AI For Business Owners Course

AI For Business Owners Course — independent reviews, comparisons, pricing and step-by-step guides on Aizhi.

Landmark point

In morphometrics, landmark point or shortly landmark is a point in a shape object in which correspondences between and within the populations of the object are preserved. In other disciplines, landmarks may be known as vertices, anchor points, control points, sites, profile points, 'sampling' points, nodes, markers, fiducial markers, etc. Landmarks can be defined either manually by experts or automatically by a computer program. There are three basic types of landmarks: anatomical landmarks, mathematical landmarks or pseudo-landmarks. An anatomical landmark is a biologically-meaningful point in an organism. Usually experts define anatomical points to ensure their correspondences within the same species. Examples of anatomical landmark in shape of a skull are the eye corner, tip of the nose, jaw, etc. Anatomical landmarks determine homologous parts of an organism, which share a common ancestry. Mathematical landmarks are points in a shape that are located according to some mathematical or geometrical property, for instance, a high curvature point or an extreme point. A computer program usually determines mathematical landmarks used for an automatic pattern recognition. Pseudo-landmarks are constructed points located between anatomical or mathematical landmarks. A typical example is an equally spaced set of points between two anatomical landmarks to get more sample points from a shape. Pseudo-landmarks are useful during shape matching, when the matching process requires a large number of points.
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Conjugate coding

Conjugate coding is a cryptographic tool, introduced by Stephen Wiesner in the late 1960s. It is part of the two applications Wiesner described for quantum coding, along with a method for creating fraud-proof banking notes. The application that the concept was based on was a method of transmitting multiple messages in such a way that reading one destroys the others. This is called quantum multiplexing and it uses photons polarized in conjugate bases as "qubits" to pass information. Conjugate coding also is a simple extension of a random number generator. At the behest of Charles Bennett, Wiesner published the manuscript explaining the basic idea of conjugate coding with a number of examples but it was not embraced because it was significantly ahead of its time. Because its publication has been rejected, it was developed to the world of public-key cryptography in the 1980s as oblivious transfer, first by Michael Rabin and then by Shimon Even. It is used in the field of quantum computing. The initial concept of quantum cryptography developed by Bennett and Gilles Brassard was also based on this concept.
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Social bot

A social bot, refers to fully or partially automated social media accounts designed to perform most regular users’ actions, such as liking, posting content, and chatting with other users. Although their levels of autonomy vary, and often include a human-in-the-loop, social bots can use artificial intelligence to perform social media actions and can use large language models to mimic human dialogue. Social bots can operate alone or in groups that coordinate messaging as part of a network of coordinated inauthentic behavior. Social bots are often used to perform ad fraud by artificially boosting viewership and engagement metrics and to spread disinformation on social media. == Uses == Social bots are used for a large number of purposes on a variety of social media platforms, including Twitter, Instagram, Facebook, and YouTube. One common use of social bots is to inflate a social media user's apparent popularity, usually by artificially manipulating their engagement metrics with large volumes of fake likes, reposts, or replies. Social bots can similarly be used to artificially inflate a user's follower count with fake followers, creating a false perception of a larger and more influential online following than is the case. The use of social bots to create the impression of a large social media influence allows individuals, brands, and organizations to attract a higher number of human followers and boost their online presence. Fake engagement can be bought and sold in the black market of social media engagement. Corporations typically use automated customer service agents on social media to affordably manage high levels of support requests. Social bots are used to send automated responses to users’ questions, sometimes prompting the user to private message the support account with additional information. The increased use of automated support bots and virtual assistants has led to some companies laying off customer-service staff. Social bots are also often used to influence public opinion. Autonomous bot accounts can flood social media with large numbers of posts expressing support for certain products, companies, or political campaigns, creating the impression of organic grassroots support. This can create a false perception of the number of people who support a certain position, which may also have effects on the direction of stock prices or on elections. Messages with similar content can also influence fads or trends. Many social bots are also used to amplify phishing attacks. These malicious bots are used to trick a social media user into giving up their passwords or other personal data. This is usually accomplished by posting links claiming to direct users to news articles that would in actuality direct to malicious websites containing malware. Scammers often use URL shortening services such as TinyURL and bit.ly to disguise a link's domain address, increasing the likelihood of a user clicking the malicious link. The presence of fake social media followers and high levels of engagement help convince the victim that the scammer is in fact a trusted user. Social bots can be a tool for computational propaganda. Bots can also be used for algorithmic curation, algorithmic radicalization, and/or influence-for-hire, a term that refers to the selling of an account on social media platforms. == History == Bots have coexisted with computer technology since the earliest days of computing. Social bots have their roots in the 1950s with Alan Turing, whose work focused on machine intelligence with the development of the Turing Test. The following decades saw further progress made towards the goal of creating programs capable of mimicking human behavior, notably with Joseph Weizenbaum’s creation of ELIZA. Considered to be one of the first Chatbots, ELIZA could simulate natural conversations with human users through pattern matching. Its most famous script was DOCTOR, a simulation of a Rogerian psychotherapist that was programmed to chat with patients and respond to questions. With the growth of social media platforms in the early 2000s, these bots could be used to interact with much larger user groups in an inconspicuous manner. Early instances of autonomous agents on social media could be found on sites like MySpace, with social bots being used by marketing firms to inflate activity on a user’s page in an effort to make them appear more popular. Social bots have been observed on a large variety of social media websites, with Twitter being one of the most widely observed examples. The creation of Twitter bots is generally against the site’s terms of service when used to post spam or to automatically like and follow other users, but some degree of automation using Twitter’s API may be permitted if used for “entertainment, informational, or novelty purposes.” Other platforms such as Reddit and Discord also allow for the use of social bots as long as they are not used to violate policies regarding harmful content and abusive behavior. Social media platforms have developed their own automated tools to filter out messages that come from bots, although they cannot detect all bot messages. == Legal regulation == Due to the difficulty of recognizing social bots and separating them from "eligible" automation via social media APIs, it is unclear how legal regulation can be enforced. Social bots are expected to play a role in shaping public opinion by autonomously acting as influencers. Some social bots have been used to rapidly spread misinformation, manipulate stock markets, influence opinion on companies and brands, promote political campaigns, and engage in malicious phishing campaigns. In the United States, some states have started to implement legislation in an attempt to regulate the use of social bots. In 2019, California passed the Bolstering Online Transparency Act (the B.O.T. Act) to make it unlawful to use automated software to appear indistinguishable from humans for the purpose of influencing a social media user's purchasing and voting decisions. Other states such as Utah and Colorado have passed similar bills to restrict the use of social bots. The Artificial Intelligence Act (AI Act) in the European Union is the first comprehensive law governing the use of Artificial Intelligence. The law requires transparency in AI to prevent users from being tricked into believing they are communicating with another human. AI-generated content on social media must be clearly marked as such, preventing social bots from using AI in a manner that mimics human behavior. == Detection == The first generation of bots could sometimes be distinguished from real users by their often superhuman capacities to post messages. Later developments have succeeded in imprinting more "human" activity and behavioral patterns in the agent. With enough bots, it might be even possible to achieve artificial social proof. To unambiguously detect social bots as what they are, a variety of criteria must be applied together using pattern detection techniques, some of which are: cartoon figures as user pictures sometimes also random real user pictures are captured (identity fraud) reposting rate temporal patterns sentiment expression followers-to-friends ratio length of user names variability in (re)posted messages engagement rate (like/followers rate) analysis of the time series of social media posts Social bots are always becoming increasingly difficult to detect and understand. The bots' human-like behavior, ever-changing behavior of the bots, and the sheer volume of bots covering every platform may have been a factor in the challenges of removing them. Social media sites, like Twitter, are among the most affected, with CNBC reporting up to 48 million of the 319 million users (roughly 15%) were bots in 2017. Botometer (formerly BotOrNot) is a public Web service that checks the activity of a Twitter account and gives it a score based on how likely the account is to be a bot. The system leverages over a thousand features. An active method for detecting early spam bots was to set up honeypot accounts that post nonsensical content, which may get reposted (retweeted) by the bots. However, bots evolve quickly, and detection methods have to be updated constantly, because otherwise they may get useless after a few years. One method is the use of Benford's Law for predicting the frequency distribution of significant leading digits to detect malicious bots online. This study was first introduced at the University of Pretoria in 2020. Another method is artificial-intelligence-driven detection. Some of the sub-categories of this type of detection would be active learning loop flow, feature engineering, unsupervised learning, supervised learning, and correlation discovery. Some operations of bots work together in a synchronized way. For example, ISIS used Twitter to amplify its Islamic content by numerous orchestrated accounts which further pushed an item to the Hot List news, thus further a
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Data security

Data security or data protection is the process of securing digital information to protect it from online threats. Data security or protection means protecting digital data, such as those in a database, from destructive forces and from the unwanted actions of unauthorized users, such as a cyberattack or a data breach. Data security protects computer hardware, software, storage devices, and the data of user devices. Data security also protects the data of organizations, companies and administrative controls. Data security guarantees the protection of individual data, such as identity documents and bank data, and protects against unauthorized access, theft and loss of individual data. Data security also protects data breaches that occurs in companies and industries. Good security measures in industries reduce the probability of data breaches, and employees can rely on the company with their data and private information to be kept secured while companies can continue to maintain a stable reputation. The CIA Triad (Confidentiality, Integrity, and Availability) is what is used to practice what an information security is required to follow. Confidentiality, protects information from being accessed by unauthorized persons. Integrity, makes sure data is trustworthy; and Availability, meaning that data can be accessed by approved users when it is needed; are three goals for data security. Non-repudiation in data security definition, is a device/service that shows where the data originated from and the proof of integrity. == Technologies == === Disk encryption === Disk encryption refers to encryption technology that encrypts data on a hard disk drive. It takes data from a storage device and coverts it into an unreadable format. Disk encryption typically takes form in either software (see disk encryption software) or hardware (see disk encryption hardware) which can be used together. Disk encryption is often referred to as on-the-fly encryption (OTFE) or transparent encryption. Full disk encryption encrypts each individual sector of a disk volume. Files and user data are encrypted to hinder unauthorized users from accessing without a decryption key. A diversifier permits a plaintext of a specific disk sector to be encrypted into different ciphertexts, which does not require additional storage, such as an initialization vector (IV) or message authentication code (MAC). === Software versus hardware-based mechanisms for protecting data === Software-based security solutions encrypt the data to protect it from theft. However, a malicious program or a hacker could corrupt the data to make it unrecoverable, making the system unusable. Hardware-based security solutions prevent read and write access to data, which provides very strong protection against tampering and unauthorized access. Hardware-based security or assisted computer security offers an alternative to software-only computer security. Security tokens such as those using PKCS#11 or a mobile phone may be more secure due to the physical access required in order to be compromised. Access is enabled only when the token is connected and the correct PIN is entered (see two-factor authentication). However, dongles can be used by anyone who can gain physical access to it. Newer technologies in hardware-based security solve this problem by offering full proof of security for data. Working off hardware-based security: A hardware device allows a user to log in, log out and set different levels through manual actions. Many devices use biometric technology to prevent malicious users from logging in, logging out, and changing privilege levels. The current state of a user of the device is read by controllers in peripheral devices such as hard disks. Illegal access by a malicious user or a malicious program is interrupted based on the current state of a user by hard disk and DVD controllers making illegal access to data impossible. Hardware-based access control is more secure than the protection provided by the operating systems as operating systems are vulnerable to malicious attacks by viruses and hackers. The data on hard disks can be corrupted after malicious access is obtained. With hardware-based protection, the software cannot manipulate the user privilege levels. A hacker or a malicious program cannot gain access to secure data protected by hardware or perform unauthorized privileged operations. This assumption is broken only if the hardware itself is malicious or contains a backdoor. The hardware protects the operating system image and file system privileges from being tampered with. Therefore, a completely secure system can be created using a combination of hardware-based security and secure system administration policies. === Backups === Backup is the process of reproducing copies of essential data and storing in a separate, secured place. It is used to ensure data that is lost can be recovered from another source. Backups contains a minimum of one copy of the data that requires preservation. It is considered essential to keep a backup of any data in most industries and the process is recommended for any files of importance to a user. There are 3 types of backups; full backups, incremental backups, and differential backups. Full backups secure all data from a production system, such as a server, database, or other connected data source. It is impossible to lose all data in a full backup if a breach or corruption were to occur. Full backups require a significantly large amount of time to back up and may be time-consuming taking hours to days to complete. Incremental backups only secures changed data since last backup. While all backups are done in full backups, incremental backups only save data that is recently or frequently changed. Incremental backups require lower storage costs making it a prominent solution for growing datasets. === Data Privacy === Data privacy (or information privacy) is the right for individual's data to be secured to obstruct the use of unauthorized access. It gives individuals control over their data and how it can be shared to third parties. The U.S Privacy Protection Law (see Privacy laws of the United States) requires organizations to inform individuals of how their data is collected and when a data breach occurs. By implementing an encryption, it ensures that private data is unreadable to cybercriminals. === Data masking === Data masking of structured data is the process of obscuring (masking) specific data within a database table or cell to ensure that data security is maintained and sensitive information is not exposed to unauthorized personnel. This may include masking the data from users (for example so banking customer representatives can only see the last four digits of a customer's national identity number), developers (who need real production data to test new software releases but should not be able to see sensitive financial data), outsourcing vendors, etc. Data masking is a form of encryption, as it obscures data by modifying particular letters and numbers to keep data concealed and protected from potential hackers. The individual that has access to the code that decrypts the replaced characters are the only ones that can uncover the data. === Data erasure === Data erasure (or data deletion, data destruction) is a method of software-based overwriting that permanently clears all electronic data residing on a hard drive or other digital media to ensure that no sensitive data is lost when an asset is retired or reused. Article 17: Right to be Forgotten states that users have the right to permanently remove all of their private information from their old devices/services to give people more control over their data. Users are able to switch between devices efficiently. == Threats == === Malware === Malware (or malicious software) is designed to destroy, corrupt or gain unauthorized access to a computer for the purpose of stealing, or destroying data. Hackers who use malware typically utilize many types of malware, which includes computer virus, computer worms, ransomware, spyware and Trojan horse to create a vast system of disruption and cause easy data theft. One of the victims of the vast system of disruption includes healthcare workers, who are targeted by compromised systems by infections and then having their data attacked. === Phishing === Phishing is a type of scam that allows hackers to hoax people using psychological and social engineering (using human emotions such as their trust and fear) tactics into giving personal data through emails and messages, and install computer viruses if the individual were to click on a malicious link unknowingly. Attackers are able to create websites that are very similar to original websites, which makes it difficult to detect a fake website, causing individuals to fall for giving in information. Phishing attackers use human emotion to exploit them, such as making them feel fear, urgency, sympathy with the message
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SGT STAR

SGT STAR, also known as Sgt. Star or Sergeant Star, was a chatbot operated by the United States Army to answer questions about recruitment. == Background == After the September 11 attacks, traffic increased significantly to chatrooms on the U.S. Army's website, goarmy.com, increasing costs of staffing the live chatrooms. As a cost-cutting measure, the SGT STAR project was initiated as a partnership between the United States Army Accessions Command and Spectre AI, a wholly owned subsidiary of Next IT. Next IT, a Spokane, Washington-based company deploys "intelligent virtual assistants," using its software dubbed "ActiveAgent" which is a framework for functional presence engines. Testing began in 2003, and SGT STAR launched to the public in 2006. "STAR" is an acronym for "strong, trained and ready." SGT STAR was launched as a chat interface on goarmy.com, but has since been developed as a mobile application, as well as a life-size animated projection that has appeared live at public events. SGT STAR can also interact with users on Facebook. == FOIA request == In 2013, the Electronic Frontier Foundation filed a Freedom of Information Act request to learn more about SGT STAR, including input and output patterns (questions and answers), usage statistics, contracts, and privacy policies. They received these records in April 2014, after coverage from various media outlets and a tongue-in-cheek campaign to "Free Sgt. Star."
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Open Data-Link Interface

The Open Data-Link Interface (ODI) is an application programming interface (API) for network interface controllers (NICs) developed by Apple and Novell. The API serves the same function as Microsoft and 3COM's Network Driver Interface Specification (NDIS). Originally, ODI was written for NetWare and Macintosh environments. Like NDIS, ODI provides rules that establish a vendor-neutral interface between the protocol stack and the adapter driver. It resides in Layer 2, the Data Link layer, of the OSI model. This interface also enables one or more network drivers to support one or more protocol stacks.
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Coreu

COREU (French: Correspondance Européenne – Telex network of European correspondents, also EUKOR-Netzwerk in Austria) is a communication network of the European Union for the communication of the Council of the European Union, the European correspondents of the foreign ministries of the EU member states, permanent representatives of member states in Brussels, the European Commission, and the General Secretariat of the Council of the European Union. The European Parliament is not among the participants. COREU is the European equivalent of the American Secret Internet Protocol Router Network (SIPRNet, also known as Intelink-S). COREU's official aim is fast communication in case of crisis. The network enables a closer cooperation in matters regarding foreign affairs. In actuality the system's function exceeds that of mere communication, it also enables decision-making. COREU's first goal is to enable the exchange of information before and after decisions. Relaying upfront negotiations in preparation of meetings is the second goal. In addition, the system also allows the editing of documents and the decision-making, especially if there is little time. While the first two goals are preparatory measures for a shared foreign policy, the third is a methodical variant marked by practise that is defining for the image of the Common Foreign and Security Policy. == Members == (The following information dates from 2013): There is one representative in each of the capital cities in the EU.(since 1973) In Germany for example, this is the European correspondent (EU-KOR) from the Foreign Office. In Austria it is the European correspondent from the Referat II.1.a in the Federal Ministry for Europe, Integration and Foreign Affairs They are the correspondents (since 1982) for the European Commission They comprise the secretariat for the European Council They also make up the European External Action Service (EEAS) (responsible for foreign policy issues, since 1987) == Data volume and technical details == COREU functions as a spoke-hub distribution paradigm system with the hub in Brussels. The network is operated by the European Union Intelligence and Situation Centre (formerly Joint Situation Center, JSC). The technical infrastructure is located in a building of the European Council. COREU may be described as an advanced telex system with encrypted messages via dedicated terminals. Once a message has reached the destination, it is then redistributed via the local media. In contrast, messages of governments are transmitted via local media to the correspondents and from there delivered point-to-point to Brussels via COREU. In 2010, approximately 8500 communications had been distributed over this network. == History == A telex-based communication system under the name COREU was established in 1973. Originally, only the ministries of Foreign Affairs in the European capitals were connected to it. This telex system was replaced in 1997 by the mail system CORTESY (COREU Terminal Equipment System). The name was retained despite the technical innovation. COREU was reportedly compromised by hackers working for the People's Liberation Army Strategic Support Force, allowing for the theft of thousands of low-classified documents and diplomatic cables.
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Instant messaging

Instant messaging (IM) technology is a type of synchronous computer-mediated communication involving the immediate (real-time) transmission of messages between two or more parties over the Internet or another computer network. Originally involving simple text message exchanges, modern instant messaging applications and services (also variously known as instant messenger, messaging app, chat app, chat client, or simply a messenger) tend to also feature the exchange of multimedia, emojis, file transfer, VoIP (voice calling), and video chat capabilities. Instant messaging systems facilitate connections between specified known users (often using a contact list also known as a "buddy list" or "friend list") or in chat rooms, and can be standalone apps or integrated into a wider social media platform, or in a website where it can, for instance, be used for conversational commerce. Originally the term "instant messaging" was distinguished from "text messaging" by being run on a computer network instead of a cellular/mobile network, being able to write longer messages, real-time communication, presence ("status"), and being free (only cost of access instead of per SMS message sent). Instant messaging was pioneered in the early Internet era; the IRC protocol was the earliest to achieve wide adoption. Later in the 1990s, ICQ was among the first closed and commercialized instant messengers, and several rival services appeared afterwards as it became a popular use of the Internet. Beginning with its first introduction in 2005, BlackBerry Messenger became the first popular example of mobile-based IM, combining features of traditional IM and mobile SMS. Instant messaging remains very popular today; IM apps are the most widely used smartphone apps: in 2018 for instance there were 980 million monthly active users of WeChat and 1.3 billion monthly users of WhatsApp, the largest IM network. == Overview == Instant messaging (IM), sometimes also called "messaging" or "texting", consists of computer-based human communication between two users (private messaging) or more (chat room or "group") in real-time, allowing immediate receipt of acknowledgment or reply. This is in direct contrast to email, where conversations are not in real-time, and the perceived quasi-synchrony of the communications by the users (although many systems allow users to send offline messages that the other user receives when logging in). Earlier IM networks were limited to text-based communication, not dissimilar to mobile text messaging. As technology has moved forward, IM has expanded to include voice calling using a microphone, videotelephony using webcams, file transfer, location sharing, image and video transfer, voice notes, and other features. IM is conducted over the Internet or other types of networks (see also LAN messenger). Depending on the IM protocol, the technical architecture can be peer-to-peer (direct point-to-point transmission) or client–server (when all clients have to first connect to the central server). Primary IM services are controlled by their corresponding companies and usually follow the client-server model. At one point, the term "Instant Messenger" was a service mark of AOL Time Warner and could not be used in software not affiliated with AOL in the United States. For this reason, in April 2007, the instant messaging client formerly named Gaim (or gaim) announced that they would be renamed "Pidgin". === Clients === Modern IM services generally provide their own client, either a separately installed application or a browser-based client. They are normally centralised networks run by the servers of the platform's operators, unlike peer-to-peer protocols like XMPP. These usually only work within the same IM network, although some allow limited function with other services (see #Interoperability). Third-party client software applications exist that will connect with most of the major IM services. There is the class of instant messengers that uses the serverless model, which doesn't require servers, and the IM network consists only of clients. There are several serverless messengers: RetroShare, Tox, Bitmessage, Ricochet. See also: LAN messenger. Some examples of popular IM services today include Signal, Telegram, WhatsApp Messenger, WeChat, QQ Messenger, Viber, Line, and Snapchat. The popularity of certain apps greatly differ between different countries. Certain apps have an emphasis on certain uses - for example, Skype focuses on video calling, Slack focuses on messaging and file sharing for work teams, and Snapchat focuses on image messages. Some social networking services offer messaging services as a component of their overall platform, such as Facebook's Facebook Messenger, who also own WhatsApp. Others have a direct IM function as an additional adjunct component of their social networking platforms, like Instagram, Reddit, Tumblr, TikTok, Clubhouse and Twitter; this also includes for example dating websites, such as OkCupid or Plenty of Fish, and online gaming chat platforms. === Features === ==== Private and group messaging ==== Private chat allows users to converse privately with another person or a group. Privacy can also be enhanced in several ways, such as end-to-end encryption by default. Public and group chat features allow users to communicate with multiple people simultaneously. ==== Calling ==== Many major IM services and applications offer a call feature for user-to-user voice calls, conference calls, and voice messages. The call functionality is useful for professionals who utilize the application for work purposes and as a hands-free method. Videotelephony using a webcam is also possible by some. ==== Games and entertainment ==== Some IM applications include in-app games for entertainment. Yahoo! Messenger, for example, introduced these where users could play a game and viewed by friends in real-time. MSN Messenger featured a number of playable games within the interface. Facebook's Messenger has had a built-in option to play games with people in a chat, including games like Tetris and Blackjack. Discord features multiple games built inside the "activities" tab in voice channels. ==== Payments ==== A relatively new feature to instant messaging, peer-to-peer payments are available for financial tasks on top of communication. The lack of a service fee also makes these advantageous to financial applications. IM services such as Facebook Messenger and the WeChat 'super-app' for example offer a payment feature. == History == === Early systems === Though the term dates from the 1990s, instant messaging predates the Internet, first appearing on multi-user operating systems like Compatible Time-Sharing System (CTSS) and Multiplexed Information and Computing Service (Multics) in the mid-1960s. Initially, some of these systems were used as notification systems for services like printing, but quickly were used to facilitate communication with other users logged into the same machine. CTSS facilitated communication via text message for up to 30 people. Parallel to instant messaging were early online chat facilities, the earliest of which was Talkomatic (1973) on the PLATO system, which allowed 5 people to chat simultaneously on a 512 x 512 plasma display (5 lines of text + 1 status line per person). During the bulletin board system (BBS) phenomenon that peaked during the 1980s, some systems incorporated chat features which were similar to instant messaging; Freelancin' Roundtable was one prime example. The first such general-availability commercial online chat service (as opposed to PLATO, which was educational) was the CompuServe CB Simulator in 1980, created by CompuServe executive Alexander "Sandy" Trevor in Columbus, Ohio. As networks developed, the protocols spread with the networks. Some of these used a peer-to-peer protocol (e.g. talk, ntalk and ytalk), while others required peers to connect to a server (see talker and IRC). The Zephyr Notification Service (still in use at some institutions) was invented at MIT's Project Athena in the 1980s to allow service providers to locate and send messages to users. Early instant messaging programs were primarily real-time text, where characters appeared as they were typed. This includes the Unix "talk" command line program, which was popular in the 1980s and early 1990s. Some BBS chat programs (i.e. Celerity BBS) also used a similar interface. Modern implementations of real-time text also exist in instant messengers, such as AOL's Real-Time IM as an optional feature. In the latter half of the 1980s and into the early 1990s, the Quantum Link online service for Commodore 64 computers offered user-to-user messages between concurrently connected customers, which they called "On-Line Messages" (or OLM for short), and later "FlashMail." Quantum Link later became America Online and made AOL Instant Messenger (AIM, discussed later). While the Quantum Link client software ran on a Commodore 64, using only
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Key–value database

A key-value database, or key-value store, is a data storage paradigm designed for storing, retrieving, and managing associative arrays, a data structure more commonly known today as a dictionary. Dictionaries contain a collection of objects, or records, which in turn have many different fields within them. These records are stored and retrieved using a key that uniquely identifies the record, and is used to find the data within the database. Key-value databases differ from the better known relational databases (RDB). RDBs pre-define the data structure in the database as a series of tables containing fields with well-defined data types. Exposing the data types to the database program allows it to apply various optimizations. In contrast, key-value systems treat the value as opaque to the database itself, and typically support only simple operations such as storing, retrieving, updating, and deleting a value by its key. This offers considerable flexibility and makes such systems well suited to low-latency, high-throughput workloads dominated by direct key lookups, but less suitable for applications that require complex queries or explicit relationships among records. A lack of standardization, limited transaction support, and relatively simple query interfaces long restricted many key-value systems to specialized uses, but the rapid move to cloud computing after 2010 helped drive renewed interest in them as part of the broader NoSQL movement. Some graph databases, such as ArangoDB, are also key–value databases internally, adding the concept of relationships (pointers) between records as a first-class data type. == Types and examples == Key–value systems span a wide consistency spectrum, from eventually consistent designs to strongly consistent or serializable ones, and some allow the consistency level to be configured as part of the trade-off against latency and availability. Renewed interest in key–value and other NoSQL systems was driven in part by the demands of big data, distributed, and cloud applications. Their scalability and availability made them attractive for cloud data management, although limited transaction support, low-level query interfaces, and the lack of standardization remained obstacles to wider adoption. Some maintain data in memory (RAM), while others employ solid-state drives or rotating disks. Some key–value systems add additional structure to their keys. For example, Oracle NoSQL Database organizes records using composite keys with "major" and "minor" components, an arrangement that Oracle compares to a directory-path structure in a file system. More generally, however, key–value stores are defined by their use of unique keys associated with opaque values and by their emphasis on simple key-based operations. Unix included dbm (database manager), a minimal database library written by Ken Thompson for managing associative arrays with a single key and hash-based access. Later implementations and related libraries included sdbm, GNU dbm (gdbm), and Berkeley DB. A more recent example is RocksDB, a persistent key–value storage engine developed at Facebook and designed for large-scale applications. Other examples include in-memory systems such as Memcached and Redis, and persistent systems such as Berkeley DB, Riak, and Voldemort.
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Social media stock bubble

The social media bubble is a hypothesis stating that there was a speculative boom and bust phenomenon in the field of social media in the 2010s, particularly in the United States. The Wall Street Journal defined a bubble as stocks "priced above a level that can be justified by economic fundamentals," but this bubble includes social media. Social networking services (SNS) have seen huge growth since 2006, but some investors believed around 2014-2015, that the "bubble" was similar to the dot-com bubble of the late 1990s and early 2000s. In 2015, Mark Cuban, owner of the Dallas Mavericks NBA team and star of the TV show, Shark Tank, sounded an alarm on his personal blog over the social media bubble, calling it worse than the tech bubble in 2000 due to the lack of liquidity in social media stocks. A year prior, however, Cuban told CNBC that he did not believe social media stocks were on the verge of a bubble. In a letter to investors in 2014, David Einhorn, who runs the hedge-fund Greenlight Capital, wrote that "we are witnessing our second tech bubble in 15 years." He went on to write, "What is uncertain is how much further the bubble can expand, and what might pop it." Einhorn cited several factors supporting the existence an over-exuberance including "rejection of conventional valuation methods" and "huge first day IPO pops for companies that have done little more than use the right buzzwords and attract the right venture capital." Since those claims, services like Facebook, Twitter, Instagram, and Snapchat have grown to become multi-billion-dollar corporations generating enormous revenues, though some continue to lose money. == History of social networking services == Social networking services have grown and evolved with time since the launch of SixDegrees.com in 1997. Cutting edge at its time, SixDegrees.com allowed users to create a profile, invite friends, and connect within its platform. At its peak, SixDegrees.com had more than 3.5 million users. Between 1997 and 2001 more social sites aimed at allowing users to connect with others for personal, professional, or dating reasons. Friendster and MySpace were next to enter the social SNS arena, followed by Facebook in 2004. Even though MySpace had a following of more than 300 million users, it could not compete with Facebook, which now has overtaken the social networking world. However, as development of SNS started to emerge, a market saturation began to take effect. Some classrooms have begun to incorporate technology in daily learning as well as social channels specific to student's course work. Traditional social media sites are used, as are educational oriented sites such as ShowMe and Educreations Interactive Whiteboard. == Controversies == While SNS continue to play an influential role in helping people form real-world connections via the Internet, renewed concerns over the social media bubble have surfaced due to recent controversies. These threats include growing concerns about breaches in data, the rise of bot accounts, and the sharing of fake news on SNS platforms. There are also concerns that big data figures associated with these SNS are inflated or fake, as well as worries about the role the platforms played in national elections (see Russian interference in the 2016 United States elections). These issues have resulted in a lack of trust among the sites' users.
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G.hn

Gigabit Home Networking (G.hn) is a specification for wired home networking that supports speeds up to 2 Gbit/s and operates over four types of legacy wires: telephone wiring, coaxial cables, power lines and plastic optical fiber. Some benefits of a multi-wire standard are lower equipment development costs and lower deployment costs for service providers (by allowing customer self-install). == History == G.hn was developed under the International Telecommunication Union's Telecommunication Standardization sector (the ITU-T) and promoted by the HomeGrid Forum and several other organizations. ITU-T Recommendation (the ITU's term for standard) G.9960, which received approval on October 9, 2009, specified the physical layers and the architecture of G.hn. The Data Link Layer (Recommendation G.9961) was approved on June 11, 2010. Prominent organizations, including CEPca, HomePNA, and UPA, who were creators of some of these interfaces, rallied behind the latest version of the standard, emphasizing its potential and significance in the home networking domain. Moreover, the ITU-T extended the technology with multiple input, multiple output (MIMO) technology to increase data rates and signaling distance. This new feature was approved in March 2012 under G.9963 Recommendation. The development and promotion of G.hn have been significantly supported by the HomeGrid Forum and several other organizations. The technology was not only designed to address home-networking challenges but also found applications beyond this initial scope, showcasing its versatility and potential in the networking domain. == Technical specifications == === Technical overview === G.hn specifies a single physical layer based on fast Fourier transform (FFT) orthogonal frequency-division multiplexing (OFDM) modulation and low-density parity-check code (LDPC) forward error correction (FEC) code. G.hn includes the capability to notch specific frequency bands to avoid interference with amateur radio bands and other licensed radio services. G.hn includes mechanisms to avoid interference with legacy home networking technologies and also with other wireline systems such as VDSL2 or other types of DSL used to access the home. OFDM systems split the transmitted signal into multiple orthogonal sub-carriers. In G.hn each one of the sub-carriers is modulated using QAM. The maximum QAM constellation supported by G.hn is 4096-QAM (12-bit QAM). The G.hn media access control is based on a time division multiple access (TDMA) architecture, in which a "domain master" schedules Transmission Opportunities (TXOPs) that can be used by one or more devices in the "domain". There are two types of TXOPs: Contention-Free Transmission Opportunities (CFTXOP), which have a fixed duration and are allocated to a specific pair of transmitter and receiver. CFTXOP are used for implementing TDMA Channel Access for specific applications that require quality of service (QoS) guarantees. Shared Transmission Opportunities (STXOP), which are shared among multiple devices in the network. STXOP are divided into Time Slots (TS). There are two types of TS: Contention-Free Time Slots (CFTS), which are used for implementing "implicit" token passing Channel Access. In G.hn, a series of consecutive CFTS is allocated to a number of devices. The allocation is performed by the "domain master" and broadcast to all nodes in the network. There are pre-defined rules that specify which device can transmit after another device has finished using the channel. As all devices know "who is next", there is no need to explicitly send a "token" between devices. The process of "passing the token" is implicit and ensures that there are no collisions during Channel access. Contention-Based Time Slots (CBTS), which are used for implementing CSMA/CARP Channel Access. In general, CSMA systems cannot completely avoid collisions, so CBTS are only useful for applications that do not have strict Quality of Service requirements. ==== Optimization for each medium ==== Although most elements of G.hn are common for all three media supported by the standard (power lines, phone lines and coaxial cable), G.hn includes media-specific optimizations for each media. Some of these media-specific parameters include: OFDM Carrier Spacing: 195.31 kHz in coaxial, 48.82 kHz in phone lines, 24.41 kHz in power lines. FEC Rates: G.hn's FEC can operate with code rates 1/2, 2/3, 5/6, 16/18 and 20/21. Although these rates are not media specific, it is expected that the higher code rates will be used in cleaner media (such as coaxial) while the lower code rates will be used in noisy environments such as power lines. Automatic repeat request (ARQ) mechanisms: G.hn supports operation both with and without ARQ (re-transmission). Although this is not media specific, it is expected that ARQ-less operation is sometimes appropriate for cleaner media (such as coaxial) while ARQ operation is appropriate for noisy environments such as power lines. Power levels and frequency bands: G.hn defines different power masks for each medium. MIMO support: Recommendation G.9963 includes provisions for transmitting G.hn signals over multiple AC wires (phase, neutral, ground), if they are physically available. In July 2016, G.9963 was updated to include MIMO support over twisted pairs. ==== Security ==== G.hn uses the Advanced Encryption Standard (AES) encryption algorithm (with a 128-bit key length) using the CCMP protocol to ensure confidentiality and message integrity. Authentication and key exchange is done following ITU-T Recommendation X.1035. G.hn specifies point-to-point security inside a domain, which means that each pair of transmitter and receiver uses a unique encryption key which is not shared by other devices in the same domain. For example, if node Alice sends data to node Bob, node Eve (in the same domain as Alice and Bob) will not be able to easily eavesdrop their communication. G.hn supports the concept of relays, in which one device can receive a message from one node and deliver it to another node farther away in the same domain. Relaying becomes critical for applications with complex network topologies that need to cover large distances, such as those found in industrial or utility applications. While a relay can read the source and target addresses, it cannot read the message's content due to its body being end-to-end-encrypted. ==== Profiles ==== The G.hn architecture includes the concept of profiles. Profiles are intended to address G.hn nodes with significantly different levels of complexity. In G.hn the higher complexity profiles are proper supersets of lower complexity profiles, so that devices based on different profiles can interoperate with each other. Examples of G.hn devices based on high complexity profiles are Residential Gateways or Set-Top Boxes. Examples of G.hn devices based on low complexity profiles are home automation, home security and smart grid devices. ==== Technical parameters ==== The chart depicts a summary of the crucial technical specifications of the G.hn standard. Many of these technical elements are consistent across different physical media, with variations seen in areas such as Tone Spacing and frequency ranges. This uniformity is essential as it allows silicon manufacturers to produce a singular chip capable of implementing all three media types, leading to cost savings. Presently, G.hn chipsets are compatible with all three media types. This compatibility allows system manufacturers to create devices that can adjust to any wiring type simply by modifying a software configuration in the equipment. === Spectrum === The G.hn spectrum depends on the medium as shown in the diagram below: === Protocol stack === G.hn specifies the physical layer and the data link layer, according to the OSI model. The G.hn Data Link Layer (Recommendation G.9961) is divided into three sub-layers: The Application Protocol Convergence (APC) Layer, which accepts frames (usually in Ethernet format) from the upper layer (Application Entity) and encapsulates them into G.hn APC protocol data units (APDUs). The maximum payload of each APDU is 214 bytes. The logical link control (LLC), which is responsible for encryption, aggregation, segmentation and automatic repeat-request. This sub-layer is also responsible for "relaying" of APDUs between nodes that may not be able to communicate through a direct connection. The medium access control (MAC), which schedules channel access. The G.hn physical layer (Recommendation G.9960) is divided into three sub-layers: The Physical Coding Sub-layer (PCS), responsible for generating PHY headers. The Physical Medium Attachment (PMA), responsible for scrambling and forward error correction coding/decoding. The Physical Medium Dependent (PMD), responsible for bit-loading and OFDM modulation. The interface between the Application Entity and the Data Link Layer is called A-interface. The interface between the Data Link Layer and the ph
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Social media use in the financial services sector

Social media in the financial services sector refers to the use of social media by the financial services sector to promote and distribute financial services. Social media is used in various aspects of the financial industry including customer service, marketing, and product development. It has enabled financial institutions to extend their reach through direct and real-time communication with customers, fostering more personal connections. It also allows individuals to talk to other individuals creating lending and trading via social groups as well as developing new financial services by fintech startup companies. In terms of marketing, social media is utilized by both traditional financial companies as well as disruptive fintech companies such as peer-to-peer lending (P2P) companies. The financial industry has used information technology since its inception in the 1960s and social media fits in with this ongoing development. Larger, traditional financial firms have integrated social media into their marketing strategies. Companies in the financial sector are subject to strict regulations that include how they use social media. In the United States, the Financial Industry Regulatory Authority (FINRA) is a key regulator that sets rules how financial firms can interact with consumers. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that financial advice is not provided by unqualified personnel, such as influencers. == History == In 2003, at the beginning of social media development, MySpace was founded as a "social networking service." It allowed people to create a profile, connect with other people, and post videos, pictures, and songs. As MySpace grew in popularity, it attracted interest from companies wishing to promote their brands on the social platform. They were joined by Facebook and in 2010 by Instagram. Financial service firms were initially slow to adapt to promotion via social media but soon joined other big firms after they saw the success other industries had in engaging with younger people. == Uses == === Branding === While companies are able to connect with more people remotely through providing online financial services, their branding strategy has shifted from customized to standardized. Prior to the outbreak of technology, most banks used customized branding where they targeted only customers in their regions. Businesses can now use technology to operate beyond their geographic location and maintain a consistent image across multiple countries with standardized branding. By being able to extend a consistent brand reputation across a wider geographic location, financial services companies can take advantage of economies of scale in advertising cost, lower administrative complexity, lower entry into new markets, and improved cross-border learning within the company. === Customer engagement === Online banking reduced face-to-face interaction between customers and their banks. Most banking transactions can now be conducted online or through mobile devices, rather than at a local branch with a teller. Social media provides a channel for firms to maintain personal contact with customers, replicating some of the interaction that was previously available at local branches. For example, a bank's Facebook page may feature an employee profile describing their job duties, which serves to present a more human face for larger institutions. === Lending === Social media is a core marketing channel for online peer-to-peer lending as well as small business lenders. Since these companies operate exclusively online, it makes sense for them to market online through social media channels. They are able to grow and find new lenders and buyers by utilizing social networks. === Trading === Social trading is an alternative way of analyzing financial data by looking at what other traders are doing and comparing, copying and discussing their techniques and strategies. Prior to the advent of social trading, investors and traders were relying on fundamental or technical analysis to form their investment decisions. Using social trading investors and traders could integrate into their investment decision-process social indicators from trading data-feeds of other traders. Investors also use platform like Reddit, Signal messaging or WeChat to create social communities to discuss investments and finance. In some cases they use this to join together using meme stocks to move financial markets, such as the 2021 GameStop short squeeze incident. They can also use social groups to launch and promote new products such as cryptocurrencies. Investing application like WeBull incorporate a forum style messaging system on each stock that is available for trading. Financial brokers such as Fidelity Investments, Interactive Brokers, and E-Trade have moved to incorporate community features in their investment apps. == Regulations == The use of social media by investors and financial services professionals for business purposes is subject to regulatory oversight, in the United States this is done primarily by the Financial Industry Regulatory Authority (FINRA). FINRA's rules, designed to protect investors from misleading information in all communications and this also applies to social media communications. This includes ensuring that social media posts follow financial advertising rules, such as being fair and balanced and not providing misleading information, and that advice is not provided by unqualified personnel, such as influencers and bank staff acting in a personal capacity. Financial firms have to maintain books and records of all interaction with customers and this includes social media. == New products and services == Social media has created entirely new products for the financial services sector, revolutionizing products and developing new industries through the merging of social technology and financial services. Fintech startups use social media to promote products to get them established. Several developing nations have used social media to leapfrog traditional financial technology; for example, WeChat Pay, which developed from the Chinese WeChat social media platform, became a major payment system in China within a few years. In 2015, according to consulting firm Accenture, 390 million people in China had registered to use mobile banking. This figure is more than the population of the United States. In the United States, the fintech company Venmo combines technology and financial services on a social platform. Other financial technology companies that have used social media to develop or promote financial products include: Lending Club – One of the first peer-to-peer lending businesses OnDeck Capital – A US online-only lending business Funding Circle – A UK-based online lending company Wise – A global online money transfers company Kabbage – A US online unsecured loan company later acquired by American Express Avant – A US online unsecured loan company Zopa – A UK online neobank providing peer-to-peer lending == Risks == === Reputational damage === Due to the real-time nature of social media, financial services companies can be impacted by potential reputational issues. Any negative experience by customers can easily be shared online and could become a viral phenomenon, those comments could likely have a detrimental effect on the company’s stock price and reputation. On the other hand, any positive experience a customer has can also be shared online. However, positive experiences are much less likely to become viral. === Scams === The nature of social media makes it easy to target individuals without being seen by the wider community, this allows scammers to target individuals. Example include romance scams such as the pig butchering scam where an individual is tricked to transfer funds or assets to the scammer over social media making it hard for law enforcement to track them or recover funds. === Customer privacy === Customer privacy is important for the financial services industry. It is critical that customer information such as a bank account numbers and other personal information is kept private. However, this information can be leaked if for example, a customer is unhappy with a bank’s service, they may tweet at the bank expressing their frustrations and include their name and account number.
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Touch 'n Go eWallet

Touch 'n Go eWallet is a Malaysian digital wallet and online payment platform, established in Kuala Lumpur, Malaysia, in July 2017 as a joint venture between Touch 'n Go and Ant Financial. It allows users to make payments at over 280,000 merchant touch points via QR code, as well as perform peer-to-peer (P2P) money transfers. Since then, the e-wallet further diversified for users to pay for tolls via RFID or PayDirect, street parking and various online payment spanning e-hailing, car-sharing apps or taxis, various overhead bills; top-up for mobile prepaid or in-game currencies; purchases on e-commerce websites; food delivery; renewing motor insurance and other insurance/takaful plans; and even movie, bus, trains or airline tickets. == Background == Prior to the launch of the e-wallet service, Touch 'n Go provided stored-value physical all-in-one contactless card (namely Touch 'n Go cards or "TnG cards") that users can use to pay for toll fares, public transportation and parking lots as well as purchases in some retail stores. In 1999, Touch 'n Go also markets SmartTag devices that allow road users to pass through certain toll booths without the need to unwind the car window. The high entry cost of the device (around RM 100 each) also meant that only few can enjoy the seamless experience. In 2009, Touch 'n Go partnered with Maxis to launch FastTap, a new mobile payment service that utilised Near-Field Communication (NFC). Maxis customers can make payments by placing the phone near the card readers (that also supports physical bank cards and Touch ’N Go cards). However, the venture featured only one phone model, Nokia 6212, which greatly limited the public reach. In July 2012, Touch 'n Go announced another collaboration with CIMB and Maxis to create similar NFC-based online transaction service that runs on compatible smartphones. Touch 'n Go Wallet was launched in February 2017 as an QR code-based e-wallet application, to compete with Samsung Pay that utilizes NFC modules. In the controlled pilot test in Taman Tun Dr Ismail, the correspondents can experience basic functionalities (prepaid mobile service reload, bills payment, movie tickets and flight tickets purchase, transfer of money with another user, and payments at participating stores and restaurants). While the deployed version of the app was generally well-received, the existing process to transfer the balance to the physical TnG card stored value from the app garnered unanimous backlash. Test groups felt that the need to head to a self-service terminal named "Pick Up Device" in person within 24 hours for completion, along with the failure to do so (the balance would be credited back to the wallet after 24 hours), was not divulged clearly and also defeated the purpose of convenience, not to mention there were only 2 such terminals. The feature was eventually suspended. On 15 November 2017, Touch 'n Go was granted permission by the Central Bank of Malaysia to form a joint venture with Ant Financial, a Chinese-based financial company that operates Alipay. The partnership allowed the local e-wallet to learn from and build upon the operational model pioneered by Alipay. In June 2018, it was reported that Touch 'n Go was pilot testing the uses of the Touch 'n Go eWallet in Rapid Transit, as the ticketing system was enabled on the Kelana Jaya line in the Klang Valley. Pilot testing only applied to stations in Kelana Jaya, KL Gateway–Universiti, Kerinchi, KL Sentral, Dang Wangi, KLCC, and Ampang Park. The test was reported to be successful in February 2020 and was planned to be fully deployed on the LRT and MRT. Due to unforeseen circumstances, this feature did not come into fruition, the app merely adds in-app purchase of monthly concession cards called "My50". In August 2018, Touch 'n Go announced that selected drivers may experience first-hand a new RFID-based payment (later rebranded as "myRFID") that serves to replace SmartTag devices on closed toll roads with during pilot testing phase commencing on 3 September 2018. On 2 November 2018, participation in the ongoing pilot programme was expanded, allowing more drivers to sign up ahead of the public rollout of the RFID system. During the same period, Touch 'n Go has discontinued the sales of SmartTAG devices in favor of the RFID-based payment system. Initially, the installation of the RFID chip onto the car could only be done by Touch 'n Go staff at the RFID fitment centers, at no cost. As the pilot testing concluded on 15 February 2020, a self-installation kit are being offered to the public on Lazada and Shopee. Support for taxi-hailing mobile apps was added in November 2018 when Touch 'n Go partnered with EzCab and Public Cab, allowing users to make payments via QR code. This was later expanded to support MULA on 7 January 2020, and later MyCar on 4 April 2020. Touch 'n Go eWallet was also the first eWallet to convert Kuala Lumpur's most famous Ramadan bazaar in Kampong Bahru into "Kampong Kashless", a venue that can accept cashless QR payments. It welcomed more than 250,000 Malaysians including local celebrities and government officials. On 1 October 2019, some e-commerce websites owned by the Alibaba Group (TMall and Taobao) began to support Touch 'n Go eWallet payments, Lazada joined the list on 29 October 2019. Touch 'n Go eWallet was one of the three e-wallet services in Malaysia (the other being Boost and GrabPay) that was eligible for its users to receive an RM 30 credit in conjunction of E-Tunai Rakyat program under the Budget 2020 plan, that further normalizes adoption of cashless and mobile payment among Malaysians. Unlike Boost and GrabPay, whose P2P transfers were completely disabled until users have exhausted the RM 30 first, Touch 'n Go eWallet did not impose such measures. in 2020, Touch 'n Go eWallet joined DuitNow, an electronic transaction ecosystem in Malaysia which allows the funds from Touch 'n Go eWallet to be transferred to other competing services and vice versa, by implementing a standard DuitNow QR code deisgn. Japan become the first country outside Malaysia to support Touch 'n Go eWallet payment via Alipay Connect. During the COVID-19 pandemic and the enforcement of the movement control order, use of eWallets (including Touch 'n Go eWallet) increased tremendously among citizens due to its contactless nature of the payment and increased take-out orders at home; which in turn helped small and medium-sized enterprises to thrive. Touch 'n Go eWallet launched its loyalty programme – The Goal Hunter – in October 2020 where on monthly basis, users collect stamps by paying with the app in exchange for rewards that include lucky draws and other vouchers. == Services == Touch 'n Go eWallet app is available for download on both Google Play and Apple Appstore. It utilizes QR code technology for local in-store payments. The Touch 'n Go eWallet app also diversifies payment types, including but not limited to Utility bills Purchase of motor insurance policy Pay Later facility Prepaid reload and Postpaid payment to telecommunications companies loan repayments for courts, MBSJ payments, zakat and PTPTN payment for car parking P2P transfer airline ticket bookings; movie tickets from TGV Cinemas RFID refuelling at Shell stations (defunct after Shell launched its own payment app in 2024) User can reload the eWallet credit by setting up auto-reload, purchasing reload pins from convenience stores (such as 7-Eleven, KK Super Mart, MyNews, Family Mart etc.), reloading by FPX and credit/debit card. The PayDirect feature allows users to link their physical Touch 'n Go cards into the eWallet, where the toll fare can be debited from the eWallet balance when flashing the card near the sensor. In the circumstance of insufficient balance in the app, the toll fare will be deducted from the physical card's balance instead. This also conveniently allows users to view the card's remaining balance. Touch 'n Go eWallet is the first and only eWallet to offer a money-back guarantee when an unauthorised transaction is made on the user’s eWallet account, subject to Terms & Conditions. Payment via QR code scanning, including Touch 'n Go eWallet, becomes a norm in most of the shops/restaurants across Malaysia, including roadside hawkers/stall owners and automatic vending machines. The merchants usually display their owner's individual QR or Business account that they can apply for in-app. The popularity attributes to the low merchant onboarding cost (Unlike NFC payment and debit/credit card that requires purchase or rental of a payment terminal device at a yearly fee.) The app is also one of the few ewallet that supports bidirectional liquidity (alongside MAE developed by Maybank), where funds can be transferred two-way with bank accounts. This is not possible with the other major ewallets (GrabPay, Boost, ShopeePay etc.) where the money that is reloaded to the wallet cannot be transferred to another bank account, unless through manual req
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Bitcoin Satoshi Vision

Bitcoin Satoshi Vision (BSV) is a cryptocurrency that is a hard fork of Bitcoin Cash. Bitcoin Satoshi Vision was created in November 2018 by a group of individuals led by Craig Steven Wright, who has claimed since 2015 to be Satoshi Nakamoto, the creator of the original bitcoin. == History == === 2018 split from Bitcoin Cash === On 15 November 2018, a hard fork chain split of Bitcoin Cash occurred between two rival factions called Bitcoin Cash and Bitcoin SV. On 15 November 2018 Bitcoin Cash traded at about $289, and Bitcoin SV traded at about $96.50, down from $425.01 on 14 November for the un-split Bitcoin Cash. The split originated from what was described as a "civil war" in two competing Bitcoin Cash camps. The first camp, supported by entrepreneur Roger Ver and Jihan Wu of Bitmain, promoted the software entitled Bitcoin ABC (short for Adjustable Blocksize Cap), which would maintain the block size at 32 MB. The second camp led by Craig Steven Wright and billionaire Calvin Ayre put forth a competing software version Bitcoin SV, short for "Bitcoin Satoshi Vision", which would increase the block size limit to 128 MB. === 2019 de-listing from Binance === In April 2019, an online feud broke out between those who supported the claims of Bitcoin SV supporter Craig Wright that he was Satoshi Nakamoto, and those who did not. The feud resulted in cryptocurrency exchange Binance de-listing Bitcoin SV from their platform, stating that: At Binance, we periodically review each digital asset we list to ensure that it continues to meet the high level of standard we expect. When a coin or token no longer meets this standard, or the industry changes, we conduct a more in-depth review and potentially delist it. We believe this best protects all of our users. When we conduct these reviews, we consider a variety of factors. Here are some that drive whether we decide to delist a digital asset: Commitment of team to project Level and quality of development activity Network / smart contract stability Level of public communication Responsiveness to our periodic due diligence requests Evidence of unethical / fraudulent conduct Contribution to a healthy and sustainable crypto ecosystem === 2021 network attack === In August 2021, Bitcoin SV suffered a 51% attack, after previously suffering attacks in June and July of the same year. Such an attack involves cryptocurrency miners gaining control of more than half of a network's computing power; these kinds of network attacks have the goal of preventing new transactions from gaining confirmations, allowing the attackers to double-spend coins. Adam James, senior editor at OKEx Insights claimed that "In the intermediate term, the attack has seemingly somewhat-negligible impact on its current price action," however "Faith in [Bitcoin SV] will likely be reduced following the incident." === 2024 high court ruling === In March 2024, Mr Justice James Mellor in the British High Court ruled that Wright is not Satoshi Nakamoto.
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Ciphertext expansion

In cryptography, the term ciphertext expansion refers to the length increase of a message when it is encrypted. Many modern cryptosystems cause some degree of expansion during the encryption process, for instance when the resulting ciphertext must include a message-unique Initialization Vector (IV). Probabilistic encryption schemes cause ciphertext expansion, as the set of possible ciphertexts is necessarily greater than the set of input plaintexts. Certain schemes, such as Cocks Identity Based Encryption, or the Goldwasser-Micali cryptosystem result in ciphertexts hundreds or thousands of times longer than the plaintext. Ciphertext expansion may be offset or increased by other processes which compress or expand the message, e.g., data compression or error correction coding. == Reasons why Ciphertext expansion can occur == === Probabilistic Encryption === Probabilistic encryption schemes, such as the Goldwasser-Micali cryptosystem, necessarily produce ciphertexts that are longer than the original plaintexts. This is because the set of possible ciphertexts must be larger than the set of plaintexts to achieve semantic security. === Initialization Vectors (IVs) === Many block cipher modes of operation, like Cipher Block Chaining (CBC), require the use of an Initialization Vector (IV) that is unique for each message. The IV is typically appended to the ciphertext, resulting in expansion. === Redundancy and Error Correction === Some cryptographic schemes intentionally introduce redundancy or error correction codes into the ciphertext to protect against tampering or transmission errors. This added data increases the ciphertext size. === Specific Cryptosystems === Certain cryptographic schemes, such as Cocks Identity-Based Encryption, can produce ciphertexts that are hundreds or thousands of times longer than the original plaintext. This extreme expansion is a design choice to achieve the desired security properties. Ciphertext expansion can be offset or increased by other processes that compress or expand the message, such as data compression or error correction coding. The overall impact on message size depends on the relative strengths of these competing effects.
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