One of the major areas where many companies focus in today’s changing times is keeping the employees updated about the latest trends. The best way to do the same is via trainings. As every business has a unique set of challenges, generic trainings, especially in areas of sales & marketing might not be very helpful for the business.

As this was not a one off problem, Arun Subramanian and his other team members decided to solve this problem for different industries by providing tailor-made training solutions. This is how he & his co-founders came up with the idea of Enparadigm, a tech-driven learning solutions company transforming performance.

The solutions help people get better at the hidden details of their jobs, the nuances that usually take years to learn by taking a holistic, sustained-learning approach and driving change in both business and behavioural competencies. Enparadigm develops proprietary algorithms and leverage AI to build advanced digital simulations, SMART micro-learning platforms, and sales enablement apps.

Today, we have a chat with Arun Subramanian, Co-founder & Chief Of Strategic Initiatives at Enparadigm regarding the offerings, challenges faced by L&D teams in organizations, and much more. Let’s get started with the Q&A….

Can you give a brief introduction about the company and the core team behind Enparadigm?

At Enparadigm, everything we do is geared towards building employee capability to drive business outcomes. We are a technology-driven learning solutions company.

We help organizations grow by enabling their front-line workforce to become sales ready, and delivering high-quality learning experiences that have zero-degree separation from the performance context. We achieve this through proprietary, award-winning learning tech, industry expertise, and connecting learning to performance context in the role. We have helped 500+ clients from across sectors drive growth and leadership.

We are a fast-growing company led by a group of IIM A alumni founders: Hanuman Kamma – Co-founder & CEO, John Cherian – Co-founder & Executive Director, Kumar Veetrag – Co-founder & CTO, Arun Subramanian – Co-founder & Chief of Strategic Initiatives. Today, we are a team of 80+ people delivering end-to-end learning solutions company from product development, content, design, and facilitation, to reporting.

How did you come up with the idea of Enparadigm?

Enparadigm was born out of an annual campus festival at IIM Ahmedabad. We created a virtual platform from the ground up to conduct a game for the annual festival. It was, to us, an interesting idea. A way to do something different and exciting. Not only was the event a grand success, everyone appreciated our virtual platform that created a competitive marketplace.

Our professors told us that what we had built was a simulation and that it held great potential in the helping professionals learn. We knew then that along with the human touch, we wanted to explore the power of technology in learning.

What are some of the business verticals that Enparadigm caters to?

Over the years we have developed a keen focus on enabling sales readiness of the front-line workforce in sectors like BFSI, FMCG, and retail. In addition to this, we have developed 25+ unique simulation platforms that are fine-tuned to address different roles in various sectors.

We have worked with 20+ sectors including IT/ITES, BFSI, Retail, FMCG, Pharmaceuticals, Apparels and Textiles, Automotive, etc.

Coming up with the core learning for any type of business requires deep understanding about the intricacies of business. At what stage can Enparadigm pitch in to come up with customized training modules?

As mentioned, we have a wide variety of platforms and they are specialized for various roles. This spans the entire organization structure, right from the leadership to the front-line workforce.

Enparadigm started as a leadership training and development company in the early days, when we were operating out of the IIM-A incubation center. We were mainly addressing the C-suite and upper-middle management. We had built a very good reputation and during this ‘take-off phase’ of our Company, organizations started to approach us for solutions for their middle managers and front-line workforce.

While we did not have a solution ready at that point we realized two things. One, there were tremendous business challenges to be solved in enabling the bottom third of the pyramid in any organization. Achieving this was crucial to the growth plans of the organization. Two, reputed organizations we had worked with trusted us to help them develop their employees into high performers and future leaders.

Today, one of our key focus areas is to enable organizations to expand by enabling their front-line workforce to become performance ready quickly. We have a rich library of content; and we work with organizations to understand specific business needs to deliver immersive learning experiences for large cohorts or for smaller groups, in one go. We continue to deliver leadership programs for the c-suite and mid-level managers as well but, we have grown to address the entire spectrum of the organization.

What are some of the popular business areas [e.g. sales, marketing, etc.], where businesses require Enparadigm’s domain expertise for L&D of their resources?

  • Management – from entry level to senior leadership,
  • Sales – Direct and Distribution sales structures across the hierarchy
  • Building sales readiness of the front-line workforce,
  • Project Management & Delivery
  • Operations
  • Human Resources
  • Customer Experience

We address all these areas. We also cover sector specific functions like retail analytics and store management in retail to name a couple.

What is sales readiness and how does Enparadigm help front-line sales?

Sales function is definitely a key area where businesses require our solutions as they look to expand beyond urban areas to grow. The front-line workforce sees a high rate of infant attrition – people leaving in the first 6 months of employment. There are some significant cost elements associated with this problem.

One, low sales productivity – Going  by the reports one reads, a number of sales people take at least 6 months before getting sales ready. Most of them quit within that  time, leading to low sales productivity at an organizational level. Two, opportunity Loss related to stalled market expansion which is a few multiples of lost sales productivity.

The other challenge from an employee standpoint; to give you an example from BFSI, is that many front-line sales people join with the expectation that that they can make significant money in a short span of time. For example, in insurance and financial service sectors, the ability to constantly build relationships with new prospects and strengthen the connect with existing customers is important.

Apart from the organization’s efforts, it requires a lot of rigour from the employee. In our experience, this is something a lot of new recruits overlook when they join a company. This segment requires a lot of timely input and training to handle the high pressure and expectations of the business.

Training has to be relevant, timely, and scalable; and help them learn in the flow of work. More importantly, training has to help people who are working remotely, overcome the free agent mindset and perform in a systematic manner. Since sales as a function is high on human quotient training also needs to reflect that. This is where we come in.

We think that there is an impactful solution in approaching it as a bundle

  • Building ‘readiness’ to perform during the infant attrition phase
  • Enabling the sales force with the right set of tools that will significantly enhance on ground performance and customer engagement thereafter

Every business and each stage in business has its own unique set of challenges. How does the team at Enparadigm identify the gaps and come up with unique training models for every stage of business?

We follow a rigorous approach before implementation of any program. Some of our solutions are plug and play and organizations can go live with them in just a few days.

However, we always work with stakeholders within the organization to know the specific needs to be addressed. Together we decide on the objectives to be driven and we base our program design on this process. If required, any customization would also be made at this stage.

How does Enparadigm leverage AI, Machine Learning, behavioral science, qualities unique to the learner to enhance the learning experience and contribute to the business growth of your client?

In short, we use AI to personalize the learning path and deliver content at the time of need. Based on the speed on learning, previously covered topics, user behavior, and other data points our platform is capable of delivering topics that employees tackle next. We also employ a whole host of ‘smart triggers’ within the app to boost adoption and regular engagement.

We already see AI playing a huge role in translating content to vernacular languages. Going forward, we only see this increasing ensuring that a salesperson sitting in a rural area will have access to learn just the same as someone who is operating out of a branch in Mumbai, closer to headquarters and resources.

What are some of the inputs that your team would need from the client to come up training courses [e.g. business line-up, skills of employees, competition, stage of the organization i.e. startup, growth, hyper-growth, etc.]?

Over the years, we have worked with most major industry sectors and we have fine-tuned the products and services to cater to various roles in each of those sectors. Our solutions to enable sales readiness are built with deep domain knowledge. They are  designed with on-ground research and inputs from salespersons from different parts of the country. We think that it a robust model with a strong foundation.

Having said that, every company is different and there is always some adapting to be done. We always work closely with organizations to understand some of the granular differences that may exist even between organizations operating in the same industry and adapt accordingly.

There could be instances where competitors from the same business vertical e.g. e-commerce websites take learning services from Enparadigm. How do you ensure that ‘solutions/training modules for common problems’ are still unique for each of them?

While functions or role titles may be the same, no two organizations are alike. Going from our previous point, every organization may have slightly different employee profile, and may want to address a particular set of skills.

Designing and delivering a learning program from end-to-end depends on all these factors. While certain parts of our content library applies to  sales as a practice in general , in cases where we need to address some salient objectives within each organization, we work with stakeholders to design an apt solution.

Arun Subramanian of Enparadigm

The evolution of digital India and wider internet penetration, every aspect of business [sales, marketing, business development, etc.] is changing at a rapid pace. How does Enparadigm work on the micro & macro development of business and their employee’s skills [Can you comment from typical businesses which are planning to leverage Digital technologies for business expansion?]

A Mckinsey study estimates that by 2030, more than 50% of at least 10 of India’s 29 states will be urbanized. So, opportunities in these newly urbanized areas and beyond is going to drive business growth and GDP.

Increasing access to mobile networks and smartphones is helping organizations overcome some of the boundaries of traditional infrastructure and expand into new territories. Not to mention, mobile-based programs are a great fit for the millennial generation that has grown up as digital natives.

However, being available on smartphones is not enough. There is  a need for localization and getting new recruits to relate to the learning process. These aspects remain a challenge for many companies and hence adoption remains low and attrition is high.

At Enparadigm, we  take a multi-pronged approach to capability building and technology is only the starting point.

Can you comment on the funding status of Enparadigm?

The Company is profitable and we have had some angel funding. For now, the financials are healthy and we continue to focus on strengthening that. We may raise series A funding in the future.

Who are the competitors of Enparadigm and what are some of the steps that the company takes to stay ahead of the curve?

The learning space has grown quickly over the last decade. We have always been a forward looking company and Enparadigm has differentiated value proposition since day one. We have a wide array of highly customizable platforms that are fine-tuned to address different sectors and roles in various functions.

These tech-driven, immersive, hands-on learning experiences add a high degree of relevance, and allow for learning by doing. We continue to work on incorporating new-age technology in a manner that enhances the learning experience and impacts business outcomes.

What are some of the steps that Enparadigm takes in skill development of its own employees so that it can be a trendsetter in the learning & development sector?

One of the key characteristics for people joining team Enparadigm is a willingness to learn. We are an agile, end-to-end learning tech company. Every team collaborates closely with every other team to help refine the end product.

This entails that one needs to have a basic understanding of what other teams are doing and how they contribute to the end product. Apart from this agile work environment, as the team has grown, we are offering individual members more formal learning plans as well.

Any closing remarks on starting up, scaling up or fund raising for aspiring entrepreneurs or entrepreneurs looking to raise funds?

One of the key things is to focus on a large enough problem that has an addressable market. It is easy to focus on solving an interesting problem with no market to address and miss the big picture.

Other than that, it is important for entrepreneurs to be able to understand the users of their product or service. Spend time with them and get continuous inputs. Be willing to iterate fast and make the experience better for them.

We thank Arun for his time and sharing insights about Enparadigm and how it’s offerings can be used by businesses to tackle their L&D requirements. If you have any questions for Arun or the Enparadigm team, do leave them in the comments section..

Vodafone Idea Business Services (VIBS), the enterprise arm of Vodafone Idea Limited launched WebBuddy – a complete suite of online presence tools that can power Small Businesses. WebBuddy is a Do-it-Yourself website builder, which enables small businesses to set up their professional responsive websites, get advanced business email, or start selling products through an integrated e-commerce solution.

Vodafone WebBuddy allows businesses to set up their online presence in 3 simple steps

  1. Choosing the domain
  2. Customising the content into the available templates [Content Management System]
  3. Publishing the website.

WebBuddy’s easy to use Content Management System includes 100+ customizable templates by industry, eliminating the need for any kind of coding allowing Small Businesses to DIY and customize to their needs.

Additionally, WebBuddy also offers search engine optimization support, custom domains, business emails, social integration, and email marketing tools among others. WebBuddy has been developed in alliance with Hostopia, a white-label platform for suite of small business solutions.

Speaking on the launch, Anil Philip, SVP-Products, Solutions and Partnerships, Vodafone Idea Limited said

Digital India provides tremendous opportunities for small businesses, MSMEs, however, many of them still shy away from taking their business online because of the perceived technology and cost challenges. With WebBuddy we are making it easy, simple and cost effective for small businesses to grow their online exposure and enable their business.

Sharing his views, Jorge Carvalho, General Manager, Hostopia, said

We have a longstanding relationship with Vodafone Idea and look forward to supporting them in this journey to provide innovative solutions that can transform its business service offerings to small business customers.

Through this collaboration, Vodafone Idea will be in a position to start servicing the needs of these businesses by providing all of the critical tools that they require to help develop a brand, easily get their business online, start selling, and increase their online exposure so that they get in front of the right customers.

WebBuddy will help small business get a professional edge with email Ids mapped to its domain, email marketing tools and even selling online with our e-commerce integration solutions. Through WebBuddy, Vodafone Idea aims to be the partner of choice in the digitization journey of Small Businesses.

For more information, please visit https://www.cloud.vodafone.in

Ratan Tata, Chairman Emeritus of Tata Sons to invest an undisclosed amount in Pune-based electric vehicle start-up Tork Motors, just before the commercial launch of its flagship product T6X. In past, the company has raised funds from Bharat Forge and Bhavish Aggarwal [Founder of Ola Cabs].

Tork Motors, is a maker of indigenously developed electric vehicles. The ‘Made in India’ product is built as a culmination of years of extensive research and development.

Powered by lithium ion batteries, T6X, the electric motorcycle, is engineered to travel at a top speed of 100 kmph, and runs 100 km on a single charge. The battery can be charged up-to 80% in an hour.  Tork Motors continues to further its state-of-the-art electric motorcycle technology with their signature TIROS [Tork Intuitive Response Operating System], the intelligence that will power the T6X.  Apart from analysis and compilation of data for every ride, power management, real time power consumption and range forecasts, TIROS also likes to learn how you ride.

Speaking about the investment, Mr. Ratan Tata, an avid thought leader in the EV space, said

In last few years, there has been a sea of changes in the attitude towards electric vehicles. This industry is changing rapidly and I place good value on the sound logic and the approach that the team at Tork Motors has taken.

Overall, I am very impressed and feel that this is the kind of spirit that should be present in every Indian entrepreneur.

This is a milestone moment in the journey of Tork Motors, as they gear up for the launch of their flagship electric motorcycle in the next few months. Speaking on the investment Kapil Shelke, Founder & CEO of Tork Motors said

Mr Tata is one of the most prominent business leaders in the world. I am glad that his office representative visited the factory, understood the concept, evaluated the product, and had ridden the motorcycle post which Mr. Tata took an informed decision.

An investment by him is an endorsement of the long-held belief by us that the Indian auto sector is going through a phase of huge growth and transformation. We are privileged to have him come on-board as an investor. Now with his support, guidance and mentorship, we are even more confident about carrying out our vision of promoting e-mobility in India.

Our business model is distinctively differentiated with an emphasis on an in-house development in technology and product advancement, with innovation at the core of our offerings. This investment gives us a great opportunity to gain more experience from the master himself. 

About Tork Motors

At Tork Motors consists of a team of problem solvers who are building electric vehicles that provide an elevated experience and raise the bar for the entire automobile industry. They put People, Planet and Purpose before everything else and our products are built to seamlessly drive us towards eliminating any barrier that exists between an individual, organization or region’s intention to adopt sustainable mobility and them actually getting to do it.

Bike insurance or two-wheeler insurance is an insurance policy which can include both third-party insurance along with own-damage insurance. While third-party damage indemnifies you from any legal claims resulting out of an accident involving your bike, own damage insurance provides cover to your bike because of any accident or damage. The Motor Vehicle Act in India makes it a statutory requirement for all motor vehicle insurance policies to have a third-party cover.

Image Source

You must always remember to have a valid insurance for bike as not having insurance is a traffic offence. As per the Motor Vehicle [Amendment] Bill, 2019, not having valid insurance for bike is punishable by a fine of Rs 2,000 and/or imprisonment up to three months for the first offence and an enhanced fine of Rs 4,000 for the second offence.

In 2018, the Insurance Regulatory and Development Authority of India [IRDAI] announced changes in insurance rules for bikes. For new bikes purchased after September 1, 2018, the IRDAI made it mandatory to avail five-year insurance for third-party.  This meant that the premium for third-party, for a total of five years, had to be paid upfront while purchasing a new bike. Owners of two-wheelers purchased before the specified date could continue with their existing insurance policies.

Here, you must remember that the IRDAI made changes about third-party rules. Own-damage premium could be availed both on a multi-year or annual basis.  The change in rules did affect rules about the no-claim bonus or the Insured Declared Value [IDV] of a bike.

Types of bike insurance plans

You can avail of two types of bike insurance plans

  • Third-party liability cover – This policy provides financial cover only to the third-party against damages by your bike.
  • Comprehensive cover – This policy covers any damages suffered by your bike and you along with the mandatory third-party cover. Other benefits include a cover for damages arising out of man-made and natural calamities and against vehicle theft.

Existing options for bike owners with regards to insurance policies: If you are a bike owner, you have the option of multi-year comprehensive two wheeler insurance policy, where the premiums for both third-party and own damage have to paid for multiple years, or a bundled policy, where you are required to pay own damage premium on an annual basis. You can opt for an annual policy or a multi-year policy on the basis of your specific requirements. But a multi-year insurance for bike is always advantageous vis-a-vis annual policies.

Benefits of multi-year insurance policies: Along with reduced costs on the bike insurance price through discounts by insurers, there are many benefits of multi-year bike insurance policies. Some of these include:

Hassle-free – You don’t have to worry about how to renew bike insurance online. At Finserv MARKETS, policy renewal is an easy and straight forward process. Forget the worry of getting your bike renewed each year amidst a host of personal priorities like filing of income tax returns, vehicle servicing, annual health check-up etc. If you forget to renew the bike insurance on the specified date, then you run the risk of riding with an invalid insurance. This is a punishable offence.

Saves from increase in premium – IRDAI and insurers revise the bike insurance policies on a regular basis, usually annually. Purchasing a multi-year policy protects you for the increase in bike insurance price due to revisions. So you can save money on the bike insurance price through reduced premium payments.

No Claim Bonus benefits – Insurance companies provide you with No Claim Bonus[NCB] for not making any claims for own damage during a year. In the case of annual policies, the NCB will fall to zero in case of no claims, and won’t be carried forward. But, in the case of multi-year policies, the NCB will be carried forward to the next year. The bonus can start from 20% at the end of the first year to a maximum of 50% for five consecutive years.

Easy cancellation – Even if you want to change your existing insurer after completion of the first year, you can easily buy bike insurance from another company and apply for cancelling the present multi-year insurance policy. You can receive a refund after your application is processed. What’s more, the NCB can be transferred as well through an NCB retention certificate.

Which multi-year bike insurance policy is the best?

You can consider Bajaj Allianz Two Wheeler Insurance policy, available on Finserv MARKETS, which provides you with attractive discounts on the bike insurance price. You can avail of hassle-free renewals with no requirement of bike inspection. Along with cashless settlement of claims at more than 4,000 network garages, you can avail of 24*7 roadside assistance. You can apply for getting a new insurance policy, or for renewal through a simple online process. You can also register your claims online, resulting in quicker settlement of claims.

At India Mobile Congress (IMC) 2019, Reliance Jio Infocomm Ltd (Jio) unveiled its patent-filed innovation – an Artificial Intelligence (AI) based Video Call Assistant [Bot] that can be accessed via a 4G phone call, without the need for installing any other application.

Image Source

The Jio Video Call Assistant has the potential to revolutionize customer support and customer communication use cases.  With this, current customer pain points like endless call-hold music or seemingly never ending IVR wait-times can become things of the past.

The innovative customer engagement video assistant solution has been developed by Jio in conjunction with US based Radisys, a Reliance Industries Ltd subsidiary & a leader in providing open telecom solutions to service providers worldwide.

AI based Jio Video Call Assistant empowers businesses and other users with speedy and effortless resolution of repetitive queries from their customers, making their frontend communication smooth. It also helps brands to offer an efficient and effortless high-quality customer engagement experience.

The Jio video bot uses a powerful AI-based platform to listen to customers’ questions and respond to them in the most appropriate way. In addition, the platform has a unique auto-learning feature that helps improve the answering accuracy.

The Jio Bot Maker, a tool that accompanies the Jio Bot platform, aims to democratise AI by enabling small businesses to create their own AI based Bot with no-coding and with minimal effort. The Video Bot can be highly customized to meet various customer engagement requirements while providing a human like interaction.

The video call bot can be adapted by brands to give it a unique avatar.  The avatar can be the conventional customer care executive, the CEO, the brand ambassador or any other person or character chosen by the brands. This AI based customer care avatar can be invoked by the users by simply dialling a video call enabled helpline. The AI video call bot will come with multilingual capabilities to enable brands communicate with customers in a language of their choice.

Mathew Oommen, President of Reliance Jio Infocomm Ltd, said

Jio is committed to bring innovative and relevant digital solutions to enable and empower businesses to conduct their operations more efficiently and Video Call Assistant is one such example of bringing a truly innovative and engaging product for millions of businesses in India.

Radisys is helping us make AI accessible for everyone, so that businesses – small or large can reap the benefits of new and emerging technologies. Radisys’ innovation continues to help accelerate Jio’s global innovation and technology leadership in the areas of 5G, IOT and open source architecture adoption.

The AI Based Video Call Bot can deliver immense benefits to all businesses – big or small.  Across industries, this solution will help brands, big or small, interact with their customers in a completely disruptive and friendly way.

Becoming a resident of India’s capital has its own perks. Yes, it makes a lot of sense to have a home in Delhi. With the city growing by leaps and bounds, Delhi has become famous for its residential localities. Home loans are a preferred way of purchasing a Delhi address.

Image Source

If you need more convincing, here are the top ten benefits of getting a house in this megapolis.

  1. Connectivity

If you have a home in Delhi, you have access to connectivity in every form. Indira Gandhi International Airport is the main gateway for the city’s domestic and international air travel. The city’s road network is well-maintained. It also has one of India’s largest bus transport systems. Then, there is Delhi Metro, which allows mass rapid transit and is the lifeline of the city’s urban travel. Explore housing loan options provided by Tata Capital if you are thinking of buying a house in Delhi.

  1. Renowned medical facilities

Delhi being the capital city of India provides all major types of facilities. It is famous for the All India Institute of Medical Sciences [AIIMS], Delhi is a premier medical school for treatment and research. There are also different top-quality private medical hospitals and nursing homes in and around Delhi, which provide modern healthcare.

  1. Good property investment

Delhi and the larger NCR provides ample opportunities for real estate investment through homes. For instance, Gurgaon is one of the fastest-growing cities of India. With migrant workforce demand driving the home demand, Delhi allows you to buy a house and hold it over the years to enjoy capital value appreciation.

  1. Attractive rentals

If you are looking for rental income, a home in Delhi is a good option. Rental can help pay your Home Loan EMI and be a second source of income. When you repay the home loan, you can get full advantage of the rental income. So, consider Tata Capital housing loan schemes if you are looking to buy a house here.

  1. Multi-cultural hotspot

Delhi’s culture has been influenced by various factors. It is home to people from Punjab, Haryana, Uttar Pradesh, Bengal, Tamil Nadu, Kerala, and increasingly from North-Eastern states. The multi-cultural story makes Delhi a treat for those with a deep interest in literature, fashion, food and performing arts. It has a vibrant culture that embraces people from different parts of India and the world.

  1. Key economy

Delhi is the largest commercial centre in northern India. With a growing economy, the workforce is looking for good homes at useful locations. Job demand, salary/income growth, and various products & services make Delhi’s economy diversified. Taking a home here gives you the chance to enjoy the fruits of this important economy. Consider a housing loan to do so.

  1. Close to hill stations, tourist hotspots

Delhi ranks as one of the top 30 most visited cities in the world. It has numerous tourist attractions, both historic and modern. Shopping hubs are in Connaught Place, Chandni Chowk, Sarojini Nagar, Khan Market, and Dilli Haat. Religious sites include Laxminarayan Temple, Gurudwara Bangla Sahib, Lotus Temple, Jama Masjid and ISKCON. It is also located close to many hill stations in nearby states.

  1. Access to top-quality education

For families wanting to stay in Delhi, education is an important criterion. A home loan can be worthwhile for parents if their children have access to top-quality education. Delhi has famous private schools. It has over 150 colleges, five medical colleges and eight engineering colleges.

  1. Government amenities

The Delhi government has announced that people living in the capital do not have to pay any amount of their electricity bills if their power consumption does not exceed 200 units. Additionally, there is a one-time waiver of water arrears, which means all categories of houses will receive an exemption from late fee payments. Consider Tata Capital housing loan schemes if you are looking to buy a house here.

  1. Sports capital

Delhi is a booming sporting hub. It has hosted many major international sporting events such as Asian Games, Hockey World Cup, Commonwealth Games, and Cricket World Cup. Cricket and football are the most popular sports. Buddh International Circuit in Greater Noida also hosted the Formula 1 Indian Grand Prix. This is good news for residents who are sports enthusiasts.

In keeping with its commitment to empowering everyone to achieve more, Microsoft India, in partnership with Indian Institute of Technology, Delhi, will host the second edition of Empower from 14th~17th October at I-TEC, IIT Delhi- Sonipat. This unique conference will bring together leading researchers, technologists and policy makers to discuss actionable steps in creating and making available assistive technologies and highlight the challenges in doing so. Stakeholders from entire ecosystem, Disabled Persons’ Organizations [DPOs] & Non-Governmental Organizations [NGOs] will also participate in the conference.

Commenting on this, Prof. M. Balakrishnan, Founder of ASSISTECH and Professor, CSE Department, Indian Institute of Technology Delhi

We believe that integration of differently-abled people should be an important goal for any society and for that providing them equal opportunities in mobility and education is critical. Using assistive echnologies, we can help empower them to be a part of the societal progress.

Through this conference, we aim to address the challenges faced by people with disabilities and bring together all researchers, industries, users and user organizations involved in the creation, production and dissemination of assistive technology solutions.

Speaking on this, Dr. Manohar Swaminathan, Principal Researcher, Microsoft Research (MSR) said

At Microsoft Research India we have developed AI and ML technologies that can be deployed in low-resource environments. These include Embedded ML libraries which can enable the community of designers to leverage the power of AI and ML to enhance life of people with disabilities in India.

We believe that the conference will provide a fertile ground for innovation by connecting such tools with designers of assistive technologies in confluence with people with disabilities who need such solutions.

Empower focuses on reaching the communities with different abilities to focus on researchers and technologists presenting solutions and ideas to empower them. Over the four days, the conference will feature various sessions including workshops and seminars to discuss the depth and breadth of disability and assistive technologies. The event will also include a keynote session Empowering for Inclusion by Dr. Sriram Rajamani, distinguished scientist and Managing Director, Microsoft Research India on empowering billions with technology and the efforts by Microsoft in leveraging technology for inclusion.

It will also showcase key assistive technology solutions like the spatial audio toolkit for immersive exploration of games and virtual environments. Other key solutions from Microsoft include CodeTalk [developed by MSR] to enhance programmer productivity and GesturePod, an interaction device for people using white-canes, built using powerful Embedded Machine Learning Libraries.   These resources are freely available to developers of assistive technologies.

Microsoft and AI for Accessibility

Microsoft’s AI for Accessibility is a 5 year, $25 million program that harnesses the power of AI to amplify human capability for the more than 1 billion people around the world with a disability. AI is now capable of seeing, hearing, and reasoning with increasing accuracy. Real time speech-to-text transcription, computer vision capabilities, and predictive text functionality are just a few examples of how AI is useful to people with disabilities today. AI for Accessibility aims to accelerate the development of accessible and intelligent AI solutions that build on recent advancements in Microsoft Cognitive Services to help developers create intelligent apps that see, hear, understand and better interpret people’s needs.

Most people prefer using credits due to the reward programmes linked to them. These rewards are like bonus given by the banks in the form of incentives, air miles or cash banks. Generally, banks offer reward points based on the types of credit cards.

Credit card users can redeem these points for several benefits like discounts on shopping, gift vouchers, etc.

How can one earn rewards on credit card?

You can simply earn rewards on a credit card while making transactions using them. While you can certainly earn reward points for day-to-day purchases, you can enhance your rewards further by using credit cards smartly. For this, you need to understand your reward programme and ways to earn reward points.

Many banks gift certain rewards points to their new credit card customers as a Welcome Bonus. So, you can earn reward points just by getting a new credit card. Sometimes, card issuers also give more reward points to the customers, who spend a certain amount during the initial period.

What type of transactions will get you more reward point?

All credits are linked to rewards points for specific amount of transactions made on them. For example, if a credit card offers five reward points spend on every Rs. 200, then the card user will get 1250 reward points after spending Rs. 50,000. The same rewarding system is applied for almost merchant establishments like shopping websites, utility bills, etc.

Buying expensive things like jewel or electronic items or booking a holidays will help you earn more reward points on your purchases. You can also earn more reward points by linking your credit cards to utility bill payments. As utility payments are compulsory expenses, you get the following double benefit by using credit cards to pay them,

  • Earning rewards points for each transaction
  • Becoming eligible for loyalty points

Furthermore, premium credit cards like Gold or Platinum are linked to higher reward points than standard cards. Banks provide additional benefits to the customers who have been with them for a longer time and who use their credit cards for bigger transactions. These credit cards provide their users with even more reward points on selected brand partners.

There is one specific category of credit cards called fuel credit cards. The users of these cards are getting more reward points whenever they swipe these cards to fill fuel at the outlets partnered with their banks. Just like fuel credit cards, there are travel credit cards linked to accelerated reward points for transactions made during travelling.

How can you redeem reward points?

You need to know how many rewards points you have earned by logging to your credit card account or by contacting your bank.

There are reward catalogues where you can find the information on the merchandise you want to buy and rewards points required for them. These catalogues contain a variety of options from different categories like travel, lifestyle, home décor, etc. You have to select the product and redeem your reward points to purchase it. Then, the product gets shipped to your mailing address. The process to redeem any product from the catalogue is similar.