List of Most Used Mobile Browser

The world today is incomplete without internet. People on the go are armed with their phones which are in return armed with the best browsers to connect users to anything, anywhere. Some useful browsers commonly used in androids and smartphones:

Google Chrome

Chrome too comes with the latest compression technology, allowing it to save mobile data. It has become the most widely used mobile browser in the recent times. Its autofill option helps in getting hassle-free search results whereas the incognito mode helps in browsing privately where one can stop bothering about browser caches, history or cookies. Its most distinguishing feature is its sync with google account across multiple devices. It also enables voice search.

Safari

It was developed by Apple and is the default browser in iPhones and Mac. It accommodates ad-blocking and comes with the usual features of other mobile browsers. As of now, iOS also supports Chrome, making it a tough competitor. Its built-in search option helps in quickly pulling up results. It can work with a number of tabs simultaneously, moving up from 36. Another advantage that it provides is the option to browse privately. Unlike the incognito mode of Chrome, this only works when you browse in a public domain.

UC Browser

This widely used browser comes with data compression technology and ad-blocker as well. Thanks to the cloud storage, download will continue even if interrupted. A while ago controversies regarding security issues rose up, but the rumors have well been laid to rest. The browser is compatible with Windows Phones, Android, iOS and Blackberry. The availability of reading options in numerous languages- Russian, English, Indonesian, Vietnamese- account for its worldwide users. A plus point for Facebook followers- it speeds up facebook even in slow connections.

Mozilla Firefox

The android version of the Firefox web browser was launched by Mozilla in 2012. While it comes with usual compression and speed features, its special night viewing mode can be reset to take the strain off your eyes. Also, the upgraded privacy features certainly make it look good in the market. It also supports additional qualities like add-ons and flash.

Opera Mini

Launched worldwide in 2006, Opera Mini is a mobile version of the Opera software. It is one of the most popular browsers intended to be used by smartphone users. Its main features include reducing data transfer through compression, indirectly saving precious MBs. The improved portrait design for small screens allow vertical scrolling and saves pages for offline reading. Another characteristic that makes it popular is that it supports bi-directional text. Though the program has faced criticism due to lack of end-to-end security in systems and inability to support full-view pages, its latest ad-blocker is the redeeming feature. It works faster even in slow connections.

Top Payment Gateways in India

As a country that’s soon growing into a powerful IT authority in the world, India has been taking small and giant leaps by accepting recent advancements. In this exacting process of affairs online commerce has a huge role to play. The internet of things vision is incomplete until linked to an online payment portal which helps in transfer of funds without exchange of cash materially. The payment gateways in India are service providers to merchants and are helpful in making and collecting payments from customers. Such gateways are used in almost everything, mainly shopping, booking and payments of bills.

CCAvenue

CCAvenue is South Asia’s largest payment gateway. It offers options like credit cards, ATM-cum-debit cards, e-wallets and others. Thousands of e-merchants are a part of this venture. It is involved in advance shopping carts, processing transactions, reporting finances and controlling frauds. CCAvenue connects to multiple banks all over India and outside. It is authorized by the Government of India to commission Sub Merchants and manage multiple payments. The transactions are quick and done through secure servers. It can also process transactions made in multiple currencies.

DirecPay

It was launched in 2008 and is an easy and convenient way to boost e-business. Offering credit, debit, mobile payments and internet banking options to its customers at cost-effective pricing, DirecPay also has an in-built fraud detection system that ensures secure transactions. An initiative of TimesofMoney, DirecPay is a free payment gateway. Once the account is activated, the transactions are quick and efficient.

Paytm

Paytm is probably the most popular e-wallet in India now. Yet most people do not know that it is a payment gateway as well. The payments are made by downloading the application on your smartphone. It provides its customers with offers and recharge discounts along with a safe payment platform. Features like time-saving, cost-efficient setup methods and easy refund and cancellation have made it a suitable choice for its users.

PayUbiz

The payment service provider was earlier known as PayU and later forked into two separate schemes- PayUbiz and PayUmoney. It is a popular choice for conducting e-commerce transactions and is mainly a Business to Business payment gateway. A trusted payment processor for BookMyShow, MakeMyTrip and Yatra, PayUbiz is highly favoured among merchants due to its good conversion rates and One Tap payment system.

Instamojo

This gateway, launched in 2012, works as a payment collector for small businesses both on web and mobile. It allows the merchant to collect payments through a link which can be shared via sms, email and social media sites like Whatsapp and Facebook as well. The process of setting up an account is easy and hardly takes up more than a few minutes of your time. Payment is completed within 2-3 working days. Unlike CCAvenue, Instamojo is presently operational only in India.

Razorpay

Founded in 2013, Razorpay is the second Indian company to get selected for the Y Combinator’s startup program in Silicon Valley. Like Paytm and Instamojo, its facilities are available over web and mobile phones. No physical documents are required for setup; the procedure is easy and no maintenance fee is charged. Payment is made without the customer being redirected to the website of his or her bank. The gateway is PCI DSS compliant and hence, ensures a higher level of security. As of April, 2017, Razorpay declared its plans to explore international options.

These payment gateways have eased some of the burdens shouldered by small businesses and have come a long way in enhancing the quality of lives. Thanks to increased options available nowadays,merchants and vendors and buy and sell with the blink of an eye.

Which one are you going ahead with?

Security Breach at ZOMATO: 17mn User Data

Zomato, the popular restaurant search reported a security breach on Thursday, 18th May 2017. Data of almost 17 million users was reported to be stolen from its database, including passwords. After the terrifying cyberattack last week, where a ransomware called ‘Wannacry’ hacked into computers and encrypted files, this instance is the second serious issue to question online security.

Zomato, in one of its blogs, confirmed the breach of security and said that the passwords were secured with a ‘hashed’ algorithm and hence, wouldn’t be easily converted or decrypted into plain text again. But this claim was challenged by a senior authority on the subject, Troy Hunt an Australian security expert. It lead Zomato to update the blog, “We hash passwords with a one-way hashing algorithm, with multiple hashing iterations and individual salt per password. This means your password cannot be easily converted back to plain text. We however, strongly advise you to change your password for any other services where you are using the same password”.

The news was first posted on Hackread.com, which reported that the particulars had been put up on a dark web network along with proof of the cyber theft. According to Hackread, the user who goes by the name of ‘nclay’ has made a demand of 0.5587 Bitcoin virtual currency, which is almost equivalent to Rs. 65418 INR. But though the stolen information included user ids and passwords, the payment details and card numbers are said to be in safe hands, being stored separately in a top-notch PCI Data Security Standard (DSS) compliant vault.

Now, it is left to be seen how the recent online threats change the future discourse. This blog will be updated when we have more information on this subject.

Cyber Crimes- RANSOMWARE Virus Attack

12th May, Friday, 2017 dawned dark and menacing for computer users worldwide. More than 200,000 computers in more than 100 countries were affected when a ransomware stormed through the systems and played havoc globally. Wannacry, a computer worm targeting a loophole in Windows OS (primarily XP, 7 & 8), encrypts data and confidential files, rendering them useless and decrypts them only after the payment of a ransom. This self replicating worm has the ability to move from computer to computer, making it all the more destructive.

This ongoing cyberattack has affected networks all over the world- mostly, Europe. There have been reports of around 48 NHS in and around Britain; various corporations in Spain like Telephonica too have been hit. Not to mention services like FedEx and computers across Russia, North Korea and Ukraine are hit. Deutsche Bahn, the leading railway network in Germany faced serious handicap and the Renault, France had to stop production abruptly.

Whistleblower Edward Snowden lashed out at the NSA, blaming the premier security intelligentsia for the global damage. According to the former contractor, NSA knew about the flaw in the software but did not warn Microsoft about it until after the program was stolen.

India too had to bear the brunt of what is being called the worst cyberattack of the recent times. Several companies in Mumbai, Bengaluru and Hyderabad have been infected by the programme. Police systems in Andhra Pradesh were faced with a major hindrance as coordination and surveillance among the taskforce was deeply challenged, although no incidents involving illegal money transfer have been reported. The chances of Indian systems being corrupted are high mostly owing to the usage of old or pirated software.

Although there hasn’t been any serious impact in Indian cities, ATMs are still ineffectual till their programs have been updated. The Government has also requested all WINDOWS users to upgrade to a safer version of the software. Apart from local and isolated disturbances, the systems remain safe and running.

According to experts, the ransom asked in return for decrypting files should not be paid; after all, there is no guarantee that the files would really be restored. Learning where the virus attacked first might help in revealing the fibre of the infection. Despite this, there is no assurance that the contagion could be curbed.Meanwhile, all that is left for us users to do is refrain from opening links from unknown sources or run unauthorized programs. Firewalls and antivirus softwares are beneficial shields against such malwares.

The user, himself/herself is the greatest anti-virus though. If you act smartly and use the internet carefully then the chain of this menace can be broken which is the basic design on which a worm works. Stay safe!

Viral Videos: The Fever Rises on Social Media

Research shows that there are quite a few things the Modern Man cannot live without: air, water, food, shelter, and of course, social media. For many people in the crowd, the day begins with a morning post, and the last thing to do on their list is the same. Many blogs operate the same way- they focus on the details of life. The trick is to take the same mundane aspect and present it in a way that captures the beauty and brings back the lost sensations. People living across worlds keep in touch with one another and live vicariously through each other.

Though this remains the most popular application of social media, it isn’t the only one. Various enterprises use social media as an advertising tool and reaping long-term benefits of reaching out to the audience. One such fool-proof way is through viral videos. Videos are one of the most frequently shared items over networks. Youtube, Facebook and Buzzfeed rate high on the list of social sites that receive and share videos.

So, what is this ‘viral’ video anyway? Is it like an infection that spreads rapidly and takes the viewer in its grip? Does it cause fever? Is it contagious? Pretty much, yes. A ‘viral’ video is one that gains instant fame by being constantly shared by people on social media. It is like an online ‘fever’ that rages on, moving from one person to another, until it has spread to epidemic proportions to all within its reach.

But the definition of viral videos has shifted from what it was a few years ago to what it is today. Earlier, ‘Nalts’ from Youtube commented that a few years ago, a video was said to have ‘gone viral’ if it managed to secure a million views. As of 2011, he set the number at 5 million hits within a week. Today, a video goes viral in a matter of a few hours. Music videos collect tens of millions of hits within mere hours of their release.

Such videos also include educational and informative clips and news reports considered valuable. But most watched ones are usually funny, entertaining and of an uplifting nature, hence keep the viewer glued to the screen. Even ex-President Obama resorted to them during his electoral campaign back in 2008. Their universal appeal lies in their cost-effective procedure and easy access.

But many-a-times it so happens that such videos are used to publicise normal people and cast them in an unfavourable light. This unfair means leads to cyber bullying and disturbs the rhythm of the victim’s life. We often hear of such misconduct and the resulting disruption. Six out of ten times both, the victim as well as those at fault, are children below 16 years of age.
It is for the smart browser to judge if the contents of a viral video are worth sharing. What is food for one man, may just as well be poison to another.

Get Cashless; Get Going!

The world today has taken giant strides into the future age and we find ourselves face to face with a ‘restless, nervous, bustling and trivial’ 21st century. It is easy to confuse money with wealth these days. In such an impetuous stage of our lives, let us drift towards the welcome change called ‘plastic money’.

The recent times have championed the vision of a cashless society. Since the demonetisation episode, any currency that is not paper has become popular. That includes plastic money, e-wallets and net banking. Plastic money comprises of credit and debit cards, and other premium payment cards that do not need you to carry around cash. Jio Money, MobiKwik, Paytm are examples of prepaid payment instruments which are in common use as of today. No more fear of getting your pockets picked; in case of stolen cards, all you have to do is notify your nearest branch and have it blocked instantly. Another complication that can be worked out with the help of ‘paperless’ currency is the defacing of notes with obscene writing.

The possibility of online transactions has led to a huge rise in e-commerce for sites. Online shopping, bookings, cancellations and transfer of funds have made it easier to run an e-business. The user can accomplish all errands without moving an inch from his or her computer screen. The process saves valuable time but is not limited by the hours of the day. Another reason why the number of online transactions has been on the rise is the secure medium of payment. Banking sites use ‘https’, a secured version of ‘http’ to complete all monetary settlements. Further protection is guaranteed through one time passwords and immediate notification on the event of money credited or debited.

Digital transactions show more transparency and are more accountable in nature. The initiative has helped in reducing incidents of money laundering and decreased cases of dealings with black money. Another example where cashless transaction has proved to be fruitful is in exposing occasions of tax evasion.

Although there have been instances of credit card fraud and identity theft, the authorities have been able to curb these problems and arrest such misuse of information. One cautionary step to follow is to never allow the website to save passwords and account details.

For the larger section of Indians to be able to arrive at this stage, there is still a long way to go. The infrastructure required for electronic payments needs to be set up, all bank accounts should be well connected and operational and most importantly, bracketed properly. Hopefully, everybody will be eager to do their part. Like the French philosopher Voltaire said, “When it is a question of money, everybody is of the same religion.”