Marketing - Study on Radio and its History
Radio is the technology of signaling and communicating using radio waves. Radio waves are electromagnetic waves of frequency between 30 hertz (Hz) and 300 gigahertz (GHz). They are generated by an electronic device called a transmitter connected to an antenna which radiates the waves, and received by a radio receiver connected to another antenna. Radio is very widely used in modern technology, in radio communication, radar, radio navigation, remote control, remote sensing and other applications. In radio communication, used in radio and television broadcasting, cell phones, two-way radios, wireless networking and satellite communication among numerous other uses, radio waves are used to carry information across space from a transmitter to a receiver, by modulating the radio signal (impressing an information signal on the radio wave by varying some aspect of the wave) in the transmitter.
Marketing - From Eliza to Alexa
Chatbots are all the rage. But the truth is, they’ve been here for most of our lifetimes... ...with the first having been invented in the 60s and now serving as the basis for modern bots. What’s different is that they’re being cast into new platforms like Facebook Messenger, Slack, Outlook, and Skype, and augmented more and more with artificial intelligence and machine learning. Chatbots – or chatterbots – used to be exclusively embedded into smart devices, but can now be expanded across mediums, whether chat or voice based. The emphasis on business use cases that dominated the spotlight in the Spring of 20161 has awakened more and more busi-nesses (and developers, some 10,000 and counting) to the opportunity.
Study On Indian Railways
Indian Railways (IR) is India's national railway system operated by the Ministry of Railways. It manages the fourth largest railway network in the world by size, with a route length of 67,368-kilometre (41,861 mi) and total track length of 121,407-kilometre (75,439 mi) as of March 2017. Routes are electrified with 25 kV AC electric traction while 33% of them are double or multi-tracked. Indian Railway (IR) runs more than 20,000 passenger trains daily, on both long-distance and suburban routes, from 7,349 stations across India.The trains have five-digit and four-digit numbering system. Mail or Express trains, the most common types, run at an average speed of 50.6 kilometres per hour (31.4 mph). Most premium passenger trains like Rajdhani, Shatabdi Exp run at peak speed of 145 km/h (90 mph) with Gatiman Express between New Delhi and Agra touching peak speed of 160 km/h (99 mph). Indian railways has also started a pilot project by the name of "Train-18", with successful trials between Delhi-Katra and Lucknow-Delhi and clocked maximum track speed of 180 km/h (112mph). In the freight segment, IR runs more than 9,200 trains daily. The average speed of freight trains is around 24 kilometres per hour (15 mph). Maximum speed of freight trains varies from 60 to 75 km/h (37 to 47 mph) depending upon their axle load with container special running at a peak speed of 100 km/h (62 mph). The first railway proposals for India were made in Madras in 1832.
Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank (USFB) reported stellar set of numbers this quarter driven largely by healthy growth in loans & advances while asset quality remained stable. Net interest income (NII) jumped 52% YoY to INR 427cr on the back of 46% YoY growth in AUM and 82 basis points (bps) improvement in net interest margin (NIM) to 12.3%. USFB’s yield on advances increased by 144 bps YoY to 20.4% while cost of funds declined 40 bps to 8.1%, resulting in an 82bps expansion in NIM. Net revenue grew by 53% YoY to INR 502cr. Operating profit almost doubled (up 98% YoY) due to operational efficiency as cost to income ratio improved 652 bps YoY to 71.3%. Management expects cost to income ratio to be around 70% for FY20 and thereafter it is likely to reduce 500 bps every year for next 3 years. Provisions in Q3FY20 increased ~4x YoY to INR 31cr which includes INR 5 cr provision towards Assam exposure resulting in 66% YoY growth in profit before tax (PBT) to INR 114cr. PAT doubled YoY to INR 90cr due to lower tax outgo with an effective tax rate of 21% in Q3FY20 vs 32% in Q3FY19.