IT training PCQuest TruePDF march 2019

Advantage Of AI In Efficient And
Personalized Learning
`125

10 Tips For A Safer And More
Secure Cyberspace

www.pcquest.com

VOL. 32 | ISSUE 3 | MARCH 2019

UNDERSTAND s CHOOSE s IMPLEMENT IT

SMB TALK

“We are working to see
if our solutions can be
used outside of data
centre”
— Anjani Kumar,
Raritan

GAINING MOMENTUM

Use cases for AI applications in business is building up
Special Subscription offer on page 60

76 pages including cover

The

BIBLE of

Indian IT

t Readership of 3,25,000
t

3.5 million (dqindia.com)

page views and 2 million unique
visitors every month

t More than 10,000+ social
media followers makes Dataquest
the most talked about IT media
t

CIOs/CTOs/IT decision

makers of large enterprise

t MDs/CEOs/Top Mangement
of ICT companies and ICT
eco-system
t Deep Dive Insights through our
referral - T-School Ranking, DQ
Top20 & CIO Handbook
STEER YOUR GROWTH MANIFOLD WITH DATAQUEST

• Online • Market Research • White Papers • Lead generation
• Custom Events • Branded Events • Video Case Studies • Content Marketing
• Thought Leadership • Blogs • Webinars • Newsletters • Print

For Partnership Opportunities, write to us:
Rajiv Pathak, +91 8010757100,
www.dqindia.com


Contents
8-9 COVER STORY

TECHNOLOGICAL DISRUPTION IS THE FUTURE:
A BIRD’S EYE VIEW ACROSS INDUSTIRES

SMB NEWS
28 Karix Mobile Announces
Partnership With Whatsapp
28 Blaupunkt Launches Exclusive
Range of Personal Audio
28 Ingram Micro Bolsters Cloud
Marketplace To Drive ISV Growth
28 Juniper Networks Integrates
Platforms With Sonic
29 Microsoft Launches AI School For
Business Leaders
29 Tally Solutions Emphasizes On
The Need Of Technology
29 Google Assitant Comes To
Android Messages

29 New Trihund Software
Incorporates Robotic
Solutions
30 Ad Fraud The Biggest Setback
To Digital Advertising
4

PCQUEST M A R C H 2 0 1 9

30 Tata Tele Business Services
Introduces Smart VPN Solutions
30 Kingston Launches New Data
Center 500 Seires SSD
30 Wipro Is CMMI Maturity Level
5 Globally
31 Huawei To Adopt OCP’s Open
Rack Across Public Cloud..
31 Volkswagen Deepens Cloud
Computing Partnership with MS
31 Alibaba Cloud Unveils Data
Intelligence Products
31 IBM Makes Watson Available
For Competing Cloud Services
32 Google’s One Of The Most
Used Apps Gets A Fix A ‘High
Severity’ Exploit
32 Accops Is Now A Proud
Partner of TSanet
32 Tech Mahindra Aims For 50%
Revenue Share From Digital

Business

TECH TALK/TECH MIRROR
38 “We Offer The Same
Technology, But At A Better
Price” - Super Plastronics
40 “Out Aim Is To Empower As
Many Business As Possible
Irrespective Of The Volumes
That They Deal With” Limelight Networks
42 “Our Mission Is To Help
Companies Make Better
Decisions Every Day” Absolutdata
45 Industry Predictions About
Surveillance
48 10 Tips For A Safer And
More Secure Cyberspace
50 Latest Threat To Digital India

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


MARCH 2019
SMB CORNER/SMB TALK
10 AI And ML Creates Multifold Efficiency By
Optimizing Facilities In Real-Time
12 Seeking A Quick And Efficient AI-Driven
Enterprise Solution? A.C.T. Now!
14 Impact Of AI On Assessing Individual’s
Creditworthiness

16 Advantage Of AI In Efficient And
Personalized Learning
18 How Can AI Adoption Change The
Perception Of Education?
19 AI In Healthcare: Enormous Opportunities
20 How AI And Machine Learning Helps In Up
Skilling To Better Career Opportunities
22 Gartner Debunks Five Artificial Intelligence
Misconceptions
24 “We Are Working To See If Our Solutions
Can Be Used Outside Of A Data Centre” Raritan
52 ICT An Media And
Enterainment Sector
54 Data Is The New Oil - And
The Right IT, The Lubricant
56 Why Should SMEs Look At
Cloud Technology?
58 Why Is It Important To
Emphasize On Data Security
Now More Than Ever?
62 Your 8 Step Sales Process:
Ways To Be Efficient
64 International Women’s Day
66 The Technologies Of Future
Are Digital Twins And
Immersive Technology
70 Why Internal Communications
Is At The Center Of Digital
Transformation?
72 Customer Intelligence: The

Next Phenomena In 2019

27 Go4GST: Easing GST

GADGETS CORNER
34 Oppo F11 Pro Review: The Best Smartphone
Under 25K Budget

35 Zebronics Zeb-Peace Earphones

MOBILITY
36 5 best action games on Android

FORM IV (See Rule)
Statement of ownership and other particulars about the Magazine PC Quest to be published in the first issue
every year after the last day of February
1.
2.
3.

Place of Publication
: New Delhi
Periodicity of Publication
: Monthly
Printer’s Name
: Pradeep Gupta
Whether Citizen of India
: Yes
Address
: D-74, Panchsheel Enclave, New Delhi – 110 017

4. Publisher’s Name
: Pradeep Gupta
Whether Citizen of India
: Yes
Address
: D-74, Panchsheel Enclave, New Delhi – 110 017
5. Editor’s Name
: Rajneesh De
Whether Citizen of India
: Yes
Address
: Flat No. 26A, Liliac HSC Society-I, Sec-40, Gurugram
6. Names & addresses of individuals who own the : Cyber Media (India) Limited
newspaper, and partners or shareholders holding
D-74, Panchsheel Enclave,
more than one percent of the total paid-up capital
New Delhi – 110 017
List of shareholders holding more than 1% of the paid up capital of the company as on 15th February 2019:
Pradeep Gupta, Sudha Bala Gupta, Dhaval Gupta, Kriti Gupta, Vimgi Investments Pvt Ltd, SAL Advisor Pvt. Ltd,
Hemali Prakash Mehta, Mahesh Dinkar Vaze, Mahendra Girdharilal
I, Pradeep Gupta, hereby declare that the particulars given above are true to the best of my knowledge and
belief.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

Sd/Publisher

MARCH 2019

PCQUEST

5


UNDERSTAND s CHOOSE s IMPLEMENT IT

CORPORATE OFFICE

EDITORIAL
GROUP EDITOR - Ibrahim Ahmad
ASSOCIATE EDITOR : Shrikanth G
CORRESPONDENT: Divya Bishi
DESIGN MANAGER: Nadeem Anees

Cyber House, B-35, Sec-32, Gurugram (NCR Delhi) 122001. India
email us
call us +91-124-482-2222, fax us +91-124-238-0694

CYBERMEDIA LABS
MANAGER LAB: Ashok Pandey

OUR OFFICES
BENGALURU

Asst. Edtior (SPECIAL PROJECT): Ankit Parashar
BUSINESS
Sr. Vice President: Rachna Garga ()
NORTH:
GM: Harminder Singh
MANAGER: Sudhir Kumar Arora, Mohammad Shoeb Khan

Address: 205-207, Sree Complex (Opp. RBANMS Ground)
# 73, St John’s Road, Bangaluru - 560 042
Tel: +91 (80) 4341 2000, Fax: +91 (80) 2350 7971

CHENNAI
Address: 5B, 6th Floor, Gemini Parsn Apts,
599 Mount Road. Tel: 044-28221712

SOUTH:
GM: Rajeeb Banerjee
WEST:
GM: Rajeeb Banerjee

MUMBAI
Address: 404 Trade Square, Mehra Industries Compound Safed Pool,
Sakinaka, Andheri East, Mumbai – 400072
Mobile: 9969424024

MARKETING & ALLIANCES ()
SR. VICE PRESIDENT: Rachna Garga
ASST. MANAGER MARKETING: Rajiv Pathak
MANAGER, MIS & DATABASE: Ravi Kant Kumar
OPERATIONS
GENERAL MANAGER: CP Kalra
MANAGER: Ashok K

DELHI
Address: Cyber House, B-35, Sec 32, Gurugram,
NCR Delhi-122001. Tel: 0124-4822222, Fax: 2380694

EVENTS & COMMUNITIES
SENIOR MANAGER: Debabrata T Joshi
ASST. MANAGER: Shiv Kumar

USA
CIRCULATION & SUBSCRIPTIONS
HEAD: Rachna Garga
SR. MANAGER: Sarita Shridhar
SR. PRESS CO-ORDINATOR: Harak Singh Ramola
CHENNAI: C Ramachandran

Media Representative: Ms. Leslie Hallanan, Avani Media Inc.,
80 Liberty Ship Way, Suite 25, Sausalito, CA 94965, USA
Tel: +1-415-3312150, Fax: +1-415-3312151
Email: , Website: www.avanimedia.com

For subscription queries contact:
Send all your tech questions to:

www.pcquest.com

6

/>
PCQUEST M A R C H 2 0 1 9

/>
Printed and published by Pradeep Gupta on behalf of CyberMedia (India) Ltd,
printed at printed at M/s Karan Printers, F 29/2, Phase II, Okhla Industrial Area,

New Delhi, published from D-74, Panchsheel Enclave, New Delhi-110017.
Editor: Anil Chopra. Distribut ed in India by IBH Books & Magazines Dist. Pvt. Ltd, Mumbai.
All rights reserved. No part of this publication may be reproduced by any means without
prior permission.

/>
/>


pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


Tech Musings

Shrikanth G, Executive Editor


Taming The Nexus Of Forces
E

Emerging tech
is the new
normal in IT. It
brings people,
machines, data
and organizations
together in a
large ecosystem.

very enterprise in order to survive and thrive in the digital economy needs to have a well-meshed

emerging tech strategy. They need to seamless integrate the new with the old, and in some
cases completely overhaul legacy IT. Emerging tech is the key spoke in the digital hub. Let’s see how
CIOs can approach a tech like IoT and navigate the complexities.
The emergence of new technolgies will require CIOs to be a partner in shaping and executing
business strategies. With the potential for disruption to existing business models, many organizations will be susceptible to new competition from players in adjacent spaces, including existing
partners and from start-ups. The CIO will need to help seed ideas, collaborate in defining an overall
emerging strategy and ensure that the organization has access to the necessary capabilities to
execute this strategy.
The CIO has to ensure that funded new tech initiatives have a clear business case – in terms of
operational efficiency and/or new revenue opportunities. This may include considering how connected products can be monetized and how the value of emerging technologies can can be leveraged.
More than having a long-term roadmap, experts say that it is more beneficial to take an agile
approach, which facilitates rapid cycles of experimentation and evaluation. Experts also say that
many of the organizations they work with are creating cross-functional and multi-disciplinary groups
focused on rapidly developing and evaluating prototype products. The main purpose of CIOs would
be on business outcomes. CIOs would be the crucial catalyst for organizations for capturing and to
harness the potential of IoT. They should ideally have the following priorities:
s)DENTIFYBUSINESSOUTCOMESANDSUBSEQUENT2/)S
s%VALUATEANDEXPANDEMPLOYEESKILLSBASEDONNEWTECHNOLOGY
s#ONCERNABOUTSECURITYANDDATAPRIVACYRELATEDISSUES
s!LIGNORGANIZATIONALOBJECTIVESWITHSKILLSETSREQUIRED
Clearly, emerging tech is the new normal in IT. It brings people, machines, data, and organizations together in a large ecosystem. CIOs need to play a significant role in enabling emerging tech in
their organization with advanced support, equipment, infrastructure and skill sets as it is reshaping
enterprise IT, requiring CIOs to be more visionary, more collaborative and more business-minded.
!CCORDINGTOEXPERTS
)4
/4INTEGRATION
WHICHMEANSINSTEADOFHAVINGSEPARATE)4INFORMATION
TECHNOLOGYAND/4OPERATIONALTECHNOLOGYSYSTEM
THEREISANINTEGRATEDPROCESSANDINFORMATION
flow, while the CIO and engineering organizations need to define a roadmap for the organizations.

For instance, IoT is having a significant impact on the OTs and in the way IT operations is monitoring
them. CIOs and IT leaders need to adapt skill sets, processes, and tools to monitor IoT availability
and performance in order to support business initiatives.
"OTH#)/SAND#8/SAREREALIZINGTHEINTERPLAYANDPOTENTIALOF!)
-,
20!
)O4
#LOUDAND"IG
Data technologies. These technologies are increasingly taking center stage, not as part of the IT
strategy, but also the business strategy and business enabling IT, aver experts.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

7


COVER STORY

TECHNOLOGICAL DISRUPTION IS
THE FUTURE: A BIRD’S EYE VIEW
ACROSS INDUSTRIES
Mohar V., Co-Founder and Business Evangelist, Techved Consulting

T

he phenomenal technological advancements

that have occurred in the past few years have
borne fruit to a plethora of industries in the
professional world. It is not merely the more
technologically inclined industries like IT, finance
and defence that have benefited.The proliferation
of artificial intelligence (AI), Machine Learning(ML),
and the Internet of Things (IoT) among others have
disrupted industries such as healthcare, fashion,
agriculture, real estate, marketing, media, insurance,
transportation, education, entertainment and travel
and hospitality as well. Let us understand which
technological advancements have contributed the
most to the collective.
One of the most instrumental technologies in
industrial operations today, Artificial Intelligenceis
8

PCQUEST M A R C H 2 0 1 9

the ability of a computer or computer-enabled robotic systems to process massive and deep amounts
of data to produce outcomes similar to the thought
processes of humans. In other words, these technologies learn, analyse, decide, and solve problems in a
human-like manner. The AI applications are simply
endless, and the ascendance of computer science is
unsurprising. The global AI market was worth $7.35
billion in 2018, where the largest portion of revenue
was stirred from enterprise applications. The market is
expected to catapult to $89.84 billion by 2025.
AI is being used for research and development,
predictive analytics, real-time operations management, risk management, and content distribution

among various other applications. Tactical Research
has identified a total of 191 AI use cases; about

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


60% of the top ten are related to big data while the
abilities to recognize human speech. Though they are
remaining 40% are related to image or object recogcurrently being implemented in the digital marketnition.
ing, they will also be used in the product and service
AI has also enabled other technological revoluproviding industries such as food and airline going
tions in consumer service in the form of chatbots. The
forward.
AI-enabled software performs automated interactions
Other advancements such as Augmented/Virtual/
with humans in terms of addressing queries and other
Mixed Reality and multidimensional experiencetechrequests on digital platforms like apps and websites.
nologies are also making a foray into every sector
These bots are now a common element in almost
imaginable. The former are immersive experiences
every product or service industry such as travel, food,
that transit from a real world to variations in the virfinance, news media and healthcare.While offering
tual world. The stimulated environments are essenon-demand solutions based on personalization,they
tially conjured out of thin air through use of apps and
have been developed to eradicate any possibilities of
computers where users are either within the virtual
negative responses with certain elements of humour
worlds, or they are augmented in the real world. It
as well.
is estimated that the total revenue for AR/VR techIt has been established that

nology will increase from $6.1
AI processes massive and deep
billion in 2016 to $209 billion by
amounts of data, but where does
2022. It is well known that AR/
AI has also enabled other
the data come from? The Internet of
VR/MR is stupendously being
technological revolutions
Things (IoT) is known as the treasure
implemented in the gaming
in consumer service in the
trove of data as it comprises all webindustry, but other sectors like
form of chatbots. The AIenabled devices that collect, process,
video entertainment, education,
enabled software performs
send, and act on data without the rereal estate, and retail are also
automated interactions
quirement of human interaction. The
increasingly using these techwith humans in terms of
data is acquired from embedded sennologies in unique ways. They
addressing queries and
sors, processors and communication
essentiallyenhance the element
other requests on digital
hardware. In laymen terms, it takes
of engagement among consumplatforms like apps and
all devices in the world and connects
ers; a mandatory requirement in
websites.

it to the internet. The applications
the modern marketplace.
of IoT have been used in versatile
On the other hand, multimeans including smart factory applications and smart
dimensional experienceshave gained prevalence in
warehousing, predictive and remote maintenance,
a few industries as well. Apart from the fact that the
connected logistics, goods and transportation monientertainment industry is using a 5D, 7D and even 9D
toring, smart city applications, manufacturing equipexperiences in theatres and theme parks, the implement monitoring, industrial heating and ventilation,
mentation of 4D and 5D technology has also helped
safety and health among various use cases.
other sectors such as education and construction.The
According to the Industry ARC research, the industechnology allows automatic generation of quantities
trial IoT market is estimated to reach $123.89 billion
to be processed quicker while increasing data acby 2021. The stupendous growth is due to its merits
curacy, and thereby reducing costs. The key takeaway
in improving operational efficiency, productivity, and
is that the technology serves all aspects of design and
asset utilization while reducing downtime.
construction with shorter project cycles. It also allows
Another technological advancement that is
for creation of models, for instance in subjects like
expected to become a mainstay in the digital marmedicine and engineering, to allow for better underketing industry in particular is Conversational UI. It
standing of concepts and hands-on experience.
represents a paradigm shift in the sense that it offers
In conclusion
the privilege of interacting with computers in humanThe development of these technologies may
like conversational patterns through user interface
have been expected, but the manner in which they
of apps or websites. Colossal tech companies like

have disrupted the number of industries in different
Amazon (Alexa), Apple (Siri) and Google’s Personal
ways is unprecedented. These technologies will only
Assistant are at the forefront of voice assistance
develop further, the prospect of which is immensely
today. They are increasingly being used for searching
exciting.
information on the internet due to the technological
pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

9


CORENER

AI AND ML CREATES MULTIFOLD
EFFICIENCY BY OPTIMIZING
FACILITIES IN REAL-TIME
Prabhu Ramachandran, Founder and CEO, Facilio Inc

A

rtificial Intelligence and Machine Learning
are now more than just buzzwords. AI and
ML are increasingly becoming integrated
with our everyday services, which we

may not realize. With connected intelligence made
possible by the Internet-of-Things (IoT), data-based
decision making and control becomes a cakewalk.
While individuals get the windfall benefits of AI and
ML by means of better playlist suggestions, local
offers, location and context-relevant content access.
On the other hand, CREs benefit from a centralized
view and control of their building operations and
sustainabilitydata that helps them make informed
10

PCQUEST M A R C H 2 0 1 9

decisions to provide exceptional experiences.
This ‘actionable intelligence’ made possible by the
convergence of data, AI, and ML have also started to
revolutionize our living spaces, with buildings and
facilities management space accelerating on the
highway of automation. Automation in buildings is
not a recent phenomenon. For years, every wave of
technological advancement has been integrated into
our buildings space to achieve better energy savings, increase the efficiency of personnel, and have a
centralized control room for large facilities.
The aim has always been in finding ways to
systematically control buildings and make them as

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


efficient and sustainable as possible. An inefficient

building incurs as much as 30%more energy costs
and 15% more on maintenance expenses, which
would lead to a staggering reduction on any company’s bottom line.
The consumer awareness and demand for ‘smart
offices’ and living spaces have also been driving the
adoption of AI and ML in facilities management.
While a vast majority of today’s millennial workforce
want to be in smart offices in the next 5 years, buildings are reeling in inefficiencies, building a strong
case for technology-led facilities management. A
modern and holistic facilities optimization solution
not only takes care of end-to-end building operations
and sustainability but also ensure the inhabitant’s
comfort.This enables quicker returns on investment
for commercial real-estate owners as well as reduce
the impact on the environment at the same time.

By unifying data across multivendor building systems onto
one centralised platform, and
effectively implementing AI
and ML algorithms, facility
managers can move from
being reactive managers to
proactive contributors to
both the CRE’s bottom line by
enabling a smarter workforce,
as well as improving the
sustainability performance of
the environment we live in.

What is measured, is controlled

Proactive real-time maintenance of buildings
requires continuous tracking and maintenance of
workforce. Existing semi-smart facilities in most
buildings are limited in analytical capabilities, and
are simply silos of constant data streams that do
not translate to actionable intelligence. By unifying
data across multi-vendor building systems onto one
centralised platform, and effectively implementing AI
and ML algorithms, facility managers can move from
being reactive managers to proactive contributors
to both the CRE’s bottom line by enabling a smarter
workforce, as well as improving the sustainability
performance of the environment we live in.

It is not a zero sum game
In case of old buildings, years of inefficient handling would have not only resulted in a cumulatively
huge inefficiency, but would also have created a stubborn inertia in decision-making. Owners of old buildings are often reluctant to invest in new age tech,
quoting the old argument that throwing good money
after bad money is unwise. This may be counter-intuitive, but the truth is that old buildings are not on an
irreversible one-way street towards total decline.
Surprisingly, retrofitting of old buildings with proprietary hardware and software integration unlocks
multiple benefits for commercial real estate owners
and facilities managers including huge energy savings and sustainability improvements.
Retrofitment can now be done with minimal
investment without full-fledged physical retrofits,
thanks to new-age digital retro fitment capabilities

unleashed by the power of software. While rising
operating costs and asset depreciation are usually
the reasons building owners and managers seek

retro fitments, many proactively move to modernize
their facilities proactively. Only in the last decade,
retrofitments have moved on from being localized
automation-centric to evolve into integrated building management systems and facilities management
solutions.

The best is yet to come
By adopting technologies such as IoT (Internet
of Things), AI, ML and Cloud, digital retrofitments
instantly does away with the need for costly hardware
inclusions. Instead of replacing all current machinery,
one can apply specialist technologies along with
existing in-site equipment to collect data for aiding
decision making. Simply put, digital retrofitments are
to the building industry, what Industry 4.0 (connected manufacturing) is for the manufacturing sector.
The momentum is going strong. Across the globe,
in 2017 alone, $6.3 billion was invested in intelligent
building systems, which is expected to touch $22 billion in 2026. The overall global investment in facilities
services has already exceeded $1 trillion, which would
give an insight into the enormity of our collective
energy expenditure from buildings. Any incremental
improvement by implementing AI and ML in facilities
management for increasing efficiency and sustainability initiatives would bring huge benefits. The best
is yet to come.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

11


CORENER

SEEKING A QUICK AND EFFICIENT
AI-DRIVEN ENTERPRISE SOLUTION?
A.C.T NOW!
Sudeshna Datta, Co-Founder& Executive V P, Absolutdata

F

or businesses today, the disruptive and
transformative capabilities of artificial
intelligence (AI) are too great to overlook.
The opportunity at hand to transform
traditional organizations into dynamic, adaptive, and
technology-driven enterprises has business leaders
increasingly exploring ways to adapt AI and keep
12

PCQUEST M A R C H 2 0 1 9

up with competing businesses. Organizations that
are unable to do so risk being left behind by newer
businesses that are built on a digital foundation,
unlike existing companies that have to undergo a
digital transformation.
Many companies even struggle to achieve the

short-term results from their AI deployments simply

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


due to their approach to utilizing the technology.
This leads businesses to assume that integrating AI
with their processes is a lengthy and complicated
process. But in reality, it isn’t. In fact, one can indeed
see instant results with AI deployments, and not just
in one or two departments, but across the enterprise.
This brings us to the question – How?
Besides installing AI tools and implementing the
necessary and getting the right talent to operate and
maintain these tools, businesses need to focus on
three critical elements to ensure quick and largescale results. These three elements, namely analytical
framework, context, and technology together form
the A.C.T. strategy which ensures that enterprises not
only integrate AI successfully with their processes but
also leverage it to derive business value immediately
following its deployment.
Let us look closely at the elements of the A.C.T
strategy to see how they can help businesses achieve
this.
Analytical framework: For AI to deliver its full
range of problem-solving capabilities, it needs an
efficient analytical framework to operate on. More
importantly, an analytical framework is needed since
businesses cannot simply put the AI on auto-pilot
mode and trust it to produce real insights without

understanding the business. A framework, therefore,
guides the process of building a custom AI solution
which can be programmed to solve specific business
problems. Furthermore, the framework can map out
how and from where the data will be gathered for
the AI to apply its predictive models and accurately
forecast, say, for instance, the performance during a
marketing campaign or when a particular customer
will make his/her a purchase.
Context: The second factor driving the success of
AI implementation in enterprises is business context,
which enables an AI solution to perform in a manner
and deliver results that help achieve larger business
goals. Contrary to popular belief, AI is self-learning
but not all-knowing and can only learn based on the
inputs provided to it by humans or other connected
systems. For instance, AI will need all the customer
budget information which the sales and marketing department has in order for it to make the right
decisions on when to issue what offers, and which
products customers find attractive at what price
points. AI might continue recommending a past
product simply because it has achieved more sales in
the past or because customers have responded well
to it. However, the AI does not understand that new
products typically generate more customer excite-

Organizations that don’t adopt
to digital technology are left
behind by newer businesses that
are built on a digital foundation.

Many companies even struggle
to achieve the short-term results
from their AI deployments
simply due to their approach
to utilizing the technology. This
leads businesses to assume
that integrating AI with their
processes is a lengthy and
complicated process.
ment than established products without the relevant
context, which humans need to provide when building the solution.
Technology: Technology is the third and most
crucial element of a successful AI deployment strategy, as it helps to put the various pieces together
and ensure successful implementation of automated
systems and processes. Comprehensive AI tools and
solutions that can handle end-to-end enterprise
processes are always a better option for businesses
as compared solutions that are dedicated to very
specific business functions. Moreover, such solutions
are not only more efficient in the long-term, but
also eliminate the need for building a huge team to
develop and deploy different solutions whenever the
need arises. Furthermore, enterprise AI solutions and
platforms are also easily scalable, allowing managers and leaders to tackle specific business problems
across theenterprise and derive maximum value out
of it for the entire organization.
When implemented with an A.C.T. strategy, AI’s
real-world applications can deliver superior outcomes
across all processes and departments, and create
a seamless link between them. Businesses that are

looking to adopt AI, then, can transform their operations and augment their efficiency by taking a multidimensional approach to enterprise automation with
the A.C.T strategy. Consequently, this can be the key
to gaining a lasting competitive edge in their respective sectors and markets.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

13


CORENER

IMPACT OF AI ON
ASSESSING INDIVIDUAL’S
CREDITWORTHINESS
Ranjit Punja is the CEO and Co-Founder of CreditMantri

14

PCQUEST M A R C H 2 0 1 9

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


C

hecking one’s creditworthiness is a very

intricate subject, as all their previous financial
behaviour is comprehensively perused. All
the weighted parameters are assessed and
combined together to form one’s Credit Score, which
is the tool used by the banks/lenders to find out
people’s creditworthiness.
But what about the people who are new to credit?
Since they don’t have any financial history, their credit
score can’t be calculated. Hence, majority of the
times, they are unable to get any credit. For people
who have already availed some line of credit in the
past, it is relatively easier to gauge their Credit Score
as all the information required for the same is available with the Credit Bureaus. This follows a certain

paradigm that dictates that your past will affect your
future. So, if you have been a delinquent borrower
in the past, it’s going to reflect in your future credit
score analysis as well.
But it doesn’t take into account those people who
have become more responsible now but have nothing to show for it. So how can these people who are
deemed undeserved and who are new to credit get
the best credit available for them?

How AI helps in assessing people’s
Creditworthiness
Artificial Intelligence goes beyond the traditional
data used to determine people’s creditworthiness. All
the data the people share is pooled together and machine learning is used to analyse the data to correlate
it with the criteria provided by the lenders.
This data includes both the traditional data; i.e.

past payment records, credit age, utilization ratio;
and alternate data; i.e. digital footprint, employment
status, etc. Hence, all the past and current behaviour
of people is comprehensively analysed and used
together to gauge their creditworthiness. So, for
people who have only recently showed a responsible
behaviour or who are new to credit, Artificial Intelligence is a great means to get them on track with
their financial aspirations.

What it means for lenders
So far, we have discussed about people’s behaviour change for the better, but it can very well be
the other way around. People who were responsible
before could likely show just the opposite behaviour
in the future due to certain circumstances. Similar
to how Artificial Intelligence helped in bringing the
creditworthy people to light, it can also help determine the potential delinquents.
This is a great asset for lenders as they are able to
better distinguish the creditworthy and potential delinquents, and can set the lending terms accordingly
for each group.

AI’s effect on overall lending industry
With a better know-how of the potential risk that
comes with each borrower, more and more lenders
are adopting Artificial Intelligence to determine the
creditworthiness of people. Even though it’s still at
a nascent stage, it has still managed to change the
dynamic of lending industry with better understanding of the creditworthiness of people, and is expected
to bring about a revolution in this industry in the near
future.
pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

15


CORENER

ADVANTAGE OF AI IN EFFICIENT
AND PERSONALIZED LEARNING
Ashok Pandey


M

aybe slowly, but surely, Artificial
Intelligence (AI) is going to make a huge
impact on our educational system. The
advantage of AI on education could be
many that will help teachers and student both.
AI would help us to make an efficient plus personalized learning approach, optimized for the needs of
each learner. We spoke to Rajshekhar Ratrey, VP and
Educational Content at Toppr, to understand the deep
impact of AI on education:

How AI would benefit the educational system?
Each invention in education was aimed to improve
its quality and reach. Today, Artificial Intelligence

16

PCQUEST M A R C H 2 0 1 9

will play that part. E-learning companies harness the
power of Artificial Intelligence, Big Data, and Natural
Language Processing. Using this advanced technology, they are not only able to bring education to the
fingertips of every child, but also personalise every
child’s learning experience. The personalisation of
education plays a key role in a diverse country like India because it solves a problem that cannot be solved
by traditional means.
E-learning apps recognise and acknowledge
the fact that every child has unique learning needs.
In India, where classrooms are packed with a large
number of students, teachers use a one-size-fits-all
approach. They teach at a pace that the average stu-

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest


dent should understand. Due to this, slow learners lag
behind and keep trying to catch up with the teacher’s
pace. They either end up rote learning concepts that
they have missed or lose the motivation to study. Fast
learners, on the other hand, get bored with the slow
pace of learning and lose interest.
AI can solve this problem by making learning
personalised for every child. AI can ensure that each
child has a unique learning experience based on his/

her aptitude, grasping skills, and basic knowledge for
each subject.

How can AI adoption change education?
Indian students face some of the most competitive scenarios in the world – especially when it comes
to engineering and medical entrance exams. However, most schools don’t provide any additional support
to students when it comes to cracking these exams.
Moreover, many schools have a sub-par infrastructure
and teachers.
These factors, have made students look beyond
their school classrooms and towards expensive but
unsatisfactory coaching classes. These classes talk
about helping students learn better, but they come
with the same problems of a traditional classroom set

up – students cannot receive any individual attention.
In spite of this, coaching classes have become popular because students did not have any other options,
until the last couple of years.

Advantages of AI on manufacturing industry
On the other hand, smartphones and tablets have
been known as entertainment and connectivity devices in the Indian household. This will change when
parents and students realise that eLearning apps
provide a much more personalised learning experience that bolsters their strengths while constantly
improving their weaknesses.
One of the major Advantage of AI is, AI-powered
eLearning apps will not replace teachers in general,
but they will definitely become the first choice of an
after-school learning source for most students.

How AI offer efficient and personalized learning?
Using advanced technology, eLearning apps like
Toppr can create adaptive learning paths. The apps
study the behaviour of students and gauge their
aptitude for each subject. Using this analysis, apps
can ensure that each child learns at a pace that he/
she is comfortable with. They first strengthen the
basic concepts and then ease them into the complex
ones.
Using AI, the education industry can ensure that
every child learns in a way that’s best for them, creating a better learning experience for each of them.

How AI can be used to clear doubts?
A big problem that students face when they are a
part of a classroom is that teachers do not have the
time to solve every single doubt asked by every child.
Students are often confused about basic concepts
and this affects their understanding of complex topics.
Elearning apps like Toppr believe that student
doubts should be solved instantly, round the clock.
This is why, using an app, students can solve their
doubts on chat. All they have to do is upload a picture
of their doubt on the chat app.
Using Artificial Intelligence and natural language
processing, a bot scans through the database and
suggests a solution based on a similar doubt asked
in the past. If the bot cannot find an answer, or if the
student needs any further explanation, he/she can
chat with an expert at the click of a button. Today,
over 20% of all doubts are solved by the bot, and

most doubts are solved within a minute.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest

MARCH 2019

PCQUEST

17


CORENER

HOW CAN AI ADOPTION CHANGE
THE PERCEPTION OF EDUCATION?
Ashok Pandey


A

rtificial Intelligence (AI) is one of the
buzzwords and many industries including
education, manufacturing and healthcare
are adopting it for better efficiency and
lower error. The new developments in AI is leading us
towards the new future.
AI has already been applied to education to
develop skills, as AI educational solutions continue to
mature, the hope is that AI adoption can change the
perception of education. We discussed AI adoption in

the Educational system to understand its impact with
Sanjeev Kumar, Co-Founder and CTO at Gradeup.

How education/exam preparation is greatly
benefited from AI?
From the moment a user signs up on Gradeup
platform, we present content which has been curated
to his/her needs. This is made possible by our intelligent machines which recognise the patterns of app
usage and preferences of the user. A great example
would be the posts shown in the feed.
If the user has previously shown great interest in
reading articles, we’d show them more articles, if we
think the user loves solving the quizzes, we push in
more quizzes in his/her feed. Everything that is shown
on the app has been customised for the user and all
of this is only possible with the help of AI.

How AI adoption can change education in India?
No two students are the same. Some might grasp
things at great speed while some may need more
time to understand what is being taught. The way
courses are taught in schools and colleges might suit
some students, but for certain, there are a lot of students who’d think they want the content to be taught
at a different speed or may be in a different way.

Advantage of AI in personalized learning
However, there’s only so much a teacher can do
and it’s practically impossible to make everyone
happy. This is where AI comes in! AI can recognize the
18

PCQUEST M A R C H 2 0 1 9

speed at which a student likes to learn, the time of
the day he/she might like to study, the type of content the student enjoys and the list goes on.

How AI offers efficient competitive exams/ clear
doubts/ test preparation platform for students?
Imagine this. You are sitting in a class. The teacher
has gone into great detail in explaining a topic
dreaded by students. You miss a detail. You spend
the rest of the class connecting dots and not understanding anything. This has happened to all of us, and
many times! But with Gradeup, this does not have to
be the case.

Advantages of Artificial Intelligence on
manufacturing industry
If at any point you have a doubt, just post it on our
app, our machines will look at it and it may so happen
that this doubt has been posted before by another
student if so, you’ll be directly taken to that doubt. If
not, we detect the topic of the doubt and our machines figure out the experts in this topic and make
them clear your doubts, all on their own. With such intelligence, you’re never stuck at something and with
all the personalised content it’s never been easier to
get through exams.

pcquest.com twitter.com/pcquest facebook.com/pcquest linkd.in/pcquest