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<ul><li><keyword id="252164" type="PERSON" weightage="20" keywordseo="Guru-Prasad">Guru Prasad</keyword> launched a new keyboard named <keyword id="6683181" type="UNKNOWN" weightage="20" keywordseo="Ka-Naada">Ka-Naada</keyword> which supports several languages based on the Brahmi Lipi and groups letters according to phonetics. </li><li>The keyboard also has more keys on it than the Qwerty keyboard, including some ancient alphabets from Indian languages that has been lost in time. </li><li>Prasad believes that the digital world may keep the Indian languages from dying if children can use the keyboard to learn and take forward the languages.</li></ul> In April, Guru Prasad launched a new keyboard named <a href="https://ka-naada.com/">Ka-Naada</a> which supports several languages based on the Brahmi Lipi. It is a unique product that groups letters according to phonetics which makes it highly intuitive and user friendly. It is available in both, hardware and software and it is entirely made in <keyword id="3658" type="COUNTRY" weightage="20" keywordseo="India">India</keyword>. It is available in two colours, black and blue, and will cost about ₹1,900, if you pre order it. The keyboard is compatible with all the devices and is available in multiple languages including Devanagari, Kannada, Gujarati, Gurumukhi, Malayalam, Tulu and Oriya. Once the user knows any one of these languages, the keyboard allows the user to type in their mother tongue and has the ability to change the typed alphabets into about seven Indian languages by just using a switch on the keyboard. It will soon be available in Brahmi-based foreign languages too, including Malay, Sinhalese, and Nepalese. “My mother tongue is Tulu. That script got lost in 1840, within 20 years of its origin, due to the introduction of Kannada typeset. I was able to revive it from the palm scripts and now, I have made a keyboard in my mother tongue,” Prasad told Business Insider. Prasad has been working on this keyboard since 2009. “My everything, I left behind,” he said. “It was in December when I thought - what am I doing?! None of the marketing agencies took our product because it was too big, with too many languages,” he added. Prasad earlier had plans of making a square keyboard that could be used with a single hand, since he believed it was more beneficial. However, since people are not used to it, he changed his keyboard accordingly. 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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 The placing of alphabets on the desi keyboard was done by Dr Sastry based on phonetics. Sastry was a linguistic teacher at the Hindu University of America where Prasad was volunteering. They both observed how difficult it is for Indian students in USA to learn their native languages and they tried to understand why it was so. When they saw that it was the Qwerty keyboard that was making them learn their own language through English, they decided to make a desi version. Sastry developed nine combinations of swara-vyanjanas based on how they are spoken and strategically placed them on the keyboard. “The Qwerty keyboard is spelling based but ours is pronunciation based, which makes it even more suitable to the Indian languages,” Sastry told Business Insider. “I have been working on it since 2004. I am stressing on the fact that we do not need the English language to type our own languages on a keyboard,” Sastry added. The keyboard also has some ancient alphabets from Indian languages that are not used anymore and have been lost in time. The English language has about half the alphabets that Indian languages have. Therefore, this desi keyboard also has more keys on it. KaNaada has received funding from several associations like Kannada Praadhikaara and Government of Karnataka, Small and Medium Enterprises (MSME), Centre of Excellence, IISc. They received their US patent in 2017 and are hoping to get the Indian one soon. The keyboard was first introduced to the Indian children in a Kannada class in the US. When Prasad felt confident about how comfortable the students were with it, he then introduced it in India. While children get really comfortable with it, adults find it difficult since they are used to the qwerty keyboard. Prasad is planning to create another keyboard which is ergonomically similar. He is also planning to design his product in such manner that the same keyboard can also be used by the visually impaired. “The visually impaired do not want to be treated differently. They don’t like it,” he pointed out. And to make things work faster, Prasad has a team in place in his Kanaada Phonetics Private Limited, which is not even one year old yet. Prasad believes that “the digital world might be the key to enable our languages and also co-exist with English and others” and this may happen if the children can use this keyboard to learn and take forward the languages. Prasad’s team has been able to install the keyboard along with computers in many rural schools. Some of the schools where his team got to work at had never even seen a computer before. A lot of volunteers from NGOs and students from overseas, working under the Youth Ambassador programme, helped Prasad and his team put things in place for a project that they believe will help Indian children connect with their counterparts from across the world. “The project was completed exactly a year after I came to India. And my favourite part is that my father, who passed away three months ago, wanted it installed in schools and we managed to do what he wanted,” Prasad said.

This keyboard is meant specifically for Indian languages

<ul><li>India’s central bank has increased the key <keyword id="43352" type="General" weightage="20" keywordseo="repo-rate" source="Orion">repo rate</keyword> to 5.4%, which will make EMIs for home and other loans more expensive.</li><li>This is the third such hike carried out by India’s central bank in the last four months.</li><li>The industry also seemed to be bumped with the timing of this increase as home sales in India had just recovered from Covid blues.</li></ul><keyword id="6354730" type="General" weightage="20" keywordseo="home-loan" source="Orion">Home loan</keyword> EMIs are all set to rise once again as the Reserve Bank of India (RBI) increased the key repo rate to 5.4% to tame the inflation rate in the country. The RBI governor Shaktikanta Das announced this increase of 50 basis points (bps) on Friday morning. The rate hike will eat into household budgets as <keyword id="35519" type="General" weightage="20" keywordseo="home-loans" source="Orion">home loans</keyword>, car loans get costlier. This is the third such hike carried out by India’s central bank in the last four months and it will increase the borrowing costs for both corporates as well as individuals. “A rate hike was expected, but the expectation was for a maximum of 35 bps. The hike by 50 bps is definitely on the higher side, and home loan lending rates will now edge further into the red zone,” Anuj Puri, the chairperson of property consultancy firm Anarock group, said. Kalpesh Dave, head of corporate planning and Strategy at Star HFL, advised the existing borrowers to engage with lenders to see if they can maintain their EMIs through increase in balance tenor for floating rate loans. Consumers can also think of switching to fixed rate loans after a careful cost-benefit analysis, he suggested. <cmsannotation type="cmsannotation" annotationid="End of low interest rate regime" comment="subhead" text="End of low interest rate regime">End of low interest rate regime</cmsannotation> Puri noted that the announcement marks the end of the all-time best low interest rate regime, which drove housing sales across the country since the pandemic. The interest rates — along with swollen primary raw materials costs of cement, steel, labour — will increase the property rates. Real estate company CREDAI’s president Harsh Vardhan Patodia noted that these factors would immediately impact home buying, though only for a short-term. The impact may last till the festive season of Diwali as well, multiple experts have pointed out. However, Raman Sastri, the chairperson and MD of Sterling Developers, emphasized that there is still hope from pent up demand from a very large population and first-time home buyers <cmsannotation type="cmsannotation" annotationid="The timing couldn’t have been worse" comment="subhead" text="The timing couldn’t have been worse">The timing couldn’t have been worse</cmsannotation> The Indian real estate market is also unhappy about the timing of this rate hike, as the housing sales were just beginning to show signs of recovery. The sale of residential property in the first half of 2022 was the highest in over a decade. According to data shared by Anarock Research, roughly 1.85 lakh units were sold across top seven cities between January to June 2021. “The inflationary pressures and the resultant change in RBI’s earlier dovish policy stance couldn’t have come at a more inopportune time for the sector. However, we believe that the long-term prospects look healthy given that macro-economic dynamics will moderate to a more favourable one as growth remains intact and global headwinds ease up,” Dr Samantak Das, chief economist and head of research at Real Estate Intelligence Service (REIS) India, said. SEE ALSO <a href="https://www.businessinsider.in/personal-finance/now-nris-can-pay-parents-utility-bills-and-childrens-school-fees-in-india/articleshow/93368504.cms" style="">Now, NRIs can pay parents' utility bills and children's school fees in India</a> <a class="tout-title-link" href="https://www.businessinsider.in/finance/news/shaktis-gati-on-interest-rate-hike-to-continue/articleshow/93366502.cms" style="">Shakti’s Gati on interest rate hikes to continue</a> <a href="https://www.businessinsider.in/business/corporates/news/telecom-and-consulting-sectors-sees-the-highest-rate-of-return-to-office-it-witnesses-the-least/articleshow/93342089.cms" style="">Telcos, consultancies bring employees back to offices even as techies stay home</a>

It’s time to shift to fixed home loan rates, say experts after third rate hike in 4 months

<ul class="summary-list"><li><keyword id="6355629" type="DEFINITION" weightage="60" keywordseo="google">Google</keyword> made a big announcement this week, saying it will stop tracking individuals round the web.</li><li>Insider spoke to <keyword id="6355135" type="UNKNOWN" weightage="60" keywordseo="Privacy">privacy</keyword> experts who said the move falls short of fully protecting privacy.</li><li>Experts also said it could be a cynical business ploy by Google to get good PR and cement its ad dominance.</li></ul>Google made a big announcement on Wednesday - it's <a href="https://www.businessinsider.com/google-to-stop-tracking-individuals-web-browsing-precision-ad-targeting-2021-3">going to stop following people round the web</a>. Sort of.The tech giant said in a blog post that it will be moving away from technologies that track individual people round the web.This followed a similarly privacy-minded announcement in January, when Google promised to <a href="https://www.businessinsider.com/google-chrome-controls-advertisers-change-targeting-strategies-2019-5?r=ah-sub">phase out third-party cookies</a> - which also help advertisers target people with ads - by 2022."Today, we're making explicit that once third-party cookies are phased out, we will not build alternate identifiers to track individuals as they browse across the web, nor will we use them in our products," Google director David Temkin wrote in the blog post. In its blog Google touted a new ad system that gives individuals anonymity online by grouping them together with people who share similar interests, called Federated Learning of Cohorts (FLoC).FLoC is part collection of proposed new <keyword id="35666" type="COMPANY" weightage="60" keywordseo="advertising">advertising</keyword> tools that Google has bundled together in what it calls its "Privacy Sandbox."For advertisers that means that while their ads won't be targeted at specific individuals, they'll be able to target broad sets of people with specific interests.On the face of it, this is a big deal. Most internet users know that the way Google makes money is by tracking much of what you do online, then using that information to target ads at you, often to creepy effect.But six experts Insider spoke to voiced varying levels of skepticism over how much the changes will actually protect people's privacy online.Some even viewed it as a clever ploy by Google to further entrench its advertising empire.<h2>A PR move that could simultaneously make Google more dominant</h2>Many of the experts Insider spoke to felt the announcement was a way for Google to try and placate users who no longer trust Big Tech companies with their data."My feeling is that Google understands that the writing is on the wall for third-party tracking - the public is becoming more critical of targeted advertising - so it's smart to announce a phaseout," said Dr. Nakeema Stefflbauer, a tech policy consultant and expert.In Google's blog post it cited a Pew Research poll that said 72% people feel that almost all of what they do online is being tracked by advertisers."It's difficult not to conclude that, bearing in mind Google's business model is based around using users data, that Google have seen the polls and realized users are losing faith in them, and so this move may be enough to assuage that loss of confidence," said Professor Alan Woodward, a computer scientist at the University of Surrey.The benefits of shifting to FLoC go beyond good PR - some experts believe its a tactical ploy to further cement Google's dominance in the <keyword id="155791" type="PERSON" weightage="60" keywordseo="digital-ads">digital ads</keyword> market."Google will come off as being progressive and ahead of privacy regulations to governments, and to advertisers, it is a call to jump ship from other networks to Google's own alternative framework [FLoC]," said Prof. Sastry.Eliot Bendinelli, a researcher at Privacy International, thinks that by cementing its advertising dominance Google could pose a bigger privacy threat to users further down the road."Google is using raising privacy concerns and increased regulatory attention as marketing arguments to justify changes that might reinforce its dominant position. The reality is that with the Privacy Sandbox, Google is developing and forcing onto users and competitors a new set of tools that strengthen its dominant position on the market," said Bendinelli.Prof. Sastry also said that Google's control of Chrome could give it a "stranglehold over internet advertising."This is because the change will mean third-parties - like Facebook and companies that sell digital ads who aren't Google - won't be able to track people round the web using cookies.Google however will still have lots of data about people it can glean directly and use to track them because of its suite of first-party products, like Gmail and Google Maps.Bendinelli added that the wealth of data Google gleans from its first-party apps means it won't be out in the cold when it comes to user data."Google is in an absolutely dominant position here given the prominence of its services like Gmail, Youtube or Google Maps. This change won't affect the advertising giant in the same way it will affects its competitors given that millions of users are logged in a Google account when using these services, allowing Google to track and target them at its will," he said.<h2>Google is shifting from targeting individuals to profiling large sets of people - which comes with its own dangers</h2>In its blog, Google FLoC is good for privacy because it can "hide individuals within large crowds of people with common interests."But although Google is holding FLoC up as a way to make itself look privacy-conscious, it could lead the company into another PR nightmare surrounding AI ethics.Dr. Kutoma Wakunuma of DeMontfort University said one of the disadvantages of technology like FLoC is it can encourage "social sorting," i.e. breaking people down into groups like race, gender and ethnicity likes and dislikes. She said this can open up a "whole host of other challenges.""The thing to focus on is not the 'hiding' but 'the crowd' - it takes a lot of machine learning to make these cohorts accurate as groups of 'people like you,'" Professor Eerke Boiten of DeMontfort University told Insider."In that context, it is relevant that Google has just got rid of some of their key people who were working to keep machine learning honest and fair," he said, referencing Google's firing of <a href="https://www.businessinsider.com/timnit-gebru-google-firing-ai-researcher-employee-rebellion-jeff-dean-2020-12"> AI ethics researcher Dr. Timnit Gebru</a> in December, a move that sparked an intense internal and industry backlash. In February it <a href="https://www.businessinsider.com/google-fires-ai-ethics-researcher-margaret-mitchell-2021-2">fired a second AI ethicist, Margaret Mitchell</a>.<h2>It will help strengthen privacy, but it's too little too late</h2>Professor Nishanth Sastry, who specializes in tracking technologies online at the University of Surrey, said new technologies other than cookies have emerged for tracking people, used by other big firms like Facebook."Even if Google does not offer alternate ways of tracking users through its products, it will do little to prevent Facebook pixels," he said.Dr. Wakunuma said while the announcement was welcome, Google needs to do more to protect user data. She added that Google is already behind the curve when it comes to blocking cookies."Google in a sense is merely playing catch-up with likes of Safari and Firefox browsers which have long since stopped using third party cookies," she said.

Google says it won't stalk you across the web with cookies. Experts think it's a clever ploy to consolidate its ads empire.

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This keyboard is meant specifically for Indian languages

Khyati Sanger

It’s time to shift to fixed home loan rates, say experts after third rate hike in 4 months

Kritti Bhalla

Google says it won't stalk you across the web with cookies. Experts think it's a clever ploy to consolidate its ads empire.

Isobel Asher Hamilton

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