AI can better identify your personality based on selfies- Tempemail – Blog – 10 minute

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Russian researchers have revealed that artificial intelligence (AI) is able to infer people’s personality from ‘selfie’ photographs better than human raters do. The study, published in the journal Scientific Reports, revealed that personality predictions based on female faces appeared to be more reliable than those for male faces.
The technology can be used to find the ‘best matches’ in customer service, dating or online tutoring, the researchers from HSE University and Open University in Russia, said.
Studies asking human raters to make personality judgments based on photographs have produced inconsistent results, suggesting that our judgments are too unreliable to be of any practical importance.
According to the study, there are strong theoretical and evolutionary arguments to suggest that some information about personality characteristics, particularly, those essential for social communication, might be conveyed by the human face.
After all, face and behaviour are both shaped by genes and hormones, and social experiences resulting from one’s appearance may affect one’s personality development. However, the recent evidence from neuroscience suggests that instead of looking at specific facial features, the human brain processes images of faces in a holistic manner.
For the findings, the researchers teamed up with a Russian-British business start-up BestFitMe to train a cascade of artificial neural networks to make reliable personality judgments based on photographs of human faces.
The performance of the resulting model was above that discovered in previous studies which used machine learning or human raters. The artificial intelligence was able to make above-chance judgments about conscientiousness, neuroticism, extraversion, agreeableness, and openness based on ‘selfies’ the volunteers uploaded online.
The resulting personality judgments were consistent across different photographs of the same individuals.
The study was done in a sample of 12,000 volunteers who completed a self-report questionnaire measuring personality traits based on the “Big Five” model and uploaded a total of 31,000 ‘selfies’. The respondents were randomly split into a training and a test group.
A series of neural networks were used to preprocess the images to ensure consistent quality and characteristics and exclude faces with emotional expressions, as well as pictures of celebrities and cats. Next, an image classification neural network was trained to decompose each image into 128 invariant features, followed by a multi-layer perceptron that used image invariants to predict personality traits.
In comparison with the meta-analytic estimates of correlations between self-reported and observer ratings of personality traits, the findings indicate that an artificial neural network relying on static facial images outperforms an average human rater who meets the target in person without prior acquaintance.
Conscientiousness emerged to be more easily recognizable than the other four traits. Personality predictions based on female faces appeared to be more reliable than those for male faces, the study said.

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Edelweiss General Insurance Launches app based pay-as-you-use motor insurance- Tempemail – Blog – 10 minute

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Edelweiss General Insurance (EGI), announced the launch of an innovative, app-based Motor OD floater policy – Edelweiss SWITCH. This driver-based motor insurance policy, launched under IRDAI’s Regulatory Sandbox, allows vehicle owners to SWITCH their motor insurance ON and OFF, based on usage and covers multiple vehicles under a single policy.
What differentiates Edelweiss SWITCH from other Motor OD policies, is that it is driver-based insurance, where the insurance is calculated on the age and experience of the driver. Edelweiss SWITCH uses a pay-as-you-use model that allows the customer to pay the premium only on the days they use the vehicle, offering significant cost savings and convenience. Customers can use the app to SWITCH their policy cover ‘ON’ and ‘OFF’, depending on whether they are driving that day. Also, while the policy covers accidental damage when it is switched on, vehicles will be covered 24/7/365 against fire and theft, even if the policy is switched off at that time, since these incidents can happen even if the vehicle is not being driven.
Shanai Ghosh, ED & CEO, Edelweiss General Insurance, said, “At Edelweiss General Insurance, our focus has always been to create simple and innovative products that are relevant and provide tangible value to our customers. Edelweiss SWITCH has been developed with the specific needs of today’s customer in mind, where you may not use your vehicle regularly or may choose to alternate between your car and two-wheeler. This Driver Based Insurance will mean lower premiums for policyholders, as they will only pay as per usage. In addition to this, being able to cover multiple vehicles under one policy will add to the savings, especially for those customers who own multiple vehicles.” 
IRDAI’s Sandbox platform is a welcome and progressive move, to encourage creation of innovative solutions for customers. Under this, nine GI players were given approval for products under the “Pay as you use” model. Of these, only three players, including Edelweiss General Insurance, have been given an approval for motor floater products.  The “Pay as you use” model is expected to change the erstwhile industry standard of determining premium for Motor OD (by age, make and model of the vehicle), to premiums based on usage and driving experience.

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Quick Heal Technologies makes Strategic Investment in Ray, a Singapore based Networking & Wireless Technology start-up- Tempemail – Blog – 10 minute

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Quick Heal Technologies, a provider of Cybersecurity and Data Protection solutions to consumers, businesses and Government, today announced a strategic investment of INR 2 Crores in Ray Pte. Ltd., a Singapore based start-up specializing in next generation networking and wireless technology. The investment reinforces a shared vision of ensuring a safe, secure and seamless digital experience for everyone. The development displays Quick Heal’s ongoing efforts to invest in disruptive technologies that will shape the future of cybersecurity while supporting innovative startups. The company had recently invested USD 300,000 in Israel based L7 Defense.
Incorporated in the year 2019, Ray is an innovation driven technology company with a vision to reimagine networking and wireless technology. Ray’s flagship product RayOS is an open, secure, cloud native, extensible Operating System with an ecosystem of applications that leverage the underlying hardware to create unlimited use cases. The investment will enable Ray to tap into Quick Heal’s rich legacy and expertise in the technology landscape to develop an integrated solution designed to protect IoT devices in enterprise and consumer segments from the next wave of cyber-attacks.
Kailash Katkar, Managing Director and Chief Executive Officer, Quick Heal Technologies Limited said, “Through our investment in Ray, we want to bring the best of Quick Heal’s security technology and capabilities to a wide range of customers and partners with highly secure networking and wireless technology. As a company, we are always on the lookout for innovative companies with disruptive offerings that will help us shape the future of cybersecurity. The team at Ray’s is building futuristic solutions keeping IoT and cloud computing technologies in mind which makes them an ideal partner.”
Hemal Patel, Chief Executive Officer & Founder, Ray, said, “We are excited to have Quick Heal as our strategic investor. We would benefit from their vast experience of building a technology company focussed on advanced security technologies and a client-centric innovation culture. The funding shall help us accelerate our product innovations and increase our reach in multiple geographies.”

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Nedbank to Offer Free Online Education and Skills Based Courses | Tempemail – Blog – 10 minute

Image sourced from Nedbank

Nedbank has announced that it is partnering with global educational institution Shaw Academy to offer free online interactive courses to its customers during the COVID-19 pandemic.
With 1 million job losses predicted as a result of the current economic crisis, Nedbank hopes this move will see hundreds of customers given access to a range of subjects focused on developing practical skills such as finance, photography, health and fitness, marketing, technology, design, beauty, music and business.
During a period where people both have more time on their hands and where existing experience is not necessarily enough to ensure job security, providing a means for them to reskill or upskill – potentially creating new employment opportunities – is particularly relevant.

Commenting on the partnership with Nedbank, CEO & Founder of Shaw Academy, James Egan says, “Shaw Academy is working with our partners to meet this crisis head-on. We are capable of educating at scale in a flexible, convenient and engaging manner through our online interactive classes. It is now more important than ever for people to invest in education. We are delighted to launch this partnership with Nedbank and to address the needs of their customers and society as a whole.”

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IISc researchers working on tool that diagnoses Covid-19 based on cough, speech- Tempemail – Blog – 10 minute

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A team of researchers at the Indian Institute of Science (IISc), Bengaluru, is working on a tool for diagnosis of COVID-19 based on respiratory, cough, and speech sounds. The tool, once validated, will offer a test that poses minimum risk of exposure to the healthcare professional and can give the results faster than the current testing method.
The eight-member team, has named the project for speech and sound based diagnostics “Coswara”, with an aim to detect and quantify biomarkers of the disease in the acoustics of these sounds.
According to the team, as the pandemic is growing in numbers, the development of simplistic, cost-effective and fast testing for infection has become a crucial component in healthcare, policy making and economic revival of several countries.
“As the major symptoms of the disease include respiratory problems, the proposed project aims to detect and quantify the biomarkers of the disease in the acoustics of these sounds. The project requires participants to perform a recording of breathing sounds, cough sounds, sustained phonation of vowel sounds and a counting exercise. The entire response requires about five minutes of recording time,” a team member told PTI.
“Along with these recordings, the tool also records the patient’s health status as well as age, gender and location, without any personally identifiable information. The audio dataset collected will be released for researchers across the world to develop a potential diagnostic tool using signal processing and machine learning methods,” he added.
The project being supervised by IISc faculty member Sriram Ganapathy is in the data collection stage and will go through an experimental validation before obtaining full approval as a potential diagnostic tool.
“Given the highly simplistic and cost-effective nature of the tool, we hypothesise that even a partial success for the tool would enable a massive deployment as a first line diagnostic tool for the pandemic. The project is not aimed to replace the chemical testing or the imaging methods but to merely supplement those with a cost-effective, fast and simple technique,” the researcher said.Presently, the only approved form of diagnosis for viral infection is reverse transcription-polymerase chain reaction (RT-PCR) of infected secretions.
“A real-time RT-PCR test is the most commonly deployed test currently for COVID-19 with testing results available after several hours. Generally, this test is carried out using a nasopharyngeal swab or a throat swab.
“The major limitations of the testing which hinder the widespread deployment of this procedure include violation of social distancing which increases the chance of infection to the subject, exposure of the viral infection to healthcare workers, expenses involved in chemical testing and the time required for results with an increasing population requiring the test,” he said.
According to the Union Health Ministry, the death toll due to coronavirus rose to 377 while the number of cases in the country climbed to 11,439 on Wednesday
While the number of active COVID-19 cases stood at 9,756, as many as 1305 people have been cured and discharged, and one had migrated, it said. The total number of cases include 76 foreign nationals.

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IIT(BHU)’s innovation center makes sensor based full body Sanitization Device- Tempemail – Blog – 10 minute

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In today’s global environment, everyone is trying to fight against Covid-19 virus. At present, the only way to defend ourselves from corona is to sanitize properly and maintain social distance.
Jeetu Shukla, an incubate of Malaviya Centre for Innovation, Incubation and Entrepreneurship (MCIIE) at IIT(BHU) has developed a device that can be used to sanitize the entire body. The device can be mounted anywhere and it works in an automated manner. The device is sensor based which can be installed outside any premises. The sensor based installed machine will automatically detect a person coming in front of the device and will spray 10-15 ml of sanitizer for 15 seconds and this will sanitize the person’s entire body, clothes, shoes, etc. This device can be installed at any place where there is movement of people, so that the person can enter the premises only after getting sanitized.
Giving information in this regard, Prof. P.K. Mishra, Coordinator, Malviya Centre for Innovation, Incubation & Entrepreneurship, IIT(BHU) said that this device has been made according to today’s requirement. We are using normal sanitizer currently being used by Govt. Due to this sanitization, it is possible to avoid most of the viruses that cause harm to the person. Validation of the dose, exposure time, frequency is under process. However, even after being sanitized with this device, one is required to wear masks, make social distancing and wash hands with soap at regular intervals.

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Gartner recognizes Fortinet for WAN Edge Infrastructure based on its 2020 Peer Insights Customers’ Choice- Tempemail – Blog – 10 minute

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Fortinet, a global leader in broad, integrated and automated cybersecurity solutions, today announced that it has been named a 2020 Gartner Peer Insights Customers’ Choice for WAN Edge Infrastructure for its Secure SD-WAN solutions. The Gartner Peer Insights Customers’ Choice distinction is based on feedback and ratings from end-user professionals who have experience purchasing, implementing or using Fortinet Secure SD-WAN.
Fortinet established the concept of Secure SD-WAN with the introduction of integrated SD-WAN functionality into its industry-leading FortiGate Next-generation Firewalls in 2016. Since then, Fortinet’s security-driven networking approach to SD-WAN has enhanced user experience while reducing costs and complexity for organizations of all sizes and verticals worldwide. Today, Fortinet is the undisputed leader of “Secure SD-WAN” with over 21,000 SD-WAN customers globally.
Fortinet’s Secure SD-WAN solution was also recognized by Gartner in the latest Magic Quadrant for WAN Edge Infrastructure, which named Fortinet a Challenger with highest ability to execute and furthest completeness of vision in the Challengers quadrant.* Additionally, Fortinet received the highest score for the “Security-Sensitive WAN” use case in the November 2019 Gartner analyst research report, “Critical Capabilities for WAN Edge Infrastructure.” 
Fortinet believes today’s announcement of its designation in the first Gartner Peer Insights Customers’ Choice for WAN Edge Infrastructure continues its momentum in the SD-WAN market. With 263 total verified ratings as of March 24, 2020 – the most reviews of all vendors – Fortinet customers of all sizes and industries have provided honest reviews, which Fortinet believes is an indication of its commitment to delivering best-of-breed SD-WAN solutions. Fortinet believes its ability to offer the broadest set of enterprise-grade use cases, such as NGFW, segmentation, IPS, and SD-WAN using a network firewall, has contributed to this distinction. 

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10 Public Sector Banks Merge Today That Are Integrated Based On Technology- Tempemail – Blog – 10 minute

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As we enter April, 10 public sector banks will be merging today making it one of the biggest consolidation in banking history. In 2019, the government had announced that there will 4 bigger banks by consolidating 10 banks which brings the public sector bank count to 12 from 27. Here are the ‘Mega-Merger’ details: 

Oriental Bank of Commerce (OBC) and the United Bank of India will join Punjab Tempemail Bank (PNB) making it the second-largest bank after State Bank of India (SBI). 
Union Bank of India will be merging with Andhra Bank and Corporation Bank
Allahabad Bank and Indian Bank will come together
Syndicate Bank will merge with Canara Bank

Tech integration: Prime focus for this wave of merger
While the first wave of banks involved a geographically based integration, the second wave is focusing more on the tech integration based consolidation. During the Mega-Merger announcement in August 2019,  Finance Minister Nirmala Sitharaman had emphasized on making the banks stronger and placing trust in ‘next gen’ technology features. She said that this would ensure that there is no disruption for customers due to the integration of fintech operations in these banks. 
This list of this merger was drafted once the banks were selected based on one bank having a larger capacity, second having the technology-driven capacity and ascertaining the deposit franchise of the third. 
Canara Bank and Syndicate Banks came together since they worked on iFlex core banking system and similarly, Allahabad Bank and Indian Bank merged as they used BaNCS. 
For the other mergers, Finnacle CBS Platform was used to make two sets of 3 banks merging into one for better management. 
Learnings from first wave merger
The first wave of mergers among Bank of Baroda, Dena Bank, and Vijaya Bank gave a healthy insight into what were the major challenges faced during the merger. Integrating technology was one of the biggest since there was a serious mismatch in their operating system. 
Not just operating systems, some analysts pointed out that banks would take at least 2-3 years to stabilise technologically. The integration would involve the website, application, IVR, data and analytics from all banks, and doing all this while ensuring cybersecurity. 
While most banks will have the same software, backend integration is where most tech companies would have to help out. 
Summing up: Technology is of utmost importance to banking operations

More Efficiency: There is an evident increase in efficiency once technology is involved which means the customer is served better. 
Sorting Information: The bank will have a stronger hold on internal operations since all systems will be updated with information making it easy to sort information. 
Cost-saving: There will be a major cost reduction since manual work will become automated and also floor space will be reduced. 
Accurate: Cheque clearances, passbook entries, branch reconciliations and other functions will be faster and correct.
Internet: The internet also helps banks carry put other functions such as customer service and internal communication effectively.

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TCS partners with CSIR to design AI based drug discovery process for COVID-19- Tempemail – Blog – 10 minute

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TCS is collaborating with Council of Scientific and Industrial Research (CSIR) to synthesize molecules and test them against SARS-CoV-2.
The novel ‘Severe acute respiratory syndrome Coronavirus 2’ (SARS-CoV-2) is the source of a global pandemic COVID-19, which has severely affected the people and economy of several countries. The research community across the globe is employing diverse approaches to design novel therapeutics and/or repurpose exisiting drugs against the proteins in SARS-CoV-2.
At TCS, scientists have designed novel chemical compounds using artificial intelligence that can inhibit the 3CL protease of SARS-CoV-2, which is responsible for viral replication. They harnessed the power of artificial intelligence to learn the inherent grammar of chemical compounds and produce novel molecules. The generated chemical compounds were filtered to have drug like properties and screened against the binding site of the 3CL protease structure of SARS-CoV-2.
The use of artificial intelligence has reduced the initial drug design process from years to only few days. Based on the screening results and further analysis, they have identified 31 potential compounds as ideal candidates for further synthesis and testing. They also found that two of their designed compounds showed high similarity to Aurantiamide, a natural product with anti-viral properties.
Their finding is reported in “De Novo Design of New Chemical Entities (NCEs) for SARS-CoV-2 Using Artificial Intelligence authored by Navneet Bung, Sowmya Ramaswamy, Gopalkrishnan Bulusu and Arijit Roy currently published in a preprint journal. At this time of crisis TCS has made their finding open to the global community and anyone can synthesize and test these molecules against SARS-CoV-2.

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Standard Chartered Bank to implement Temenos based banking solution- Tempemail – Blog – 10 minute

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Syncordis S.A., a leading Temenos banking software specialist and a subsidiary of Larsen & Toubro Infotech Ltd. (LTI) has been selected as the partner for a strategic Temenos T24 Transact engagement by Standard Chartered Bank as the bank transforms and upgrades its wealth platform. This prestigious win further consolidates Syncordis’ enviable reputation as a global, pure-play, one-stop partner for Temenos clients.
As part of this engagement, Syncordis will reimplement Temenos T24 Transact and integrate it with Standard Chartered’s Temenos WealthSuite, Insight and DataSource applications as well as other systems. The implementation will be accelerated by Syncordis’ regulated SaaS solution and LTI’s global system integration services. The benefits of this functionally rich, regulated SaaS solution include automated functional processes, customized, ergonomic and user-friendly menus and dashboards, predefined standard products with an exhaustive set of properties, as well as streamlined life cycle events.
Guillaume Desjonqueres, Chief Executive Officer, Syncordis said “Our Temenos expertise and project accelerators such as our SaaS solution make us the right partner for this transformational engagement. This is one of the largest engagements for Temenos WealthSuite in Asia Pacific and we bring a proven track and complementary services from LTI to it.”
Leveraging on Syncordis’ own regulated SaaS solution, Temenos’ Implementation Methodology (TIM) and a process-led “adopt” model to contain the scope, Syncordis is well-equipped to deliver the project alongside the client. The successful reimplementation will rely on standards to reduce customization and make Standard Chartered’s WealthSuite platform easier to manage and upgrade.

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