Small Business Tips

Developer’s Guide to Preventing OWASP Mobile Top 10 Threats

Mobile apps have become essential tools for everything from business operations to personal finance. Yet as developers continue to innovate, attackers grow equally sophisticated. Protecting user data and ensuring app reliability now demand more than basic measures. Developers must understand the owasp mobile top 10, a global standard for identifying and mitigating the most critical mobile app vulnerabilities. This guide provides a practical roadmap for developers to build secure, reliable, and future-ready mobile applications.

Understanding the OWASP Mobile Top 10 Framework

The owasp mobile top 10 is an industry-recognized framework that lists the ten most dangerous mobile vulnerabilities affecting iOS and Android apps. These include insecure authentication, data leakage, poor cryptography, and reverse engineering risks. For developers, this list serves as a foundation to implement proactive defenses and integrate security into every development stage.

By understanding the attack vectors behind each threat, developers can take targeted steps to reduce exposure. The key is to move from reactive patching to proactive prevention.

1. Start with Secure Coding Practices

Security begins with the code itself. Poor coding practices often create unintentional backdoors that attackers exploit. Developers should follow principles such as input validation, least privilege access, and secure data storage. Avoid hardcoding API keys, tokens, or passwords within the source code. Implement automated static code analysis to detect vulnerabilities before deployment. Regular code reviews further strengthen the app’s resilience by ensuring no insecure snippets go unnoticed.

2. Manage Sensitive Data Carefully

Data privacy is at the core of mobile app trust. Users expect their information to remain confidential and protected. Never store sensitive data like credentials, tokens, or personal details in plain text. Instead, use platform-specific secure storage options such as the iOS Keychain or Android Keystore. Always apply encryption both during storage and transmission. Clear temporary files and cache regularly to avoid accidental data exposure.

3. Strengthen Authentication and Authorization

Insecure authentication remains a leading cause of data breaches. Implement strong authentication mechanisms such as biometrics or multi-factor authentication (MFA). Avoid relying solely on device identifiers or static passwords. Authorization checks should always occur on the server side rather than client-side logic. A layered authentication model not only prevents unauthorized access but also ensures that sensitive operations are properly validated.

4. Secure Network Communication

Mobile apps frequently exchange sensitive information with servers, making communication security a top priority. Use Transport Layer Security (TLS) for all network requests and reject unencrypted connections. Implement certificate pinning to prevent man-in-the-middle attacks. For APIs, ensure strict token validation and enforce time-based expiration policies. Developers should also monitor traffic behavior to detect suspicious activity in real time.

5. Use Robust Cryptography

Weak or outdated encryption algorithms can make an app vulnerable even when other controls are in place. Always rely on proven cryptographic libraries rather than developing custom solutions. Keep cryptographic dependencies up to date and use strong algorithms such as AES-256 for encryption. Key management is equally critical – never hardcode or expose encryption keys in logs or repositories.

6. Prevent Reverse Engineering

Attackers often attempt to reverse engineer apps to uncover sensitive logic or inject malicious code. Obfuscation is one of the most effective defenses against this. Minify and obfuscate source code using reliable tools to make it harder for attackers to read or modify. Combine this with integrity verification checks to ensure that the app binary has not been tampered with. Runtime Application Self-Protection (RASP) adds another layer by detecting and responding to threats dynamically within the app environment.

7. Secure Third-Party Libraries and APIs

Modern apps depend heavily on third-party libraries and SDKs for functionality. However, unverified external dependencies often introduce vulnerabilities. Before integrating any library, verify its source, reputation, and update history. Use dependency scanning tools to identify known vulnerabilities. Keep all third-party components updated to their latest stable versions, and remove unused libraries to minimize attack surfaces.

8. Protect Against Insecure Storage

Improper data storage practices are among the most common weaknesses listed in the owasp mobile top 10. Avoid storing sensitive information in shared preferences or unencrypted databases. Even device backups can expose data if not handled securely. Use sandboxing techniques to isolate app data and limit cross-app data access. This ensures that even if one component is compromised, the rest of the data remains protected.

9. Monitor for Runtime Threats

Mobile security doesn’t end at deployment. Attackers often exploit runtime vulnerabilities to inject malicious payloads or manipulate app logic. Implement runtime protection that can detect tampering, hooking, or debugging attempts. Monitoring tools can provide visibility into how the app behaves in different environments, helping developers spot potential intrusions early. Regular updates and patching are vital for maintaining security posture over time.

10. Conduct Continuous Testing and Auditing

Security is not a one-time task but a continuous process. Conduct regular vulnerability assessments, penetration testing, and code audits to detect emerging threats. Automated testing tools can help identify common weaknesses faster, while manual testing provides deeper insights. Each update or feature addition should go through a security review to ensure new vulnerabilities are not introduced inadvertently.

Integrating Security in the Development Lifecycle

For developers, integrating security into every stage of the development lifecycle – from planning to post-deployment – is the key to long-term success. Adopt a DevSecOps approach where security checks are embedded into continuous integration and delivery pipelines. Automated scans, static analysis, and real-time alerts help maintain consistent security standards without slowing development speed.

In addition, documenting security policies and providing clear coding guidelines ensures all team members adhere to the same standards. Collaborative security efforts across design, development, and QA teams build a stronger overall defense.

Educating Developers and Teams

A secure app depends on a security-conscious team. Developers should undergo regular training to stay updated with evolving mobile threats and secure coding best practices. Workshops, security webinars, and hands-on sessions focused on the owasp mobile top 10 help teams recognize vulnerabilities before they reach production. Encouraging developers to think like attackers fosters a more proactive security mindset.

Balancing Security and User Experience

While tightening app security is critical, it must not compromise user experience. Overly complex authentication or heavy encryption can slow performance or frustrate users. Developers should strive for a balance between security and usability. Techniques like biometric authentication, seamless token refresh, and intelligent session handling ensure both safety and smooth interaction.

Preparing for Future Threats

The mobile security landscape is continuously evolving. Emerging technologies such as 5G and AI introduce new opportunities and challenges. Developers must stay informed about new vulnerabilities, frameworks, and compliance regulations. Regular updates, threat intelligence sharing, and proactive patching help future-proof apps against next-generation attacks.

Conclusion: Building Safer Apps with Confidence

Developers hold the key to creating secure, trustworthy mobile experiences. By following the owasp mobile top 10 framework and integrating security into every development phase, they can drastically reduce vulnerabilities and protect user trust. Preventing these threats is not only about avoiding breaches, it’s about building digital products that users rely on with confidence.

doverunner empowers development teams to achieve this goal through advanced mobile protection technologies. Its solutions help identify vulnerabilities, strengthen runtime defenses, and ensure compliance with modern security standards. By partnering with DoveRunner, developers can focus on innovation while maintaining strong, built-in protection at every level of their mobile applications.

What are anti-piracy measures? A beginner’s guide to digital content protection

Digital piracy presents risks to creators and distributors by jeopardizing online income and degrading intellectual property. Anti-piracy solutions are a systematic intervention to protect the online resources against unlicensed reproduction, distribution, and usage. This guide presents the core strategies and tools that can be used by a novice to increase digital content security and stay in control of their work in a networked world.Continue reading “What are anti-piracy measures? A beginner’s guide to digital content protection”

How to reduce Procurement Costs and Risks through RFP management software?

Modern organizations often face challenges of competitiveness on the market, which leads to the need in improving efficiency and minimizing costs. Of all the operational processes, the procurement area can be regarded as possessing the greatest opportunity to reduce costs and minimize risks. The use of advanced technologies, particularly in the handling of RFPs, will significantly enhance company procurement methods and, in doing so, significantly enhance their efficiency, noticeable expense decrease, and mitigation of threats.

The Evolution of Procurement Systems

This paper-based procurement process consumes a lot of time, it has many errors that make it hard and challenging to monitor. The problem with such systems is that, as businesses grow and their procurement requirements get more sophisticated, such systems become ineffective. This is where Digital Procurement Systems are helpful in playing out the overall procurement procedure in a far better way.

The key middle ware in many of the contemporary procurement systems is RFP management software. This is a field instrument that is used in line with strategic sourcing and vendor negotiations by helping in the automation of the RFP process.

Understanding RFP Management Software

RFP management software on the other hand is a specialized tool that can assist in creating and distributing RFPs, collecting the completed documents and even evaluating them. This alone leads to better management of all activities to do with RFPs as they are consolidated into one system to enhance control and collaboration from the procurement stage.

Typical key characteristics of RFP management software are as follows:

Standard templates for the generation of RFPs at short notice
Computerized delivery of the proposal to likely suppliers
Interactive applications for use by the stakeholders
The idea of having a single place to gather and assess responses
Available features might include complex analytics and analysis reporting.

When these features are made together into a single package of RFP management software, it solves most of the concerns arising out of the conventional procurement procedures.

Reducing Procurement Costs

Among the primary advantages that can be obtained from the use of RFP management software is cost saving. Here’s how this technology helps organizations reduce procurement costs:

Time Efficiency: RFP management software greatly eliminates time taken in conducting RFPs through initiating automation of many manual processes of the activity. This saves a lot of time for procurement teams, and as a result of reduced time, or time is money, there are reduced costs of labor, high productivity among procurement personnel.

Improved Supplier Selection: The software is equipped with analytical tools in that can help organization in arriving at informed decisions when choosing their suppliers. The rating methodology effectively enables comparisons across a number of evaluation criteria to allow organizations to make vendor evaluations based on value for money.

Increased Competition: RFP management software helps to expand the supplier base to have more candidates to submit a bid thus increasing competitive pressure. This usually results in improved price competition and offsetting of better terms for the buying organization.

Standardization and Consistency: Templates and best practices of the RFP management software guarantee that each procurement procedure is standardized. Thus, the standardization helps cut on mistakes and their repercussions, meaning less time and money will have to be spent.

Strategic Sourcing: As it has been mentioned, the data and information provided by the RFP management software help in introducing more strategic sourcing practices. By reviewing the data of costs and vendors’ performance, organizations are able to realize areas of combining purchasing, buying in large lots, and others.

Implementing RFP Management Software: Best Practices

Compliance Management: There are many features such as built- in rules for compliance and checks, enhanced audit trails incorporated in different RFP management solutions. This guarantees that any business functions regarding procurement honors all internal guidelines, professional standards, and the law in order to avoid penalties.

Vendor Vetting: They sometimes come will subcomponents for detailed analysis of the vendor’s financial status, previous performance, or they check credentials. The process reduces the likelihood of any organization falling for unscrupulous suppliers by conducting a rigorously vetting exercise that will flush out such firms.

Transparency and Accountability: There is increased visibility of information during the procurement process since all the RFP related activities are done in one system. This visibility helps to control fraud, favoritism or any other unethical practices that can be offered in the procedure.

Data Security: In today’s RFP management software has powerful security or permission controls to see procurement data. This is important particularly where propriety information or knowledge is involved in the process.

Risk Assessment Tools: Some of the features in advanced systems consist of risk assessment modules that assist in the detection of risks that come along with supplier or contracts. Such a perspective enables organizations to put measures of preventing issues before they happen.

Stakeholder Involvement: In selection and implementation process, involve all the stakeholders that are affected by the process. This guarantees that all the selected solution offers value to all the departments that participate in procurement activities.

Integration with Existing Systems: In particular, try to find RFP management software that would easily fit into your current purchasing solution and other programs. This integration accelerates the interaction or rather the transfer of data in the system hence increasing the overall efficiency.

Continuous Improvement: Conduct periodic assessment on the RFP management software and use the results yielded in order to improve the business. Take this information to make adjustments and enhance the procurement processes.

Supplier Engagement: Ensure your suppliers are aware on how to use the new system to the best knowledge. In turn, it is possible to achieve a better response and optimize the common process for everyone.

Conclusion

With cost reduction and risk mitigation emerging as critical imperatives of late, RFP management software provides an impactful solution for organizations eager to overhaul their procurement frameworks. The uses of this technology can improve procurement processes by automation and gaining valuable insights into the business, while at the same time cutting procurement cost and the risks associated to it.

Hence, it is clear that the organizations that adopt digital solutions in the procurement processes such as the RFP management software will easily manage the challenges in future, capture every opportunity as well as remain relevant in the respective markets. As for virtual RFP and big data in procurement, it is possible not only to gain tangible short-term cost savings but also to transform procurement into more efficient and less vulnerable to short-term fluctuations in the long term.

Top Festive Offers on Furniture: Buy Now, Pay Later with Bajaj Finserv

A leader in financial solutions, Bajaj Finserv, offers a simple, cost-effective method of bringing high-quality furniture home without putting a strain on finances instantly. As the festive season lights up homes and hearts, many people look to upgrade their spaces with new furniture that reflects the spirit of celebration and warmth. Through their exclusive platform, Bajaj Mall, the ‘Buy Now, Pay Later’ option is available, making it possible for everyone to access top-notch furniture for their dream home.

With Bajaj Finserv, you’re not just purchasing furniture; you’re investing in comfort, aesthetics, and functionality for your living spaces, all while enjoying the flexibility of low-cost EMI options. Why compromise on quality when you have a financial partner dedicated to simplifying your journey? This article will explore the best festive offers on furniture available on Bajaj Mall, the financial benefits of shopping with Bajaj Finserv, and how their ‘Buy Now, Pay Later’ model can make your home upgrade hassle-free.

Why Bajaj Finserv is the ideal choice for furniture shopping this festive season

Although purchasing furniture can be thrilling, it can also be difficult due to exorbitant prices. Understanding this, Bajaj Finserv provides flexible EMI options that allow you to spread payments over reasonable instalments. Here’s what makes Bajaj Finserv a top choice for your next furniture upgrade:

Flexible financing with low-cost EMIs

Bringing opulent furniture home is now easier than ever thanks to Bajaj Finserv’s affordable EMIs, which don’t interfere with your financial objectives. You may now choose the things you need, knowing that you can spread the payments pleasantly, rather than having to save for months to buy high-quality pieces.

Special festive offers exclusive to Bajaj Mall

During festive seasons, Bajaj Mall goes above and beyond with exclusive deals and discounts on a variety of premium furniture brands. Every taste and price range can be satisfied at Bajaj Mall, whether you’re searching for a bold sofa, a robust dining set, or an elegant closet.

The ‘Buy Now, Pay Later’ advantage

With Bajaj Finserv’s Buy Now, Pay Later option, you can enjoy your new furniture today without an upfront financial commitment. This feature is particularly helpful for big purchases, allowing you to enjoy your furniture now and pay off the balance in instalments that fit your monthly budget.

Unbeatable furniture deals on Bajaj Mall this festive season

Why choose Bajaj Mall for your furniture shopping? The platform is more than just an online store. With a user-friendly interface, Bajaj Mall offers an extensive selection of high-quality furniture, giving you access to everything from contemporary designs to traditional craftsmanship, all available on low-cost EMIs.

On Bajaj Mall, you’ll find exclusive offers on a variety of furniture categories:

Living room furniture: From luxurious sofas to stylish coffee tables, Bajaj Mall has everything you need to create a warm and inviting living space. Take advantage of their festive deals and upgrade your living room with premium pieces.
Bedroom essentials: A bedroom should be a sanctuary of comfort and style. Bajaj Mall offers exclusive deals on beds, wardrobes, and bedside tables that combine both form and function.
Dining sets: With options ranging from small tables to entire dining ensembles, you can customise each meal to fit your area and family size, whether you’re hosting celebratory feasts or family dinners.
Outdoor furniture: If you have a garden or balcony, Bajaj Mall’s range of outdoor furniture, including chairs, tables, and loungers, can help you create a relaxing outdoor retreat.

Shop smart with Bajaj Finserv’s low-interest EMI plans

Bajaj Finserv makes festive shopping more affordable with a variety of flexible, low-interest EMI plans. The following explains why these choices are sensible for anyone wishing to update their furniture:

Ease of application: With a simple application process, you can quickly access financing without the usual hassle.
No hidden charges: Bajaj Finserv prides itself on transparency. You’ll know exactly what to expect in terms of payments, interest, and fees from the very start.
Flexible tenure: You can select from a variety of EMI tenures to fit your tastes and financial circumstances, whether you want a longer period with lower monthly instalments or a shorter term for faster repayment.

How does Buy Now, Pay Later work with Bajaj Finserv

Are you curious about how the “Buy Now, Pay Later” option operates? Here is a detailed summary:

Browse and select your furniture on Bajaj Mall

From the comfort of your home, you can explore a variety of options, including sofas, dining sets, beds, and more. A thorough description and pricing breakdown are included with every product so you know exactly what you’re receiving.

Choose the Buy Now, Pay Later option at checkout

Once you’ve added your chosen items to your cart, select the ‘Buy Now, Pay Later’ option during checkout. This option lets you defer initial payments, allowing you to pay in smaller instalments over a chosen period.

Select your EMI tenure

Bajaj Finserv allows you to customise your payment plan with flexible tenure options. Pick a time frame that suits your budget, and you’ll know exactly what you’ll be paying every month.

Enjoy your new furniture without upfront payment

You may immediately begin utilising your furniture, which will be supplied according to standard delivery schedules, bringing your festive vision to life without having to worry about money.

Highlights of shopping on Bajaj Mall

Variety of options: From contemporary designs to classic styles, Bajaj Mall offers an impressive range of furniture that meets both style and quality standards.
Exclusive discounts: Take advantage of seasonal sales and discounts available only on Bajaj Mall, especially during festive times.
Quick financing approval: Bajaj Finserv makes the financing process seamless, so you can start shopping immediately.
No upfront payments: You can buy high-quality furniture without having to pay for it all at once, which will save up money for other festive necessities.

Benefits of shopping on Bajaj Mall this festive season

Here’s why Bajaj Mall stands out when it comes to festive furniture shopping:

Interest-saving options: Bajaj Finserv’s low-cost EMI options let you save on interest compared to traditional credit lines.
Simplified budget management: With instalment-based payments, you can manage your finances more effectively, making it easier to purchase higher-quality items.
Home delivery and easy returns: Bajaj Mall guarantees a hassle-free delivery experience, and returns are simple and dependable in the event that something doesn’t work out.

Conclusion

In a festive season where every detail matters, choosing the right furniture for your home can make celebrations more memorable. With Bajaj Finserv’s Buy Now, Pay Later offer on Bajaj Mall, upgrading your home has never been easier or more affordable. From plush sofas to elegant dining sets, you have the freedom to select quality furniture and pay at your own pace with low-cost EMIs, allowing you to focus on what truly matters: enjoying the festive season with family and friends.

So, why wait? Explore the top festive offers on furniture at Bajaj Mall and take the first step towards creating the home of your dreams. With Bajaj Finserv, you’re not just making a purchase—you’re making a wise investment in comfort, style, and financial freedom.

How to Invest for Tax Saving: A Simple Guide

Saving taxes is a smart way to keep more of your hard-earned money while also building wealth for the future. There are several investment options available in India that not only help you save taxes but also offer good returns.

1. Invest in ELSS Funds

Equity-Linked Savings Scheme (ELSS) is a type of mutual fund that primarily invests in stocks. The best part? You can claim up to ₹1.5 lakh as a tax deduction under Section 80C. Plus, ELSS has a lock-in period of just three years, which is shorter than most other tax-saving options.

Why ELSS?

Potential for High Returns: Since ELSS invests in the stock market, it can offer higher returns.

Tax Saving: You can save up to ₹46,800 in taxes if you’re in the 30% tax bracket.

2. Open a PPF Account

The Public Provident Fund (PPF) is a government-backed savings scheme that is safe and offers decent returns. You can invest up to ₹1.5 lakh per year and claim the entire amount as a deduction under Section 80C.

Why PPF?

Safety: Your money is completely secure with the government.

Tax-Free Interest: The interest you earn is not taxed.

3. Start Contributing to NPS

The National Pension System (NPS) is a great way to save for your retirement. You can claim deductions under Section 80CCD(1) and an additional ₹50,000 under Section 80CCD(1B).

Why NPS?

Retirement Savings: It helps you build a retirement fund.

Extra Tax Benefit: You can save more beyond the ₹1.5 lakh limit.

4. Invest in Tax-Saving Fixed Deposits

Tax-saving fixed deposits (FDs) offer a safe and secure way to save taxes. These FDs have a lock-in period of five years, and you can claim a deduction of up to ₹1.5 lakh under Section 80C.

Why Tax-Saving FDs?

Security: Guaranteed returns with no risk.

Tax Benefit: You get tax deductions on the amount you invest.

5. Consider Sukanya Samriddhi Yojana

If you have a daughter, Sukanya Samriddhi Yojana (SSY) is a must-consider option. This government-backed scheme offers high interest rates and tax benefits under Section 80C.

Why SSY?

High Interest Rates: Often higher than other small savings schemes.

Tax Benefits: Contributions, interest, and maturity amount are all tax-free.

6. Buy Health Insurance

Health insurance not only protects you from unexpected medical expenses but also helps you save taxes. Premiums paid for health insurance are deductible under Section 80D.

Why Health Insurance?

Medical Coverage: Protects you from high hospital bills.

Tax Savings: You can save taxes while ensuring your family’s health.

Conclusion

Investing for tax saving doesn’t have to be complicated. Whether you prefer high returns with some risk (like ELSS) or safer options (like PPF and FDs), there’s something for everyone. Start early, invest wisely, and make the most of the tax benefits available to you.

This guide is based on common tax-saving strategies available under the Indian Income Tax Act. For personalized advice, consider consulting a financial advisor.

Health ATM: Proactive Steps for Long-Term Health

HealthATM’s flagshare product is a group of CE/FDA-licensed point-of-care systems that can check as many as 75 parameters in under 10 minutes.

The Multifunctional Health ATM is HIPAA compliant, ensuring safety and reliability for patients with a built-in telemedicine function for medical consultations from a medical doctor, who can use the patients’ important signs and check results to guide their prognosis and treatment. The Health ATM also enables doctors to share prescriptions and reviews through WhatsApp, e-mail, and printouts. Also, a free-of-rate AI-based meal plan facilitates patients to control their health by 7-day meal plans.

Moreover, the information analytics platform permits Central and State Governments, NGOs, and other establishments to generate an Impact Analysis record on healthcare implementation.

Understanding Health ATMs: A Brief Overview

Health ATMs, also known as telemedicine kiosks or e-health kiosks, are self-service healthcare centers that provide basic medical services. These machines are equipped with superior diagnostic tools and might join patients with healthcare specialists, even in remote areas wherein access to hospital therapy is scarce.

Health ATMs are part of healthcare innovation that offers healthcare services to patients, and empowers them.

What are the advantages of a health ATM?

The health ATMs are computerized small-sized stalls that offer main medical services, which include measuring critical signs and symptoms, conducting basic lab tests, and allotting medicinal drugs. Equipped with AI-powered algorithms, they can diagnose common ailments and offer treatment tips.

It collaborates with centers of excellence in medical IoT research and improvement, healthcare analytics, and AI to undertake good technology for the Indian population. Along with undertaking body tests and delivering medicine, there are numerous functions that make the health ATM beneficial.

Conducts health and medical tests.
Dispense-free drugs for all sorts of illnesses and ailments.
The health atm also maintains data of registered patients, together with their lab reports.
The cloud-connected platform allows telemedicine so doctors can see patients in rural areas.
Also, patients can get access to those reviews whenever they use an online dashboard, e-mail, or mobile app.
Doctors can check and access the patient’s beyond health information at some stage in a video name.

Health ATM Unique Approach To Prioritizing Preventive Healthcare

Health ATMs transform healthcare through giving cost-effective and easy access to simple healthcare services, reaping rewards patients and healthcare companies from various socio-economic backgrounds, remodeling the effect and easing the weight on healthcare experts.

Its specific holistic preventive healthcare approach will shift the focal point from sick care to health care in the truest sense.

Conclusion

Health ATM manufacturers in India promise an approach to the various healthcare access issues facing individuals and households throughout the world. With their advanced diagnostic tools, telemedicine skills, and cost-effective healthcare solutions, health ATMs have the capability to revolutionize the way we obtain hospital treatment. By placing those machines in areas wherein access to healthcare is limited, we are able to start to break down the boundaries of hospital therapy, which have plagued the sector for so long.

Comparing fixed deposit interest rates: Banks vs. NBFCs vs. small finance banks

Fixed deposits (FDs) are a popular investment option for individuals seeking stability and steady returns. With various financial institutions offering FDs, including banks, non-banking financial companies (NBFCs), and small finance banks, it can be challenging to determine which option provides the most favourable interest rates.

In this article, we’ll explore the differences in tax-saving FD interest rates among these institutions and analyse the factors that influence these rates. By understanding the nuances, investors can make informed decisions and maximise their returns on their FD investments.

Comparative Analysis of Fixed Deposit Interest Rates

1. Interest Rate Levels:

– Banks: Traditionally, banks have offered relatively lower interest rates on fixed deposits compared to other financial institutions. However, they are considered among the safest options for FD investments due to stringent regulations and government oversight.

– NBFCs: Non-banking financial companies, such as Bajaj Finance, often provide higher interest rates on fixed deposits than banks. This competitive advantage allows NBFCs to attract more investors and diversify their lending operations.

– Small Finance Banks: Small finance banks, a relatively new category of financial institutions, aim to bridge the gap between traditional banks and NBFCs. They offer interest rates that are typically higher than those of conventional banks but slightly lower than those of NBFCs.

2. Tenure-based Interest Rates:

– Banks: Banks generally offer higher interest rates for longer FD tenures, such as 5 years or more, to encourage long-term investments and benefit from stable funding sources.

– NBFCs: NBFCs often provide attractive interest rates across various tenures, including shorter-term FDs, to cater to a broader range of investment preferences.

– Small Finance Banks: Small finance banks may offer competitive interest rates for both short-term and long-term FDs to attract a diverse customer base.

3. Senior Citizen Benefits:

– Banks: Most banks provide additional interest rate benefits for senior citizens, typically ranging from 0.25% to 0.75% higher than the regular FD rates.

– NBFCs: Similar to banks, NBFCs also offer higher interest rates for senior citizen investors, with some companies offering more competitive rates than banks.

– Small Finance Banks: Small finance banks generally follow industry practices and provide higher interest rates for senior citizen FD investors.

4. Tax-Saving FD:

– Banks: Banks offer tax-saving FD that qualify for tax deductions under Section 80C of the Income Tax Act. However, the interest rates on these FDs may be slightly lower than regular FDs.

– NBFCs: NBFCs do not offer tax-saving fixed deposits, as they are not eligible under Section 80C.

– Small Finance Banks: Some small finance banks may provide tax-saving fixed deposit schemes, similar to banks.

5. Flexibility and Additional Benefits:

– Banks: Banks typically offer limited flexibility and additional benefits for FD investors, such as loan facilities against FDs or premature withdrawal options with penalties.

– NBFCs: NBFCs often provide more flexibility, such as the option to receive interest payouts at regular intervals, partial withdrawals without penalties, and loan facilities against FDs.

– Small Finance Banks: Small finance banks may offer a mix of features, combining the benefits of both banks and NBFCs to attract customers.

When comparing fixed deposit interest rates, it’s essential to consider factors such as the tenure of investment, senior citizen status, tax-saving requirements, and the need for additional benefits or flexibility. Additionally, investors should evaluate the creditworthiness and stability of the financial institution to ensure the safety of their investments.

Which is better?

When comparing fixed deposit interest rates offered by banks, Non-Banking Financial Companies (NBFCs), and Small Finance Banks (SFBs), several factors need to be considered to determine which one is better:

Interest Rates: Typically, NBFCs and SFBs offer higher interest rates on fixed deposits compared to banks. This is because they often target customers looking for higher returns. However, the difference in interest rates may vary and is influenced by market conditions and regulatory requirements.
Safety and Security: Banks are considered safer than NBFCs and SFBs due to stringent regulations and deposit insurance schemes. Bank deposits are insured up to Rs. 5 lakh per depositor per bank by the Deposit Insurance and Credit Guarantee Corporation (DICGC), which adds an extra layer of security for depositors.
Credit Rating: NBFCs and SFBs may have varying credit ratings, which reflect their financial stability and ability to honour deposits. It’s important to check the credit rating of the institution before investing in fixed deposits.
Regulatory Oversight: Banks are regulated by the Reserve Bank of India (RBI), which sets guidelines and regulations to ensure the safety and stability of the banking system. NBFCs are regulated by the RBI but with fewer restrictions compared to banks. SFBs, being a category of banks, also fall under the regulatory purview of the RBI.
Deposit Insurance: As mentioned earlier, bank deposits are covered by deposit insurance, providing an added layer of security. However, NBFCs and SFBs may not offer the same level of deposit insurance, making bank deposits a safer option.
Accessibility and Convenience: Banks usually have a wider network of branches and ATMs, making it easier for depositors to access their funds. NBFCs and SFBs may have a more limited presence, which could affect the convenience of depositors.

Conclusion

Fixed deposit interest rates vary across banks, NBFCs, and small finance banks, offering investors a range of options to choose from based on their investment goals and preferences. While banks are considered the safest option, NBFCs and small finance banks often provide higher interest rates and additional benefits. However, it’s crucial to carefully assess the creditworthiness and reputation of the financial institution before investing.

To explore the best-fixed deposit interest rates, compare rates across various institutions, and use a fixed deposit calculator to estimate potential returns, consider downloading the Bajaj Finserv app. This user-friendly app provides a comprehensive platform for opening FDs, tracking investments, and accessing the latest interest rates and offers. By leveraging the Bajaj Finserv app, you can use the fixed deposit calculator to make informed decisions and maximise your fixed deposit investments while taking into account factors such as tenure, senior citizen status, and tax-saving requirements.

Embracing Technological Innovations: Integrating Health ATMs into Your Life

A health ATM is a type of medical kiosk that provides you healthcare services conveniently. These machines are equipped with diverse medical systems and technology to perform health tests, which include blood stress, body mass index (BMI), heart rate, and blood sugar tiers. They additionally provide quite a number of different health-related services, along with telemedicine consultations, medicinal drug allotting, and health counseling.

What is a Health ATM?

Health ATM is an integrated device made to diagnose persistent sicknesses. It is an “all-in-one digital factor” imparting primary care and diagnostics. It has a built-in current diagnostic device for the identification of;

Basic vitals
Neurology
Cardiology
Gynaecology
Medical diagnostic
Pulmonary testing
Emergency centers
Life-saving system & emergency centers.

Health ATMs are touch screen machines like other ATMs. It is designed for dealing with health data and allows human beings to get access to their PHI by any net browser using the net.

Step-by-step guide to using health ATM

Here is a simple guide you should follow to use a Health ATM. If you need to get the benefit from this virtual machine, you have to know the better use of health ATMs as follows as

Registration

First, the customers have to undergo the only time registration procedure to get access to a Health ATM by entering their date of birth, name, gender, mobile number, and region. There are also options available for fingerprint scanners and images.

OTP verification

Once you complete the above registration process, you’ll be asked for the verification by OTP, sent to your mobile. After filling in the OTP, you’ll flow to the options web page.

Select the options

After login into your options page on health atm, you need to pick out the choice from the three available options.

Health check-up

It presents you with the options for Health ATM check parameters to be had. You can easily check more than 55 health parameters through this machine. You can get the health reviews in PDF layout or additionally take them to your email. The health kiosk also lets you take print of your health reviews.

Health history

The health ATMs manufacturers generate correct health reviews according to date, time, and city. Users can take the print of their health reports at their email and get access to their beyond health reviews. The prescriptions also are accessed by the patients.

It is easy for users to attach their external health reports through the USB and upload the same reports to their health ATM account,

Consult health practitioner

You can easily get the advantages of stay sessions with a doctor through the health kiosk device. It is simple for a health practitioner to assess the person with the number of accessories connected to the kiosk, like a webcam, etc.

Doctors can, without difficulty, prescribe medication to the customers and check their health to see improvement with the help of a kiosk system.

Conclusion

Health ATM manufacturers in India make sizable tendencies in healthcare comfort and preventive care that address the most essential healthcare issues. They are positioned as a transformative force in contemporary-day healthcare due to their accessibility, emphasis on preventive measures, integration of telemedicine, individualized strategies, and capability to reduce healthcare rates.

Life Insurance for Different Life Stages: Tailoring Coverage to Your Changing Needs

Introduction:

Life insurance is an essential financial tool that provides protection and peace of mind for you and your loved ones. However, your life insurance needs and priorities can change as you progress through different stages of life. In this guide, we will explore how to tailor your life insurance coverage to your changing needs based on your life stage. From starting a family to planning for retirement, understanding the right coverage for each stage will ensure that you have adequate protection and financial security.

Young Adults and Singles:

For young adults and singles, life insurance may not be a top priority. However, it’s still important to consider coverage to protect against unexpected events. A term life insurance policy can provide a basic level of coverage at an affordable cost. This coverage can help cover any outstanding debts, such as student loans, and provide financial support for your family or dependents in the event of your untimely passing.

Married or Starting a Family:

When you get married or start a family, your life insurance needs increase. Your focus shifts towards protecting your spouse and children financially. A term life insurance policy with a longer duration can provide coverage until your children become financially independent or until your mortgage is paid off. Calculate the amount of coverage needed to replace your income and cover expenses such as childcare, education, and mortgage payments.

Homeownership and Property:

If you own a home, it’s important to consider mortgage life insurance or a mortgage protection plan. This type of coverage pays off your mortgage in the event of your death, ensuring that your family can continue living in the home without financial burden. Additionally, property insurance is crucial to protect your home and belongings against unforeseen events such as fire, theft, or natural disasters.

Career Advancement and Business Owners:

As you progress in your career or become a business owner, your life insurance needs may change. Consider a permanent life insurance policy, such as whole life or universal life insurance, which provides coverage for your entire life. These policies also offer a cash value component that can grow over time and be used for future financial needs, such as retirement planning or funding a business venture.

Empty Nesters and Retirement Planning:

As your children grow and become financially independent, your life insurance needs may decrease. Evaluate your coverage and consider adjusting it accordingly. At this stage, you may still want some coverage to provide for your spouse or cover final expenses. Additionally, consider long-term care insurance to protect against potential medical costs in retirement.

Estate Planning and Legacy:

In later stages of life, life insurance can play a crucial role in estate planning and leaving a legacy for your loved ones. Consider a life insurance policy that can provide a tax-efficient way to transfer wealth to your beneficiaries. This can help cover estate taxes, provide an inheritance for your loved ones, or even support charitable causes that are important to you.

Conclusion:

Life insurance needs evolve as you progress through different stages of life. Tailoring your coverage to meet your changing needs ensures that you have the right level of protection and financial security at each stage. Whether you’re a young adult, starting a family, owning a home, advancing in your career, planning for retirement, or considering estate planning, regularly review and adjust your life insurance coverage to align with your current circumstances. By doing so, you can have peace of mind knowing that you have tailored coverage that meets your specific needs and protects your loved ones throughout life’s journey.

Transforming Clinic Experiences: Leveraging Smart Health Kiosks for Streamlined Care Solutions

In recent years, the healthcare industry has passed through a substantial transformation with the integration of contemporary technology. One such innovation that has revolutionized the patient’s experience is the advent of smart health kiosks for check-in. These interactive touchpoints, similar to those found in airports and stores, at the moment, are making their mark in medical centres. In this blog, we tell you how health kiosks shape the healthcare sector and make services more accessible.

What is Health Kiosks

The health kiosk has turned out to be a famous device for healthcare centers trying to improve patients’ experience and streamline their operations By providing patients with the ability to carry out responsibilities independently, those kiosks can keep time and resources, reduce wait time, and boost patient pride.

Things Possible with Hospital Kiosks

A healthcare kiosk is an interactive device located at a hard and fast spot of the sanatorium. These are designed to perform multiple tasks that reward patients and hospitals alike.

A health centre kiosk gives patients they manage to locate the data themselves. By doing this, patients are actively engaged as they can engage with the device in a meaningful way.

Registration

Healthcare kiosks allow patients to sign up by scanning their ID proofs. The identification verification method in smart kiosks may additionally consist of ID card verification, face status, and biometric verification. This identifies and verifies patients’ demographic details.

Integrating Information with HIS

Further, health kiosks are capable of integrating this patient’s records with the present Hospital Information System(HIS). This ensures a smooth patient consumption procedure.

Appointment Booking

Hospital kiosks permit the patients to book an appointment with no hassle via answering questions displayed at the monitor. Plus, the patients can agenda the appointments with the favored medical doctor at their convenience.

User Interaction

Some health kiosks also improve the patients’ experience with machines for easy functioning. For instance, these kiosks can deliver instructions to patients.

Payments

Finally, after reserving an appointment, health centre kiosks permit patients to make secure online payments. They allow patients to pay their medical payments through playing cards, QR codes, or a digital payment cope with (VPA).

Advertising

Some health centre kiosks have emerged as effective advertising platforms. The device offers modern methods to promote the specialized services offered with the aid of the clinic. These encompass marketing through computerized SMSs to clinics on cloud health kiosk users or video consultations between doctors and patients.

Conclusion

The adoption of smart health kiosks in healthcare has delivered about a paradigm shift inside the way patients take a look at their appointments. The several benefits, inclusive of streamlined tactics, more accuracy, ensuring patient engagement, time and cost savings, minimized ready times, integration with EHR, and enhanced privacy and protection, highlight the transformative effect of this era on the healthcare industry. As we hold on to embrace innovation, smart kiosks are certainly paving the way for an extra efficient, patient-centric, and technologically advanced healthcare experience.