account has helped them to fix Play Store issues. All you have to do is to remove the present Gmail account, and then add it back.Go to Settings > Accounts> GoogleSelect the Google account that you are using for the Google Play Store app.Tap the menu icon (three dots) at the top right and tap Remove. Do this for every Google account on your device. ‘Remove Account’. Confirm your choice and reboot your smartphone.Now after restarting device Next, go to Settings > Accounts > Add Account > Google and follow the on-screen steps to re-add your accountCheck Date and Time SettingsIncorrect date and time settings could often cause issues with Google Play Store servers, as there is a mismatch Google’s servers might have a problem in syncing with date/time settings on your phone. Just check your device date and time this might help.Disable Proxy or VPN SettingsThere has been a report that many VPN and Proxy users have been affected with Google Play Store issues. Disabling or deactivating Proxy settings seems to be the only viable solution to this problem.To access these Settings, long-tap on your router name, click on Advanced and select Wi-Fi.While VPN settings are under Wireless and Networks category and look for “More”Phone Factory Data Reset After having tried all of the above tips, then you may have little choice but to do a factory reset. This is the last resort or the only way out of Google Play misery. Please note that all of your data will be erased, so perform a complete backup beforehand. Once you reset data, your smartphone will be revert back to how it was when you first started using or bought it.To perform this task:Go to Settings > Backup & Reset> Factory reset DataTap the Factory data reset button at the bottom. Wait for the reset process to finish, the phone will switch off itself and back on. This method might fix the problem.For Rooted Devices: edit hosts fileIf your phone rooted, then you just need to edit hosts file by navigating to system/etc/hosts and select the Edit option.Root Directory » Local system/etc/hosts » Adding #Add a hashtag (#) to the front of the second set of numbers and save your changes (i.e. change from 127.0.0.1 to #127.0.0.1). 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Also, you can check the Air France’s website and then call the airline agents to book if you find the space.In addition, the Korean Air partners with the Hawaiian Airlines as well as the Alaska Airline provide you with other greats alternatives in case you need to fly to Hawaii. Through the partnership, you have vast range of non-stop paths to various Hawaiian airports that allow the Korean Air miles and fly points bookings. These booking points include Los Angeles, Portland, San Diego, Seattle (SEA), and Atlanta among others. However, the mileage need for these parties is different from the Delta flights requirements.Currently, the Korean Air does not partner with the Chase Rewards, but allows you to earn Marriot points which you can transfer to Korean at affordable rates.Air FranceThe second SkyTeam alternative for booking awards flight to Hawaii that we propose for you is Air France program.Booking Award Flights with Air FranceJust like with Korean Air, Air France enables you to book award flights on Delta as well as their other partner, the Alaska Airlines. However, unlike Korean Air, this airline fails to have distinct redemption rates. This airline has a number of benefits over the Korean Air. For instance, it is easier to look for award spaces on Delta by use of the airline’s online search. Further, Air France has the capability to book a one-way award ticket at a cost that is half the mileage cost.However, if you are planning to fly to Hawaii by booking an award ticket on Alaska Airlines, you have to go through a different process. It is not possible to find the award space by use of the online search by Air France, so you are required to call and request an agent to look or make use of America’s Airlines website to search. The Air France partners with both the Chase Ultimate Rewards and American Membership Reward to enable you to earn the Flying Blue miles and fly points.Singapore Airlines KrisFlyerThe Singapore Airlines program partners with the Star Alliance to offer you an option to book for Hawaiian award flights on the United Airlines. You have the option of using the United MileagePlus in booking for the awards. however, using the Singapore Airline to fly to Hawaii saves you many points.Booking Award Flights with Singapore Airlines KrisFlyerEarlier on, booking an award flight using Singapore Airlines’ partner required you to search for space on the website through Air Canada’s Aeroplan program to provide dates and number to a Singapore Airlines’ agent. Also, you could call to book. Luckily, you have much better alternatives since the Airlines enable you to look for and book award flights using the Star Alliance partners.The Singapore Airlines program partners with the four transferable points programs for you to earn points and miles.British Aiways Executive ClubThis airline gives you the option to fly to Hawaii. You can use the airline when you book for Alaska's award flights.Booking Award FlightsThis airline makes use of distance-based reward sheet which means that the total count of Avios needed in booking an award flight is determined by your distance of flight. Nonstop flights are, therefore, ideal for you to increase your points. The British Airways offers you with 12 non-stop flying points for booking including Anchorage (ANC), San Diego (SAN) and Seattle (SEA) among others.You can earn British Airways Avios by transferring points from Chase Ultimate Rewards or from the American Express Rewards. Moreover you can use co-branded credit card given by Chase.BonusThe main focus is on the non-stop paths to Hawaii. However, our bonus alternative has both the non-stop paths as well as those with a single connection. You can make use of the Singapore Airline miles or fly points to book a flight on Alaska Airline or the United Airlines.Finding Lie-Flat Business Class SeatsThis is a class that allows you to fly to Hawaii in style. Finding such a flight is hard, however. We offer you a list of the best Airlines that offer this business class. These include the Delta Air Lines Airbus A330 and Boeing 767, United Airlines Boeing 777, 767, and 757, American Airlines Airbus A330, Boeing 777 and 767 and Hawaiian and Airlines Airbus A330.ConclusionRegardless of the fly points you have, it is possible for you to book a Hawaiian award flight. The flight to Hawaii requires few fly points which enables you to tag along a friend or a family member. This information helps you book in less or no time by providing you with detailed information of the booking process.

We can use Technology to provide education to children: We can give quality education by using the technology and by connecting to the globe, and where ever possible reuse the existing information.Use a commonplace for school, like the temple, church in absence of school.EDU-VAN for education: Mobile van will contain equipment like Computer, Mobiles, Mobile gadgets like memory card, Mobile/Radio charge outlet which will be used by the teacher and students. The mobile van can reach to the remote place and can be used to teach the students. The recorded media like pdf can be saved in the mobiles so this will serve as a textbook for children. The children can take the mobiles to their home and can learn. The usage of recorded media such as videos from youtube, how stuff works will help the children to learn at faster/own phase. Probably some rights are needed as these materials are been used by an organization. We need not invest a huge amount in mobiles there are many organizations that recycle the mobiles, with the advancement in technology probably we can get the recycled mobiles at a cheaper rate, and can have the recorded materials in it. Moreover, we need just a device to play media files and have pdf so that will not cost much.Google Hangout-based education: We can ask students from other countries, to provide online class sessions to the refugee camp students. If we can design a Time-Zone based Time Table, and by having collaboration with schools and colleges we can execute this idea. As a part of social service activity, points credit should be given to the students and teachers of various school, where they will be spending 2 to 3 hrs a week in teaching the children on their favorite subject. At the end of the session, the google hangout video will be available which can be used as recorded material and can be reused for clarifying doubts and refreshing the subject.Radio-Based Education: Still there are places which may not have enough electricity so we can use the radio in those places. 3 or 4 dedicated channel for education, where the subjects can be broadcasted repeatedly and weekly once. Children can attend the school (a common place like temple/ Van) and can get their doubts clarified. If that is not possible an interactive radio session can be conducted/Email based question-answer session can be conducted where the children can post their question to the staff/teacher they will send a mail to other teachers and will provide an answer.Bring Innovation in Teaching: In today's world innovation cannot be ignored, so even the teachers should keep learning, and should introduce new approaches in learning, there are many online free courses on creativity and Design labs. Which will be useful for teachers and students. So the teachers/students can enroll in those courses and can share their experiences. One such course is by Novo Education, Creativity course by Tina Selig https://novoed.com/creativity, where you get a chance to interact with professionals from various background. "Nothing can replace Experience, and when some shares it please absorb it!"Knowledge Sharing Session: Let the students learn through the recorded media, and let them be one day teacher. Where the student takes the class for other students, the idea is to improve their confidence and soft skills which are required for their future. In the advanced version of knowledge sharing the refugee students can take the class to the foreign students so they can overcome their fear.Advanced Skill Learning: We can use some mobiles to have an advanced skill set learning, which contains recorded materials on various subjects like "Languages, Photography, Journalism " etc let the student learn these skills through the recorded media. Then UNHCR can conduct a workshop on that subject based on the enrolled student's strength. The accelerated workshops and apprenticeship help them to achieve the job.Security Issue: One of the main reasons, girls avoid school is security reasons. If we can deliver the materials through recorded media through mobiles, we don't need even the internet, they can play the recorded materials and pdf at their own phase. They can clarify their doubt once or twice in a week when the Edu-Van reaches their place. "It's better to learn, than being taught." Moreover most of the girl's dropout during the secondary education and by using the animations we can teach them easily as the  "picture is worth more than a thousand words"!Divide and Conquer Education with informal discussion: Let the girls interact with each other, their neighbor/ friend let them learn one subject properly and share the learning with other girls in their locality.Time Management: When a girl becomes pregnant, or she has household responsibilities she cannot spend enough time in school, with the help of recorded media she can learn the things at a faster pace, and by giving 3-4 hours on the important subject she can achieve a good education. After a certain age " We can learn by our-self, but we need to invest ample time and confidence to achieve it.Advanced Skill Learning: We can use some mobiles to have advanced skillset learning, which contains recorded materials on various subjects like "Languages, Photography, Journalism " etc let the student learn these skills through the recorded media. Parents and Families: Parents should encourage their children to attend the technology-based school, as schooling is delivered to their home. So the security issue is been addressed. At the max, their children have to visit the EDU-VAN or Church-based school weekly once or twice. This is a chain reaction when one family follows it, others will start doing it.Communities: The communities can help in setting up the school in the church or other common places, and they have to spread the message that "By educating a girl they are educating their society" during the public gathering they need to spread the message of Technology based schooling and their advantages, such as their children has a good scope to get a job, quality education.So this encourages the parent to send them to school.Though all of these are thoughts can this be realized?

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IntroductionSo, the buzz is data science. We are now discussing everywhere there was a big hype in the media about the data science. If you look back sometimes early 2000 you could see people start talking about it regularly and frequently. However, it was originally presented back in the sixties in academia. In Sep 2012 data science has been awarded as “The Sexiest Job of the 21st Century” at Harvard Business Review, a prestigious and very popular magazine by Harvard Business School. Now you could imagine how it able to grab all recent attention and limelight.Now, what is data science?In short, a scientific way to look at, analyze data which in turn would open up a new dimension of available information. This is a sophisticated disciple requires statistical knowledge and computer programming skill. Data science is a complex disciplinary. Data science become a new and “sexist” profession in the world. Behind this success a long story there was the combination of the mature discipline of statistics on computer science and especially delegate a new phase that involved with a vast story of big data. A long history has been associated to make a sense of data science. It has been analyzed by a scientist, computer scientist, Liberian, statistician and other. The following information gives a brief idea about how the term data scienceevolved, related term and it’s used..Early daysData science has been formally introduced evolved to become the sexiest job in the world. There were several mathematicians, scientist and international organizations who played the key role directly or indirectly. Interestingly those contributions were not related to data science always, however, they have defined few building blocks which was very important for data science discipline.International Federation for Information Processing established in 1960 under UNESCO who set some key guideline and concept on data, how it should be processed and what standard should maintain. However it was not data science at all, but it defines a systematic way of data processing and presenting. Before those guidelines, there were data presentation or processing was limited to individual domain and used to be very difficult to interpret on the other domain. They first introduced a term Datalogy in 1968 to formalize this data analysis practice.John W. Tukey who was an American mathematician and famous for the development of FFT algorithm and box plot. He writes the book ‘The Future of Data Analysis’ in 1962. He first brought the idea of the relationship between the statistic and analysis or more preciously data analysis. Earlier data analysis used to consider as “applied” disciple of Statistics; which makes the scope very limited and scoped within the business area. In this book he writes:“For a long time, I have thought I was a statistician, interested in inferences from the particular to the general. But as I have watched mathematical statistics evolve, I have had cause to wonder and to doubt……………I have come to feel that my central interest is in data analysis, which I take to include, among other things: procedures for analyzing data, techniques for interpreting the results of such procedures, ways of planning the gathering of data to make its analysis easier……………….A large part of data analysis are inferential in the sample-to-population sense but these are only parts, not the whole… Data analysis is a larger and more varied field than inference, or incisive procedures, or allocation.”This book has been cited several times in many research paper as the formal introduction of data analysis outside Statistical disciple. At later stage researchers come up with several hypotheses to derived another dimension of the same data resulting in a better decision making.One important thing to notice Tukey was a Mathematician, not a Statistician; who blends statistical analysis and mathematics together to make data analysis more “scientific” and acceptable.In the year 1977 Tukey published his another major work: Exploratory Data Analysis. He bought another major idea on how “Explanatory” and “Confirmatory” data analysis should be done and he stressed upon “Side By Side” approach. That means we need the new or revised hypothesis to do this analysis side by side. But why this idea was so important? As mentioned before contemporary data analysis used to be a statistical disciple and limited to the specific domain. For example, a particular hypothesis may be useful to find out a type of health issues of the population but the same hypothesis might not be applicable to another area like identifying a quality of a particular corp.Another important name that came after Tukey is Peter Naur. In 1974 he published “Concise Survey of Computer Methods” in Sweden and The United States. The book is a collection of modern data processing method from various domain used worldwide in the verity of applications. Other important fundamental aspects of the book were data standard or guidelines defined by International Federation for Information Processing. Which makes those ideas more acceptable and interpretable with wide ranges of audiences. In fact, those ideas detailed in the book comes with a short survey or example data processing. In this book, he used the term “Data Science” several times. At the later stage, Naur produces the new or formal definition of data science. “The science that dealing with data, once they have been established, while the relation of the data to what they represent is delegated to other fields and sciences.” From this time the term ‘Data science’ is used very frequently. But it really took a long time to catch on. After his paper data science is pushed towards more and more.In 1977, The International Association for Statistical Computing (IASC) was originated. It is included as the sector of International Statistical Institute (ISI). The main aim of IASC is to connect and exchange statistical computing worldwide between statistician, computer professional, educational institute, researchers and government on various subject or domain. They start publishing a monthly journal named “Computational Statistics & Data Analysis”. This was a tremendous move as it helps with knowledge sharing and new ideas on computational statistics and data analysis. If you notice by this time data analysis become and has been accepted as an important disciple.In 1989, first ‘Knowledge Discovery Database Workshop’ has been organized by Gregory Piatetsky- Shapiro, also known as KDD-89. KDD-89 discussed these areas,Expert Database SystemsScientific DiscoveryFuzzy RulesUsing Domain KnowledgeLearning from Relational (Structured) DataDealing with Text and other Complex DataDiscovery ToolsBetter Presentation MethodsIntegrated SystemsPrivacy

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The Himalayas, which are a favourite muse for anyone in the world who seek wisdom and peace, hides some of the most fascinating tracks for trekking and hiking. Trekking enthusiasts, flock in large numbers to experience this alpine wilderness and picturesque landscapes. The variety and diversity of terrains, takes Nepal a notch higher than other such adventurous destinations. It is undermining to say that Nepal has areas that provide a once in a lifetime experience, unless you have experienced Nepal for your own self.Nepal is a country that hosts 70% of the entire Himalayan range. It also hosts Mount Everest, (the highest mountain in the world) which maybe but a fraction of what is there to discover in Nepal.There is a little bit of a trekking heaven for everyone. It offers short hiking trips that last for about 5 days, medium treks for about 12 days long and long treks for up to 20 days in the wilderness.Here is a list and statistics for scaling some of the most famous trekking in Nepal:1. Northern Kanchenjunga trek (eastern Nepal):The difficulty level of the Northern Kanchenjunga trek is hard. It is an estimated 18-20 days trek and you reach an elevation of around 5,140 metres. For this trek your starting and finishing points will be from Basantpur to Suketar. You will find warm accommodation in teahouses. There are no permits required to do this trek, instead you have to pay 10 US dollars per week.2. Phoksumdo Lake to Shey Gumba trek (western Nepal):The difficulty level of the trek is medium to Hard. It is an estimated 8-10 days trek and you reach an elevation of around 5,160 metres. For this trek your starting and finishing points will be from Jomsom,Dunai to Tarap. You will find warm accommodation in teahouses. The permits required to do this trek are: Shey Phoksumdo National Park Permit, TIMS card and Restricted Area Permit.3. Kagmara trek (western Nepal):The difficulty level of the Kagmara la trek is medium to Hard. It is an estimated 4 days trek and you reach an elevation of around 5,115 metres. For this trek your starting and finishing points will be from Kaigaon to Sumduwa. You will find warm accommodation in teahouses. The permits required to do this trek are: Shey Phoksumdo National Park Permit and TIMS card.4. Annapurna panorama Poonhill trek (Annapurna region):The difficulty level of the Annapurna Poonhill trek is medium. It is an estimated 06 days trek and you reach an elevation of around 3,210 metres. For this trek your starting and finishing points will be from Birenthanti to Phedi via Poonhill. You will find warm accommodation in teahouses. The permits required to do this trek are: ACAP permit and TIMS card.5. Annapurna circuit (Annapurna region):One of the most enquired routes is the Annapurna circuit trekking in Nepal, which is a little tougher than any other trekking routes.The difficulty level of the Annapurna circuit trek is medium to hard. It is an estimated 12-18 days trek and you reach an elevation of around 5,416 metres. For this trek your starting and finishing points will be from Besi Sahar to Jomsom. You will find warm accommodation in teahouses. The permits required to do this trek are:  ACAP permit and TIMS card.6. Mardi Himal (Annapurna region):The difficulty level of the Madri Himal trek is Hard. It is an estimated 5 days trek and you reach an elevation of around 5,587 metres. For this trek your starting and finishing points will be from Mardi Pul to Mardi Himal to Mardi Pul. You will find warm accommodation in teahouses. The permits required to do this trek are: ACAP permit and TIMS card.7. The mustang trek (mustang region):The difficulty level of the upper Mustang trek is medium. It is an estimated 10 days trek and you reach an elevation of around 4,352 metres. For this trek your starting and finishing point will be from Jomsom to Manthang lo to Jomsom. You will find warm accommodation in teahouses. The permits required to do this trek are: ACAP Permit and TIMS card.8. Everest base camp trek (Everest region):The difficulty level of the Everest base camp trek is medium to hard. It is an estimated 16 days trek and you reach an elevation of around 5,545 metres. For this trek your starting and finishing points will be from Lukla to Lukla. You will find warm accommodation in teahouses. The permits required to do this trek are: Sagarmatha National Park Permit and TIMS card.9. Manaslu trek (Manaslu region):The difficulty level of the Manaslu trek is medium. It is an estimated 16-18 days trek and you reach an elevation of around 5,100 metres. For this trek your starting and finishing point will be Besi Sahar. You will find warm accommodation in teahouses. The permits required to do this trek are:  a restricted area permit, ACAP and MCAP permit and TIMS card.10. Helambu circuit trek (Helambu region):The difficulty level of the Helambu circuit trek is easy to medium. It is an estimated 06 days trek and you reach an elevation of around 3,640 metres. For this trek your starting and finishing point will be Sundarijal. You will find warm accommodation in teahouses. The permits required to do this trek are: Shivapuri National Park Pass and TIMS card.There are so many more treks in Nepal. So whether you’ve come around looking for something easy yet adventurous or you’ve come looking for something hard to challenge your limits, Nepal is the best place to find all these options all under the same roof. 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Quicken allows you to sync your accounting software with different financial institutions so that you can have access to all your transactions in one place. The Pennsylvania State Employees Credit Union, or PSECU as it is commonly known, is a credit union that is controlled by its members and offers a range of financial services. If you have a PSECU account, you can connect your online services to Quicken so that it becomes easier to manage your finances. However, users may encounter a technical error while reactivating the PSECU account in Quicken. PSECU Error CC-501/193 is a common technical error that occurs when the user wants to refresh the PSECU account. This blog will help troubleshoot the PSECU Error CC-501/193 so that you can update your transactions and continue using Quicken. If you find that the occurs frequently, you can call the quicken toll free number and ask for assistance.Steps to fix PSECU Error CC-501/193 in QuickenPSECU returns error CC 501/193 because there is too much traffic on the Pennsylvania State Employees Credit Union website. The high traffic prevents users from downloading transactions into Quicken. You can follow the steps given below to refresh your online account information and fix Quicken PSECU Error CC-501/193:Step 1: Run Quicken on your computer and open the transaction register.Step 2: Search for the PSECU account with the error messageStep 3: Press the actions gear icon located in the upper right of the register.Step 4: Click ‘Update Now’ and then follow the on-screen instructions.Step 5: You must remember to follow the same process for each account with this errorBefore you update your PSECU you must remember to back up the Quicken data file. Once you refresh your PSECU account information in Quicken, you can restart the program an check if the error persists. If you cannot complete the steps mentioned above, you should wait for some time and try again. In case you still cannot update your transactions, there may be some script issues that require additional troubleshooting. You can call the quicken phone number and speak to a professional software expert to implement a more advanced technical solution to fix PSECU Error CC-501/193 in Quicken. Trained Quicken experts are available 24 hours a day and will be able to give you the best solution for any software error you may encounter while using your accounting software.Read more:      quicken technical support number                              Source URL: PSECU Returns Error CC-501/193 – Contact Quicken Support

Reserve bank of india has recognized ed that limited access to affordable financial services such as savings, loan, remittance and insurance services by the vast majority of the population i the rural areas and unorganised sector is acting as a constraint to the growth impetus in these sectors. Access to affordable financial services, especially credit and insurance enlarges Livelihood opportunities  and empowers the poor to take charge of their lives. Such empowerment aids social and political stability. Apart from these benefits, FINS impart formal identity, provides access to the payments system and to saving safety net like deposit insurance. Hence, FINS are considered to be critical for achieving inclusive growth.Which itself is required for ensuring overall sustainable overall growth of country.FINS can be thought of two ways. One is exclusion from the payment system i. e. not having access of bank account. The second type of exclusion is from formal credit markets requiring the excluded to approach informal and exploitative markets. After nationalisation of major banks in India  in 1969,there was a significant expansion of branch network to unbanked areas and stepping up of lending to agriculture, small industry and business. More recently, the focus is on establishing the basic right of every person to have access to affordable basic banking services.

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