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<ul><li>India is the second fastest growing digital economy according to McKinsey, a management consulting company that analyses decisions in the public and private sector. </li><li>Digitisation of the Indian economy could result in a $435 billion contribution towards the country’s GDP. </li><li>That opportunity is dependent on reskilling the workforce, digital adoption of private companies and the policies implemented by the government.</li></ul>India is digitising faster than all other countries except one — and it’s not China. Between 2014 and 2017, India has grown 90% in terms of digitisation, second only to Indonesia, which showed a growth of 99%. In absolute terms, India is still behind most developed nations like South Korea, Sweden and the UK, but its digitisation growth rate creates a $435 billion opportunity by 2025, said a McKinsey’s <keyword id="1929810" type="PERSON" weightage="20" keywordseo="Digital-India">Digital India</keyword> report. With that growth, come 65 million in jobs. But since the nature of work is going to change because of digitisation, a lot of employment opportunities will require new skills. McKinsey estimates that nearly 45 million workers will need retraining and redeployment. The primary reasons for this is that there will be a need for digital literacy across the board and future jobs will require workers to be more skill intensive. So, it’s not just about the new job market but also about transforming the education system to create effective training programs at the most basic of levels so that the upcoming generation is equipped to fully take advantage of these opportunities. McKinsey estimates that India’s jobs and skills sector is estimated to grow to $70 billion by 2025, second only to financial services. And the education sector is estimated to grow to $50 billion. 
	
	
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 However, that growth could slow down due to ineffective government policies and low private sector participation. 
 
 
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 So far, both the public and private sectors have been an impetus to growth of digital consumption. Telecom operators have brought in cheaper data plans and government’s <keyword id="144117" type="ORGANIZATION" weightage="20" keywordseo="AADHAAR">Aadhaar</keyword> biometric digital identity programme enrolled nearly 1.2 billion citizens. The firms have gone down the road of digitisation are pulling ahead of their peers at a faster rate. 
 
 
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 But, according to the <keyword id="496755" type="PERSON" weightage="20" keywordseo="McKinsey-report">McKinsey report</keyword>, digitisation in private sector, while rapid, is largely uneven. 
 
 
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 It’s not about the size of the business since large firms are ahead of the curve by employing technology at scale, like research into emerging technologies, and small businesses are more accepting of digital payments. It’s more about the level of digital strategy, organisation and capability of individual firms. Unlocking the digital potential of India’s economy is going to require widespread adoption and implementation. From supply chains to shop floors, McKinsey estimates that the economic value created will be proportional to the extent to which digitisation takes place. Currently, only 40% of India’s population has access to the Internet and 90% still uses cash as their primary mode of conduction financial transactions. Even when it comes to shopping, only 5% of transactions are conducted online. See also: <a href="https://www.businessinsider.in/data-protection-for-indian-businesses-inadequate/articleshow/68613117.cms">Indian companies know how to sell data but not how to protect it</a> <a href="https://www.businessinsider.in/big-data-and-analytics-may-be-the-hottest-sector-but-india-has-a-serious-dearth-of-data-scientists/articleshow/66860305.cms">Big data and analytics may be the hottest sector, but India has a serious dearth of data scientists</a> <a href="https://www.businessinsider.in/indian-corporates-are-not-prepared-to-take-on-cyber-attacks-report/articleshow/68041682.cms">A majority of Indian corporates are unprepared for cyber security challenges: Report</a>

India is digitising fast but the pace is leaving many behind

The move will help <keyword id="790242" type="General" weightage="20" keywordseo="WhatsApp" source="Orion">WhatsApp</keyword> users on <keyword id="6355645" type="General" weightage="100" keywordseo="android" source="Orion">Android</keyword> bid goodbye to insecure and even annoying two-factor SMS authentication. "Android users can easily and securely log back in with <keyword id="14636884" type="General" weightage="20" keywordseo="passkeys" source="Orion">passkeys</keyword>. Only your face, finger print, or pin unlocks your WhatsApp account," the company posted on X (formerly Twitter) late on Monday. Passkeys were previously being tested by WhatsApp in its beta channel, but it's now coming to regular users. There is still no information on support for <keyword id="18858793" type="General" weightage="20" keywordseo="WhatsApp-passkeys" source="Orion">WhatsApp passkeys</keyword> on iPhones. Android support will roll out over the coming weeks and months, according to the company. Passkeys can replace traditional passwords with your device's own authentication methods. Apple and <keyword id="6355629" type="General" weightage="80" keywordseo="google" source="Orion">Google</keyword> already support passkeys for their users. Google last week prompted users to shun passwords on their accounts in favour of passkeys. To use passkeys, you just use a fingerprint, face scan or pin to unlock your device, and they are 40 per cent faster than passwords, and rely on a type of cryptography that makes them more secure. "But while they're a big step forward, we know that new technologies take time to catch on, so passwords may be around for a little while," Google had said in a statement. Google earlier this year rolled out support for passkeys, a simpler and more secure way to sign into your accounts online, and received positive feedback. SEE ALSO: <a href="https://www.businessinsider.in/india/news/explained-how-to-lock-and-unlock-your-aadhaar-biometrics-to-prevent-frauds/articleshow/104462114.cms">Explained: How to lock and unlock your Aadhaar biometrics to prevent frauds</a> <a href="https://www.businessinsider.in/tech/news/passkeys-may-soon-replace-passwords-everything-you-need-to-know/articleshow/104361209.cms">Passkeys may soon replace passwords - everything you need to know</a> <a href="https://www.businessinsider.in/tech/mobile/news/oneplus-open-foldable-phone-to-launch-in-india-soon-everything-we-know-so-far/articleshow/104338437.cms">OnePlus Open foldable phone to launch in India soon – everything we know so far</a>

WhatsApp rolls out passwordless logins with passkeys on Android

<ul><li>With a ninth consecutive quarter decline, Q3 shipments have reached a decade low.</li><li>Analysts expect shipments to bounce back in Q4 amid the festive season.</li><li>Apple’s Q3 2023 shipments declined 9% year-on-year; Samsung continues to lead.</li></ul> The <keyword id="2033820" type="General" weightage="20" keywordseo="global-smartphone-shipments" source="Orion">global smartphone shipments</keyword> declined by 8% in Q3 2023, a ninth consecutive quarter decline to reach the lowest Q3 levels in a decade. The decline has been attributed to subdued demand for brands like Samsung and Apple. According to a report by Counterpoint Research, Q3 2023 has reported an 8% decline year-on-year. At the same time, a 2% quarter-on-quarter growth is being seen as a positive sign for the upcoming quarter. “Following a strong September, we expect the momentum to continue till the year-end, beginning with the full impact of the<a href="https://www.businessinsider.in/tech/mobile/news/iphone-15-pro-pro-max-can-record-3d-videos-that-can-be-viewed-on-vision-pro-in-a-magical-way/articleshow/103616220.cms"> iPhone 15</a> series along with the arrival of the festive season in India, followed by the 11.11 sales event in China and ending with the Christmas and end-of-year promotions across regions,” said Counterpoint Research in its report. <cmsannotation type="cmsannotation" annotationid="Samsung declines but continues to lead" comment="subhead" text="Samsung declines but continues to lead">Samsung declines but continues to lead</cmsannotation> South Korean smartphone maker Samsung reported a 13% decline in market share in Q3 2023, with its overall market share declining to 20%, down from 21% in Q3 2022. According to Counterpoint, while the company’s Galaxy A series continued to perform well, its foldables, the<a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-z-fold-5-review-price-and-features/articleshow/103760937.cms"> Galaxy Z Fold 5</a> and the<a href="https://www.businessinsider.in/tech/mobile/news/samsung-launches-galaxy-z-fold-5-and-galaxy-z-flip-5-foldable-smartphones/articleshow/102140759.cms"> Galaxy Z Flip 5</a> received a mixed response. <cmsannotation type="cmsannotation" annotationid="Apple declines amid iPhone 15 availability issues" comment="subhead" text="Apple declines amid iPhone 15 availability issues">Apple declines amid iPhone 15 availability issues</cmsannotation> Apple’s Q3 2023 shipments declined 9% year-on-year to reach 16%, down from 17% in Q3 2022. The company’s recently launched flagship<a href="https://www.businessinsider.in/tech/mobile/news/iphone-15-iphone-15-plus-with-usb-type-c-port-improved-cameras-launched-starting-at-799/articleshow/103615581.cms"> iPhone 15</a>’s delayed deliveries have been claimed to be one of the reasons for the decline. <cmsannotation type="cmsannotation" annotationid="Chinese companies report a decline as well" comment="subhead" text="Chinese companies report a decline as well">Chinese companies report a decline as well</cmsannotation> Chinese smartphone makers Xiaomi, Oppo and Vivo, which occupy the third, fourth and fifth positions respectively, also reported a decline in sales. Xiaomi’s sales declined by 15%, with the company occupying a 12% market share in Q3 2023, down from 13% last year. Oppo and Vivo market share declined by 15% and 14% respectively, with both companies commanding 8% market share, down from 9% in Q3 2022. <cmsannotation type="cmsannotation" annotationid="2023 shipments to reach a decade low" comment="subhead" text="2023 shipments to reach a decade low">2023 shipments to reach a decade low</cmsannotation> Despite an expected increase in shipments in Q4, the overall <keyword id="15758982" type="General" weightage="20" keywordseo="2023-smartphone-shipments" source="Orion">2023 smartphone shipments</keyword> are expected to reach a decade low. This has been attributed to a shift in device replacement patterns, particularly in developed markets.] A change in device replacement patterns could be due to increased support for smartphones from companies like Apple, Samsung and Google. Google’s recently launched<a href="https://www.businessinsider.in/tech/mobile/news/google-launches-pixel-8-pixel-8-pro-and-pixel-watch-2-check-out-price-and-specs/articleshow/104165778.cms"> Pixel 8</a> series gets seven years of Android and security updates. SEE ALSO: <a href="https://www.businessinsider.in/india/news/explained-how-to-lock-and-unlock-your-aadhaar-biometrics-to-prevent-frauds/articleshow/104462114.cms">Explained: How to lock and unlock your Aadhaar biometrics to prevent frauds</a> <a href="https://www.businessinsider.in/tech/news/passkeys-may-soon-replace-passwords-everything-you-need-to-know/articleshow/104361209.cms">Passkeys may soon replace passwords - everything you need to know</a> <a href="https://www.businessinsider.in/tech/mobile/news/oneplus-open-foldable-phone-to-launch-in-india-soon-everything-we-know-so-far/articleshow/104338437.cms">OnePlus Open foldable phone to launch in India soon – everything we know so far</a>

Smartphone makers should be a worried lot as global shipments decline to a decade low

New Delhi, Advocating DPI's potential in helping nations leapfrog digital transformation, a <keyword id="42981" type="General" weightage="20" keywordseo="G20" source="Orion">G20</keyword> document prepared by <keyword id="6354424" type="General" weightage="20" keywordseo="world-bank" source="Orion">World Bank</keyword> has praised India's approach in unlocking the power of digital public infrastructure, including Aadhaar and UPI, for financial inclusion. The impact of DPI goes beyond inclusive finance, to supporting health, education, and sustainability, says the foreward of the document 'G20 policy recommendations for advancing financial inclusion and productivity gains through DPI'. "The India stack exemplifies this approach, combining digital ID, interoperable payments, a digital credentials ledger, and account aggregation. In just six years, it has achieved a remarkable 80 per cent financial inclusion rate-a feat that would have taken nearly five decades without a DPI approach," it said. India's digital ID system Aadhaar, digital payment system UPI, data-exchange platform Digilocker and its other showcase platforms have found a special mention among the examples of DPIs "all of which play a leading role in the advancement of financial inclusion in many countries". Other systems mentioned were Singapore's Singpass, the Philippines' PhilSys, and the UAE's UAE-Pass among the digital ID systems; Brazil's Pix, India's UPI, Turkiye's FAST, the European Union's TIPS, and Thailand's PromptPay under fast payment systems; as well as Estonia's X-Road, Singapore's MyInfo, Australia's Customer Data Right, and the UK's Open Banking. Put simply, Digital Public Infrastructure (DPI) refers to blocks or platforms such as digital identification, payment infrastructure and data exchange solutions that help countries deliver essential services to their people, empowering citizens and improving lives by enabling digital inclusion. DPIs are interoperable, open, and inclusive systems supported by technology and provide essential, society-wide, public and private services that play a critical role in accelerating this digital transformation in an inclusive manner. The document also cites India's Data Empowerment and Protection Architecture (DEPA) and India's Account Aggregator (AA) Framework. On Fast Payment Systems, it noted that in some countries, such as India and Brazil the adoption has been "particularly quick and transformative". UPI, it said, has been widely adopted, benefitting from a user-friendly interface, open banking features, and private sector participation. "The UPI platform has gained significant popularity in India; more than 9.41 billion transactions valuing about Rs 14.89 trillion were transacted in May 2023 alone. For the fiscal year 2022-23, the total value of UPI transaction was nearly 50 per cent of India's nominal GDP," the report said. The document goes on to say that an aspect that makes DPIs unique, and that can further reduce existing constraints, is their ability to complement each other or be integrated in end-to-end workflows. One such service enabled by the interaction of open APIs and digital ID systems is the e-KYC or remote authentication services. A case in point is India's Aadhaar biometric identification system, which covers over one billion people and supports APIs, enables remote identification and authentication, it observes. Financial service providers can thus authenticate an individual's identity remotely, even by using selfie-based mechanisms to substitute for in-person customer due diligence verification requirements, it said. India has also figured prominently in the section on 'DPIs' Potential Added Value for the Private Sector', that cites how FSPs and MSMEs could benefit from these digital networks. "For some nonbank financial companies (NBFCs) in India, the AA ecosystem enabled an 8 per cent higher conversion rate in SME lending, a 65 per cent savings in depreciation costs, and a 66 per cent reduction in costs related to fraud detection. According to industry estimates, banks' costs of onboarding customers in India decreased from USD 23 to USD 0.1 with the use of DPI," it said. Through open application programming interface (APIs), India's Open Credit Enablement Network (OCEN) enables MSMEs participating in digital markets to secure credit by using information about their business history, rather than pledging physical assets as collateral. According to the document, in India, the implementation of various DPIs is considered to have played a critical role in the increase in account ownership from just one-fourth of adults in 2008 to almost 80 per cent a decade later "a journey that it is estimated would have taken up to 47 years without DPIs".

World Bank praises India's digital infrastructure for its transformative potential

<ul><li>X has started testing a paid subscription program for all new users in two countries.</li><li>New users will have to pay a fee to be able to interact with other users.</li><li>Here’s everything you need to know about the Not a Bot program.</li></ul> <keyword id="6355315" type="General" weightage="20" keywordseo="elon-musk" source="Orion">Elon Musk</keyword> in a live-stream has mentioned that X (formerly Twitter) is moving towards becoming a paid platform for all users. X has announced that the company is now testing a new program in two countries. The program, dubbed as “Not a Bot” has initially been announced in two countries – New Zealand and Philippines. Users creating a new account in these countries will have to pay an annual fee of $1 to interact with other users. Let’s understand what the Not a Bot program is and what impact it may have on new users – <cmsannotation type="cmsannotation" annotationid="Mobile number verification" comment="subhead" text="Mobile number verification">Mobile number verification</cmsannotation> The first thing users will have to do under the Not a Bot program is to verify their phone number. This will strictly apply to new users as well. <cmsannotation type="cmsannotation" annotationid="Subscription plan" comment="subhead" text="Subscription plan">Subscription plan</cmsannotation> Once the user has authenticated their mobile number, they will be asked to select a subscription plan. The user will have three options – <ul><li>$1 plan</li><li>X Premium</li><li>Verified Organisations</li></ul><cmsannotation type="cmsannotation" annotationid="Here’s what you get with the $1 plan" comment="subhead" text="Here’s what you get with the $1 plan">Here’s what you get with the $1 plan</cmsannotation> The $1 plan, which is the cheapest option among the three subscription plans, will allow you to perform the following actions – post content, like posts, reply to posts, quote or repost posts and bookmark posts. It is noteworthy that these are all the things that users can currently do for free. <cmsannotation type="cmsannotation" annotationid="Can new users create an account for free?" comment="subhead" text="Can new users create an account for free?">Can new users create an account for free?</cmsannotation> While new users will be able to opt for a free account, their actions on the platform will be very limited. The users who do not opt for a subscription plan will only be able to read posts, watch videos and follow accounts. <cmsannotation type="cmsannotation" annotationid="Will existing users have to pay $1?" comment="subhead" text="Will existing users have to pay $1?">Will existing users have to pay $1?</cmsannotation> X has mentioned that existing users will not be affected within this test and won’t have to pay any subscription fees. But, from the wording, “within this test”, it can be interpreted that the company is considering charging users a nominal fee to be able to interact on the platform. Musk has been vocal about eliminating bots on the platform and may consider charging a nominal fee to reduce bots on the platform. <cmsannotation type="cmsannotation" annotationid="Why is X doing this?" comment="subhead" text="Why is X doing this?">Why is X doing this?</cmsannotation> As per the platform, this move is not aimed at earning a profit but to reduce spam, manipulation of the platform and reduce bot activity. “This new test was developed to bolster our already successful efforts to reduce spam, manipulation of our platform and bot activity, while balancing platform accessibility with the small fee amount. It is not a profit driver,” X said in a<a href="https://twitter.com/Support/status/1714429406192582896"> post</a>. “It’s the only way to fight bots without blocking real users. This won’t stop bots completely, but it will be 1000X harder to manipulate the platform,” Elon Musk said in a post. <cmsannotation type="cmsannotation" annotationid="Will this program be rolled out globally?" comment="subhead" text="Will this program be rolled out globally?">Will this program be rolled out globally?</cmsannotation> While X has not announced plans for a global rollout, like most features that have been tested on X, including the paid verification feature will likely be rolled out globally once the testing has been done. This could be a few weeks or a few months, based on the results of the testing. SEE ALSO: <a href="https://www.businessinsider.in/tech/mobile/news/global-smartphone-shipments-decline-for-the-ninth-consecutive-quarter-expected-to-bounce-back-in-festive-season/articleshow/104487576.cms">Smartphone makers should be a worried lot as global shipments decline to a decade low</a> <a href="https://www.businessinsider.in/india/news/explained-how-to-lock-and-unlock-your-aadhaar-biometrics-to-prevent-frauds/articleshow/104462114.cms">Explained: How to lock and unlock your Aadhaar biometrics to prevent frauds</a> <a href="https://www.businessinsider.in/tech/news/passkeys-may-soon-replace-passwords-everything-you-need-to-know/articleshow/104361209.cms">Passkeys may soon replace passwords - everything you need to know</a>

Fight against bots? Musk says new users on X will soon have to pay $1 to create an account

<ul><li>The passenger vehicle wholesales in India rose to its highest level in any quarter so far in the July-September period.</li><li>The Overall passenger vehicles (<keyword id="163296" type="General" weightage="20" keywordseo="pv" source="Orion">PV</keyword>) dispatches from automakers to dealers rose to 10,74,189 units.</li><li>Total two-wheeler dispatches declined to 45,98,442 units in July-September 2023.</li></ul> The passenger vehicle wholesales in India rose to its highest level in any quarter so far in the July-September period riding on the back of robust demand for utility vehicles, industry body <keyword id="1577311" type="General" weightage="80" keywordseo="society-of-indian-automobile" source="Orion">Society of Indian Automobile</keyword> Manufacturers (<keyword id="108827" type="General" weightage="20" keywordseo="siam" source="Orion">SIAM</keyword>) said on Monday. The Overall passenger vehicles (PV) dispatches from automakers to dealers rose to 10,74,189 units in July-September 2023-24, up 4.7% from 10,26,309 units in the same period of 2022-23. It is also the first time ever that the domestic PV wholesales have crossed the 20 lakh mark in the first half (April-September) period of any financial year. "The sales growth in the PV segment is being fuelled by strong demand for the utility and sports utility vehicles. The vertical is now accounting for around 60% of the overall sales," Society of Indian Automobile Manufacturers (SIAM) President <keyword id="230167" type="General" weightage="80" keywordseo="vinod-aggarwal" source="Orion">Vinod Aggarwal</keyword> told reporters here. Sales of entry level cars however continue to dip, he added. The entry level car wholesales dropped to 35,000 units in the second quarter as compared to the peak of 1.38 lakh cars in July-September 2018-19, Aggarwal said. Similar trend is there in the entry level two-wheeler segment with rural demand yet to pick up fully, he added. In the first six months of the fiscal, total PV wholesales rose to 20,70,163 units from 19,36,804 units. Aggarwal said passenger vehicles, three-wheelers, and commercial vehicle segments continued to witness growth in the second quarter of 2023-24, although two-wheeler wholesale numbers posted a marginal de-growth, compared to the same period of last year. Total two-wheeler dispatches declined to 45,98,442 units in July-September 2023 as against 46,73,931 units in the year-ago period. Commercial vehicle dispatches rose to 2,47,929 units from 2,31,991 units in the year-ago period. Total three-wheeler wholesales surged to record 1,95,215 units in the second quarter as compared with 1,20,319 units in the same period last fiscal. In the September quarter, overall sales rose to 61,16,091 units from 60,52,739 units in the second quarter of 2022-23. "As we get into the festival season, all segments of the industry are optimistic and look towards posting good numbers in Q3 as well," Aggarwal said. This growth in the automobile sectors can be attributed to the all-round economic growth of the country, which is also enabled through the conducive government policies, he added. In September, PV dispatches increased by 2% year-on-year to 3,61,717 units as compared with 3,55,043 units in September 2022. Similarly, two-wheeler sales increased to 17,49,794 units last month from 17,35,199 units in the year-ago period, SIAM said. Total three-wheeler wholesales rose to 74,418 units last month from 50,626 units in September 2022. Total dispatches last month were up at 21,41,208 units from 20,93,286 units in September 2022. With inputs from PTI. SEE ALSO:<a href="https://www.businessinsider.in/tech/mobile/webstories/samsung-galaxy-z-flip-5-vs-oppo-find-n3-flip-comparison-of-two-best-flip-mobiles-in-india/slidelist/104462471.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/mobile/webstories/samsung-galaxy-z-flip-5-vs-oppo-find-n3-flip-comparison-of-two-best-flip-mobiles-in-india/slidelist/104462471.cms" target="_blank">Flip-phone battle – Samsung Galaxy Z Flip 5 vs Oppo Find N3 Flip</a><a href="https://www.businessinsider.in/india/news/explained-how-to-lock-and-unlock-your-aadhaar-biometrics-to-prevent-frauds/articleshow/104462114.cms" target="_blank"></a> <a href="https://www.businessinsider.in/india/news/explained-how-to-lock-and-unlock-your-aadhaar-biometrics-to-prevent-frauds/articleshow/104462114.cms" target="_blank">Explained: How to lock and unlock your Aadhaar biometrics to prevent frauds</a><a href="https://www.businessinsider.in/tech/mobile/news/oneplus-open-foldable-phone-to-launch-in-india-soon-everything-we-know-so-far/articleshow/104338437.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/mobile/news/oneplus-open-foldable-phone-to-launch-in-india-soon-everything-we-know-so-far/articleshow/104338437.cms" target="_blank">OnePlus Open foldable phone to launch in India soon – everything we know so far</a>

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India is digitising fast but the pace is leaving many behind

Prabhjote Gill

WhatsApp rolls out passwordless logins with passkeys on Android

IANS

Smartphone makers should be a worried lot as global shipments decline to a decade low

Sourabh Jain

World Bank praises India's digital infrastructure for its transformative potential

PTI

Fight against bots? Musk says new users on X will soon have to pay $1 to create an account

Sourabh Jain

Passenger vehicle sales touch highest ever quarterly mark in July-Sep: SIAM

BI India Bureau

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