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In mid-March, a scammer in California tried to buy $150 worth of <a target="_blank" href="https://www.businessinsider.com/trying-wingstop-first-time-review-photos-2022-9">Wingstop</a> using my debit card. Aside from being impressed at the sheer size of the order, I was relieved because Citibank, which issued my card, declined the transaction on the spot and alerted me to the fraud. In minutes I was able to shut off my card, heading off any more purchases by the scammers, and order a new card. All's well that ends well.When I went to Buenos Aires in April, I figured I might <a target="_blank" href="https://www.businessinsider.com/personal-finance/why-was-my-credit-card-declined">run into a similar situation</a>. Sure, the banks say you don't have to call ahead when you travel anymore, but I assumed I'd still have some purchase flagged as potential fraud, as had happened in past trips abroad. Miraculously, everything went off without a hitch. I don't know how JPMorgan Chase knew that I would spend $200 on Botox in Argentina, but it did. (No, I didn't book my flight on the same card, and whatever, <a target="_blank" href="https://www.businessinsider.com/botox-injections-fillers-plastic-surgery-gen-z-social-media-filters-2024-5">everybody gets Botox now</a>.)It's great that banks and credit-card companies are getting better at discerning which payments are fraudulent and which are legit. Many people have some horror story about having their credit card stolen or having their own legitimate transactions flagged as suspicious. And it's nice not to have to spend 20 minutes on the phone before a vacation explaining where you're going and when. Credit-card fraud protection is still far from perfect, but there's no denying that the technology is improving. On the flip side, it's also kind of wild to consider just how much financial institutions must know about you to make the right calls.I was curious about how it all works — and, frankly, a little creeped out. So I reached out to some credit-card companies and academics to learn more. Why don't people have to alert their credit-card companies about travel anymore? And, more broadly, just how have banks gotten so good at figuring out what's normal about our spending habits and what isn't?The Federal Trade Commission receives thousands of card-fraud complaints each year. The Nilson Report, which tracks the card industry, says payment-card fraud resulted in $33 billion in losses worldwide in 2022 and $13.6 billion in losses in the US. As such, credit-card issuers and banks are keen to do what they can to spot fraud. They want to keep their customers happy, and, more importantly, they want to stem their losses. In the US, the major credit-card issuers and banks <a target="_blank" href="https://www.businessinsider.com/personal-finance/credit-card-lost-stolen-what-to-do">generally have a zero-liability policy</a>, which means that when a customer gets scammed, the organization, not the customer, has to eat the cost.Years ago, whether a transaction went through was based on things like whether a physical card was present, whether you had enough money to make the purchase, and (if the cashier wanted to look) whether your signature on the receipt matched the one on the back of your card. In some cases, the cashier may have even asked for ID or called the bank to verify the funds. We've come a long way from those bad old days by using the same tools that power most innovations: data and computers. Credit-card companies and banks know a lot about us — where we shop, when we spend, and how much we're usually willing to pay for things — and they're getting better and better at turning that knowledge into action. While it's <a target="_blank" href="https://www.businessinsider.com/generative-ai-exaggeration-openai-nvidia-microsoft-chatgpt-jobs-investors-markets-2024-3">all the rage to talk about newfangled forms of artificial intelligence</a>, fraud detection owes a lot to machine learning, a field within AI that's been around for years. A bunch of data gets dumped into computer systems, and algorithms figure out patterns and relationships. The algorithms create decision trees to predict the likelihood of different outcomes and identify what may be considered normal or fishy. It's not that your credit-card company knows that you, specifically, would blow a bunch of cash on A and not on B — it knows that customers with your profile are in the "likes A" camp and not the "likes B" one."It's looking at what's happening that is very much out of the ordinary for your general behaviors," said Tina Eide, an executive vice president of global fraud risk at American Express. "And when I talk about general behaviors, it is generalized, right? It is not down to the specific purchase or to the specific merchant." Eide added, "The models are evaluating a trillion dollars' worth of transactions a year."The machines know more now than ever. Mike Lemberger, Visa's regional risk officer for North America, said that over the past five years the number of data points people generate with their credit cards has grown tremendously. People are increasingly using cards over cash. And they don't just have a physical card they're pulling out at the store — they've got their card credentials in their Amazon account, Netflix account, iPhone, etc. The more purchases the card issuer can analyze, the more accurate the fraud detection will be."Visa, we don't have consumer information — that's your financial institution that has that — but what we have is this triangulation of all these data points," Lemberger said. "We can create more and better scores, layer on top of that machine learning and AI abilities, and it becomes a much, much more powerful predictor, which we then feed into all of our partners to say, 'Hey guys, if you want to make the best decisions, here's a whole bunch of really good information.'"Visa isn't going to block your card directly, but it'll alert your bank that your purchase looks suspicious or that fraud has been detected at the merchant you're dealing with.This all seemed pretty simple until I talked to Yann-Aël Le Borgne and Gianluca Bontempi, a pair of researchers at the Université Libre de Bruxelles in Belgium who <a target="_blank" href="https://fraud-detection-handbook.github.io/fraud-detection-handbook/Foreword.html#authors">work on machine learning and card fraud</a>. They emphasized the vast scale of this fraud-detection technology. Companies and their algorithms are ingesting millions of transactions and creating so many decision trees to categorize certain activities that it can defy human logic, they said. Basically, the computer may be right that your transaction looks funky even if it's made in your home city at a fairly innocuous vendor, or it may be right that the transaction is fine even though it's made in a faraway place — but when humans try to figure out what did or didn't sound the alarm, nobody will really be able to pinpoint why."Machines can consider many more features, and at the end of the day it's not clear if all those features have meaning for humans," Bontempi said. "Humans are used to working with two, three features, at most five features, while machines can work with hundreds of features. So there are really different levels between what a machine can do."There are human-written rules, which are generally interpretable, and there are machine-written rules, which can be a black box. They're more accurate, but they may be harder, if not impossible, for people to reverse engineer. And banks may be using several different algorithms, making this even more complicated. Data scientists are the ultimate decision-makers, but the information they're dealing with is based on highly complex tech. When I explained to experts my somewhat embarrassing wings-versus-wrinkles conundrum and asked what may have triggered one alert and not the other, they offered up different explanations. Eide, from American Express, said that even though I hadn't booked my trip to Argentina with the credit card I used to buy the Botox, something else had probably tipped off the system that I was there. I realized I'd also bought a package of spin classes in Buenos Aires on my phone with the same card. I had also paid for a meal in the city. Lemberger, from Visa, emphasized that it's about all the data and spending patterns and said that given my spending patterns, the Botox likely matched my profile more than the massive delivery order."I hate to say this to you, but at the end of the day, all these data points build personas. Just like in marketing somebody would use personas to market to you, we're using that same technology to protect you," he said. "And the fact is that we use those data points to not just secure you but the whole ecosystem."At some point it occurred to me that the supercomputers that credit-card companies and banks are working with could know more about me than I even know or understand about myself."It's probable that the exact reason why a transaction caused your card to be blocked has no straightforward interpretation," Le Borgne said.I also asked whether there was a big difference in credit-card protections and debit protections and was told not really — maybe banks will be a little more restrictive about credit because they're technically lending you money that's not limited by your actual cash balance. I also asked if companies don't worry about preclearing travel because they don't care as much about losing money to fraud anymore, to which the answer was a hard no."At the end of the day, somebody's got to pay for the fraudulent activity," Lemberger said. Credit-card companies will give you your money back if you're a victim of fraud, but they'll find another place to recoup that money, <a target="_blank" href="https://www.businessinsider.com/credit-card-late-fees-cap-swipe-mastercard-visa-jpmorgan-rewards-2024-4">just as they always do</a>.Instinctually, I am not a technology-is-awesome person — if the AI really is going to kill us, I feel like we should unplug it. I'm not super freaked out about the privacy stuff, but I also don't love the idea that AmEx and JPMorgan and Citi have me so pegged. But it's cool that companies really are making fraud detection better, especially in a world where fraudsters themselves are constantly getting better. I don't want to be like "Yay, banks!" but maybe here the answer really is a little "Yay, banks!" At least that's the case until the next major data-privacy breach, at which point I will regret everything.<a target="_blank" href="https://www.businessinsider.com/author/emily-stewart">Emily Stewart</a> is a senior correspondent at Business Insider, writing about business and the economy.

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<ul><li><keyword id="19902762" type="General" weightage="20" keywordseo="Google" source="keywords" meta.keywordsubtype="org" meta.entityname="Google" meta.hostid="261" meta.entityid="Google">Google</keyword> announced the launch of the <keyword id="20702287" type="General" weightage="100" keywordseo="Google-Wallet" source="keywords">Google Wallet</keyword> app in India on Wednesday.</li><li>Google Wallet is a <keyword id="20546945" type="General" weightage="20" keywordseo="digital-wallet" source="keywords">digital wallet</keyword> platform that allows users to store their <keyword id="21409411" type="General" weightage="20" keywordseo="loyalty-cards" source="keywords">loyalty cards</keyword>, gift cards, boarding passes and more.</li><li>Here’s everything you need to know about the Google Wallet.</li></ul> The Google Wallet has finally been launched in India, after being spotted on the Play Store a few weeks ago. While Google had then dismissed speculation around the launch of the app in India, it has now officially launched the app. For those unaware, Google Wallet is a digital wallet platform that allows users to store their loyalty cards, gift cards, boarding passes and more. Google has partnered with over 20 brands in India and has said that other brands will be added in the coming months. <cmsannotation type="cmsannotation" annotationid="What is Google Wallet?" comment="subhead" text="What is Google Wallet?">What is Google Wallet?</cmsannotation> The Google Wallet was first launched in 2011 in the US as a payment app and was relaunched as a digital wallet app in 2022. With Google Wallet, you can store digital versions of your transit passes, office badges, vaccine records, car keys, boarding passes, and even student IDs. Now, nearly two years later, the app has made its way to India, albeit with some changes. While the app in the US allows users to add their debit and credit cards, Indian users will not be able to do so. <cmsannotation type="cmsannotation" annotationid="Google Wallet for India" comment="subhead" text="Google Wallet for India">Google Wallet for India</cmsannotation> To cater to India, Google has partnered with over 20 of the country’s leading brands, including PVR &amp; Inox, Air India, Indigo, Flipkart, AbhiBus, Kochi Metro and more. For India, the Google Wallet app will only work as a digital wallet and users will not be able to add their debit or credit cards. For this purpose, Indian users can continue to use the <keyword id="19907218" type="General" weightage="20" keywordseo="Google-Pay" source="keywords">Google Pay</keyword> app. "The arrival of Google Wallet in India marks an important milestone in Android's India journey, bringing innovative and convenient experiences to simplify peoples' daily lives. We are delighted to partner with many of India's top brands to offer a comprehensive solution that helps you securely access and manage your everyday essentials. From boarding passes to loyalty cards, and event tickets to public transport passes - they're there when you need them,” said Ram Papatla, GM and India Engineering Lead, Android at Google. <cmsannotation type="cmsannotation" annotationid="Google Pay to continue" comment="subhead" text="Google Pay to continue">Google Pay to continue</cmsannotation> In February 2024, Google announced that it would replace the Google Pay app with the Google Wallet in the US. While Google has now launched the Google Wallet in India, the Google Pay app will continue to work as usual in the country. The Google Pay app already has a huge user base in the country, alongside PhonePe. As per NPCI data, over 5 billion transactions were done on Google Pay in April 2024. "Google Pay is not going anywhere. It will remain our primary payment app. Google Wallet is specifically tailored for non-payment use cases," Papatla added. SEE ALSO: <a href="https://www.businessinsider.in/tech/mobile/news/google-has-silently-launched-the-pixel-8a-in-india-starting-at-52999/articleshow/109937286.cms">Google has quietly launched the Pixel 8a in India starting at ₹52,999</a> <a href="https://www.businessinsider.in/business/auto/webstories/top-selling-cars-in-india-in-april-2024-tata-punch-continues-to-dominate/slidelist/109909744.cms">Top-selling cars in India in April 2024 – Tata Punch continues to dominate</a> <a href="https://www.businessinsider.in/tech/mobile/news/global-smartphone-shipments-grow-by-6-in-q1-2024-samsung-retakes-the-top-spot/articleshow/109817280.cms">Global smartphone shipments grow by 6% in Q1 2024, Samsung retakes the top spot</a>

Google Wallet launched in India – store your loyalty cards, boarding passes and more

<keyword id="19897758" type="General" weightage="20" keywordseo="samsung" source="keywords">Samsung</keyword> on Thursday announced a tie-up with quick-commerce platform Blinkit to deliver its newly launched Galaxy S24 series in <keyword id="19895063" type="General" weightage="20" keywordseo="india" source="keywords">India</keyword>. Customers living in Delhi-NCR, Bengaluru and Mumbai can order Galaxy S24 Ultra, Galaxy S24+ and Galaxy S24 smartphones on Blinkit and get the phone delivered in less than 10 minutes, the company said. According to the company, the collaboration with Blinkit will help Samsung cater to the huge demand for its flagship S24 series in the country. People purchasing the Galaxy S24 series on Blinkit can avail an instant cashback of Rs 5,000 if the purchase is done through HDFC Bank credit card. Samsung has secured record pre-bookings for the Galaxy S24 series, making it the most successful S series ever. More than 250,000 customers pre-booked a Galaxy S24 smartphone in just three days since January 18, the company stated. The sale of the Galaxy S24 devices will begin from January 31. The 'Made in India' Galaxy S24 series comes with Live Translate, Interpreter, Chat Assist, Note Assist and Transcript Assist features. AI built into Samsung Keyboard can also translate messages in real-time in 13 languages, including Hindi. <keyword id="19900516" type="General" weightage="20" keywordseo="samsung-galaxy" source="keywords">Samsung Galaxy</keyword> S24 Ultra in Titanium Gray, Titanium Violet and Titanium Black colours starts from Rs 129,999 (12GB+256GB variant). The 12GB+512GB variant costs Rs 139,999 and the 12GB+1TB model of Galaxy S24 Ultra will come at Rs 159,999. The Galaxy S24+ in Cobalt Violet and <keyword id="20333014" type="General" weightage="20" keywordseo="onyx-black" source="keywords">Onyx Black</keyword> colours starts from Rs 99,999 for the 12GB+256GB variant and the 12GB+512GB variant will come for Rs 109,999. The Galaxy S24 in Amber Yellow, Cobalt Violet and Onyx Black colours begins from Rs 79,999 for the 8GB+256GB variant and Rs 89,999 for the 8GB+512GB model. SEE ALSO:<a href="https://www.businessinsider.in/tech/mobile/webstories/oneplus-12-vs-oneplus-12r-heres-whats-different-between-the-two-devices/slidelist/107138750.cms" target="_blank"></a> <a href="https://www.businessinsider.in/tech/mobile/webstories/oneplus-12-vs-oneplus-12r-heres-whats-different-between-the-two-devices/slidelist/107138750.cms" target="_blank">OnePlus 12 vs OnePlus 12R – What distinguishes the two new smartphones</a><a href="https://www.businessinsider.in/business/auto/webstories/revolt-rv400-brz-an-electric-bike-for-the-city-with-150-km-range-hits-indian-roads/slidelist/107142891.cms" target="_blank"></a> <a href="https://www.businessinsider.in/business/auto/webstories/revolt-rv400-brz-an-electric-bike-for-the-city-with-150-km-range-hits-indian-roads/slidelist/107142891.cms" target="_blank">Revolt RV400 BRZ – An electric bike for the city with 150 km range hits Indian roads</a> <a href="https://www.businessinsider.in/business/auto/news/rolls-royce-spectre-rolls-out-as-indias-most-expensive-electric-car/articleshow/107051636.cms">Rolls Royce Spectre rolls out as India’s most expensive electric car</a>

Samsung India partners Blinkit to deliver Galaxy S24 series in 10 min

<ul><li><keyword id="6354427" type="General" weightage="100" keywordseo="apple" source="Orion">Apple</keyword> has announced the launch of savings accounts service in partnership with <keyword id="6361649" type="General" weightage="20" keywordseo="goldman-sachs" source="Orion">Goldman Sachs</keyword>.</li><li>The two companies introduced a credit card in 2019.</li><li>Apple has claimed that its savings account will offer a high yield.</li></ul>Apple launched its credit card in 2019 with American financial giant Goldman Sachs. After issuing millions of credit cards, the two companies partnered again to launch a savings account. “Apple today announced a new Savings account for <keyword id="7462844" type="General" weightage="20" keywordseo="apple-card" source="Orion">Apple Card</keyword> that will allow users to save their Daily Cash and grow their rewards in a high-yield Savings account from Goldman,” Apple said in its blog post. The savings account service is currently limited to the United States and will allow Apple Card users to save the Daily Cash they earn in the account. For those unaware, Daily Cash are the rewards Apple Card users earn on transactions. Apple Card users can set up their savings account in the Wallet, and the Daily Cash they earn will be deposited in the savings account. No fees or minimum balance requirements Apple has revealed that its savings account will not have any fees and users will be able to sign up for the account for free. In addition to this, the account will not have any minimum balance or minimum deposit requirements. This means you can sign up for the account without worrying about maintaining a minimum balance. Here’s how deposits and withdrawals will work Apple has said that users can freely deposit and withdraw money from their Apple savings account through a linked bank account. “Users can also deposit additional funds into their Savings account through a linked bank account or from their Apple Cash balance. Users can also withdraw funds at any time by transferring them to a linked bank account or to their Apple Cash card, with no fees,” Apple added. Apple claims it will offer high-interest Apple has claimed that its account will have a “high-yield”. The company has, however, not revealed the exact percentage of the interest. In a <a href="https://www.cnbc.com/2022/10/13/apple-goldman-sachs-introduce-interest-bearing-savings-accounts.html">statement</a> to CNBC, an Apple representative said, the interest rate will be “competitive, with the best rates available, and will be the same for all users.” Goldman Sachs currently offers a 2.15% annual yield through its Marcus brand. SEE ALSO: <a href="https://www.businessinsider.in/business/auto/news/xpeng-a-chinese-company-has-tested-x2-a-flying-car-in-dubai/articleshow/94808426.cms">You may soon be able to beat the traffic by using a flying car</a> <a href="https://www.businessinsider.in/business/auto/news/ola-all-set-to-launch-its-cheapest-new-electric-scooter-on-october-22/articleshow/94776685.cms">Ola may launch an electric scooter priced under ₹80,000 on October 22</a> <a href="https://www.businessinsider.in/tech/mobile/news/indian-government-wants-apple-and-samsung-to-quickly-roll-out-the-update-to-enable-5g-support/articleshow/94788906.cms">Indian government wants Apple and Samsung to quickly roll out the update to enable 5G support</a>

After a credit card, Apple launches savings account service in partnership with Goldman Sachs — here’s what it means

<ul><li>Samsung has launched the Galaxy Z Fold 5 and the Galaxy Z Flip 5 foldable smartphones.</li><li>The Galaxy Z Flip 5 features a larger cover display, offering easier access.</li><li>Here’s everything you need to know about the latest foldable devices from Samsung.</li></ul> Samsung on Wednesday announced several new devices at its Galaxy Unpacked event held in Seoul, South Korea, the company’s home country. The devices have been launched globally, including India. The major launches by the tech giant at the event are the much-awaited Galaxy Z Fold 5 and Galaxy Z Flip 5 foldable phones. The company has also launched the Galaxy Watch 6, Galaxy Watch 6 Series and the Galaxy Tab S9 Series at the event. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Z Fold 5 and Galaxy Z Flip 5 launched" comment="subhead" text="Samsung Galaxy Z Fold 5 and Galaxy Z Flip 5 launched"><keyword id="11296817" type="General" weightage="100" keywordseo="samsung-galaxy-z-fold-5" source="Orion">Samsung Galaxy Z Fold 5</keyword> and Galaxy Z Flip 5 launched</cmsannotation> The Galaxy Z Fold 5 and the Galaxy Z Flip are the main highlights of the Galaxy Unpacked event. Both the devices run on Android 13 out of the box with the company's OneUI 5.1.1 on top. The biggest noticeable change is the improved cover display on the Galaxy Flip 5. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Z Fold 5 specifications" comment="subhead" text="Samsung Galaxy Z Fold 5 specifications">Samsung Galaxy Z Fold 5 specifications</cmsannotation> Starting with the Galaxy Z Fold 5, it features a large 7.6-inch QXGA+ Dynamic AMOLED 2X display with a 120Hz refresh rate. On the outside, the device features a 6.2-inch HD+ Dynamic AMOLED display with a 120Hz refresh rate. <div type="image" title="011_galaxy_z_fold5_color_kv_1p_rgb_230619_HI" msid="102141194" hostid="261" caption="&amp;lt;p&amp;gt;The Samsung Galaxy Z Fold 5&amp;lt;/p&amp;gt;"></div> The smartphone is equipped with the Snapdragon 8 Gen 2 for Galaxy chipset, which was also used for the company’s Galaxy S23 series. The device is available in three memory options – 12GB RAM + 256GB storage, 12GB RAM + 512GB storage and 12GB RAM + 1TB storage. Coming to the optics, the device features a triple camera setup at the back consisting of a 12MP ultra-wide angle sensor, a 50MP wide-angle camera and a 10MP telephoto sensor. It comes with two selfie cameras – a 10MP selfie camera on the cover display and the 4MP under-display selfie camera on the internal display. <div type="image" title="JB Park, President &amp;amp; CEO, Samsung SWA" msid="102167121" hostid="261" sizebytes="71368" caption="&amp;lt;p&amp;gt;JB Park, President &amp;amp;amp; CEO, Samsung SWA with the Galaxy z Flip 5 and Galaxy Z Fold 5&amp;lt;/p&amp;gt;"></div> The Galaxy Z Fold 5 is powered by a 4,400mAh battery with 25W charging support, which can charge the device up to 50% in just 30 minutes. It also supports wireless charging. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Z Fold 5 price" comment="subhead" text="Samsung Galaxy Z Fold 5 price">Samsung Galaxy Z Fold 5 price</cmsannotation> The Samsung Galaxy Z Fold 5 has been priced at ₹1,54,999 for the 256GB variant, ₹1,64,999 for the 512GB variant and ₹1,84,999 for the 1TB variant. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Z Flip 5 specifications" comment="subhead" text="Samsung Galaxy Z Flip 5 specifications"><keyword id="9629373" type="General" weightage="20" keywordseo="samsung-galaxy-z-flip-5" source="Orion">Samsung Galaxy Z Flip 5</keyword> specifications</cmsannotation> On the other hand, the Galaxy Z Flip 5 features a 6.7-inch Full HD+ internal display with a 120Hz refresh rate and comes with a large 3.4-inch HD Super AMOLED display with a 60Hz refresh rate. <div type="image" title="Samsung Galaxy Z Flip 5" msid="102141202" hostid="261" caption="&amp;lt;p&amp;gt;Samsung Galaxy Z Flip 5&amp;lt;/p&amp;gt;"></div> The Galaxy Z Flip is also powered by the same Snapdragon 8 Gen 2 for Galaxy chipset. It is however available in two options only – 8GB RAM + 256GB storage and 8GB RAM + 512GB storage. Coming to the camera department, the Galaxy Z Flip 5 features a dual camera setup at the back consisting of a 12MP ultra-wide-angle camera and a 12MP wide-angle camera. The device comes with a 10MP selfie camera on the front. It is powered by a 3,700mAh battery coupled with 25W charging support, which can power it up to 50% in 30 minutes. It supports Wireless charging. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy Z Flip 5 price" comment="subhead" text="Samsung Galaxy Z Flip 5 price">Samsung Galaxy Z Flip 5 price</cmsannotation> The Samsung Galaxy Z Flip 5 has been priced at ₹99,999 for the 256GB variant and ₹1,09,999 for the 512GB variant. 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Samsung heats up the foldables segment with the Galaxy Z Fold 5 and the Galaxy Z Flip 5

<ul><li>Samsung on Thursday announced that pre-booking for its <keyword id="9709431" type="UNKNOWN" weightage="20" keywordseo="galaxy-note20-series">Galaxy Note20 series</keyword> is now open in India</li><li>The 6.7-inch Galaxy Note20 (8GB+256GB) is priced at ₹77,999 while the 6.9-inch Galaxy Note20 Ultra 5G (12GB+256GB) will be available for ₹ 104,999 in the country.</li><li>Customers who pre-book Galaxy Note20 from Samsung.com and leading retail stores will be eligible for benefits worth Rs 7,000, while those pre-booking Galaxy Note20 Ultra 5G will get benefits worth Rs 10,000, the company said in a statement.</li></ul> Samsung on Thursday announced that pre-booking for its Galaxy Note20 series is now open in India, The 6.7-inch Galaxy Note20 (8GB+256GB) is priced at Rs 77,999 while the 6.9-inch Galaxy Note20 Ultra 5G (12GB+256GB) will be available for Rs 104,999 in the country. Customers who pre-book Galaxy Note20 from Samsung.com and leading retail stores will be eligible for benefits worth Rs 7,000, while those pre-booking Galaxy Note20 Ultra 5G will get benefits worth Rs 10,000, the company said in a statement. The benefits can be redeemed on Samsung Shop app on a set of products, including Galaxy Buds+, Galaxy Buds Live, Galaxy Watches and <keyword id="580644" type="COMPANY" weightage="20" keywordseo="Galaxy-Tabs">Galaxy Tabs</keyword>, among others. The <keyword id="3672202" type="PERSON" weightage="20" keywordseo="Flagship-devices">flagship devices</keyword> will be available for sale in the last week this month. "Galaxy Note20 series take power and productivity to the next level and help consumers maximize work and play while they stay connected. This year, we are also launching Galaxy Note20 Ultra 5G, our first 5G smartphone in India," said Mohandeep Singh, Senior Vice President, Mobile Business, Samsung India. The consumers will be eligible for cashback up to Rs 6,000 on purchase of Galaxy Note20 and up to Rs 9,000 on purchase of Galaxy Note20 Ultra 5G via <keyword id="9709429" type="COMPANY" weightage="20" keywordseo="hdfc-bank-credit-and-debit-cards">HDFC Bank Credit and Debit Cards</keyword>. <keyword id="9709430" type="COMPANY" weightage="20" keywordseo="existing-galaxy">Existing Galaxy</keyword> users will be eligible for an upgrade offer to get an additional discount of Rs 5,000 on exchanging their current Galaxy device. "This brings the overall benefit to Rs 19,000, which gives customers the best chance to pre-book," the company added. Note10 houses a 4300mAh battery while Note20 Ultra has a 4,500mAh battery. The Galaxy Note20 series' enhanced S Pen has more life-like precision to provide more accuracy and responsiveness. With Microsoft Windows integration, you can access mobile apps directly from your Windows 10 PC on the smartphones without disrupting the workflow. Galaxy Note20 will be available in Mystic Bronze and Mystic Green colours and Galaxy Note20 Ultra 5G in Mystic Bronze and Mystic Black colours. Galaxy Note Ultra comes with Corning Gorilla Glass 7 which is the toughest-ever glass on a smartphone. Sporting an all-day intelligent battery and super fast charging capabilities, one can get more than 50 per cent charge in just 30 minutes. Both Galaxy Note20 and Galaxy Note20 Ultra 5G support eSIM by Airtel and Jio and the service is coming soon on Vodafone, said the company. SEE ALSO: <a href="https://www.businessinsider.in/finance/news/rbi-governor-shaktikanta-das-leaves-repo-rate-unchanged-to-check-inflation/articleshow/77387591.cms">‘Watchful’ RBI leaves repo rate unchanged to keep inflation in check</a> <a href="https://www.businessinsider.in/tech/news/the-beirut-explosion-created-a-huge-mushroom-cloud-and-visible-blast-wave-but-nuclear-weapons-experts-say-it-wasnt-an-atomic-blast-heres-why-/articleshow/77362144.cms">The Beirut explosion created a huge mushroom cloud and visible blast wave, but nuclear weapons experts say it wasn't an atomic bomb. Here's why.</a> <a href="https://www.businessinsider.in/business/startups/news/microsoft-for-startups-lathika-pai-says-entrepreneurs-pitching-for-investments-need-to-have-this-one-question-answered-in-their-pitch-decks/articleshow/77352935.cms">Microsoft for Startups’ Lathika Pai says entrepreneurs pitching for investments need to have this one question answered in their pitch decks</a> <a href="https://www.businessinsider.in/careers/news/linkedin-tcs-disney-hotstar-zee-and-other-companies-hiring-right-now-in-india/slidelist/77352775.cms">LinkedIn, TCS, Disney+ Hotstar, Zee and other companies hiring right now in India</a>

Now pre-book Samsung Galaxy Note20 for  ₹77,999 in India

<ul class="summary-list"><li>Gaming company <keyword id="1311139" type="PERSON" weightage="60" keywordseo="Razer">Razer</keyword> is launching a prepaid credit card with <keyword id="6359421" type="UNKNOWN" weightage="60" keywordseo="visa">Visa</keyword> in Singapore.</li><li>The card is virtual, similar to the <keyword id="7462844" type="UNKNOWN" weightage="60" keywordseo="Apple-Card">Apple Card</keyword>, but users can request a premium physical card that lights up when you make payments.</li><li>Razer is the latest <keyword id="6358815" type="UNKNOWN" weightage="60" keywordseo="tech">tech</keyword> company to branch out into the personal finance space, along with Apple and <keyword id="10591" type="CITY" weightage="60" keywordseo="Samsung">Samsung</keyword>.</li></ul>First there was the <a href="https://www.businessinsider.com/category/apple-card">Apple Card</a>, now there's the <keyword id="10063456" type="UNKNOWN" weightage="60" keywordseo="razer-card">Razer Card</keyword>.Gaming company Razer just unveiled the Razer Card, a prepaid credit card it created with Visa that will be available in beta in Singapore. Razer <a href="https://techcrunch.com/2019/06/23/razer-visa-prepaid-card/">previously announced</a> its ambitions to build a prepaid card in partnership with the payments giant last year, but unveiled the card and beta program on October 5.<a href="https://www.businessinsider.com/how-does-apple-card-work">Similar to the Apple Card</a>, the Razer Card is a virtual card that can be accessed via the company's Razer Pay service. There's also an option to upgrade to a premium physical card, which the company says can light up when making a chip or contactless payment. Razer's physical cards are numberless, the company says, another characteristic is shares with the Apple Card.The company hasn't explicitly said whether it will charge users for the light-up card. But it does refer to the virtual and standard cards as complementary, saying the users can upgrade to the premium card — implying that there may be a fee to do so. Coming from a gaming company, it's no surprise that Razer is trying to "gamify" its prepaid card. The company claims its rewards system will differ from that of other cards since it will allow card holders to track and score rewards based on everyday tasks and transactions.The card offers 1% cash back on all purchases and 5% on purchases made through Razer's store and Razer Gold, the company's virtual credit system for buying games and in-game content. During the beta, cardholders will get 10% cash back on purchases made through these Razer channels. The prepaid card is being launched by Razer Fintech, the gaming hardware firm's digital payment network in Southeast Asia. It may seem like an unexpected move for a company best known for its line of gaming accessories and laptops, but Razer views its Fintech arm as <a href="https://www.businesswire.com/news/home/20200324005313/en/%C2%A0Razer-Announces-2019-Full-Year-Financial-Results?utm_source=Triggermail&amp;utm_medium=email&amp;utm_campaign=Post%20Blast%20bii-banking:%20Gaming%20hardware%20maker%20wants%20to%20build%20a%20bank%20%7C%20Revolut%20integrates%20business%20accounts%20with%20Sage%20%7C%20Australian%20neobank%20cuts%20interest%20rates%20again&amp;utm_term=BII%20List%20Banking%20ALLanking%20ALL">an important part of its growth strategy</a> along with mobile and cloud gaming and esports. Razer is just one of several tech firms that's expanded into personal finance recently. <keyword id="2546268" type="COMPANY" weightage="60" keywordseo="venmo">Venmo</keyword> <a href="http://blog.venmo.com/2020/10/1/introducing-the-venmo-credit-card">introduced a credit card</a> on the very same day, and Apple launched the Apple Card last year. Google is also said to be working on a smart debit card, according to <a href="https://techcrunch.com/2020/04/17/google-card/">TechCrunch</a>, and Samsung <a href="https://news.samsung.com/us/introducing-samsung-money-samsung-pay-sofi/?utm_source=pr_media&amp;utm_medium=email&amp;utm_campaign=General=General">announced</a> a money management system that includes a Mastercard debit card earlier this year.

Gaming giant Razer is launching a prepaid credit card that lights up when you make payments

South Korean giant <keyword id="10591" type="General" weightage="20" keywordseo="samsung" source="Orion">Samsung</keyword> will merge its mobile payment solution '<keyword id="2695669" type="General" weightage="20" keywordseo="samsung-pay" source="Orion">Samsung Pay</keyword>' and password management application 'Samsung Pass' into '<keyword id="2437504" type="General" weightage="20" keywordseo="samsung-wallet" source="Orion">Samsung Wallet</keyword>' in India on Tuesday with more exciting features. The tech giant teased from its @SamsungIndia account: "Have you marked your calendar yet? Only 1 day left for Samsung Pay's big transformation! Buckle up and watch this space to know more! T&amp;C apply." According to a video attached to the tweet, the launch of the new payment service is on January 31. 'Samsung Pay gets better, Just 1 day to go," said the tweet. According to Sam Mobile, the company will rename it as Samsung Wallet which is now ready for the Indian market. Earlier this month, the company had revealed that the new app would be launched in the country before the end of January. Samsung Wallet would also be launched in seven other markets. With the help of Samsung Wallet, users can securely store things like boarding passes, credit cards, cryptocurrency, debit cards, digital keys, identification cards, login passwords and even loyalty/membership cards. Samsung Knox, a defence-grade digital security system, protects all the data in the application. SEE ALSO: <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/india/news/electronics-export-from-india-to-cross-1-28-lakh-crore-next-fiscal-mos-it/articleshow/97431539.cms">Electronics export from India to cross ₹1.28 lakh crore next fiscal: MoS IT</a> <a target="_blank" class="c-link c-message_attachment__title_link" href="https://www.businessinsider.in/business/news/70-plus-indian-startups-show-exit-door-to-21k-techies-more-pink-slips-coming/articleshow/97411761.cms">70-plus Indian startups show exit door to 21K techies, more pink slips coming</a>

'Samsung Pay' to become 'Samsung Wallet' in India on Jan 31

<ul><li>Poco X5 stands out as a top-tier 5G smartphone priced below ₹20,000.</li><li>iQOO Z6 is another compelling option for those in the market for a 5G smartphone.</li><li>There are options by makers synonymous with the category, the likes of Realme and Redmi, as well.</li></ul>In the fast-evolving world of smartphones, the advent of 5G technology has brought about significant advancements in connectivity and performance. With an increasing number of users seeking affordable options to experience the power of 5G, Business Insider India presents a comprehensive guide to the best 5G smartphones available in the sub-₹20,000 price range. While the market is flooded with a plethora of options, not all devices offer a satisfying user experience. Our curated list cuts through the clutter, highlighting the top contenders that strike the perfect balance between price and performance. These devices not only provide access to lightning-fast 5G networks but also boast of impressive specifications and features that cater to the needs of tech enthusiasts and budget-conscious consumers alike. From stunning displays and powerful processors to versatile cameras and long-lasting batteries, these smartphones deliver an exceptional blend of value and functionality. Continue reading to discover some of the best 5G smartphones in the under-₹20,000 price range. <cmsannotation type="cmsannotation" annotationid="Poco X5 — ₹17,315" comment="subhead" text="Poco X5 — ₹17,315">Poco X5 — ₹17,315</cmsannotation> The Poco X5 is a 5G phone that offers great value for its price. With a 5,000mAh battery, it provides a day's worth of usage and comes with a 33W fast charger. Powered by a <keyword id="1246180" type="General" weightage="80" keywordseo="snapdragon" source="Orion">Snapdragon</keyword> 695 chipset, it delivers decent performance, although graphically-demanding games may require lower settings. The phone features a 6.67-inch Full HD+ Super AMOLED display with a 120 Hz refresh rate and Corning Gorilla <keyword id="6569409" type="General" weightage="50" keywordseo="glass" source="Orion">Glass</keyword> protection. It also includes a headphone jack and a single speaker. Overall, the Poco X5 is a compelling option in the under ₹20,000 segment, providing 5G connectivity, a good display, and reliable battery life. <cmsannotation type="cmsannotation" annotationid="iQOO Z6 — ₹13,999" comment="subhead" text="iQOO Z6 — ₹13,999">iQOO Z6 — ₹13,999</cmsannotation> The iQOO Z6 5G is a highly-recommended option, offering impressive features and performance. Powered by a Qualcomm Snapdragon 695 processor, it delivers lag-free performance for basic tasks and casual gaming, though graphically-demanding games may require lower settings. The device stands out with its 120Hz LCD display, which is vibrant and measures 6.58 inches. It has a 5,000mAh battery with 44W fast-charging support. In terms of photography, it captures saturated images and delivers decent shots for social media. Additionally, iQOO provides long-term software support with two years of major Android updates and three years of security patches, making it a future-proof choice. <cmsannotation type="cmsannotation" annotationid="Realme 10 Pro — ₹18,999" comment="subhead" text="Realme 10 Pro — ₹18,999">Realme 10 Pro — ₹18,999</cmsannotation> The Realme 10 Pro is a 5G smartphone that offers a well-rounded experience. With a large 6.7-inch LCD display that refreshes at 120 Hz and minimal bezels, it provides an immersive and vibrant viewing experience. Powered by Qualcomm's Snapdragon 695 SoC, it handles basic tasks and casual games smoothly. The camera performance is decent, delivering usable shots. The phone features a 5,000mAh battery, which can last a whole day with light usage, and it supports 33W fast charging for quick top-ups. <cmsannotation type="cmsannotation" annotationid="Redmi Note 12 — ₹17,999" comment="subhead" text="Redmi Note 12 — ₹17,999"><keyword id="2351029" type="General" weightage="50" keywordseo="redmi-note" source="Orion">Redmi Note</keyword> 12 — ₹17,999</cmsannotation> The Redmi Note 12 is a Xiaomi phone that offers a reliable option for users. Powered by the new Snapdragon 4 Gen 1 chipset, it provides fast performance for day-to-day tasks and is more efficient than phones with Snapdragon 695 SoC. It features a 5,000mAh battery, which is common among affordable phones, and supports 33W charging, taking over an hour to fully charge. The phone boasts of a 6.7-inch AMOLED screen with a 120Hz refresh rate for smoother scrolling. However, the camera performance is average, with decent shots in daylight. <cmsannotation type="cmsannotation" annotationid="Samsung M14 5G — ₹14,990" comment="subhead" text="Samsung M14 5G — ₹14,990"><keyword id="10591" type="General" weightage="80" keywordseo="samsung" source="Orion">Samsung</keyword> M14 5G — ₹14,990</cmsannotation> The <keyword id="173725" type="General" weightage="50" keywordseo="samsung-galaxy" source="Orion">Samsung Galaxy</keyword> M14 5G is available at a starting price of ₹14,999. Customers can enjoy a discount of ₹1,500 on using an HDFC Bank credit card, and up to ₹14,200 exchange discount if purchased on Amazon. The phone features a 6.6-inch Full-HD+ LCD screen with a 90 Hz refresh rate. It is equipped with a triple rear-camera setup, including a 50MP main camera, and a 13MP front camera for selfies. Powered by an Exynos 1330 processor, the device houses a massive 6,000mAh battery with 25W fast-charging support. SEE ALSO: <a href="https://www.businessinsider.in/tech/news/samsung-galaxy-a34-5g-review-a-mid-range-marvel/articleshow/100564038.cms">Samsung Galaxy A34 5G review: A Mid-range marvel</a> <a href="https://www.businessinsider.in/tech/news/google-opens-ai-search-experiment-to-selected-users-for-testing-heres-how-you-can-sign-up/articleshow/100519280.cms">Google opens AI search experiment to selected users for testing - here’s how you can sign up</a>

You Searched For "samsung signature credit card" and got 12 results

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