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<ul><li>The company is looking to raise this debt through the Term Loan B (TLB) route, where several institutional investors may participate.</li><li>The company has reportedly appointed JP Morgan and Morgan Stanley as investment banks to structure the deal.</li><li><keyword id="3123019" type="General" weightage="20" keywordseo="byjus" source="Orion">Byju’s</keyword> may be looking to refill its treasury, after spending billions of dollars on acquisition in the last 18 months.</li></ul>The world’s highest valued edtech firm Byju’s is reportedly planning to raise $500 million or ₹3,700 crore in debt to acquire more businesses. The Bengaluru-based startup is looking to raise this debt through the Term Loan B (TLB) route, which is a term loan made by institutional investors whose primary goals are maximising the long-term total returns on their investments. Several institutional investors as well as hedge funds will reportedly be looking to invest in this opportunity. The company has also appointed JP Morgan and Morgan Stanley as investment banks to structure the deal, according to a Mint <a href="https://www.livemint.com/companies/start-ups/byjus-looks-to-raise-500-million-debt-11635186221353.html">report</a> citing sources. When Business Insider reached out for confirmation of the media report, Byju’s denied to comment on the report. Initial public offering (IPO)-bound OYO had raised <a href="https://www.businessinsider.in/business/startups/news/oyo-gets-660-million-relief-from-investors/articleshow/84471112.cms">$660 million</a> through the Term Loan B (TLB) route in July this year. Acquiring businesses is an expensive business The Mint report further highlighted that Byju’s is looking to refill its treasury after spending billions of dollars on acquisition in the last 18 months. The company had raised over $2 billion in the last two years, however the company has mostly spent that amount in acquiring new businesses across the globe. This includes rival Toppr, Singapore-based upskilling platform Great Learning, US-based coding platform Epic and more. The company had raised<a href="https://www.businessinsider.in/business/startups/news/byjus-has-raised-1-3-billion-this-year-to-so-far-in-pursuit-of-its-american-dream/articleshow/86745427.cms"> $1.3 billion in 2021</a> and $1 billion in 2020. <table style="border-width: initial; border-style: none;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Amount raised by Byju’s </td><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">Month/Year </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$200 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">January 2022 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$100 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">June 2020 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$122 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">August 2020 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$500 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">September 2020 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$460 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">March 2021 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$350 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">June 2021 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$50 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">June 2021 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$150 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">August 2021 </td></tr><tr><td style="border-left:solid #cccccc 0.8333325pt;border-right:solid #000000 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">$296 million </td><td style="border-left:solid #000000 0.8333325pt;border-right:solid #cccccc 0.8333325pt;border-bottom:solid #cccccc 0.8333325pt;border-top:solid #cccccc 0.8333325pt;vertical-align:bottom;padding:2pt 2pt 2pt 2pt;overflow:hidden;overflow-wrap:break-word;">September 2021 </td></tr></tbody><tbody></tbody></table> Byju’s also spent a billion dollars to acquire coaching center chain Aakash Institute — which has over 250 centers across India and is a profitable venture. This is the biggest acquisition carried out by an Indian edtech company. SEE ALSO <a href="https://www.businessinsider.in/business/news/ipo-bound-nykaa-plans-to-set-up-more-retail-stores-and-warehouse-for-ecommerce/articleshow/87274137.cms" data-type="tilCustomLink" style="">Nykaa plans to go ‘aggressive’ with its retail store network, a vertical that contributes less than 10% to its revenue</a> <a href="https://www.businessinsider.in/stock-market/news/tech-mahindra-irctc-tata-power-are-bucking-the-trend-in-volatile-market/slidelist/87271983.cms" style="">Tech Mahindra flies on strong revenue, Tata Power excites investors with EV push and IRCTC back on track after a lull week</a> <a href="https://www.businessinsider.in/cryptocurrency/news/elon-musks-tesla-may-be-ready-for-a-second-inning-in-cryptocurrency-payments/articleshow/87273227.cms" style="">Elon Musk’s Tesla may be ready for a second innings in cryptocurrency payments</a>

After raising $2 billion since 2020, Byju’s is now looking to raise another $500 million in debt to acquire more businesses

Equity benchmark <keyword id="6484188" type="General" weightage="100" keywordseo="sensex" source="Orion">Sensex</keyword> dropped over 150 points in early trade on Thursday, tracking losses in index majors <keyword id="6355199" type="General" weightage="80" keywordseo="reliance-industries" source="Orion">Reliance Industries</keyword>, HDFC Bank and ICICI Bank amid sustained foreign fund outflow. The 30-share Sensex was trading 178.60 points or 0.30 per cent lower at 59,234.67. Similarly, the <keyword id="6354813" type="General" weightage="20" keywordseo="Nifty" source="Orion">Nifty</keyword> declined 49.15 points or 0.28 per cent to 17,662.15. Reliance Industries was the top loser in the Sensex pack, shedding around 1 per cent, followed by <keyword id="66427" type="General" weightage="20" keywordseo="powergrid" source="Orion">PowerGrid</keyword>, Kotak Bank, Maruti, Bajaj Auto and Axis Bank. On the other hand, Dr Reddy's, <keyword id="6357147" type="General" weightage="20" keywordseo="tata-steel" source="Orion">Tata Steel</keyword>, L&amp;T, NTPC, Bharti Airtel and HUL were among the gainers. In the previous session, the 30-share index closed 254.33 points or 0.43 per cent lower at 59,413.27, and Nifty declined 37.30 points or 0.21 per cent to 17,711.30. Foreign institutional investors (FIIs) were net sellers in the capital market as they offloaded shares worth Rs 1,896.02 crore on Wednesday, as per exchange data. Elsewhere in Asia, bourses in Shanghai and Seoul were trading with gains, while Hong Kong and Tokyo in the red in mid-session deals. Meanwhile, international oil benchmark Brent crude fell 0.27 per cent to USD 77.88 per barrel. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/investment/news/cardano-is-no-longer-the-worlds-third-largest-cryptocurrency/articleshow/86633849.cms">Cardano is no longer the world’s third largest cryptocurrency</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/startups/news/vedantu-the-last-and-biggest-rival-of-byjus-has-finally-entered-the-unicorn-club/articleshow/86614637.cms">Vedantu, the last and biggest rival of Byju’s has finally entered the unicorn club</a>

Sensex down by 150 points; Nifty slips below 17,700 — Reliance Industries, PowerGrid, Kotak Bank, Maruti, Bajaj Auto and Axis Bank top losers

<ul><li><keyword id="2551143" type="General" weightage="20" keywordseo="Fidelity-Information-Services" source="Orion">Fidelity Information Services</keyword> (<keyword id="4776620" type="General" weightage="20" keywordseo="fis" source="Orion">FIS</keyword>) is looking to hire over 10,000 individuals in <keyword id="3658" type="General" weightage="80" keywordseo="india" source="Orion">India</keyword> over the next 12-months.</li><li>The successful applicants, it said, will be staffed across FIS offices in Mumbai, Bangalore, Chennai, Pune, Indore, Mohali, <keyword id="11900977" type="General" weightage="20" keywordseo="gurugram" source="Orion">Gurugram</keyword>.</li><li>FIS employs over 55,000 people in over 50 countries today. </li></ul>Florida-based fintech firm Fidelity Information Services (FIS), which provides technology solutions for merchants, banks and capital markets firms globally, is looking to hire over 10,000 individuals in India over the next 12-months to fill positions across various roles at all levels to fuel its future growth. The recruitment drive, it said, will focus on hiring people through campus placements at leading educational institutes in India. The successful applicants, it said, will be staffed across FIS offices in Mumbai, Bangalore, Chennai, Pune, Indore, Mohali, Gurugram. “India is a strategic centre of employment for FIS with nearly one-third of FIS colleagues living and working within the country’s borders,” the Fortune 500 company said in a press release on Thursday. Founded in 1968 as Systematics, FIS employs over 55,000 people in over 50 countries today. It offers more than 450 solutions and claims to process over $75 billion of transactions across the globe. Over the past 18 months, FIS has been encouraging a hybrid working model/flexi hours, which the company said, has helped it improve the work-life balance for its employees and made its workforce more productive. The company also said it promotes an inclusive work culture for people from all types of social backgrounds including the differently abled and queer communities. “FIS has had a presence in India for more than two decades, and this recruitment drive underscores our continued commitment to providing rewarding career opportunities for India’s top talent. We are creating new opportunities across the country which will help FIS continue to advance the way the world pays, banks and invests,” said <keyword id="10574609" type="General" weightage="20" keywordseo="amol-gupta" source="Orion">Amol Gupta</keyword>, chief human resources officer for India and Philippines at FIS. SEE ALSO: <a href="https://www.businessinsider.in/business/startups/news/meesho-raises-more-than-half-a-billion-dollars-in-the-fourth-biggest-funding-round-this-year/articleshow/86636161.cms">Meesho raises more than half a billion dollars in the fourth biggest funding round this year</a> <a href="https://www.businessinsider.in/business/startups/news/vedantu-the-last-and-biggest-rival-of-byjus-has-finally-entered-the-unicorn-club/articleshow/86614637.cms">Vedantu, the last and biggest rival of Byju’s, has finally entered the unicorn club</a> <a href="https://www.businessinsider.in/stock-market/news/tata-powers-stock-gains-on-transformation-towards-renewable-energy/articleshow/86640268.cms">Tata Power wants to break up with coal and investors love it</a>

American fintech firm FIS will hire over 10,000 people in India

<ul><li>The <keyword id="12733824" type="General" weightage="20" keywordseo="Samsung-Galaxy-M33-5G" source="Orion">Samsung Galaxy M33 5G</keyword> is the latest offering in the affordable Galaxy M series.</li><li>The device is part of the highly competitive sub-₹20,000 segment.</li><li>Here’s our review of the Galaxy M33 5G that will help you decide whether you should buy the device or not.</li></ul><keyword id="10591" type="General" weightage="100" keywordseo="samsung" source="Orion">Samsung</keyword> had launched the Galaxy M33 5G in India earlier this month, adding another option to its affordable Galaxy M series. The device is part of the highly competitive ₹20,000 segment and is packed with features. The Galaxy M33 5G comes with several upgrades over its predecessor, the Galaxy M32. The device is also future-proof as it comes with 5G support. The company has used its own Exynos 1280 chipset to power the device and like other Galaxy M series devices, the Galaxy M33 5G features a plastic body. I have been using the Galaxy M33 5G for a few weeks now and here is my review of the latest affordable offering from the Korean giant. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G price and availability" comment="subhead" text="Samsung Galaxy M33 5G price and availability"><keyword id="13471444" type="General" weightage="20" keywordseo="Samsung-Galaxy-M33-5G-price" source="Orion">Samsung Galaxy M33 5G price</keyword> and availability</cmsannotation> The <keyword id="173725" type="General" weightage="80" keywordseo="samsung-galaxy" source="Orion">Samsung Galaxy</keyword> M33 5G is priced at ₹17,999 for the 6GB RAM variant and ₹19,499 for the 8GB RAM variant. The device comes in Deep Ocean Blue and Mystique Green colour options and is available from Amazon India, Samsung online store and the company’s authorized retail stores across the country. As part of an introductory offer, users can claim an instant discount of ₹2,000 on the device by purchasing it using an ICICI Bank credit card or by purchasing the device on EMI. The Galaxy M33 5G competes with the likes of the <a href="https://www.businessinsider.in/tech/mobile/news/redmi-note-11-pro-5g-review-excellent-display-great-battery-life-but-slightly-pricey/articleshow/90533447.cms">Redmi Note 11 Pro+ 5G</a>, and the <a href="https://www.businessinsider.in/tech/mobile/news/realme-9-speed-edition-smartphone-review/articleshow/90145143.cms">Realme 9 Speed Edition</a>, among others. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G pros and cons" comment="subhead" text="Samsung Galaxy M33 5G pros and cons">Samsung Galaxy M33 5G pros and cons</cmsannotation> <cmsannotation type="cmsannotation" annotationid="Pros" comment="subhead2" text="Pros">Pros</cmsannotation> <ul><li>Battery life</li><li>120Hz refresh rate display</li><li>5G support</li><li>Dedicated SD card slot</li></ul><cmsannotation type="cmsannotation" annotationid="Cons" comment="subhead2" text="Cons">Cons</cmsannotation> <ul><li>TFT display</li><li>Charging time</li><li>No charging brick</li><li>Bulky</li></ul><cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G design" comment="subhead" text="Samsung Galaxy M33 5G design">Samsung Galaxy M33 5G design</cmsannotation> <div type="image" title="Back" msid="91076142" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G back.&amp;lt;/p&amp;gt;"></div> The <keyword id="13461790" type="General" weightage="20" keywordseo="Samsung-Galaxy-M33-5G-features" source="Orion">Samsung Galaxy M33 5G features</keyword> a similar design as other Galaxy M series devices. It comes with a plastic back with a glossy finish. The device comes in two colour options – Deep Ocean Blue and Mystique Green. We received the Mystique Green variant which looks elegant. You don’t have to worry about fingerprint smudges and there is no need to get a protective case. However, the weight is an issue as the device is 215 grams even without a case. This is one of the trade-offs of having a huge 6,000mAh battery. <div type="image" title="Bottom" msid="91076167" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G ports and speaker.&amp;lt;/p&amp;gt;"></div> At the bottom, the device comes with a 3.5mm audio jack, USB Type-C port, a microphone and a speaker. <div type="image" title="Fingerprint sensor" msid="91076176" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G volume rockers and power button.&amp;lt;/p&amp;gt;"></div> On the right side, the device sports the volume rockers and the power button, which doubles up as a fingerprint sensor. The power button offers a good tactile feel and the fingerprint sensor is responsive. <div type="image" title="SIM tray" msid="91076258" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G SIM tray + microSD card slot.&amp;lt;/p&amp;gt;"></div> On the left side, the device features the SIM tray. It supports dual nano SIMs and features a dedicated microSD card slot that allows you to expand the storage up to 1TB. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G software and bloatware" comment="subhead" text="Samsung Galaxy M33 5G software and bloatware">Samsung Galaxy M33 5G software and bloatware</cmsannotation> The Galaxy M33 5G runs on Android 12 with the company’s OneUI 4.1 on top. The user interface is easy to understand and offers a clutter-free experience. <div type="image" title="Apps" msid="91076441" hostid="261" caption="&amp;lt;p&amp;gt;Pre-installed apps on the Galaxy M33 5G.&amp;lt;/p&amp;gt;"></div> In addition to Samsung’s suite of apps, the device also comes with other apps such as Netflix, Facebook, Snapchat and Truecaller. It also comes with bloatware such as Moj, Josh, ShareChat and BYJU’s. However, these apps can be easily uninstalled. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G display" comment="subhead" text="Samsung Galaxy M33 5G display">Samsung Galaxy M33 5G display</cmsannotation> <div type="image" title="Display" msid="91076097" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G display.&amp;lt;/p&amp;gt;"></div> The Samsung Galaxy M33 5G features a 6.6-inch Full HD+ LCD display with a 120Hz refresh rate and Corning Gorilla Glass 5 protection. The device comes with a water-drop notch for the selfie camera. Samsung has used a TFT display instead of an AMOLED display to bring down the costs. The device’s primary rival, the Redmi Note 11 Pro+ on the other hand offers an AMOLED display. While the TFT display is not as bright or energy efficient as an AMOLED display, it offers vivid colors and offers excellent color reproduction. The LCD panel offered by Samsung is much better compared to other LCD displays offered in the price segment. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G performance and battery life" comment="subhead" text="Samsung Galaxy M33 5G performance and battery life">Samsung Galaxy M33 5G performance and battery life</cmsannotation> The Samsung Galaxy M33 5G is powered by the company’s Exynos 1280 chipset coupled with up to 8GB RAM and 128GB of internal storage. We found the device performs well in day-to-day tasks but there are occasional stutters while launching an app or performing heavy tasks. The device performed well while playing games such as Battlegrounds Mobile India or Call of Duty Mobile. While the device performed well, we did notice the occasional lag. Coming to the battery, the device is powered by a huge 6,000mAh battery and offers 25W charging support. The device takes around 100 minutes to be fully charged and in regular usage with over an hour of calling, light gaming and video streaming, the phone offered almost one and a half day of battery life. The battery life is easily one of the highlights of the device and also supports reverse charging, allowing you to charge your other devices with the phone. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M33 5G camera" comment="subhead" text="Samsung Galaxy M33 5G camera">Samsung Galaxy M33 5G camera</cmsannotation> <div type="image" title="Camera" msid="91075908" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G rear camera.&amp;lt;/p&amp;gt;"></div> The Samsung Galaxy M53 5G features a triple camera setup at the back consisting of a 50MP primary camera, a 5MP ultra-wide-angle sensor, a 2MP depth sensor and a 2MP macro sensor. <div type="image" title="Morning" msid="91076685" hostid="261" caption="&amp;lt;p&amp;gt;Image captured in daylight conditions.&amp;lt;/p&amp;gt;"></div> In my testing, I found the Galaxy M33’s camera performs decently during daylight conditions and is able to quickly focus. The low light pictures were decent but not as good as the daylight pictures as sometimes the images looked washed-out. <div type="image" title="20220422_204609" msid="91076779" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy M33 5G image captured in indoor lighting.&amp;lt;/p&amp;gt;"></div> The portrait-mode images turned out well and there was good edge detection. <div type="image" title="Low-light" msid="91076559" hostid="261" caption="&amp;lt;p&amp;gt;Image captured in low-light conditions.&amp;lt;/p&amp;gt;"></div> The phone struggles a bit when it comes to low light conditions. The details were a little blurry but it offers good performance in this segment. <div type="image" title="0.5x 1X 2X" msid="91076812" hostid="261" caption="&amp;lt;p&amp;gt;Image captured in 0.5X, 1X and 2X.&amp;lt;/p&amp;gt;"></div> On the front, the device sports an 8MP selfie camera. The selfies captured in daylight turned out good. The images turned out a little noisy in low light conditions. <cmsannotation type="cmsannotation" annotationid="Wrapping up" comment="subhead" text="Wrapping up">Wrapping up</cmsannotation> The Samsung Galaxy M33 5G is a good device for people looking for an affordable phone that offers a long battery life and runs smoothly with normal usage. However, the device is placed in the highly competitive ₹20,000 price segment and if you are looking for a more powerful device, the Redmi Note 11 Pro+ 5G might be a better option. The main drawbacks of the device are the plastic back, TFT display and slow charging. The main strengths of the device include the battery life, Samsung’s good after-sales and software update guarantee topped with decent performance. SEE ALSO: <a href="https://www.businessinsider.in/tech/mobile/news/redmi-note-11-pro-5g-review-excellent-display-great-battery-life-but-slightly-pricey/articleshow/90533447.cms">Redmi Note 11 Pro+ 5G review – excellent display, great battery life but slightly pricey</a> <a href="https://www.businessinsider.in/tech/mobile/news/best-smartphones-under-40000-in-india/slidelist/90912275.cms">Best phones under ₹40,000 in India</a> <a href="https://www.businessinsider.in/tech/mobile/news/realme-9-5g-mobile-vs-realme-9-pro-5g-mobile-specs-price-and-features-compared/slidelist/90722748.cms">Realme 9 5G vs Realme 9 Pro 5G – specs, price and features compared</a>

Samsung Galaxy M33 5G review – dependable device with an all-day battery

<ul><li>Starting October, users will need to re-authenticate their net banking/card/unified <keyword id="6359540" type="General" weightage="20" keywordseo="payments" source="Orion">payments</keyword> interface (UPI) details as per the new format, and validate it with a one-time password, to continue their <keyword id="7567986" type="General" weightage="20" keywordseo="auto-debit" source="Orion">auto-debit</keyword> transactions.</li><li>The development comes as <keyword id="30067" type="General" weightage="20" keywordseo="rbi" source="Orion">RBI</keyword> introduced an additional factor of authentication for all <keyword id="8009153" type="General" weightage="20" keywordseo="recurring-transactions" source="Orion">recurring transactions</keyword> in August 2019.</li><li>Even as the RBI’s new guidelines help make payments more secure for customers, there are likely to be short-term challenges as banks will see a sudden rise in authenticating e-mandates.</li></ul> As the Reserve Bank of India’s (RBI) guidelines for auto-debit transactions kick-in from October 1, those having online subscriptions, or other recurring payments such as phone bills, utility bills and rent are likely to face short-term pain as the banking regulator looks to impose <keyword id="1592017" type="General" weightage="20" keywordseo="two-factor-authentication" source="Orion">two-factor authentication</keyword> on all such transactions. <cmsannotation type="cmsannotation" annotationid="Here’s what will change" comment="subhead" text="Here’s what will change">Here’s what will change</cmsannotation> Starting October, users will need to re-authenticate their net banking/card/unified payments interface (UPI) details as per the new format, and validate it with a one-time password, on all such platforms to continue their auto-debit transactions below ₹5,000. Whereas all transactions above ₹5,000 will require a further additional link for authentication, as they are not eligible for e-mandate-based recurring transactions. <cmsannotation type="cmsannotation" annotationid="Why the change?" comment="subhead" text="Why the change?">Why the change?</cmsannotation> The development comes as RBI introduced an additional factor of authentication for all recurring transactions in August 2019. The <a href="https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11668">guidelines </a>require users to opt for an e-mandate facility through a one-time registration process, which can only be successful once the user validates using an OTP, besides entering their bank/card/UPI details. Users will also get an option to pause, modify or cancel their recurring transactions. <cmsannotation type="cmsannotation" annotationid="How will it work?" comment="subhead" text="How will it work?">How will it work?</cmsannotation> An e-mandate is a standing instruction initiated by the RBI and the National Payments Corporation of India (NPCI) that allows businesses to collect recurring payments of up to ₹5,000. These mandates can be directly set up through a net banking transaction from merchant websites. For example, if a user is signing up for a <keyword id="128682" type="General" weightage="20" keywordseo="netflix" source="Orion">Netflix</keyword> subscription via an e-mandate, he or she can schedule all monthly payments through a one-time authentication. <div type="image" title="From Oct, what will change" msid="86655011" hostid="261"></div> <cmsannotation type="cmsannotation" annotationid="What experts say?" comment="subhead" text="What experts say?">What experts say?</cmsannotation> What this essentially means is that one will have to re-authenticate all their subscriptions and recurring payments once again starting October, without which the payment to the merchant (say, Netflix) will fail, said Mandar Kagade, founder and principal at Black Dot Public Policy Advisors. “The onus of re-authentication and grievance redressal falls on issuing banks, which would need to have their systems prepared as customers may see failed payments or issues with authentication via OTPs. Since so many e-mandates would need to be set up on the same day, it is likely that we will see a non-trivial number of failures,” he said. Even as the RBI’s new guidelines help make payments more secure for customers, there are likely to be short-term challenges as banks will see a sudden rise in authenticating e-mandates, said Srinath Sridharan, member of governance council at Fintech Association for Consumer Empowerment (FACE). “October is going to be a critical month because there will be multi-fold challenges in processing such payments, starting from the tremendous pressure on bank servers due to spike in bulk OTP messages, which would need to be sent to consumers for setting up their e-mandates, to addressing disputes emanating from failures in such authentication,” he said. Further, banks will increasingly need to depend on fintech companies to help them handle such large volumes of e-mandates that will come through October, he said. “Most banks will have to depend on fintech companies to make this processing possible, which are much better equipped to assist banks in processing e-mandates for recurring transactions,” he said. <cmsannotation type="cmsannotation" annotationid="If not manually, how else can I set up e-mandates for all my recurring payments?" comment="subhead" text="If not manually, how else can I set up e-mandates for all my recurring payments?">If not manually, how else can I set up e-mandates for all my recurring payments?</cmsannotation> Customers who do not want to make all their recurring payments manually can either set up auto-pay using the net banking facility, or do it through online <keyword id="6420963" type="General" weightage="20" keywordseo="bill-payment" source="Orion">bill payment</keyword> companies. Fintech companies such as BillDesk, Citibank’s Billpay, ICICI Bank’s Mandate Hub and Yes Bank’s PayNow allow users to set up auto-pay e-mandates, while others such as PayU's Zion and Razorpay’s Mandate HQ enable banks to automate recurring transactions. <cmsannotation type="cmsannotation" annotationid="More pain for banks and telecom operators" comment="subhead" text="More pain for banks and telecom operators">More pain for banks and telecom operators</cmsannotation> “The usual retail consumer traffic increases over the weekend, which means every time a customer tries to re-authenticate their recurring payment, the bank will have to send out OTPs, and those banks that are not well-equipped or have not adequately invested in integrating their servers, will face a lot of challenges,” said Sridharan. In March, the Telecom Regulatory Authority of India (TRAI) had to roll back its norms on commercial text messages, which required ‘scrubbing’ of text messages by telecom providers, to protect customers from spams. However, once implemented, many customers took to social media to complain about not receiving OTPs for transactional messages such as for banking and e-commerce. “As each of these banks start pushing out bulk messages, the traffic from bank servers to authenticate transactions will suddenly increase. Hopefully, the user banks are ready with technology preparedness and SoPs (standard operating procedures) for this. And more importantly, all industry stakeholders should be geared to address consumer concerns, and to ensure that the customer call centres and other touch points are ready for handling both queries and speedy redressal of grievances,” said Sridharan. 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