• Ready for a memorable weekend? Come celebrate the launch of HBL InternetBanking tomorrow with us at Dolmen Mall, Clifton, Karachi.
    Ready for a memorable weekend? Come celebrate the launch of HBL InternetBanking tomorrow with us at Dolmen Mall, Clifton, Karachi.
    0 التعليقات 0 المشاركات 271 مشاهدة
  • Have you ever used online banking ? yes or no both would be great to get from you
    Have you ever used online banking ? yes or no both would be great to get from you
    0 التعليقات 0 المشاركات 82 مشاهدة
  • t’s No #SiliconValley, but #Pakistan is Building Its Own Startup Scene. #Technology http://www.newsweek.com/pakistan-building-silicon-valley-scene-426408

    In the past five years, Pakistan’s startup ecosystem has grown from a nascent colony to a self-sustaining environment. Zameen, an online real estate startup based in Lahore, has ridden that startup wave in developing a Zillow-like app and website that allows users to search and buy real estate listings in Pakistan’s largest cities.

    Like many famous U.S. internet companies, Zameen started with a gamble. In 2006, Zeeshan Ali Khan and his brother left their e-commerce business in the United Kingdom to move to Pakistan and started Zameen in their bedrooms. Back then, online-only services in Pakistan were rare, but Ali Khan followed the money coming into Pakistani real estate from expats living abroad—a million of whom lived in the United Kingdom. Now Zameen employees 500 people and has offices in nearly all major cities in Pakistan.

    “Zameen.com came into being when we realised there was a desperate need for a trustworthy online real estate enterprise in Pakistan, especially given the importance the average Pakistani attaches to property,” Ali Khan tells Newsweek in an email. “Back then the state of internet infrastructure in Pakistan was extremely poor but the offline property market was exploding. Facilitated by large investments from the Pakistani diaspora, people found that investing in real estate would earn them significant returns.”

    Pakistan’s fast-growing economy and, perhaps more importantly, large English-speaking population has provided a backbone to encourage startups to form and work with foreign companies.

    The country has seen startup hubs form around elite universities in cities like Lahore and Karachi—similar to Boston and San Francisco—in the last few years. The Punjab province, where Lahore is located, has been the major hotspot for startups in Pakistan. Plan9, the Punjab provincial government-run technology incubator, hosts over 80 startups. Ali Khan believes there are 140 startups in Lahore, a city of 5 million people.

    But Pakistani startups are still minnows compared to those in Silicon Valley. Cultural and economic norms, like being predominantly reliant on cash for transactions, are big obstacles for startups. Despite leading the South Asian region in consumers using mobile payments, only 9 percent of Pakistani men and 2 percent of women have used mobile phones for money transfers. Around 39 percent of Americans have used mobile banking in 2015, according to a report from the Federal Reserve.

    To accommodate its cash-based users, Zameen employs motorcycle riders to collect payments from Zameen agents across 30 Pakistani cities in person. “The situation is improving, and a lot of people are beginning to feel more comfortable with online payments and even mobile transactions,” says Ali Khan.

    Earning public trust for a little-known startup—a concept now just becoming understood in Pakistan—was a big challenge as well. When Zameen began, it discovered most of the Pakistani property market undocumented, and reliable data was nearly non-existent.

    Pakistani consumers, including Ali Khan’s family, had a hard time becoming comfortable with Zameen and its Silicon Valley-inspired ideas. “My family was a little apprehensive when I told them I wanted to start a business of my own,” Ali Khan says. “Today however, the attitudes have greatly changed, thanks to the startup ecosystem that is supporting the startup culture in Pakistan.”

    The two biggest hurdles Zameen and fellow startups face are the low penetration rates of 3G/4G mobile Internet and the lack of support from its government. In 2015, only 22 million out of 182 million Pakistanis had 3G/4G technology, leaving little room for startups to continue growing and scale upwards with their online services.

    Infrastructural issues like 3G/4G technology need the government’s help, but such support has been lacking, according to Ali Khan.

    Shared via Riaz Haq
    t’s No #SiliconValley, but #Pakistan is Building Its Own Startup Scene. #Technology http://www.newsweek.com/pakistan-building-silicon-valley-scene-426408 … In the past five years, Pakistan’s startup ecosystem has grown from a nascent colony to a self-sustaining environment. Zameen, an online real estate startup based in Lahore, has ridden that startup wave in developing a Zillow-like app and website that allows users to search and buy real estate listings in Pakistan’s largest cities. Like many famous U.S. internet companies, Zameen started with a gamble. In 2006, Zeeshan Ali Khan and his brother left their e-commerce business in the United Kingdom to move to Pakistan and started Zameen in their bedrooms. Back then, online-only services in Pakistan were rare, but Ali Khan followed the money coming into Pakistani real estate from expats living abroad—a million of whom lived in the United Kingdom. Now Zameen employees 500 people and has offices in nearly all major cities in Pakistan. “Zameen.com came into being when we realised there was a desperate need for a trustworthy online real estate enterprise in Pakistan, especially given the importance the average Pakistani attaches to property,” Ali Khan tells Newsweek in an email. “Back then the state of internet infrastructure in Pakistan was extremely poor but the offline property market was exploding. Facilitated by large investments from the Pakistani diaspora, people found that investing in real estate would earn them significant returns.” Pakistan’s fast-growing economy and, perhaps more importantly, large English-speaking population has provided a backbone to encourage startups to form and work with foreign companies. The country has seen startup hubs form around elite universities in cities like Lahore and Karachi—similar to Boston and San Francisco—in the last few years. The Punjab province, where Lahore is located, has been the major hotspot for startups in Pakistan. Plan9, the Punjab provincial government-run technology incubator, hosts over 80 startups. Ali Khan believes there are 140 startups in Lahore, a city of 5 million people. But Pakistani startups are still minnows compared to those in Silicon Valley. Cultural and economic norms, like being predominantly reliant on cash for transactions, are big obstacles for startups. Despite leading the South Asian region in consumers using mobile payments, only 9 percent of Pakistani men and 2 percent of women have used mobile phones for money transfers. Around 39 percent of Americans have used mobile banking in 2015, according to a report from the Federal Reserve. To accommodate its cash-based users, Zameen employs motorcycle riders to collect payments from Zameen agents across 30 Pakistani cities in person. “The situation is improving, and a lot of people are beginning to feel more comfortable with online payments and even mobile transactions,” says Ali Khan. Earning public trust for a little-known startup—a concept now just becoming understood in Pakistan—was a big challenge as well. When Zameen began, it discovered most of the Pakistani property market undocumented, and reliable data was nearly non-existent. Pakistani consumers, including Ali Khan’s family, had a hard time becoming comfortable with Zameen and its Silicon Valley-inspired ideas. “My family was a little apprehensive when I told them I wanted to start a business of my own,” Ali Khan says. “Today however, the attitudes have greatly changed, thanks to the startup ecosystem that is supporting the startup culture in Pakistan.” The two biggest hurdles Zameen and fellow startups face are the low penetration rates of 3G/4G mobile Internet and the lack of support from its government. In 2015, only 22 million out of 182 million Pakistanis had 3G/4G technology, leaving little room for startups to continue growing and scale upwards with their online services. Infrastructural issues like 3G/4G technology need the government’s help, but such support has been lacking, according to Ali Khan. Shared via Riaz Haq
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  • How Income Tax can be abolished and yet make India stronger.

    Read in full the wonderful paper.

    Anil Bokil , one of the key member of Arthakranti Sansthan was given time to share to PM Modi. He was given 9min for sharing but Mr.Modi heard him for 2 hrs. The fundamental framework had been patented by the Sansthan, but I personally feel the Sansthan should gift the proposal to India.

    Arthakranti Proposal

    What is Arthakranti Proposal and who has given the proposal?

    “Arthakranti Proposal” has been given by a Pune (Maharashtra) based “Arthakranti Sansthan” which is an Economic Advisory body constituted by a group of Chartered Accountants and Engineers. The fundamental framework has been patented by the Sansthan.

    Arthakranti Proposal is an effective and guaranteed solution of Black Money Generation, Price rise and Inflation, Corruption, Fiscal Deficit, Unemployment, Ransom, GDP and industrial growth, terrorism and good governance.

    What is in the Proposal ?

    “Arthakranti Proposal has FIVE point of actions simultaneously.

    (1) Scrap all 56 Taxes including income tax excluding import duty.

    (2) Recall and scrap high denomination currencies of 1000, 500 and 100 rupees.

    (3) All high value transaction to be made only through banking system like cheque, DD, online and electronic.

    (4) Fix limit of cash transaction and no taxing on cash transaction.

    (5) For Govt. revenue collection introduce single point tax system through banking system – Banking Transaction Tax (2% to 0.7%) on only Credit Amount

    Important Points to note:

    (1) As on today total banking transaction is more than 2.7 lakh crores per day say more than 800 lakh crores annually.

    (2) Less than 20% transaction is made through banking system as on today and more than 80% transaction made in cash only, which is not traceable.

    (3) 78% of Indian population spend less than 20/- rupees daily why they need 1000/- rupee note.

    What will happen if All FIFTY SIX Taxes including income tax scrapped :

    (1) Salaried people will bring home more money which will increase purchasing power of the family.

    (2) All commodities including Petrol, Diesel, FMCG will become cheaper by 35% to 52% .

    (3) No question of Tax evasion so no black money generation.

    (4) Business sector will get boosted. So self employment.

    What will happen if 1000/ 500/ 100 Rupees currency notes recalled and scrapped :

    (1) Corruption through cash will stopped 100%.

    (2) Black money will be either converted to white or will vanish as billions of 1000/500/100 currency notes hidden in bags without use will become simple pieces of papers.

    (3) Unaccounted hidden huge cash is skyrocketing the prices of properties, land, houses, jewellery etc and hard earned money is loosing its value; this trend will stop immediately.

    (4) Kidnapping and ransom, “Supari killing” will stop.

    (5) Terrorism supported by cash transaction will stop.

    (6) Cannot buy high value property in cash showing very less registry prices.

    (7) Circulation of “Fake Currency” will stop because fake currency printing for less value notes will not be viable.

    What will happen when Banking Transaction Tax (2% to 0.7%) is implemented :

    (1) As on today if BTT is implemented govt can fetch 800 x 2% = 16 lakh crore where as current taxing system is generating less than 14 lakh crore revenue.

    (2)When 50% of total transaction will be covered by BTT sizing 2000 to 2500 lakh crores, Govt will need to fix BTT as low as 1% to 0.7% and this will boost again banking transaction many fold.

    (3) No separate machinery like income tax department will be needed and tax amount will directly deposited in State/Central/District administration account immediately.

    (4) As transaction tax amount will be very less, public will prefer it instead paying huge amount against directly/indirectly FIFTY SIX taxes.

    (5) There will be no tax evasion and govt will get huge revenue for development and employment generation.

    (6) For any special revenue for special projects, govt can slightly raise BTT say from 1% to 1.2% and this 0.2% increase will generate 4,00,000 crores additional fund.

    Effects, if implemented today :

    (01)Prices of all things will come down.

    (02)Salaried people will get more cash in hand.

    (03)Purchasing power of Society will increase.

    (04)Demand will boost, so will production and industrialisation and ultimately more employment opportunity for youth.

    (05) Surplus revenue to the govt for effective health/ education/ infrastructure/ security/ social works.

    (06) Cheaper and easy loans from banks, interest rate will come down.

    (07) Tendency of society will changes from scarcity to quantity.

    (08) Spare money for political system for clean politics,

    (09) Prices of land/ property will come down,

    (10) No need to export beef to cover up trade deficit

    (11) Sufficient fund for research and development.

    (12) Society will be free from “Bad elements”.

    Forward it to all and spread awareness about the proposal.
    How Income Tax can be abolished and yet make India stronger. Read in full the wonderful paper. Anil Bokil , one of the key member of Arthakranti Sansthan was given time to share to PM Modi. He was given 9min for sharing but Mr.Modi heard him for 2 hrs. The fundamental framework had been patented by the Sansthan, but I personally feel the Sansthan should gift the proposal to India. Arthakranti Proposal What is Arthakranti Proposal and who has given the proposal? “Arthakranti Proposal” has been given by a Pune (Maharashtra) based “Arthakranti Sansthan” which is an Economic Advisory body constituted by a group of Chartered Accountants and Engineers. The fundamental framework has been patented by the Sansthan. Arthakranti Proposal is an effective and guaranteed solution of Black Money Generation, Price rise and Inflation, Corruption, Fiscal Deficit, Unemployment, Ransom, GDP and industrial growth, terrorism and good governance. What is in the Proposal ? “Arthakranti Proposal has FIVE point of actions simultaneously. (1) Scrap all 56 Taxes including income tax excluding import duty. (2) Recall and scrap high denomination currencies of 1000, 500 and 100 rupees. (3) All high value transaction to be made only through banking system like cheque, DD, online and electronic. (4) Fix limit of cash transaction and no taxing on cash transaction. (5) For Govt. revenue collection introduce single point tax system through banking system – Banking Transaction Tax (2% to 0.7%) on only Credit Amount Important Points to note: (1) As on today total banking transaction is more than 2.7 lakh crores per day say more than 800 lakh crores annually. (2) Less than 20% transaction is made through banking system as on today and more than 80% transaction made in cash only, which is not traceable. (3) 78% of Indian population spend less than 20/- rupees daily why they need 1000/- rupee note. What will happen if All FIFTY SIX Taxes including income tax scrapped : (1) Salaried people will bring home more money which will increase purchasing power of the family. (2) All commodities including Petrol, Diesel, FMCG will become cheaper by 35% to 52% . (3) No question of Tax evasion so no black money generation. (4) Business sector will get boosted. So self employment. What will happen if 1000/ 500/ 100 Rupees currency notes recalled and scrapped : (1) Corruption through cash will stopped 100%. (2) Black money will be either converted to white or will vanish as billions of 1000/500/100 currency notes hidden in bags without use will become simple pieces of papers. (3) Unaccounted hidden huge cash is skyrocketing the prices of properties, land, houses, jewellery etc and hard earned money is loosing its value; this trend will stop immediately. (4) Kidnapping and ransom, “Supari killing” will stop. (5) Terrorism supported by cash transaction will stop. (6) Cannot buy high value property in cash showing very less registry prices. (7) Circulation of “Fake Currency” will stop because fake currency printing for less value notes will not be viable. What will happen when Banking Transaction Tax (2% to 0.7%) is implemented : (1) As on today if BTT is implemented govt can fetch 800 x 2% = 16 lakh crore where as current taxing system is generating less than 14 lakh crore revenue. (2)When 50% of total transaction will be covered by BTT sizing 2000 to 2500 lakh crores, Govt will need to fix BTT as low as 1% to 0.7% and this will boost again banking transaction many fold. (3) No separate machinery like income tax department will be needed and tax amount will directly deposited in State/Central/District administration account immediately. (4) As transaction tax amount will be very less, public will prefer it instead paying huge amount against directly/indirectly FIFTY SIX taxes. (5) There will be no tax evasion and govt will get huge revenue for development and employment generation. (6) For any special revenue for special projects, govt can slightly raise BTT say from 1% to 1.2% and this 0.2% increase will generate 4,00,000 crores additional fund. Effects, if implemented today : (01)Prices of all things will come down. (02)Salaried people will get more cash in hand. (03)Purchasing power of Society will increase. (04)Demand will boost, so will production and industrialisation and ultimately more employment opportunity for youth. (05) Surplus revenue to the govt for effective health/ education/ infrastructure/ security/ social works. (06) Cheaper and easy loans from banks, interest rate will come down. (07) Tendency of society will changes from scarcity to quantity. (08) Spare money for political system for clean politics, (09) Prices of land/ property will come down, (10) No need to export beef to cover up trade deficit (11) Sufficient fund for research and development. (12) Society will be free from “Bad elements”. Forward it to all and spread awareness about the proposal.
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  • Alhamdo Lillah, I’ve completed my 100 MOOCs today. I wanted to compare it with the 100 courses that I’ve taken during my Bachelor, Masters and PhD in Computer Science. The traditional route of diploma/degree took me 12 years and costs $291,000 (tuition fee alone). The MOOCs route costs $9,300 and 4 years only. I’ve taken courses from Coursera, Udacity, Udemy, Lynda, MasterClass, UNIC, eDX, Harvard, DataCamp, Big Data University, YouTube, Hamilton Booz Allen, IBM, Experfy, SimpliLearn and GetSmarter. The cheapest was for Free and the most expensive was for $2,800. The Best Course was from Professor Daniel Chamovitz (What a Plant Knows) of Tel Aviv University. I’ve taken courses from Data Science to Medieval Magic and from Quran to Fashion Design, from Writing to Deep Learning and from Blockchain to Genomics. My 12 years of traditional learning landed me a job of assistant professor at GIKI for $810/month and my MOOCs have prepared me for a CTO job in the US for $20,000/month. Thanks God I am homeschooling my kids. I will be writing a detailed paper on my findings after Eid. Here is the list for you guys to enjoy and learn

    1 Big Data Integration and Processing
    2 Machine Learning with Big Data
    3 Graph Analytics for Big Data
    4 Magic in the middle Ages
    5 Introduction to Big Data
    6 Big Data Modeling and Management Systems
    7 Genomic Data Science with Galaxy
    8 Introduction to Genomic Technologies
    9 Capstone: Create Value from Open Data
    10 Executive Data Science Capstone
    11 Case studies in business analytics with ACCENTURE
    12 Foundations of marketing analytics
    13 People Analytics
    14 What a Plant Knows
    15 Foundations of strategic business analytics
    16 Operations Analytics
    17 A Crash Course in Data Science
    18 Building a Data Science Team
    19 Customer Analytics
    20 Data Science in Real Life
    21 Managing Data Analysis
    22 AWS Certified Solution
    23 Big Data Analysis - Demos
    24 Data Visualization in R with ggvis
    25 The Analytics Edge
    26 Data Manipulation in R with dplyr
    27 Understanding Terrorism and the Terrorist Threat
    28 Geospatial Intelligence & the Geospatial Revolution
    29 Beyond Silicon Valley: Growing Entrepreneurship in Transitioning Economies
    30 Data Science Capstone
    31 Social Entrepreneurship
    32 Tackling the Challenges of Big Data
    33 Developing Data Products
    34 Practical Machine Learning
    35 Regression Models
    36 Reproducible Research
    37 Statistical Inference
    38 Exploratory Data Analysis
    39 Getting and Cleaning Data
    40 R Programming
    41 Data Sciences Toolbox
    42 Big Data Fundamentals
    43 Big Data Analysis with Revolution R Enterprise
    44 Explore Data Science Specialization
    45 Calling Bullshit
    46 Python for Genomic Data Science
    47 Big Data - Capstone Project
    48 Intellectual Humility: Theory
    49 Intellectual Humility: Science
    50 Intellectual Humility: Practise
    51 Importance of India
    52 Bitcoin and Cryptocurrency Technologies
    53 Homeland Security & Cybersecurity Connection - Its Not About the Terrorists
    54 Introduction to Personal Branding
    55 Neural Networks and Deep Learning
    56 Improving Deep Neural Networks: Hyperparameter tuning, Regularization and Optimization
    57 Structuring Machine Learning Projects
    58 Effective Altruism
    59 SAS Enterprise Miner
    60 SAS Analytics
    61 Creative Writing
    62 Introduction to Digital Currencies
    63 Introduction to Self Driving Cars - NanoDegree
    64 Google Adwords - NanoDegree
    65 Strategic Business Analytics Specialization
    66 Executive Data Science Specialization
    67 Accounting Analytics
    68 The Data Scientist’s Toolbox
    69 IBM Blockchain Essentials
    70 Blockchain for Finance Professionals
    71 IBM Blockchain Foundation Developer
    72 Data Science
    73 Big Data
    74 Fashion Design
    75 BlockChain
    76 Money and Banking
    77 Blockchain
    78 Principles of Disruptive Innovation
    79 Working on a Cross-Functional Team
    80 Succession Planning
    81 Selling into Companies
    82 Rewarding Employees
    83 Performance Review Foundations
    84 Onboarding New Hires
    85 New Manager Foundations
    86 Managing for Results
    87 Managing Team Conflict
    88 Learning Python
    89 Learning Bitcoin
    90 Leading Productive Meetings
    91 Hiring Your Team
    92 Facilitation Skills for Managers and Leaders
    93 Digital Currencies in Developing World
    94 Delegating Tasks to Your Team
    95 Building a Recommendation System with Python Machine Learning & AI
    96 Building Accountability into Your Culture
    97 Blockchain: Basics
    98 Blockchain: Beyond the Basics
    99 Blockchain & Cryptocurrency
    100 Writing

    Via Zeeshan-ul-hassan Usmani
    Alhamdo Lillah, I’ve completed my 100 MOOCs today. I wanted to compare it with the 100 courses that I’ve taken during my Bachelor, Masters and PhD in Computer Science. The traditional route of diploma/degree took me 12 years and costs $291,000 (tuition fee alone). The MOOCs route costs $9,300 and 4 years only. I’ve taken courses from Coursera, Udacity, Udemy, Lynda, MasterClass, UNIC, eDX, Harvard, DataCamp, Big Data University, YouTube, Hamilton Booz Allen, IBM, Experfy, SimpliLearn and GetSmarter. The cheapest was for Free and the most expensive was for $2,800. The Best Course was from Professor Daniel Chamovitz (What a Plant Knows) of Tel Aviv University. I’ve taken courses from Data Science to Medieval Magic and from Quran to Fashion Design, from Writing to Deep Learning and from Blockchain to Genomics. My 12 years of traditional learning landed me a job of assistant professor at GIKI for $810/month and my MOOCs have prepared me for a CTO job in the US for $20,000/month. Thanks God I am homeschooling my kids. I will be writing a detailed paper on my findings after Eid. Here is the list for you guys to enjoy and learn 1 Big Data Integration and Processing 2 Machine Learning with Big Data 3 Graph Analytics for Big Data 4 Magic in the middle Ages 5 Introduction to Big Data 6 Big Data Modeling and Management Systems 7 Genomic Data Science with Galaxy 8 Introduction to Genomic Technologies 9 Capstone: Create Value from Open Data 10 Executive Data Science Capstone 11 Case studies in business analytics with ACCENTURE 12 Foundations of marketing analytics 13 People Analytics 14 What a Plant Knows 15 Foundations of strategic business analytics 16 Operations Analytics 17 A Crash Course in Data Science 18 Building a Data Science Team 19 Customer Analytics 20 Data Science in Real Life 21 Managing Data Analysis 22 AWS Certified Solution 23 Big Data Analysis - Demos 24 Data Visualization in R with ggvis 25 The Analytics Edge 26 Data Manipulation in R with dplyr 27 Understanding Terrorism and the Terrorist Threat 28 Geospatial Intelligence & the Geospatial Revolution 29 Beyond Silicon Valley: Growing Entrepreneurship in Transitioning Economies 30 Data Science Capstone 31 Social Entrepreneurship 32 Tackling the Challenges of Big Data 33 Developing Data Products 34 Practical Machine Learning 35 Regression Models 36 Reproducible Research 37 Statistical Inference 38 Exploratory Data Analysis 39 Getting and Cleaning Data 40 R Programming 41 Data Sciences Toolbox 42 Big Data Fundamentals 43 Big Data Analysis with Revolution R Enterprise 44 Explore Data Science Specialization 45 Calling Bullshit 46 Python for Genomic Data Science 47 Big Data - Capstone Project 48 Intellectual Humility: Theory 49 Intellectual Humility: Science 50 Intellectual Humility: Practise 51 Importance of India 52 Bitcoin and Cryptocurrency Technologies 53 Homeland Security & Cybersecurity Connection - It's Not About the Terrorists 54 Introduction to Personal Branding 55 Neural Networks and Deep Learning 56 Improving Deep Neural Networks: Hyperparameter tuning, Regularization and Optimization 57 Structuring Machine Learning Projects 58 Effective Altruism 59 SAS Enterprise Miner 60 SAS Analytics 61 Creative Writing 62 Introduction to Digital Currencies 63 Introduction to Self Driving Cars - NanoDegree 64 Google Adwords - NanoDegree 65 Strategic Business Analytics Specialization 66 Executive Data Science Specialization 67 Accounting Analytics 68 The Data Scientist’s Toolbox 69 IBM Blockchain Essentials 70 Blockchain for Finance Professionals 71 IBM Blockchain Foundation Developer 72 Data Science 73 Big Data 74 Fashion Design 75 BlockChain 76 Money and Banking 77 Blockchain 78 Principles of Disruptive Innovation 79 Working on a Cross-Functional Team 80 Succession Planning 81 Selling into Companies 82 Rewarding Employees 83 Performance Review Foundations 84 Onboarding New Hires 85 New Manager Foundations 86 Managing for Results 87 Managing Team Conflict 88 Learning Python 89 Learning Bitcoin 90 Leading Productive Meetings 91 Hiring Your Team 92 Facilitation Skills for Managers and Leaders 93 Digital Currencies in Developing World 94 Delegating Tasks to Your Team 95 Building a Recommendation System with Python Machine Learning & AI 96 Building Accountability into Your Culture 97 Blockchain: Basics 98 Blockchain: Beyond the Basics 99 Blockchain & Cryptocurrency 100 Writing Via Zeeshan-ul-hassan Usmani
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  • Friends - for those of us who dont have online banking provisioned for their coroporate bank account and have had to historically pay employees by check to those who dont have a personal/payroll account in the same bank as the corporate
    - how have you paid those employees for March payroll?
    Friends - for those of us who don't have online banking provisioned for their coroporate bank account and have had to historically pay employees by check to those who don't have a personal/payroll account in the same bank as the corporate - how have you paid those employees for March payroll?
    0 التعليقات 0 المشاركات 136 مشاهدة
  • Which bank gives best online business banking services in Pakistan ?
    Which bank gives best online business banking services in Pakistan 🇵🇰?
    0 التعليقات 0 المشاركات 200 مشاهدة
  • FIA took action and froze thousands of bank alfalah accounts. If any of you had watched USA senate hearing of crypto bosses, you would be aware that despite them being sceptical and worried about crypto but USA legislators were hesitant to call for an outright ban for crypto or to come heavy-handed against crypto at this stage. They wanted this technology to flourish and regulate accordingly.

    Here we ban without warnings, prior notices and use the term "cannot buy and sell digital assets" which is a very vast and vague term used to discourage crypto trading.

    As I said some days earlier, we start by banning. We had banned youtube when it was in the monetization period. The result is we have "haqeeqat tv" type content and missed out on the race of learning and adding quality youtube content.

    It required evolution; we were left behind in this race. Now FIA cracking down on crypto transactions.

    What was happening, Rs. was moving within Pakistan, within the banks.

    Now, what will happen?

    Those who want to buy crypto will try to send money outside Pakistan so that they can get USDTs. This is how the state discourages its citizens and forces them to use illegal methods.
    The price of USDT vs PKR will sore up.
    Trust in the banking system will go down for the crypto holders
    Unnecessary mass litigation: customers vs banks vs FIA

    Most importantly, we will be left behind in the race. The water will be so muddy to have any immediate gain and once the dust settles, it will be too late for us.

    #copied
    FIA took action and froze thousands of bank alfalah accounts. If any of you had watched USA senate hearing of crypto bosses, you would be aware that despite them being sceptical and worried about crypto but USA legislators were hesitant to call for an outright ban for crypto or to come heavy-handed against crypto at this stage. They wanted this technology to flourish and regulate accordingly. Here we ban without warnings, prior notices and use the term "cannot buy and sell digital assets" which is a very vast and vague term used to discourage crypto trading. As I said some days earlier, we start by banning. We had banned youtube when it was in the monetization period. The result is we have "haqeeqat tv" type content and missed out on the race of learning and adding quality youtube content. It required evolution; we were left behind in this race. Now FIA cracking down on crypto transactions. What was happening, Rs. was moving within Pakistan, within the banks. Now, what will happen? Those who want to buy crypto will try to send money outside Pakistan so that they can get USDTs. This is how the state discourages its citizens and forces them to use illegal methods. The price of USDT vs PKR will sore up. Trust in the banking system will go down for the crypto holders Unnecessary mass litigation: customers vs banks vs FIA Most importantly, we will be left behind in the race. The water will be so muddy to have any immediate gain and once the dust settles, it will be too late for us. #copied
    0 التعليقات 0 المشاركات 506 مشاهدة
  • *Systems Limited Venture OneLoad raised US$11 million co Led by Bill & Melinda Gates Foundation*

    Pakistan’s fintech OneLoad, which targets micro-retailers, has raised $11 million to fund a growth phase as it focuses on tapping the world’s third-largest unbanked population.

    The latest investment round was led by Sarmayacar and Shorooq Partners, with participation from the Bill. & Melinda Gates Foundation’s Strategic Investment Fund, its first investment in Pakistan.

    OneLoad’s android application, used by mainly by small shopkeepers, is the largest non-banking digital transaction platform in Pakistan and serves several million customers each month. It partners with banks and telecom companies to offer services including payments, cash deposits and lending.

    The company hopes to become the “largest banking platform in the country for the unbanked world, the financially excluded market,” Muhammad Yar Hirai founder and chief executive officer at OneLoad said in an interview. “The aim is to become the largest micro branch for the the unbanked without actually owning any branch.” OneLoad operates through its 40,000 agents and did about $100 million in transactions last year.

    The company wants to increase daily transaction to one million a day from the current level of up to 400,000.
    *Systems Limited Venture OneLoad raised US$11 million co Led by Bill & Melinda Gates Foundation* Pakistan’s fintech OneLoad, which targets micro-retailers, has raised $11 million to fund a growth phase as it focuses on tapping the world’s third-largest unbanked population. The latest investment round was led by Sarmayacar and Shorooq Partners, with participation from the Bill. & Melinda Gates Foundation’s Strategic Investment Fund, its first investment in Pakistan. OneLoad’s android application, used by mainly by small shopkeepers, is the largest non-banking digital transaction platform in Pakistan and serves several million customers each month. It partners with banks and telecom companies to offer services including payments, cash deposits and lending. The company hopes to become the “largest banking platform in the country for the unbanked world, the financially excluded market,” Muhammad Yar Hirai founder and chief executive officer at OneLoad said in an interview. “The aim is to become the largest micro branch for the the unbanked without actually owning any branch.” OneLoad operates through its 40,000 agents and did about $100 million in transactions last year. The company wants to increase daily transaction to one million a day from the current level of up to 400,000.
    0 التعليقات 0 المشاركات 706 مشاهدة
  • Subject: Proposal for Starting a Job Agency in Dubai - Unlocking Opportunities and Prosperity

    Dear Malik Bilal Aslam Naich,

    I hope this proposal finds you in good health and high spirits. I am writing to present a compelling case for you to consider starting your own job agency in Dubai. Your vast experience in Warehouse Operations, Administration, Facility Management, and Banking & Human Resources uniquely positions you to make a significant impact in the lives of job seekers while creating a profitable venture for yourself. Allow me to outline the key reasons why this endeavor holds immense potential:

    1. Expertise in Employment Landscape: Your in-depth understanding of various industries, coupled with your experience in recruitment and talent management, will be instrumental in identifying job opportunities and matching them with qualified candidates. Your insights into warehouse operations and administration will enable you to cater to the growing demand for skilled professionals in these sectors.

    2. Rising Demand for Job Placement Services: Dubai, being a thriving cosmopolitan hub and a global business center, attracts individuals from around the world seeking employment opportunities. As the city continues to grow, the need for specialized job agencies that provide personalized guidance and connections will become even more crucial. By establishing your agency, you can bridge the gap between job seekers and employers, becoming a valuable resource in the market.

    3. Extensive Network and Connections: Throughout your career, you have built a robust professional network, fostering relationships with industry leaders, employers, and HR professionals. Leveraging these connections, you can develop strategic partnerships with businesses, allowing you to access exclusive job openings and strengthen your agencys reputation as a reliable and trusted source for talent acquisition.

    4. Holistic Approach to Career Development: Your holistic approach to career development, encompassing not only job placement but also skill enhancement, training, and mentorship, sets you apart from traditional recruitment agencies. By offering comprehensive services that empower job seekers with the tools and resources they need to succeed, you can differentiate your agency and establish a loyal client base.

    5. Lucrative Business Opportunity: The job placement industry is renowned for its potential for profitability. By charging reasonable fees to both job seekers and employers, you can generate a sustainable revenue stream. Additionally, as Dubais economy continues to flourish and attract foreign investment, your agency can capitalize on this growth and expand its reach beyond the local market.

    I firmly believe that by starting your own job agency, you can transform the lives of individuals by helping them secure rewarding employment opportunities, while simultaneously building a successful business for yourself. Your passion for empowering others, combined with your extensive skill set and experience, makes you the ideal entrepreneur to embark on this venture.

    I would be delighted to further discuss this proposal with you and provide any additional information or support required to help you make an informed decision. Together, we can create an agency that positively impacts the lives of job seekers and contributes to the continued success of Dubais dynamic workforce.

    Thank you for your time and consideration. I eagerly look forward to the possibility of working with you on this exciting journey.

    Warm regards,

    Rehan Allahwala
    Subject: Proposal for Starting a Job Agency in Dubai - Unlocking Opportunities and Prosperity Dear Malik Bilal Aslam Naich, I hope this proposal finds you in good health and high spirits. I am writing to present a compelling case for you to consider starting your own job agency in Dubai. Your vast experience in Warehouse Operations, Administration, Facility Management, and Banking & Human Resources uniquely positions you to make a significant impact in the lives of job seekers while creating a profitable venture for yourself. Allow me to outline the key reasons why this endeavor holds immense potential: 1. Expertise in Employment Landscape: Your in-depth understanding of various industries, coupled with your experience in recruitment and talent management, will be instrumental in identifying job opportunities and matching them with qualified candidates. Your insights into warehouse operations and administration will enable you to cater to the growing demand for skilled professionals in these sectors. 2. Rising Demand for Job Placement Services: Dubai, being a thriving cosmopolitan hub and a global business center, attracts individuals from around the world seeking employment opportunities. As the city continues to grow, the need for specialized job agencies that provide personalized guidance and connections will become even more crucial. By establishing your agency, you can bridge the gap between job seekers and employers, becoming a valuable resource in the market. 3. Extensive Network and Connections: Throughout your career, you have built a robust professional network, fostering relationships with industry leaders, employers, and HR professionals. Leveraging these connections, you can develop strategic partnerships with businesses, allowing you to access exclusive job openings and strengthen your agency's reputation as a reliable and trusted source for talent acquisition. 4. Holistic Approach to Career Development: Your holistic approach to career development, encompassing not only job placement but also skill enhancement, training, and mentorship, sets you apart from traditional recruitment agencies. By offering comprehensive services that empower job seekers with the tools and resources they need to succeed, you can differentiate your agency and establish a loyal client base. 5. Lucrative Business Opportunity: The job placement industry is renowned for its potential for profitability. By charging reasonable fees to both job seekers and employers, you can generate a sustainable revenue stream. Additionally, as Dubai's economy continues to flourish and attract foreign investment, your agency can capitalize on this growth and expand its reach beyond the local market. I firmly believe that by starting your own job agency, you can transform the lives of individuals by helping them secure rewarding employment opportunities, while simultaneously building a successful business for yourself. Your passion for empowering others, combined with your extensive skill set and experience, makes you the ideal entrepreneur to embark on this venture. I would be delighted to further discuss this proposal with you and provide any additional information or support required to help you make an informed decision. Together, we can create an agency that positively impacts the lives of job seekers and contributes to the continued success of Dubai's dynamic workforce. Thank you for your time and consideration. I eagerly look forward to the possibility of working with you on this exciting journey. Warm regards, Rehan Allahwala
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