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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

<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>The <keyword id="6511646" type="General" weightage="50" keywordseo="amazon-summer-sale" source="Orion">Amazon Summer sale</keyword> brings discounts across a wide range of products.</li><li>The e-commerce giant has announced discounts, exchange offers, and bank offers for smartphones.</li><li>In this post, we look at some of the best offers for smartphones on Amazon.</li></ul>Amazon is currently hosting its Summer Sale, offering discounts across a wide range of products, including <a href="https://www.businessinsider.in/tech/news/best-mobile-phone-deals-under-10000-amazon-sale/articleshow/91312538.cms">smartphones</a>, <a href="https://www.businessinsider.in/business/news/amazon-summer-sale-2022-best-laptops-deals/articleshow/91252017.cms">laptops</a>, <a href="https://www.businessinsider.in/tech/news/best-deals-on-fitness-bands-in-india/articleshow/91310971.cms">wearables</a>, <a href="https://www.businessinsider.in/tech/news/amazon-summer-sale-best-deals-and-offers-on-kitchen-appliances/articleshow/91264448.cms">home appliances</a> and more. As part of the sale, the e-commerce giant has partnered with ICICI Bank, RBL Bank and Kotak Bank to offer a 10% discount on debit and credit card transactions. If you are in the market for a smartphone, it is worth considering the below devices that are currently available at a discounted price. In addition to the discount and bank offers, Amazon has also announced exchange offers and no-cost EMI options. <cmsannotation type="cmsannotation" annotationid="iPhone 13" comment="subhead" text="iPhone 13">iPhone 13</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09G9HD6PD" comment="amazoncard" text="B09G9HD6PD">B09G9HD6PD</cmsannotation> The iPhone 13, the latest flagship device from Apple is currently available for ₹66,900, down from its original price of ₹79,900. In addition to the discount, users can also avail up to ₹17,300 off on exchange. The device comes with a 6.1-inch OLED Super Retina display and is powered by the A15 Bionic chipset. It features a dual camera setup at the back and comes with a 12MP selfie camera. <cmsannotation type="cmsannotation" annotationid="OnePlus 9 Pro 5G" comment="subhead" text="OnePlus 9 Pro 5G">OnePlus 9 Pro 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B089MS7D9K" comment="amazoncard" text="B089MS7D9K">B089MS7D9K</cmsannotation> The OnePlus 9 Pro is a flagship smartphone from OnePlus and is currently available for ₹47,999, down from its original price of ₹64,999. It features a 6.7-inch Quad HD+ AMOLED display and is powered by the Snapdragon 888 chipset. The device features a quad camera setup at the back and comes with a 16MP selfie camera. It is powered by a 4,500mAh battery with 65W fast charge support. Customers can avail an additional ₹1,000 discount using the bank offers. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy S20 FE 5G" comment="subhead" text="Samsung Galaxy S20 FE 5G"><keyword id="10591" type="General" weightage="100" keywordseo="samsung" source="Orion">Samsung</keyword> Galaxy S20 FE 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B08VB57558" comment="amazoncard" text="B08VB57558">B08VB57558</cmsannotation> The Samsung Galaxy S20 FE is currently available for ₹34,990, down from its original price of ₹47,999. The device features a 6.5-inch Full HD+ Super AMOLED display and is powered by the Snapdragon 865 chipset. It features a triple camera setup at the back and a 32MP selfie camera. It is powered by a 4,500mAh battery with 25W fast charging support. Customers can avail an additional ₹1,000 discount using the bank offers. <cmsannotation type="cmsannotation" annotationid="Xiaomi 11T Pro 5G" comment="subhead" text="Xiaomi 11T Pro 5G">Xiaomi 11T Pro 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09Q19P1VH" comment="amazoncard" text="B09Q19P1VH">B09Q19P1VH</cmsannotation> The Xiaomi 11T Pro 5G is currently available for ₹37,999, down from ₹39,999. It features a 6.67-inch Full HD+ AMOLED display and is powered by the Snapdragon 888 chipset. The device features a triple camera setup at the back and comes with a 16MP selfie camera. It is powered by a 5,000mAh battery with 120W fast charging support. Customers can avail a discount of ₹1,000 using the available coupon on Amazon and an additional discount of ₹5,000 using bank offers. This brings the effective price of the device to ₹31,999. <cmsannotation type="cmsannotation" annotationid="iQOO 9 Pro 5G" comment="subhead" text="iQOO 9 Pro 5G">iQOO 9 Pro 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B07WJVZZVY" comment="amazoncard" text="B07WJVZZVY">B07WJVZZVY</cmsannotation> The iQOO 9 Pro 5G is currently available for ₹64,990. It features a 6.78-inch Quad HD+ LTPO AMOLED display and is powered by the latest Snapdragon 8 Gen 1 chipset. It features a triple camera setup at the back and comes with a 16MP selfie camera. The device is powered by a 4,700mAh battery and comes with a 120W fast charging support. Customers can avail a discount of ₹2,000 using the available coupon on Amazon and an additional discount of ₹6,000 using bank offers. This brings the effective price of the device to ₹56,990. <cmsannotation type="cmsannotation" annotationid="Xiaomi 11 Lite NE 5G" comment="subhead" text="Xiaomi 11 Lite NE 5G">Xiaomi 11 Lite NE 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09G38DT4B" comment="amazoncard" text="B09G38DT4B">B09G38DT4B</cmsannotation> The Xiaomi 11 Lite NE 5G is currently available for ₹23,999, down from its original price of ₹26,999. It features a 6.55-inch Full HD+ AMOLED display and is powered by the Snapdragon 778G chipset. It features a triple camera setup at the back and a 20MP selfie camera. It is powered by a 4,250mAh battery with 33W fast charging support. Customers can avail a discount of ₹2,500 using bank offers. <cmsannotation type="cmsannotation" annotationid="Oppo F19 Pro+ 5G" comment="subhead" text="Oppo F19 Pro+ 5G">Oppo F19 Pro+ 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B08LRF1J9R" comment="amazoncard" text="B08LRF1J9R">B08LRF1J9R</cmsannotation> The Oppo F19 Pro+ 5G is currently available for ₹23,400, down from its original price of ₹25,990. It features a 6.43-inch Full HD+ AMOLED display and is powered by the Dimensity 800U chipset. It features a quad camera setup at the back and a 16MP selfie camera. It is powered by a 4,310mAh battery with 50W fast charging support. Customers can avail a discount of ₹1,000 using bank offers. <cmsannotation type="cmsannotation" annotationid="Samsung Galaxy M32 5G" comment="subhead" text="Samsung Galaxy M32 5G">Samsung Galaxy M32 5G</cmsannotation> <cmsannotation type="cmsannotation" annotationid="B09CGJK2HG" comment="amazoncard" text="B09CGJK2HG">B09CGJK2HG</cmsannotation> The Xiaomi 11 Lite NE 5G is currently available for ₹17,999, down from its original price of ₹20,999. The device features a 6.5-inch LCD display and is powered by the Dimensity 720 chipset. It features a quad camera setup at the back and a 13MP selfie camera. It is powered by a 5,000mAh battery with 15W fast charging support. Customers can avail a discount of ₹1,000 using bank offers. DISCLAIMER: The Insider Picks team writes about stuff we think you'll like. Business Insider has affiliate partnerships, so we get a share of the revenue from your purchase. SEE ALSO: <a href="https://www.businessinsider.in/tech/news/best-deals-on-fitness-bands-in-india/articleshow/91310971.cms">Amazon Summer Sale 2022: Best deals on fitness bands</a> <a href="https://www.businessinsider.in/tech/news/best-deals-and-offers-on-smartwatches/articleshow/91308958.cms">Best deals and offers on smartwatches during Amazon Summer sale</a> <a href="https://www.businessinsider.in/tech/news/amazon-summer-sale-here-are-top-deals-on-smartphones-smartwatches-and-truly-wireless-earphones/articleshow/91252922.cms">Amazon Summer Sale – here are top deals on smartphones, smartwatches and truly wireless earphones</a>

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<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. SEE ALSO: <a href="https://www.businessinsider.in/business/news/here-are-the-top-10-companies-in-india-as-per-market-valuation/slidelist/102129586.cms">RIL to HDFC Bank to ITC – Here are the 10 most valuable Indian companies</a> <a href="https://www.businessinsider.in/business/news/hdfc-bank-and-swiggy-launch-co-branded-credit-card-to-offer-discount-to-customers/articleshow/102133212.cms">HDFC Bank and Swiggy launch co-branded credit card – cashback, offers and more</a> <a href="https://www.businessinsider.in/tech/mobile/news/samsung-galaxy-m34-5g-mobile-review/articleshow/101863069.cms">Samsung Galaxy M34 5G review – a sub-₹20,000 phone with good battery life</a>

Samsung heats up the foldables segment with the Galaxy Z Fold 5 and the Galaxy Z Flip 5

<ul><li>Buyers can pre-book <keyword id="696369" type="General" weightage="80" keywordseo="galaxy-z" source="Orion">Galaxy Z</keyword> Fold4, and Galaxy Z Flip4 on the official website of <keyword id="10591" type="General" weightage="100" keywordseo="samsung" source="Orion">Samsung</keyword>.</li><li>The company is offering a huge discount on 1 year Samsung Care Plus policy along with cashback on using HDFC bank cards.</li><li>Buyers pre-booking Flip 4 will get Galaxy Watch4 Classic 42mm worth ₹31,999 for just ₹2,999.</li></ul>Samsung India on Tuesday announced that the fourth generation foldable smartphones, Galaxy Z Fold4 and Galaxy Z Flip4, are now open for pre-book online and across retail stores in the country. Available in Bora Purple, Graphite and Pink Gold colours, Galaxy Z Flip4 is priced at ₹89,999 for the 8GB+128GB variant and ₹94,999 for the 8GB+256GB variant. The 'Bespoke Edition' that offers glass colours and frame options will be available on Samsung Live and Samsung Exclusive Stores for ₹97,999, the company said in a statement. Available in Graygreen, Beige and Phantom Black colours, Galaxy Z Fold4 is priced at ₹154,999 for the 12GB+256GB variant and ₹164,999 for the 12GB+512GB variant. Consumers can also purchase 12GB+1TB variant exclusively on Samsung Live and Samsung Exclusive Stores for ₹184,999. "Customers who pre-book Galaxy Z Fold4 will get Galaxy Watch4 Classic 46mm BT worth ₹34,999 at just ₹2,999. Additionally, customers can get ₹8,000 cashback using HDFC credit or debit cards or can avail Upgrade Bonus of ₹8,000," said Samsung India. Those who pre-book Flip4 will get Galaxy Watch4 Classic 42mm BT worth ₹31,999 at just ₹ 2,999. Pre-book customers will also get 1 year Samsung Care Plus worth ₹11,999 at ₹6,000. "With such unparalleled mobile experiences, our latest behaviour-shifting Galaxy Z series will revolutionise the way users interact with their smartphones," said Aditya Babbar, Senior Director and Head, Product Marketing, Samsung India. Galaxy Z Flip4 comes with the latest Snapdragon 8+ Gen1 processor and 10 per cent higher battery capacity at 3700mAh. Touted as the toughest foldables ever, the Flip4 and Fold4 come with armor Aluminum frames and hinge cover, along with exclusive Corning Gorilla Glass Victus+ on the cover screen and rear glass. "Content is even more immersive and distinctive on the 7.6-inch main screen of Fold4 with improved 1Hz-120Hz adaptive refresh rate and less visible Under Display Camera (UDC)," said the company. SEE ALSO: <a href="https://www.businessinsider.in/tech/news/android-13-is-officially-here-heres-whats-new-and-a-list-of-supported-devices/articleshow/93583085.cms">Android 13 is officially here - here’s what’s new and a list of supported devices</a> <a href="https://www.businessinsider.in/india/news/made-in-india-gun-used-for-1st-time-for-ceremo[%E2%80%A6]-at-red-fort-on-independence-day/articleshow/93567573.cms">Made-in-India gun used for 1st time for ceremonial salute at Red Fort on Independence Day</a>

Samsung Galaxy Z Fold4 and Galaxy Z Flip4 pre-booking starts today in India - check all offers here

<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.

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