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TDM Group and Arqaam Capital Forge ArqNeT – A Groundbreaking Electronic Trading Infrastructure Linking Europe to MENA Markets

TDM Group, a distinguished provider of Global Managed Business IT Services, has played a pivotal role in the creation of ArqNeT, a transformative trading infrastructure, in close collaboration with Arqaam Capital. This innovative platform now empowers Arqaam Capital’s institutional clients to engage in faster, smarter, and more secure electronic trading across 50+ global exchanges.

The longstanding partnership between TDM Group and Arqaam Capital, a specialist in emerging markets and MENA financial services catering to DFSA regulated institutional clients, spans over 16 years. During this period, TDM Group has diligently worked to enhance Arqaam Capital’s technological prowess, aligning it with their vision of becoming the premier stock market trading conduit for the MENA region through digital transformation. The fruit of this collaboration is ArqNeT, a cutting-edge trading infrastructure.

TDM Group has played a fundamental role in the development of this transformative infrastructure, enabling institutional clients in Europe to execute trades in MENA markets with unprecedented speed through a centralised control mechanism.

TDM Group’s CEO, Tarek Meliti, elaborated on this collaborative journey, stating, “Arqaam Capital’s willingness to embrace change through digital transformation allowed us to work in partnership with them from both a business and technology perspective. We helped them to establish a technical strategy that aligned with their business goals. This provided the foundation for the development of a stable and compliant infrastructure that delivers rapid access to emerging market exchanges for major financial institutions in Europe.”

ArqNeT replaces existing third-party infrastructures for institutional clients, offering them secure and intelligent access via a centralised private network. This network efficiently directs trade messages to the relevant MENA exchanges, thereby enhancing trade performance by up to 75%.

Amr Elshamy, Managing Director and Head of Electronic Trading and Global Execution at Arqaam Capital, underscored the transformative impact of ArqNeT, stating, “ArqNeT has transformed Arqaam’s electronic trading platform into the leading destination for inbound MENA electronic order flow, providing best in class infrastructure, empowered by low latency and high resiliency, ensuring best execution for our clients.”

Maharashtra Government and London’s Victoria and Albert Museum Sign MoU on 03 October 2023 for Repatriation of Chhatrapati Shivaji Maharaj’s ‘Wagh Nakh’

London – In a momentous cultural event, the path has been cleared for the historic ‘Wagh Nakh’ (Tiger Claws) weapon, once wielded by Maratha leader Chhatrapati Shivaji Maharaj, to return to India.

The ‘Wagh Nakh,’ a formidable iron weapon resembling tiger claws, holds a special place in the chronicles of Indian history as it was wielded by Chhatrapati Shivaji Maharaj.

A dedicated three-member team, led by Maharashtra’s esteemed Minister of Cultural Affairs, Shri Sudhir Mungantiwar, along with Mr. Vikas Kharge (Principal Secretary, Cultural Affairs), and Mr. Garge (Director, Archaeology and Museums), traveled to London to formalize this momentous agreement.

The transfer contract between the respective parties is likely to be signed on 15 November 2023.

Once the ‘Wagh Nakh’ returns to India, it will be housed in various museums across Maharashtra, where the public will have the privilege of viewing this symbol of valor and victory. The ‘Wagh Nakh’ will be displayed at Satara’s Shri Chhatrapati Shivaji Maharaj Museum, Nagpur Museum, Kolhapur Museum, and Chhatrapati Shivaji Maharaj Vastusamgrahalaya, Mumbai. As per the agreement, the artifact will return to London after the agreed duration of 3 years and will be placed at the Victoria and Albert Museum.

Designed with precision to slash through skin and muscle, this weapon is currently housed within London’s Victoria and Albert Museum, serving as a testament to India’s rich heritage.

After the signing ceremony of the historic MoU, Minister Shri Sudhir Mungantiwar expressed his optimism, stating, “As we celebrate the 350th anniversary of the coronation of Chhatrapati Shivaji Maharaj, we had resolved to bring back the ‘Wagh Nakh’ to its rightful home. This historic artifact should serve as an inspiration for the people of our country to emulate the unwavering dedication and bravery of our beloved leaders. We have signed the MoU paving the way for the ‘Wagh Nakh’ to return to India in November.”

In his appeal to the people of Maharashtra, he said, “After the ‘Wagh Nakh’ arrives in India, it will be displayed in various museums under the Directorate of Archaeology and Museums in the future. I am requesting not only the people of Maharashtra but also the people of India to participate in large numbers in the exhibition of the ‘Wagh Nakh’ and other Maratha weapons that were useful for Swaraj, take inspiration from this Shivshastra saga, and behave in a manner that enhances the spirit of patriotism.”

This landmark endeavor not only honors the legacy of Chhatrapati Shivaji Maharaj but also represents a powerful symbol of cultural pride and historical resurgence for the people of Maharashtra and all of India.

Guardiola unconcerned by Manchester City defeats

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Pep Guardiola has brushed off concerns around Manchester City’s recent wobble and believes it can be explained by the absence of a number of experienced players.

City’s flight to Germany for tomorrow night’s Champions League clash with RB Leipzig was delayed due to bad weather this afternoon but they go into the game on the back of two defeats – to Newcastle in the EFL Cup and at Wolves in the Premier League on Saturday.

The European champions have been without a number of senior players from last season’s treble success in the early parts of this campaign and Guardiola, while pleased with how the other squad members have stepped up, says they will improve in time.

He said: “I don’t know what’s going to happen this season. What the players have done is unbelievable. We conceded two shots on target [at Wolves] and we lost the game, that’s football.

“We have to improve. The basis of what we did last season was [John] Stones, Rodri, Bernardo [Silva], [Kevin] De Bruyne, [Ilkay] Gundogan, [Jack] Grealish and they haven’t been there.

“Sometimes you have to adjust, it’s normal.”

The sale of Gundogan, the injuries to Stones, Bernardo, De Bruyne and Grealish as well as Rodri’s suspension has meant more playing time for the likes of Julian Alvarez, Jeremy Doku and Mateo Kovacic and Guardiola has been impressed by their contributions.

“Mateo and Julian have been amazing,” he added. “I could not expect much more from Mateo this early. [Likewise] Jeremy. But there are some players who know exactly what they have to do because they’ve been here seven years together. I breathe and they know what to do, some don’t. It will take games and games for them to.

“Now we have to move forward. We have Leipzig, then away to Arsenal. We’re not going to win the Premier League at Wolves or lose it.

“[We need to] Get back to our principles and learn from the game. I’m more than pleased at what they’ve done so far and you have to move on.”

The positive news for Guardiola is that Stones, Bernardo, Grealish and Rodri could be available for the Leipzig game.

Speaking specifically about Bernardo and Stones, he added: “They feel better. Bernardo better than John. Both will travel and we decide tomorrow.

“I’m really happy they’re back. John has not played one minute this season. Bernardo had an injury and the birth of his beautiful baby daughter but they’re back and it’s good news for us.”

Breaking Academic Barriers: Craft the Perfect Business Studies Dissertation Proposal for Success

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Writing a dissertation proposal in the field of business studies is a critical step towards embarking on your academic journey to explore, analyze, and contribute to the vast world of business knowledge. In this guide, we will delve into the essential elements of a dissertation proposal, its significance, and the key components that make it a winning document.

When it comes to writing a winning dissertation proposal in Business Studies, seeking expert guidance from services like Dissertation Help UK can greatly enhance your chances of success.

A dissertation proposal is a detailed document that outlines the research project you intend to undertake as part of your advanced studies in business. It serves as a roadmap, guiding you through the process of formulating, conducting, and completing your research. This proposal is essentially a formal request for permission and funding to carry out your research project.

In business studies, the significance of a well-crafted dissertation proposal cannot be overstated. A dissertation proposal helps you narrow down your research focus. It forces you to articulate your research questions, objectives, and the specific problem you aim to address. This clarity ensures that your research is purposeful and relevant.

It acts as a means of obtaining feedback from your advisors or committee members. They can provide insights, suggestions, and corrections to refine your research approach. Many research projects in business require significant resources, both in terms of time and money. A well-structured proposal helps institutions allocate these resources effectively. It outlines the ethical considerations you will adhere to during your research, ensuring that your work is conducted responsibly and with integrity.

Key Components of a Dissertation Proposal

A winning dissertation proposal in business studies comprises several essential components:

  • Research Question(s): This is the core of your proposal. Clearly define the main question or questions your research seeks to answer. Your research question should be specific, relevant, and academically meaningful.
  • Objectives: Outline the specific goals and objectives of your research. What do you intend to achieve through your study? Your objectives should be aligned with your research questions.
  • Problem Statement: Articulate the problem or issue you aim to address. This statement should be concise and should highlight the significance of your research in addressing a particular gap or challenge in the field of business.
  • Literature Review: Discuss the existing body of knowledge related to your research topic. Identify key theories, concepts, and empirical studies that are relevant to your study. The literature review serves as the foundation upon which your research will be built.
  • Theoretical Framework: Present the theoretical framework that will guide your research. This framework provides a conceptual lens through which you will analyze your data and draw conclusions. It should be well-grounded in established theories and concepts in business studies.
  • Methodology: Describe the research methods and techniques you will use to collect and analyze data. Explain why these methods are appropriate for your research and how you plan to carry them out.
  • Data Collection and Analysis: Provide details on how you will gather and analyze your data. This section should include information on the sample population, data sources, and data analysis techniques.
  • Expected Contributions: Discuss the potential contributions of your research to the field of business studies. How will your study advance existing knowledge or address practical issues?
  • Timeline: Create a timeline that outlines the various stages of your research project, from proposal approval to dissertation completion.
  • References: Include a comprehensive list of all the sources you have cited in your proposal. Follow the citation style recommended by your institution or advisor.

Writing Your Dissertation Proposal: Tips and Strategies

Embarking on the journey of writing your dissertation proposal can be both exciting and challenging. Your proposal serves as the blueprint for your research, setting the stage for the entire dissertation project. When tackling the task of crafting a winning dissertation proposal in Business Studies, it’s essential to leverage the expertise offered by the best essay writing services UK to ensure your proposal stands out and excels.

Choosing the right research topic is a crucial first step in the dissertation proposal process, as it sets the tone for your entire project. Here are some strategies to help you select a topic that aligns with your academic and career goals:

  • Passion and Interest: Start by identifying areas within your field of study that genuinely interest you. Passion for your topic will sustain your motivation throughout the research process.
  • Literature Review: Conduct a preliminary literature review to identify gaps, controversies, or underexplored areas in your field. Look for topics that have both theoretical and practical significance.
  • Alignment with Career Goals: Consider how your research topic aligns with your long-term academic and career goals. Will it contribute to your expertise or open up new opportunities in your desired field?
  • Feasibility: Assess the feasibility of your chosen topic. Do you have access to the necessary resources, data, and research materials to pursue this research effectively?
  • Consult with Advisors: Seek advice from your academic advisors or mentors. They can provide valuable insights and help you refine your research interests.

Once you have a broad research topic in mind, the next step is to refine it into a specific, effective research question. Here’s how to do it:

  • Narrow the Focus: Your research question should be specific and focused. Avoid broad, vague questions. Consider the “who,” “what,” “when,” “where,” and “how” aspects of your topic.
  • Test for Clarity: Ensure that your research question is clear and concise. Can someone outside your field understand it without difficulty?
  • Relevance: Assess the relevance of your research question. Does it address an important issue or problem in your field? Will it contribute to existing knowledge?
  • Feasibility: Consider whether your research question is feasible within the scope of your dissertation. Is it realistic to answer within the time and resources available?
  • Originality: Determine whether your research question adds to the existing body of knowledge. It should offer a unique perspective or insight.

The choice of research methods and data collection techniques is another critical aspect of your dissertation proposal. Here are some insights to help you make informed decisions:

  • Methodological Alignment: Ensure that your chosen research methods align with your research question and objectives. Different research questions may require qualitative, quantitative, or mixed methods.
  • Data Sources: Identify the sources of data relevant to your research question. Will you rely on primary data (collected by you) or secondary data (existing sources)? Consider the availability and accessibility of data.
  • Data Collection Tools: Choose the appropriate data collection tools and techniques. For surveys, consider online or in-person questionnaires. For interviews, decide between structured, semi-structured, or unstructured interviews.
  • Ethical Considerations: Address ethical concerns related to data collection, such as informed consent, confidentiality, and data security. Ensure that your research adheres to ethical guidelines.
  • Pilot Testing: Before implementing your research methods, conduct pilot tests to identify and resolve any issues or challenges.
  • Resource Management: Assess the resources, including time, budget, and personnel, required for your chosen research methods. Ensure that you have access to the necessary equipment and software.

Structuring and Refining Your Proposal

Creating a well-structured and refined dissertation proposal is paramount to the success of your research endeavor. A well-organized proposal not only makes it easier for your readers to understand your research intentions but also sets a solid foundation for your entire dissertation project. In this guide, we will explore the recommended structure for a dissertation proposal, the importance of clarity and organization, and the value of seeking feedback and revising your proposal for improvement.

A structured dissertation proposal helps your readers follow the logical progression of your research plan. While specific requirements may vary depending on your institution and field of study, here’s a recommended structure that encompasses essential sections:

  1. Title Page: This should include the title of your proposal, your name, your advisor’s name, the date, and the name of your institution.
  2. Abstract: A concise summary of your proposal, typically around 200-300 words. It should provide an overview of your research question, objectives, methods, and expected contributions.
  3. Introduction: Begin with an introduction that provides context for your research. Explain the importance of your topic and its relevance to your field of study.
  4. Literature Review: Present a comprehensive review of existing literature relevant to your research. Highlight key theories, concepts, and empirical studies that inform your study. Discuss the gaps or controversies in the literature that your research aims to address.
  5. Theoretical Framework: Introduce the theoretical framework that will guide your research. Explain the relevance of this framework to your research question and objectives.
  6. Research Question and Objectives: Clearly state your research question(s) and objectives. Ensure that they are specific, clear, and aligned with your literature review and theoretical framework.
  7. Methodology: Describe the research methods and data collection techniques you will use. Explain why these methods are appropriate for your study. Address issues related to data sources, sample selection, and data analysis.
  8. Data Collection and Analysis: Provide details on how you plan to collect and analyze data. Include information on data sources, instruments, and statistical or qualitative analysis methods.
  9. Expected Contributions: Discuss the potential contributions of your research. How will your study advance knowledge in your field or address practical issues?
  10. Timeline: Create a realistic timeline that outlines the various stages of your research, from proposal approval to dissertation completion.
  11. References: Include a comprehensive list of all the sources you have cited in your proposal, following the citation style recommended by your institution or advisor.

A well-structured proposal makes it easier for your readers, including your advisors and committee members, to understand your research intentions and the logical flow of your study.

An organized and clear proposal reflects professionalism and attention to detail. It demonstrates your commitment to conducting rigorous research.

Communication: Clarity ensures that your ideas and research plans are communicated effectively, reducing the chances of misinterpretation. An organized proposal streamlines the review process. Reviewers can quickly assess the quality and feasibility of your research. A well-structured proposal helps you manage your time efficiently throughout your research project, reducing the likelihood of delays or setbacks.

The Value of Seeking Feedback and Revising Your Proposal

Once you have drafted your proposal, it’s crucial to seek feedback from your advisors, mentors, or peers. Here’s why feedback and revision are invaluable:

  1. Quality Improvement: Feedback provides insights into areas where your proposal can be strengthened, such as refining your research question, improving the clarity of your writing, or enhancing the coherence of your argument.
  2. Alignment: Feedback ensures that your proposal aligns with the expectations and standards of your institution and field of study.
  3. Error Identification: Reviewers can help identify and correct errors in your proposal, ensuring that it is error-free and well-polished.
  4. Perspective: External feedback offers fresh perspectives on your research, helping you see potential blind spots or overlooked aspects.
  5. Confidence: Incorporating feedback boosts your confidence in the quality of your proposal, which is essential for a successful defense and dissertation project.

In conclusion, structuring and refining your dissertation proposal is a critical step in the research process. A well-organized proposal that prioritizes clarity and adheres to a recommended structure sets the stage for a successful research journey. Moreover, the process of seeking feedback and revising your proposal is integral to its improvement and overall success. By following these guidelines and continuously refining your proposal, you will increase your chances of receiving approval and embarking on a productive and rewarding dissertation project.

Why you shouldn’t stop playing golf in Winter

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With the sunlit fairways of the Marco Simone now behind us, you may feel like it’s time to pack up your golf clubs for the Winter.

While warm, sunny weather is the obvious condition choice for countless golfers, that isn’t to say you can’t enjoy the game when the colder seasons come around.

Many players choose not to play during the Winter months because they don’t want to deal with lower temperatures and drizzly or icy conditions.

But this means players limit themselves to only playing golf for three-quarters of the year, with a full three months off-limits.

But by adapting your mindset, timing and wardrobe to meet the demands of the cooler months, you could open yourself up to plenty of practice to lower your handicap.

Here’s why you should still play golf in the winter

Quieter courses

Because so many players only prefer playing in warmer, dryer conditions, countless golf
courses are infinitely quieter during the winter months, making it much easier to step onto
the tee without feeling rushed or struggling to get a spot in the first place.

This is ideal if you worry about holding up other players, or simply don’t want the added
pressure of other players being around you when making your shot – hitting a good shot is
hard enough without extra pairs of eyes.

So if you want to enjoy a more relaxed, open and stress-free game, playing golf in winter
could be the answer you’ve been looking for.

Refreshing mornings

If you know someone who is an early-morning runner or jogger, and that person enjoys
heading out on chilly winter mornings, they may have let you in on their secret that
embracing the cold in the morning is a great way to start the day…which is why it makes all the sense in the world to get out on the course early in the winter.

The cold can work wonders in waking us up and sharpening our focus – two things we need
if we want to perform to our best both on and off the course.

But the cold is also said to have plenty of health benefits, too. Everything from our mental
health to our bodies’ ability to burn fat effectively can be boosted as a result of cold exposure early in the morning.

So if you’re planning on golfing in the winter, head down to the course early if you want to
enjoy a refreshing, invigorating game.

Greater yardage and bounce in your shots

The frozen ground might not make it easy to dig troughs, but for golfers, it presents a
surprising advantage.

In average conditions, golf balls still experience a decent level of bounce, depending on the
type of grass they bounce on. But, in wintery conditions where the ground is close to frozen
solid, you can expect your ball to bounce considerably further, adding a few precious extra
yards to your shot.

You’ll also receive a decent amount of bounce on the greens too, as they will be much firmer than usual. This is perfect for those larger greens and longer chips where a couple of extra yards can come in handy when trying to reach the hole, leaving yourself with the shortest putt possible.

Just don’t expect those shots to work brilliantly on frozen greens, though. If there’s a thin layer of frost or dew, it could slow your ball down as it rolls.

Cheaper course fees

With all the golf clubs, golf balls, accessories and other equipment you need, golf can be an
expensive sport at the best of times. However, if you’re looking to save a few pennies on
your next round, you could cut costs by playing more in the winter.

Many golf courses offer reduced green fees during the winter months to entice players to
keep up with their games when the temperatures drop. It might not be a huge long-term
saving, but if you want to get value for money, consider squeezing in as many games as
possible once the cold sets in, especially if your local course is kind enough to offer
discounts.

Surprisingly good scores

Remember those frozen and slightly damp greens we talked about earlier? They’re not as
bad as they sound. They could be the key to lowering your score if you struggle to sink long putts.

Golfers spend more time on the green than they do on any other part of the course. Too
powerful putts are a notorious reason why so many golfers always drop shots on the green,
with so little left to do.

They strike the ball and, if it’s not perfectly on target, it rolls way past the hole, leaving the
player with another monster putt.

But slightly frosty or damp greens can help with this. The frost or dew can cling to your ball
as it rolls, slowing it down significantly. This means if you tend to give your putts too much
force, you can expect a few yards to be taken off your putt attempt, perhaps landing your ball closer to the hole for an easy knock-in.

Grab all the gear you need for winter golf before you play

Playing golf in winter is very different from playing in summer and you will need to pick up a few things to make sure you can make the most of your game. This includes things like
winter golf clothing – like jumpers and hats – which can help you remain comfortable and
retain heat in a real chill.

Pretty soon, you’ll be enjoying your winter golf games just as much as your summer rounds.

Rose hoping Leipzig can bloom against stuttering Manchester City

RB Leipzig boss Marco Rose is confident his side can beat Manchester City at the Red Bull Arena on Wednesday night but acknowledges they may also “need a bit of luck” against the European champions.

Rose’s men head into the game on the back of a good run of form, having not lost in the Bundesliga in five matches. In contrast, Pep Guardiola’s all-conquering City arrive in Germany in the unusual position of having lost their last two outings – against Newcastle in the EFL Cup and Wolves in the Premier League on Saturday.

City beat Leipzig 7-0 in the Champions League last season but Rose is not expecting a repeat.

He said: “The 7-0 defeat is history for us. We know what to expect on Wednesday. You need a bit of luck, as well as a good performance, to beat teams like City.

“We have faith that we can get a win at home with the fans behind us. 

“We want to bring the energy we need to have into the game and use the opportunity to test ourselves against this opposition.”

The fixture will provide a swift return to Leipzig for defender Josko Gvardiol, who left the club for City in the summer.

“It doesn’t surprise me that Josko, with his skill, his ability to learn and his humility, has had no teething problems at Manchester City. He’s doing very well there,” added Rose.

“We are looking forward to seeing him again because not only is he a great player but also an outstanding person.”

There was mixed news on the injury front for the home side. Benjamin Henrichs has been ruled out, but Kevin Kampl, Timo Werner and Yussuf Poulsen are set to feature.

Work starts at newest luxury Manchester apartment building, Vision

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Manchester city centre‘s latest high-rise apartment building will soon start rising out of the ground as developer Vision Manchester LTD reports major groundwork milestones are underway on the 37-storey building.

The building’s power supply has been installed and is fully operational. The drainage works package has also been completed and signed off by Building Control.

The Vision development, on Whitworth Street in west Manchester, has been designed by JM Architects and works are scheduled to be completed by 2026. The development boasts amenities including a gym, yoga and spin studio, cinema, workspaces, residents’ lounge area and a concierge service.

Domis has been appointed to carry out the construction works, and a four-month period of enabling works is underway to bring the project out of the ground and see Vision begin to take its shape.

The tower is located in the heart of Manchester City Centre, including the important multi-million-pound First Street financial and leisure district which has been recently announced as the new Government Civil Service Headquarters which will bring 10,000 new jobs next to Vision.

Off-plan sales of the 327 one-, two- and three-bed apartments are already underway with Vision being brought to market by Alliance Investments who are acting as the master sales agent. The company has vast experience in Manchester and is confident of a sell out in advance of completion.

Paul Strutt, director at DOMIS, said: “Vision is set to be an impressive residential tower and we are delighted to continue with our success in delivering another flagship development for Manchester in this prominent location.”

Get in touch with Alliance Investments expert team today to request full details about this outstanding development in Manchester +44 (0)161 6750 300.

BOILERPLATE:

As part of Property Alliance Group, the Alliance Investments team has a proven track record of marketing, selling and exchanging off-plan properties within several of the group’s landmark buildings, as well as carefully selected new-build housing projects from other partner developers.

Headquartered in Manchester, Alliance Investments has established a reputation as a key contributor to the growth of the UK’s top property location, a status that has given us the credibility to move into other key cities, all while maintaining the same high levels of quality that have become our trademark – both for people looking to purchase a home and those looking for off-plan investment.

To find out more about our latest UK property opportunities please get in touch with our team:

+44 (0)161 6750 300

info@alliance-investments.com

https://alliance-investments.com/contact

Rethinking Physics and Cosmology: Challenging the Standard Model of the Universe

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Recent developments in the field of cosmology have thrown into question our understanding of the universe’s shape, size, and fundamental workings. A Nature Astronomy paper (Ref.1) has made a bold claim, with a 99% confidence level, that our universe is closed. Another paper (Ref.2) has suggested extremely low odds against an open, flat, and infinite universe. These findings have severely challenged the widely accepted Standard Model of Cosmology (SMC). In fact, there are eight significant shortcomings in the SMC (Ref.3A), which collectively indicate that cosmology is facing a crisis and may require a complete paradigm shift. Major cracks have appeared in the standard model of cosmology.

Currently, the field of physics relies on two foundational theories: General Relativity (GR) and Quantum Mechanics (QM). However, GR and QM are inherently incompatible, leading to a longstanding conflict between these two pillars of physics (Ref.3B). This crisis in physics is openly acknowledged by physicists themselves (Ref.3C).

Subhajit Waugh, a scientist (physicist) at RRCAT, has boldly proposed that the incompatibility between Quantum Mechanics and General Relativity may be due to our incorrect model of the universe (4A). He has put forth a precise description of the shape and size of the universe (Ref.4B), which experts and scientists in the field can examine (Ref.5, 6, 7). Mr. Waugh suggests that adopting an ‘expanding (hyper) balloon’ model of the universe could lead to a unified theory of physics and cosmology, potentially approaching the elusive ‘theory of everything.’

This unconventional viewpoint finds support in Edwin Hubble’s observation that galaxies recede from Earth at speeds proportionate to their distance. This observation aligns with the idea of an expanding balloon as an analogy for the universe. Mr. Waugh contends that this analogy should not have been discarded. He further posits that the ‘wall’ of this balloon universe consists of invisible scalar fields, akin to invisible electric and magnetic fields, and particles that are excitations/resonances within these fields—a concept reminiscent of Quantum Field Theory. As everything, including stars, planets, and humans, is composed of particles, all matter is perpetually confined within the 3D hypersurface of these fields. Mr. Waugh expresses regret that scientists have not recognised that the FLRW metric, the foundation of the SMC, actually paints this picture of the universe. The temporal aspect of both the FLRW metric and Minkowski metric is similar, implying that the 3D hypersurface moves at a velocity of ‘c’ in the fourth dimension. This aspect has been overlooked, with emphasis primarily placed on the scale factor ‘a(t),’ which plays the role of Hubble’s law. To illustrate this situation, Mr. Waugh uses a party balloon analogy: as the balloon expands, two simultaneous events occur—1) a point on the balloon’s wall moves away from its center, analogous to the temporal part of the FLRW metric, and 2) nearby points on the balloon’s surface appear to move farther apart due to the balloon’s expansion, leading to Hubble’s law. [NOTE: Using Waugh’s model, the calculated value of the Hubble constant (71.002 km/s/Mpc) aligns well with accepted values (69.8 and 74 km/s/Mpc obtained through different methods).]

Mr. Waugh contends that one of the most significant mistakes in science is the concept of a four-dimensional ‘SpaceTime continuum’ (Ref.8). Einstein and Minkowski merged the three spatial dimensions with one temporal dimension into a single 4D manifold called SpaceTime. This approach results in a ‘block universe’ view where past, present, and future coexist simultaneously, which contradicts our everyday experiences and numerous scientific observations. An entire book, “The Arrow of Time: The Quest to Solve Science’s Greatest Mystery” by Peter Coveney and Roger Highfield, has been dedicated to highlighting this glaring mistake. Mr. Waugh argues that time is not an illusion, and there is concrete evidence supporting its reality, as evidenced by preserved slices of Einstein’s brain in formalin stored worldwide.

The root of this mistake lies in an incomplete understanding of imaginary numbers (Ref.9), with an imaginary sign concealed in the Minkowski-Einstein SpaceTime equation. This equation, though remarkably successful, does not represent a true 4D SpaceTime continuum. The underlying issue revolves around the omission of a crucial dimension, creating confusion in both physics and cosmology. Mr. Waugh contends that correcting these mathematical assumptions will lead to a significant paradigm shift in science (Ref.10). He has outlined three key steps to challenge prevailing scientific theories and has made testable predictions that could revolutionise science (Ref.11). He firmly believes that all three key steps to overthrow current scientific theories have been met, and a major scientific revolution is imminent. The forthcoming data from the Euclid telescope may confirm the positively curved nature of the universe, indicating it is closed and finite (Ref.12), thereby upending conventional scientific wisdom.

Mr. Waugh’s ‘expanding (hyper) balloon’ model of the universe naturally accommodates both Relativity and Quantum Mechanics, potentially superseding both theories and replacing the Standard Model of Cosmology. [For a clear explanation of the (hyper) balloon model of the universe, please watch this video up to 10:56/16:23.]

In conclusion, the realms of physics and cosmology are undergoing a profound reevaluation, with bold new ideas challenging established theories. Subhajit Waugh’s unconventional model of the universe invites scientists and experts to reconsider the foundations of their disciplines, offering the tantalizing possibility of a unified theory that could reshape our understanding of the cosmos.

References

1) Planck evidence for a closed Universe and a possible crisis for cosmology https://www.nature.com/articles/s41550-019-0906-9

2) Curvature tension: Evidence for a closed universe

3A) A candid assessment of standard cosmology

3B) Relativity versus quantum mechanics: the battle for the universe

3C) World’s largest physics conference in Las Vegas will be grand; but will it be worthwhile?

4A) RRCAT Physicist Proposes New Theory Unifying General Relativity and Quantum Mechanics

4B) We are wrong about the shape and size of our universe: RRCAT Physicist provides a new model of universe.

5) Shape and size of our universe: challenging the Standard Model of Cosmology https://www.researchgate.net/publication/371487379_Shape_and_size_of_our_universe_challenging_the_Standard_Model_of_Cosmology

6) Quantum Mechanics and General Relativity are compatible, and have a common origin: the expanding (hyper) balloon universe

7) Is everything we know about the shape and size of our universe, and how it works, wrong?

8) The biggest mistake in Science: Space and Time do not fuse into SpaceTime continuum.

9) RRCAT Physicist Claims Correct Representation of Imaginary Numbers May Unify General Relativity and Quantum Mechanics

10) Science is standing on shaky mathematical pillars, which guarantees a scientific revolution

11) Scientist Mr. Subhajit Waugh Makes Testable and Falsifiable Predictions that Could Shake up Science to the Core

12) Euclid telescope will revolutionize science, overthrow ruling scientific theories, and usher paradigm shift in science.

A guide to financial chatbots and customer support

In the ever-changing financial industry landscape, customer service plays a crucial role in ensuring client satisfaction and trust. The introduction of artificial intelligence (AI) and chatbot technology has altered how financial institutions interact with their clients.

The use of financial chatbots to provide efficient and personalised customer service is on the rise. This article examines the role of financial chatbots in enhancing customer service in the IT industry and their benefits, challenges, and prognosis for the future.

The rise of financial chatbots

Financial institutions have long recognised the importance of offering exceptional customer support. Traditionally, this has been achieved through call centres, email correspondence, and in-person interactions.

However, with the rapid advancement of technology, customers’ expectations have shifted towards instant, convenient, and 24/7 support. More and more banks tend to integrate customized chat app development into their routine and try to enhance their customer service with advanced accessibility and instant responses. 

Benefits of financial chatbots in customer support

Financial chatbots offer a wide range of benefits to both financial institutions and their customers:

1. Immediate assistance

Such bots are available round the clock, providing clients with instant responses to their queries and concerns. This eliminates the need for customers to wait on hold or for business hours to get assistance.

2. Cost-efficiency

Chatbots significantly reduce the operational costs associated with customer support. They can handle a large volume of inquiries simultaneously, reducing the need for a large customer support team.

3. Personalisation

Advanced chatbots are capable of analysing customer data to provide personalized recommendations and responses. This enhances the overall customer experience (CX) and fosters loyalty.

4. Enhanced security

Simply put, they can be programmed with robust security protocols, ensuring the safety of sensitive financial information during interactions.

5. Scalability

Financial institutions can easily scale their bot services to accommodate an increasing number of customers without the need for substantial infrastructure changes.

Challenges in implementing financial chatbots

Although it has a number of potential benefits, putting such bots into practice has its own unique set of challenges:

1. Customer trust

Building consumer trust is critical in the finance sector. Some clients may be afraid to connect with AI because they are concerned about security breaches or misunderstandings.

2. Complex inquiries

Unfortunately, bots cannot handle all consumer inquiries, particularly those requiring complicated analysis or legal expertise. It is critical to ensure a smooth transition to human agents when necessary.

3. Data privacy

Banking institutions are required to follow strict data privacy standards. To prevent legal ramifications, it is critical to manage consumer data properly.

4. Maintenance and updates

Chatbots require continuous maintenance and updates to stay relevant and effective. Failure to do so can result in outdated information and inadequate responses.

5. Integration

Integrating AI into existing IT systems can be challenging and may require substantial resources and technical expertise.

The future of financial chatbots

Such chatbots have an exciting future ahead of them in the field of customer service. As the field of artificial intelligence (AI) and machine learning develops, bots will grow more complex, able to respond to a wider variety of questions and provide more accurate, individualized responses to users.

1. Multilingual support

Financial institutions operating in global markets will benefit from chatbots that can communicate in multiple languages, breaking down language barriers.

2. Voice recognition

Voice-activated chatbots will become more prevalent, allowing clients to interact using natural language, and enhancing the user experience.

3. Predictive analytics

Chatbots will use predictive analytics to anticipate client’s needs and offer proactive assistance, such as suggesting investment strategies or detecting fraudulent activities.

4. Seamless integration

Future chatbots will seamlessly integrate with other IT systems, such as CRM software and data analytics tools, to provide a holistic view of customer interactions and behaviors.

5. Regulatory compliance

Constant updates to banking regulations will promote the development of more sophisticated bots. They will have the resources to answer even the most intricate questions about compliance and provide the latest developments in regulatory requirements as they happen. Financial institutions will further solidify their position as technological leaders in the IT industry as they adopt these innovations.

Case studies: Successful implementation of financial chatbots

Wonder if there are any real-world examples from any fintech development agency? Consider the following remarkable examples of fintech companies that have successfully included chatbots in their customer care strategies:

1. Bank of America’s Erica:

  • Introduction: Erica is Bank of America’s AI-powered virtual assistant, designed to assist customers with their banking needs.
  • Benefits: Erica provides personalized financial insights, helps customers make payments, and even offers savings tips.
  • Impact: Since its launch, Erica has gained millions of users and has significantly improved customer engagement and satisfaction.

2. Capital One’s Eno:

  • Introduction: Eno is Capital One’s chatbot that assists customers with their credit card accounts.
  • Benefits: Eno helps users monitor their account activity, pay bills, and even detect and resolve potential fraud.
  • Impact: Eno has reduced the number of fraudulent transactions and has been praised for its user-friendly interface.

3. Wells Fargo’s Virtual Assistant:

  • Introduction: Wells Fargo’s virtual assistant offers support for a wide range of banking inquiries.
  • Benefits: It provides immediate answers to customer questions, processes transactions, and offers account information.
  • Impact: Wells Fargo has reported increased customer satisfaction and a significant decrease in customer wait times.

Conclusion

The emergence of financial chatbots as a game-changer in the IT sector has transformed the way banking institutions offer customer service. The financial sector can greatly benefit from their instantaneous help, lower costs, individualized encounters, increased security, and scalable operations.

However, adopting such bots is not without its hurdles, such as gaining and keeping customers’ trust, answering complex questions, protecting users’ privacy, and blending them in with existing infrastructure.

Improvements in areas like as linguistic flexibility, speech recognition, predictive analytics, integration, and regulatory compliance bode well for the future of financial chatbots. Financial institutions that are at the forefront of adopting new technologies will surely be the best at providing outstanding customer service.

In conclusion, financial chatbots are more than just the latest fad; they represent a sea change in the way banks communicate with their clients. The financial sector is well-positioned to reap the benefits of artificial intelligence (AI) and chatbot technology by providing faster, more individualised, and more efficient customer care to its valued clientele.

FAQs

1. Are financial chatbots safe to use for sensitive transactions?

Yes, financial chatbots are designed with robust security protocols to ensure the safety of sensitive data. They adhere to strict data privacy regulations and are continuously updated to address security concerns.

2. Can financial chatbots handle complex financial inquiries?

While financial chatbots excel at handling routine inquiries, complex questions may require human intervention. Many banking institutions have systems in place to seamlessly transfer customers to human agents when necessary.

3. Do financial chatbots provide real-time updates on regulatory changes?

Some advanced financial chatbots are equipped with the ability to provide real-time updates on regulatory changes. They can monitor and interpret changes in regulations and inform customers accordingly.

4. Are financial chatbots available 24/7?

Yes, one of the significant advantages of such chatbots is their availability around the clock. Customers can access assistance and information at any time, even outside of regular business hours.

5. How can I trust that a financial chatbot will handle my queries accurately?

Financial bots are programmed with sophisticated algorithms and machine learning capabilities to provide accurate responses. However, customer trust is built over time, and institutions often encourage feedback and continuous improvement to ensure chatbots meet CX rules.

Key features of building a business app in 2023

Business websites and apps go hand in hand, helping you and your customers secure a great relationship.

But there’s still a lot of confusion about what a well-designed app should do and feature. Taking some wrong turns when making an app can put customers off your site for good, whereas choosing the right steps can build a connection that lasts for years.

Consistency is key

The idea of building a new app can be exciting if you’ve been holding thoughts about updating a long-standing website design. While it is good practice to want to expand an app to bring older systems up to new standards, this does involve risks.

If your app is too different from your website, customers can become confused and even frustrated, which can drive them away. Instead, it’s best to aim for consistency, even if this means modifying your website to bring it up to par with your app.

For an example of this concept done well, consider the bingo apps available on services like Buzz Bingo. Whether looking at the website or app for this service, the layout of the games like live bingo and the Blue Wizard slot remains consistent, as do the graphics and features from the website. Anybody trying out the app will instantly understand where everything is and what it does, making for a much more welcoming experience. 

Remember flexibility

After the introduction of the iPhone in 2007, smartphones all began to chase the slate-style standard. This form factor was considered the status quo, but today it’s not the style in town. Modern phones also must factor in flip and folding devices, and refusing to acknowledge these options can cause problems.

Folding systems like the Galaxy Fold series offer visual space that essentially doubles that available from slate-style devices. This means apps have more space to work with, but just as importantly, it changes the phone’s aspect ratio. In action, this means that apps designed only for slate-style devices won’t appear correctly on an opened folding system.

Webpages overcame this challenge with the use of HTML5, a system of code that could be easily customised to change and scale a webpage based on the screen space available. This is the same approach required when coding a standalone app, to ensure apps run in reliable and predictable ways.

At the same time, flexible viewing areas also need to maintain the general design aesthetics of your business’s website. Just like scaling to a different-sized browser window on a computer, an app needs to serve even unusual fringe resolutions and ratios when possible, to ensure no customer misses out.

App development is an ongoing progress where nothing is ever truly done. It’s a constant battle to involve the latest relevant technology while ignoring extraneous elements which overcomplicate and alienate.

Ultimately, app development is a learning process, one where mistakes can become a useful way to adapt and learn. Remember the cornerstones of consistency and flexibility, and you’ll be a in better position to minimise future issues and make something customers keep coming back to.