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Implementation of the digital mobile-only bank in Kazakhstan

Reading time9 min
In today’s world, Kazakhstan carries out significant improvement work for the economic situation of the country. As part of a commission from Head of State, National Bank of Kazakhstan has revoked licenses of three commercial bank pursued high-risk policy (NBK, 2017). Furthermore, over the past 10 years, 7 second-tier banks have gone into liquidation as well as the liabilities of the commercial banks as a whole have increased by 70 per cent or 5.5 trillion Tenge (Hereinafter — KZT). NBK plans to continue treatment the real economy sector, withdrawal of financial institution, restructuring its assets to well-balanced entities.

On the other side of the world, the digital and mobile banks namely, Starling bank, Monzo, N26 are becoming increasingly popular among society in the United Kingdom. As a vivid illustration, Starling Bank has increased considerably the number of customers for 8 times (up to 400 000 people) at the end of the 2018 year (Starling Bank, 2019). At the same time, one million clients have joined and used Monzo’s services (Monzo). Such tendency establishes substantial competition for all players including high-street banks in the payments market.

In consequences, the main object of the paper is identification the advantages of digital bank and illumination capabilities to deploy analogous mobile bank in Kazakhstani real financial sector.
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Total votes 17: ↑14 and ↓3+11
Comments5

Factors of the Bitcoin’s value

Reading time8 min

Introduction


In the modern world, new technologies become important factors of the development of financial sphere of world economy. Emergency of such cryptocurrency as Bitcoin is connected with both great opportunities and certain risks for the users of this cryptocurrency. The aim of the present work is to determine the main factors which affect the price of Bitcoin.
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Total votes 11: ↑9 and ↓2+7
Comments1

Real-time Chat Solutions vs Chat Platforms — Make Your Choice

Reading time4 min
It’s More Than You Imagine…

The possibility of acquiring more profit through a chat app solution is gaining popularity than adopting to monthly plans based chat platforms


With the rise of instant conversation among the users, it's not surprising that the global mobile messaging app is estimated to reach around 2.1 billion active users by 2020. When the communication lies as the significant action in nature, then in fact the underlying tool “messaging application” also acquires the same importance. Thus, every chat platforms like WhatsApp demand a great market value according to the features and functionalities listed. Most of the business professionals and enterprises are urged to rely on subscription-based plans to avail such messaging platform.
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Total votes 22: ↑21 and ↓1+20
Comments0

The Overview of JavaScript Frameworks: Which One to Choose for Your Project?

Reading time4 min
Ten years ago, companies who wanted to create cross-platform projects would have to cooperate with different development teams and experts. However, 2009 has changed the game, because the developers from Nitobi (later purchased by Apache) presented Cordova – a fresh framework that was able to convert web applications into mobile systems. Linking the devices’ APIs via plugins, developers could access smartphones and tablets. Cordova is a JavaScript-based tech compatible with various platforms.

In this guide, we will review three more JS-driven systems, look at their unique features and compare them.
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Total votes 24: ↑24 and ↓0+24
Comments0

10 Tips for Being a Good Tech Lead

Reading time7 min
Leadership is not a service, it’s a skill. Professionals working as a software developer for a couple of years are given the chance to be a tech lead. However, remember that ‘with great power comes great responsibility.’

There are several things that you need to take care of while being a tech lead. Obviously, you don’t need to code as much as you need to do while being a software developer. However, there are several other non-coding related things that now are your responsibility to deal with.

10 Tips for Being a Good Tech Lead


Maintaining a tech lead position while not gaining any criticism from the team isn’t possible. This is not due to your incapacity albeit due to human nature. However, the effort can be made to minimize it and becoming better in what you do eventually. After all, you are the leader now.
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Total votes 19: ↑19 and ↓0+19
Comments2

Chemistry lesson: how to expose a microchip's crystal for photography

Reading time6 min

Introduction


If you have dabbled into microchip photographing before, then this article will probably not offer much to you. But if you want to get into it, but don’t know where to start, then it’s exactly for you.


Before we start, a fair warning: while the procedure is quite entertaining, at first it’ll probably be physically painful. The chemicals used during the process are toxic, so please handle them carefully – that way it’ll still hurt, but less so. Also, if you have even a slight amount of common sense, conduct the procedure in a fully-equipped chemical laboratory under supervision of trained professionals: we’ve had to deal with people who tried to do it at home immediately after reading the guide. And finally: if you don’t know whether you need to pour acid into water or water into acid without a Google search and don’t realize what this lack of knowledge will entail – stop reading this immediately and go to a chemistry 101 course in a local college or something.


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Total votes 25: ↑24 and ↓1+23
Comments0

Product manager’s mastery. Feature requests

Reading time2 min
It doesn’t matter if you’re an experienced product manager or took charge of a product recently you always be thinking about a large list of customers’ requests. What you should do first. How you should process them.

Feature prioritization is based on multiple principles. Basic are aligning to company vision, product strategy, and customer profile. For example, if you’re targeted to small businesses or home offices doing SAP integration request shouldn’t be in your first place.

But what share feature requests take in a product backlog? An answer like “it is full of customers' requests” isn’t correct. It seems strange but true.

If you’re not happy to read long texts the advice is “you should not give attention to customers' requests if your product is mature”.
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Total votes 15: ↑14 and ↓1+13
Comments0

Progress and hype in AI research

Reading time19 min

The biggest issue with AI is not that it is stupid but a lack of definition for intelligence and hence a lack of formal measure for it [1a] [1b].


Turing test is not a good measure because gorilla Koko [2a] and bonobo Kanzi [2b] wouldn't pass though they could solve more problems than many disabled human beings.


It is quite possible that people in the future might wonder why people back in 2019 thought that an agent trained to play a fixed game in a simulated environment such as Go had any intelligence [3a] [3b] [3c] [3d] [3e] [3f] [3g] [3h].


Intelligence is more about applying/transferring old knowledge to new tasks (playing Quake Arena good enough without any training after mastering Doom) than compressing agent's experience into heuristics to predict a game score and determining agent's action in a given game state to maximize final score (playing Quake Arena good enough after million games after mastering Doom) [4].


Human intelligence is about ability to adapt to the physical/social world, and playing Go is a particular adaptation performed by human intelligence, and developing an algorithm to learn to play Go is a more performant one, and developing a mathematical theory of Go might be even more performant.

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Total votes 24: ↑24 and ↓0+24
Comments3

A Practical Implementation of the Switching Generator Using Verilog HDL

Reading time10 min

Abstract


Linear feedback shift registers are an excellent tool for implementing a pseudo random bit generator in hardware; they inhibit a simple and efficient electronic structure. Further, they are capable of producing output sequences with large periods and good statistical properties. However, standard LFSRs are not cryptographically secure, since the output sequence can be uniquely predicted given a small number of key stream bits using Berlekamp-Massey algorithm. Several methods have been proposed to destroy the linearity inherent in LFSR design. These methods include nonlinear combination generators, nonlinear filter generators, and clock controlled generators. Nevertheless, they remain vulnerable to many attacks such as side channel attacks and algebraic attacks. In 2015, a new clocked controlled generator, called the switching generator, was proposed. This new generator has been proven to be resistant to algebraic attacks and side channel attacks, while preserving efficiency and security requirements. In this project, we present a design of the switching generator using Verilog HDL.
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Total votes 16: ↑12 and ↓4+8
Comments9

Real-time edge detection using FPGA

Reading time8 min

Introduction


Our project implements a real-time edge detection system based on capturing image frames from an OV7670 camera and streaming them to a VGA monitor after applying a grayscale filter and Sobel operator. Our design is built on a Cyclone IV FPGA board which enables us to optimize the performance using the powerful features of the low-level hardware and parallel computations which is important to meet the requirements of the real-time system.


We used ZEOWAA FPGA development board which is based on Cyclone IV (EP4CE6E22C8N). Also, we used Quartus Prime Lite Edition as a development environment and Verilog HDL as a programming language. In addition, we used the built-in VGA interface to drive the VGA monitor, and GPIO (General Pins for Input and Output) to connect the external hardware with our board.


ZEOWAA FPGA development board

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Total votes 54: ↑40 and ↓14+25
Comments46

Stack-based calculator on the Cyclone IV FPGA board

Reading time12 min

Introduction


As first-year students of Innopolis University, we had an opportunity to make our own project in computer architecture. University suggested us several projects and we have chosen to make a stack-based calculator with reverse polish notation. One of the requirements for the project is to use FPGA board provided by the university.



As our board, we have chosen Cyclon IV. Therefore, we had to write code on hardware description language. In the course we have studied Verilog, so we have chosen it. Also, the university has additional modules for FPGA, such as numpad, thus we decided to use it in our project.

In this article, we want to share our knowledge about FPGA and Verilog, also provide you with a tutorial to repeat our project.
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Total votes 74: ↑57 and ↓17+39
Comments27
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