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ET Explains
ET Explains: Using blockchain to check spam is a work in progress
In the immediate term, the blockchain registration system was able to weed out unregistered spammers. The number of headers being used to send SMSes were reduced by one-third from about 900,000 in 2018 to about 600,000 in 2022. Lookalike headers of SBI, Uber, Amazon, etc. used by spammers were dropped. However, the scale of implementation was so huge that many companies didn't get it right. This led to the failure of 50% messages on March 8, 2021, when telecom companies started filtering their content templates. OTPs from banks, railways, Aadhaar authentication and even with Co-Win registrations needed for Covid vaccinations were disrupted then.
ET Explains: Why RBI may not cut rates despite a fall in retail inflation
The wait for a reduction in policy rate is likely to get longer as the fall in the Consumer Price Index (CPI) in July to 3.54%, below the RBI’s 4% mandate, for the first time in nearly five years may not be durable till the time food prices ease.
ET Explains: High temp hits flights to Leh. Why?
IndiGo recently cancelled flights to and from Leh due to high temperatures affecting runway operations, highlighting the challenges of operating in extreme heat and high altitudes.
ET Explains: LRS for foreign currency accounts in GIFT city
That approval for expanding the scope of services potentially multiplies the business opportunity for banks in the GIFT city more than five times. ET explains what LRS is and the different permissible and non-permissible transactions under this program, and how banks and individuals stand to benefit from the new rules.
Why RBI should be concerned about climate change
Climatic factors are now increasingly playing an important role in influencing food and fuel inflation which tends to affect the overall inflation levels which is emerging as a big area of concern for monetary policy. ET explains how could climate change impact monetary policy.
Menace of 'money mules' and how not to become one
Mule accounts are bank accounts that are used to launder proceeds of crime by fraudsters. In an age when there are strict laws on holding or using large amounts of cash, transactions in the banking system cannot be avoided. At the same time, criminals cannot use bank accounts because KYC norms will enable authorities to link the money to the activity through which they receive it.
ET Explains: All about vRAN and what it means for Vi
Vodafone Idea (Vi) has completed trials using Samsung's virtualised RAN (vRAN) technology, which is expected to bring substantial cost savings to the telco compared to legacy hardware infrastructure. vRAN is a technology that allows for the complete running of baseband functions as software on commonly available hardware, reducing server or processor capacity at sites. It also allows for the centralisation of some processing functions to local nodes, reducing server or processor capacity at sites.
ET Explainer: How will Apple's RCS support for SMSes improve user experience
RCS is an interactive messaging protocol which enables features such as two-way communication, exchange of text/pictures/videos, group conversations, read receipts, lead generation and other advantages as compared to the traditional SMS.
ET Explains: Why RBI keeps gold abroad?
The Reserve Bank of India (RBI) has been aggressively buying gold this year, purchasing one and a half times the amount bought in the whole of 2023 in just the first four months of this calendar year. A big portion of this gold is held overseas, but the RBI is now planning to bring back a portion of these reserves. This move comes amid risks following the West freezing Russian assets. The RBI holds 822.10 metric tonnes of gold, with 387.26 metric tonnes kept in safe custody with the Bank of England and the Bank for International Settlements (BIS).
ET Explains: What drives inward remittances?
India has been on top of the charts of remittances from its diaspora. In 2022-23 it crossed the $100billion mark to $112 billion and a record $29 billion in the December quarter alone. But will the uptrend continue? An explainer on what drives inward remittances.
Must Watch
ET Explainer: Will new Apple iPads play disruptor in the AI era?
Apple announced new iPads, including the iPad Pro and iPad Air, with their own processors for desktop-grade applications. Slimmer and lighter with multiple color options, iPads have evolved to cater to creative professionals and students. Will these upgrades revive the declining segment and position iPads as the go-to device for AI-based content creation?
ET explains: Dailyhunt's parent company acquires Magzter - The deal decoded
The Bengaluru-headquartered startup has introduced Dailyhunt Premium, a subscription service. This offering grants users access to premium content from international publishers across more than 60 languages sourced from Magzter. Moreover, subscribers will enjoy an ad-free experience within the app.
ET Explainer: Product-related plaints? Follow these steps to move consumer court
Many dissatisfied consumers of the product or the service they have received do not understand how they can seek redressal. Here is a primer on how to file a consumer case and what some of the challenges a complainant can face in the process.
ET Explainer: What RBI's norms on penal charges mean for borrowers
The Reserve Bank of India (RBI) has implemented new guidelines on penal charges for loan accounts starting from April 1. These regulations prohibit commercial banks and finance companies from imposing penal rates on loan defaults or any non-compliance event. The guidelines aim to promote credit discipline and prevent banks from using penal charges as a revenue enhancement tool.
SM REITs can help investors bet on high-value assets
SM REITs are specialised real estate investment trusts that differ from conventional REITs in their scale and focus. While traditional REITs primarily invest in large-scale commercial properties, such as office buildings and shopping malls, SM REITs concentrate on smaller and medium-sized properties with lower value. This distinction is reflected in their market capitalisation, asset size and portfolio composition. Despite smaller scale, SM REITs maintain diversified portfolios, spreading risk across different property types within the real estate market.
ET Explainer: The RBI's liquidity stance and its effect
The Reserve Bank of India's liquidity stance is not convincing experts. It follows a corridor liquidity management system with repo rate as the ceiling and reverse repo rate as the floor. Factors causing tight liquidity include withdrawal of accommodative stance, credit growth surpassing deposit growth, fund constraints, slower government spending, and Ukraine war impacting forex reserves.
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