What is Our Differentiating Definition of Product?

first_imgAnother Inflection PointOf all the market transitions hitting the developed world retail industry these days, perhaps the one that will require the greatest industry change – and have the most defining competitive impact – will be the redefinition of product.For a handful of industry leaders, it’s a key component of today’s competitive strategy.For most others – consumed, as they are, by omni-channel integration and digital strategies and mountains of data – it seems to be a bridge too far.At the heart of this issue is an all-too-familiar reality: physical products – at nearly all price points and in nearly all segments – have been commoditized.It’s happened for several reasons. Private label goods offer equal performance at lesser price. Global sourcing enables the immediate copying and delivery (at volume) of hot trends. The internet brings a searing transparency of price and specifications. The quality gaps between good, better and best have been slimmed, even erased.And whether or not multiple retailers have the same brand and SKU, many have the same category . . . and dozens have the same look.The results of this commoditization are seen in average selling prices. In regular-price sell-through percentages. In the depth of markdowns it takes to clear. SKU delivery and subscription services – of everything that’s needed regularly, from milk to diapers to the moss control and bark chips I order every March;SKU usage education – seminars, lessons, even tours on topics ranging from fashion advice to consumer electronics to food;Health and family wellness services – and not only for pharmacies, but for grocery and mass merchandising;So-called “federated” services with other brands – not only your winter-in-Florida outfit, but your flight, resort hotel and starred-restaurant reservations;Home management services – ranging from care to repair.Some services will be a means of locking in user loyalty. Others will create new revenue streams.And it will be through this value-added approach to retailing that brands will survive and ultimately thrive.It’s no surprise that Amazon has already figured this out. Case in point: Amazon Prime. This is a stunning success.In 2013, Prime’s renewal rate was a remarkable 82%.1 In the fourth quarter of 2014, Prime had 40 million US members. A report released in January by Consumer Intelligence Research Partners found that Prime members spend, on average, $1,500 on Amazon, compared to $625 per year for non-members. Prime members also shop 50% more frequently than non-members.2How does Amazon Prime bind shoppers to its brand so effectively? At the heart are the services that bind shoppers to the brand. The best example I know is their automatic deliveries of diapers in the right size as a baby grows. Think of it. No more late-night runs to the store. A retailer can no longer merchandise his or her way through today’s competitive battles.That is, with increasingly commoditized physical SKUs.But there is an alternative: the rise of services in retail and the services-led redefinition of product.As we look ahead, the operative definition of product will be a curated assortment of goods and services.Using data-driven unique insights into customer behavior, merchants will create value through: And read that again: no late-night runs to the store.Brilliant.OK, so what does this mean to the technology community? Why should the digerati care?First of all, this service creation thing is not going to be easy. Shaping the offer is not going to be easy. Monetizing is not going to be easy.It’s going to require deep, unique, tested insight into shopper behavior. Into your brand’s cohorts and personas. Into finding the leading indicators of need and demand.At the foundation of this is Big Data. And moving well beyond Big Data. Into the data analysis worlds inhabited by the leaders.Second of all, the delivery of the content that will enable the delivery of services will not be easy. This is going to be about enterprise architecture and data architecture and APIs that open data to the outside world and APIs that are accessed to bring the outside world inside.And third of all, the staffing and training and delivering services will not be easy. Those who deliver services – and this will be a people business – will be on the go. Not tethered to an aisle or a department or a check stand.The business processes of delivery will no doubt need a highly advanced level of mobile access to information and ease of use.The redefinition of product? Quite honestly, it’s a redefinition of retail.Get ready. It’s coming. 1 Forbes, 2014, Kantar Research 2014.2 Consumer Intelligence Research Partners, January 2015.*Other Names and brands may be claimed as the property of others.last_img read more

India vs Sri Lanka, 1st Test Day 2: As it happened

first_imgHello and welcome to the coverage from Day 2 of the first Test between Sri Lanka and India in Galle.ScorecardStumps: India are in the driver’s seat after the two wickets Ashwin and Mishra snared at the close of play. Sri Lanka were 5 for 2 and trail by 187 runs with Sangakkara and Dhammika at the crease. India have a great chance of wrapping up the Test inside three days and take lead in the series. Thanks for tuning in.   India (1st innings):117.4 overs: India’s first innings has come to an end with Varun Aaron becoming Kaushal’s fifth scalp. The visitors were all out for 375 with a lead of 192 runs.  108.5 overs: Wriddhiman Saha pulls a short one from Pradeep to midwicket to bring up his maiden Test fifty. 103.4 overs: Out. Amit Mishra comes down the track but misses and gets castled by Kaushal, who gets his fourth wicket. India have been losing wickets but the lead has extended past 150. 99.2 overs: Out. Harbhajan Singh shuffles across the crease and misses as Kaushal castles him. India 331 for 7. 95 overs: Rangana Herath comes back to the attack and there is some turn for the left-arm spinner as he squares up Harbhajan Singh twice. India 312 for 6. 91 overs (Tea): The Sri Lankans did well in the second session to pull back things and thanks to the offspinner Kaushal. He struck in quick succession by dismissing Kohli and Rahane and that is when the hosts bounced back. India were 304 for 6 and lead by 121 runs. 89.5 overs: Out. Nuwan Pradeep gets his second wicket as he castles R Ashwin with a full pitched delivery. The delivery after pitching swung in a bit and Ashwin going for the drive completely missed. advertisementRavi Ashwin is the new man in. Can he deliver with the bat this time?  87.6 overs: Out. Dhawan departs. Nuwan Pradeep gets his first wicket. The new ball does the trick. The left-hander drags one onto his stumps and makes the long walk back. It has been an excellent effort from the Indian opener. India 294 for 5.  81 overs: After two wickets, the Sri Lankan spinners have started to look threatening and captain Mathews persisting with two spinners. India 270 for 4.75.2 overs: Out. Kaushal strikes again to dismiss Ajinkya Rahane for a duck. Tossed up by Kaushal and Rahane half forward in his defense gets trapped infront of the wickets. 73.6 overs: Kohli exits after reaching to his hundred, falls on 103 trapped lbw by offspinner Kaushal. India 255 for 3 and lead by 73 runs. 73.2 overs: Virat Kohli drives Kashal through the covers to bring up his 11th Test hundred. He raises his bat and the dressing room applauds the hundred. 62.6 overs (Lunch): That will be lunch on day two with India on 227 for 2 and a lead of 44 runs with Dhawan and Kohli unbeaten on 110 and 86 respectively. The first session completely belonged to the tourists with Dhawan and Kohli stitching together an unbeaten stand of 199 runs. 56.6 overs: Dhawan drives through the covers and gets to his century, his fourth in Test cricket. The left-hander looked at ease right from the start of his innings and also was supported well by skipper Kohli at the other end. 47 overs: The scoreboard has been ticking but nothing in boundaries as Kohli and Dhawan are being contended with singles and twos. Rangana Herath not getting the expected turn off the track. India 159 for 2. 37.4 overs: Virat Kohli taps one to the midwicket for a single to bring up his fifty off 90 balls. Both the batsmen have made quiet start to the morning. India 140 for 2.Day 1 round-up: Offspinner Ravichandran Ashwin spun a web around Sri Lankan batsmen with a six-wicket haul as India dismissed the hosts for a paltry 183 in the first innings to gain the upperhand on the opening day. India’s premier spinner recorded his best overseas figures of 6 for 46 in 13.4 overs to trigger a collapse that saw the islanders being shot out in just 49.4 overs in their first innings after skipper Angelo Mathews opted to make first use on a track that had turn on offer on the first day itself.At stumps, India looked in command as they reached 128 for 2 after opener KL Rahul (7) and Rohit Sharma (9) were dismissed cheaply. Shikhar Dhawan seemed to continue from where he left off in Bangladesh as he stroked his way to an unbeaten 53 while skipper Virat Kohli looked supremely confident during his undefeated knock of 45.India are only 55 runs short of Sri Lanka’s first innings total and will be looking to build a sizeable lead on a pitch that is offering substancial turn at times. The first day panned out exactly in the manner that skipper Kohli might have wanted it to be.advertisementIshant Sharma (1 for 30 in 11 overs) bowled a good opening spell where he hit the deck hard to extract disconcerting bounce. One such delivery that took off from short of good length saw left-hander Dimuth Karunaratne (9) fend it awkwardly as Ajinkya Rahane took a simple of catch running forward from gully. Kaushal Silva (5) was a touch unlucky after Shikhar Dhawan earlier dropped a dolly at first slip off Varun Aaron’s (1 for 68 in 11 overs) bowling. But this time was ball that was dug short which Silva wanted to pull but hit his arm guard as Dhawan ran back to dive and take a catch. The replays showed that umpire Nigel Llong got it wrong.Once Ashwin was brought into the attack in the 12th over, he completely stamped his supremacy on the islanders. Kumar Sangakkara (5) had a forgettable first innings in his penultimate Test match as he tried to push one off-break off the back-foot which saw young Rahul take a sharp catch at silly point.With Sri Lanka reduced to 27 for 3, it became increasingly difficult for them to claw their way back into the game.last_img read more

Australia and Bangladesh hopeful tour will proceed

first_imgCricket Australia (CA) is sending its own security expert to Bangladesh to determine whether or not it is safe for the Australian team to proceed with its planned tour.The Australian team has delayed its departure to Bangladesh after being warned by its government that there was a potential security risk from militants. Australia and Bangladesh cricket officials are both hopeful the tour will still go ahead and are in talks about safety arrangements.”Our position is that we want the tour to go ahead as planned,” CA Chief Executive James Sutherland told a news conference on Sunday.”This has obviously come very suddenly and we needed to make this response.”Our preferred position is to continue the tour but the safety and security of our players and staff is the absolute priority.”Sutherland said CA’s head of security Sean Carroll was on his way to Bangladesh and would report back after meeting with local officials and assessing the risk.”The response at this stage is very much to get our head of security on the ground,” Sutherland said.”Meetings will commence on Monday. We’ll have a much better understanding there. It’s just one step at a time at the moment.”The Australians delayed their planned departure after Australia’s Department of Foreign Affairs and Trade (DFAT) issued a warning on Friday that militants in Bangladesh could be planning an attack on tourists. Bangladesh Cricket Board Chief Executive Nizam Uddin Chowdhury released a statement saying he understood Australia’s concern but was sure the team would be safe and the tour would go ahead.advertisement”There is no alarm regarding security as far as we are concerned and we have taken the opinion of all relevant agencies because safety of the Australian team is our priority, as it is with all visiting teams to Bangladesh,” he said.”The CA has stated its commitment to the series already in a media release and we are confident that the tour will commence with minimum delay.”Australia has not played a Test match in Bangladesh for a decade but were scheduled to play back-to-back Tests in Chittagong and Dhaka in October.last_img read more

Delay in govts plans to set up commercial divisions in HCs

first_imgNew Delhi, Sep 10 (PTI) Fresh delays have marred governments plans to set up commercial divisions in high courts to settle high value business disputes as part of its ease of doing business initiative as a parliamentary panel examining the proposed law has been granted another extension. The department related standing committee on Law and Personnel was to table its report in Parliament on The Commercial Courts, Commercial Division and Commercial Appellate Division of High Courts Bill, 2015 by end of July. But it was granted a months extension till August 30. Yet again the panel sought a fresh extension till November 30, which has been granted, a Rajya Sabha bulletin said. The committee has toured various states to get a feedback from people and legal experts on the various provisions of the bill. Any progress on the bill — pending in the Rajya Sabha — is now possible only in the Winter session which usually starts in the third week of November and continues till the third week of December. The Commercial Division of High Courts Bill has been pending for a long time. After being referred to a Rajya Sabha Select Committee in UPAs tenure, it was sent to the Law Commission. Based on the law panels recommendations, the present government re-drafted the bill as part of its ease of doing business in India policy. It was introduced in the Rajya Sabha in April. The introduction of the Commercial Division and Commercial Appellate Division of High Courts and Commercial Courts Bill was announced by Finance Minister Arun Jaitley in the budget speech. PTI NAB ZMNadvertisementlast_img read more

Sania-Martina in China Open quarters, Bopanna, Paes lose

first_imgThe Indo-Swiss tennis combine of Sania Mirza and Martina Hingis earned a hard-fought victory to move into the women’s doubles quarterfinals of the China Open, being played on the hard courts of the Beijing Olympic Green Tennis Center here on Wednesday.The top seeds took an hour and 17 minutes to edge past experienced Italian pair of Sara Errani and Flavia Pennetta 1-6, 6-4, 10-6. This is the second victory in as many meetings for the Indo-Swiss pair over their opponents, having beaten the Italians in New York earlier this year.But it was the end of the road for Rohan Bopanna, who with American partner John Isner, lost his men’s doubles first round in straight sets to Uruguayan-Serbian pairing of Pablo Cuevas and Viktor Troicki. The winners took just 54 minutes to easily beat Bopanna and Isner 6-4, 6-3.Sania and Martina were shocked in the first set as their service games were broken thrice. To add to that, they double faulted twice, giving easy points to the Italian pair and losing the set in a jiffy. They looked totally out of rhythm and could not even earn a single breakpoint chance.However, they fought back in the second set when they broke Sara and Flavia twice, once more than the Italians did, which was enough to win the set and push the match into the decider.The reigning Wimbledon and US Open champions proved just a tad bit better in the super tie-break to clinch the match and enter the last eight.advertisementThey will next take on German-Czech pairing of Julia Goerges and Karolina Pliskova for a place in the semis.Leander Paes, with Australia’s John Peers, had too lost his opener on Tuesday when the pair went down to Canadian-French fourth seeds Daniel Nestor and Edouard Roger-Vasselin 6-7(1), 6-4, 9-11.last_img read more

Lewis Hamilton’s fourth title more a question of when and where

first_imgThe question of whether Lewis Hamilton will win his fourth Formula One world championship this year now looks more a matter of when and where after his Japanese Grand Prix triumph on Sunday.Fifty nine points clear of Ferrari’s Sebastian Vettel with four races remaining, the Mercedes driver can wrap things up at the next race in Austin, Texas, in two weeks if everything goes to plan.Anything can happen in Formula One, but it will take a monumental collapse for the 32-year-old Briton to be overhauled by a rival whose challenge has imploded.Vettel knows the score, even if he has not given up hope entirely.”I don’t need to be a genius or a mathematician,” he said when asked about his chances.And yet Hamilton and Mercedes, a whopping 145 points clear of Ferrari in their constructors’ battle, will still cling to their mantra of one race at a time and no chickens counted until they hatch.”There’s no change in approach,” Mercedes boss Toto Wolff said on Sunday.”We’ve benefited from Ferrari’s misfortune and reliability woes in the last three races, but it doesn’t mean that we are clapping ourselves on the back. On the contrary, I think we need to continue to push.”You can see how quickly it goes with Sebastian.”Vettel had lined up in Suzuka on the front row alongside Hamilton but a humble spark plug, one of the cheapest components on a car packed with hi-tech wizardry, stopped his challenge after four laps.advertisementEngine failure in qualifying in Malaysia and a first-corner collision in Singapore put paid to any hopes of victory in those races.If Hamilton wins in Austin and the German fails to finish higher than sixth, it is game over. Mexico follows a week later and then Brazil with the chances of a decider in Abu Dhabi looking minimal.Sunday’s twist took the sting out of what was, until the August break, a close fight between four-times champion Vettel and triple titleholder Hamilton.And then Formula One went on holiday and everything changed.In the five races since the break, Hamilton has won four times and taken 118 points compared to a mere 45 for Vettel. The German had led his rival by 14 points after Hungary at the end of July.In the last four races alone, Vettel has given away 66 points to Hamilton.The Briton, who has finished his last 21 races in the points, said he could only have dreamed of holding such an advantage and credited his team for their efforts.”They’ve done a phenomenal job, reliability has really been on point,” he said.last_img read more

IPL 2019: Pooran flattered by Gayle comparison but wants to carve his own identity

first_imgKXIP head coach Mike Hesson has compared Nicholas Pooran to his illustrious West Indian teammate Chris Gayle but the youngster only wants to be “the best he can be” and justify his Rs 4.2 crore price tag in the IPL.The 23-year-old, who overcame a serious car accident in 2015, has become a sought after player in the shortest format with his exploits over the last 12 months. His first major knock in top-flight cricket, a 25-ball 53, came against India in a T20 International at Chennai five months ago.Hesson recently called him the “young Gayle” and expectations are high but Pooran is not feeling the pressure.”There is no pressure as yet. Any tournament is an opportunity. I am in a new team and just want to give my best. And to be honest, I am just trying to be the best I can be,” the left-handed wicketkeeper-batsman told PTI when asked about the flattering comparison with KXIP and Windies teammate Gayle.”It has been wonderful so far. Everyone is gelling well. It is also wonderful to have someone (Gayle) from back home as your teammate. I have picked his brains in the past and looking forward to do the same during the course of this tournament,” Pooran, who made his West Indies debut in 2016 following his success in the CPL, said.He doesn’t want to be compared but his “360 degree” game is inspired by the likes of Virat Kohli and AB de Villiers. He takes his wicket-keeping as seriously as his batting and is a self-confessed Mahendra Singh Dhoni fan.advertisement”I do look at a lot of cricketers. Virat and AB are some of the players I like to watch and learn from. I like the way how they adapt to different surfaces, different match situations. Even Chris for that matter. Amongst the other left-handed batsmen, Brian Lara is another obvious name.”Being a keeper myself, I am a big Dhoni fan as he is the best in the business. I feel I am getting better and better (even when it comes to work behind the stumps),” said Pooran.He fondly remembers his unbeaten 53 in Chennai and loves playing in India. He has only played 11 Twenty20 Internationals and made his ODI debut last month against England.Looking ahead, Pooran wants to seal his place in the West Indies’ World Cup squad.”It (the 53 in India) gave me a lot of confidence. The Indian crowd wants to be entertained and I like to entertain the crowd. I have just started playing and the immediate target is to do well for Kings XI Punjab and make a case for selection in the World Cup squad.”Pooran is scoring runs in T20 leagues around the world four years after a horrific car crash back home. At that time, he thought he may never return to the cricket field but is grateful to God for being able to play the game he loves.”The accident has surely changed the way I live my life. I am very thankful to be on the cricket field again. You never know what is going to happen when you wake up in the morning. I enjoy playing, appreciate every moment and try to do my best on the field. Off the field too, I tell people to enjoy life, it is very important,” added PooranAlso Read | Kings XI Punjab welcomes on board AajTak as the Title Sponsor for the teamlast_img read more

‘Man Utd in the pit with the rest of the sharks’

first_imgManchester United find themselves “in the pit with the rest of the sharks” when it comes to trying to lure top talents to Old Trafford, says Gary Neville.The Red Devils have already tied up a £15 million ($19m) deal for Daniel James this summer, while they are closing in on a £55m ($70m) swoop for Crystal Palace defender Aaron Wan-Bissaka.The hope is that there will be a few more additions to come, with United in need of inspiration from somewhere as they set about refreshing their squad once again. Article continues below Editors’ Picks ‘There is no creativity’ – Can Solskjaer get Man Utd scoring freely again? ‘Everyone legged it on to the pitch!’ – How Foden went from Man City superfan to future superstar Emery out of jail – for now – as brilliant Pepe papers over Arsenal’s cracks What is Manchester United’s ownership situation and how would Kevin Glazer’s sale of shares affect the club? Neville, though, has warned that landing the most coveted players in the market will not be easy, with fierce competition and inflated asking prices making life difficult for Ole Gunnar Solskjaer.The former Red Devils defender told Sky Sports: “It’s difficult to do business, it’s not easy.“Everyone knows Manchester United want players and price tags will go up.“You’ve got to try and encourage players to come to the club. Players don’t just jump to sign for any club – they do their homework and get their agents to get to work. They probably have 50 meetings before they sign for a club nowadays.“Manchester United will be in the pit with the rest of the sharks looking for the big signings.“It’s difficult for all clubs as they all want the same players. They all want Harry Maguire, every single club wants him. Everybody wants Christian Eriksen.“Players that are being bandied about, there are four or five clubs in for them.“They aren’t just going to sign for the first club, they’ll choose wisely and look at the different aspects.“Manchester United have got a big job to do in order to get a squad right for a championship challenge.“Hopefully that’ll start this summer but it’s not just bringing players in, it’s about getting some out.”Paul Pogba and Romelu Lukaku are among those generating exit talk at Old Trafford, while United are still working to put fresh terms in place with David de Gea – with the Spanish goalkeeper’s current contract set to expire in the summer of 2020.last_img read more

Senate Passes Legislation to Abolish Flogging

first_imgThe Senate, on Friday, February 15, passed three Bills to remove flogging and whipping from the country’s statute books. The Bills passed were: the Larceny (Amendment) Act 2012; the Law Reform (Flogging and Whipping) (Abolition) Act, 2012; and the Obeah (Amendment) Act 2012. Cabinet gave approval for the drafting of the Bills, which are in support of the Government’s commitment against torture and international protocols against human rights violations. The practice of whipping and flogging ceased in Jamaica’s penal institutions in 1997 and since that time, the courts have not handed down sentencing with those stipulations. In opening the debate, Minister of Justice, Senator the Hon. Mark Golding, stated that flogging and whipping are considered to be cruel, inhumane or degrading punishment under international law. “It is clear that the statute of provisions in our legislation, which impose a penalty of whipping or flogging, contravene both international covenant on civil and political rights and the American Convention on Human Rights, both of which are instruments to which Jamaica is a state party,” he stated. He added that flogging and whipping date back to slavery and have no place in a modern society. “The vestigial colonial legislation, which imposes a penalty of whipping or flogging, must now be repealed in order to mark a symbolic break with that ugly and brutal part of our history,” Senator Golding said. In his remarks, Senator Lambert Brown described flogging and whipping as “barbaric and brutal” and should not be part of the punishment imposed by society. “Are we saying there should be no justice? No, but the route to the justice must not come through barbarity. The route to justice shouldn’t be brutal. I believe there is a route to justice that is being encouraged now by the Ministry of Justice called Restorative Justice. This is the route,” he stated. In supporting the bills, Opposition Senator, Alexander Williams, said Jamaicans should not see the removal of flogging and whipping as a softening of the attitude on crime. “We don’t want convicted criminals to remain in a criminal state of mind after they have served their term of imprisonment or paid the price. We don’t want convicted persons to permanently carry the scars of their crime in the future because what that will tend to do is to cause them to continue a life of crime,” Senator Williams stated.last_img read more

Lenworth Fulton is New RADA CEO

first_imgAfter 12 years at the helm of the Jamaica 4-H Clubs, Lenworth Fulton will assume the role of Chief Executive Officer of the Rural Agricultural Development Authority (RADA) as of May 1.Agriculture and Fisheries Minister, Hon. Roger Clarke, officially welcomed Mr. Fulton to his new post, during a press briefing on April 24 at his Hope Gardens offices in St. Andrew.Mr. Clarke said the new CEO is quite knowledgeable about the “inner workings of RADA”, having been a member of the board for some time. “He is in familiar territory and I hope, and expect, that he will bring to bear all the expertise that he [has gained] at 4-H,” he stated.The Agriculture Minister said Mr. Fulton’s appointment also presents a “grand opportunity” to establish a greater linkage between the 4-H Clubs and RADA, in an effort to increase youth involvement in the agricultural sector.Mr. Fulton brings to RADA, a wealth of experience in management, agriculture and economics. He is a graduate of the Jamaica School of Agriculture, now College of Agriculture, Science and Education (CASE) and Tuskegee University in the United States, where he obtained a Diploma in General Agriculture and a Bachelor of Science in Economics, respectively. Mr. Fulton replaces outgoing Acting CEO of RADA, Harold Spaulding, who retires at the end of this month.The Minister also said farewell to Mr. Spaulding, pointing out that he “has served the organisation with distinction”.“He came to us when the chips were down and he came to the fore and steadied the ship and I want to thank him for his contribution over the past few months,” Mr. Clarke remarked. In the meantime, the Minister also announced the appointment of five new members to the board of RADA.They are: President and Chief Executive Officer, Caribbean Vibes Limited, Bevon Morrison; Director of the Agricultural Marketing Information Division, Ministry of Agriculture and Fisheries, Michael Pryce; Executive Assistant to the Minister, Natalie Johnson; President, International Community Institute, Valrie Dixon; and Development Consultant,Janet Bedasee.Minister Clarke said the new members will bring a wealth of expertise to the agency.“They bring to the table different areas of expertise, but their commitment towards the strengthening of RADA is something that will be brought to bear as we move forward,” he stated.Mr. Clarke informed that the appointments were necessary, as there were a number of vacant positions on the board.He further remarked that the addition will bring “balance to the table”, pointing out that of the five new members, four are women. He noted that an increase in female and youth participation in the agricultural sector forms part of the Ministry’s thrust.By Athaliah Reynolds-Baker, JIS Reporterlast_img read more

More than Rs 1 lakh crore in PMJDY accounts

first_imgBhopal: More than Rs 1 lakh crore have been deposited in over 36 crore bank accounts opened under the Pradhan Mantri Jan Dhan Yojana (PMJDY), reveals an RTI. Chandrashekhar Gaur, a social worker from Neemuch district of Madhya Pradesh, filed the RTI seeking the details of the PMJDY from the Ministry of Finance. The reply to his RTI application revealed that till July 17, 2019, around 36.25 crore accounts were opened under the scheme in which Rs 1,00,831 crore have been deposited. Also Read – Uddhav bats for ‘Sena CM’ The RTI also revealed that five years after the launch of the scheme, there were 4.99 crore or 14 per cent accounts which still have zero balance in them. PMJDY is financial inclusion programme of the Central Government, which is applicable to 20 to 65 years age group, that aims to expand and make affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions. The scheme is primarily aimed at the poorer sections who are unable to have access to the banking system. Under the programme, the accounts are opened at zero balance and they do not become dormant even if deposits are not made into it. The scheme was launched by Prime Minister Narendra Modi on August 15, 2014. It has also entered the Guinness World Records for most bank accounts.last_img read more

Wapekeka child texted her friend goodbye and then was gone

first_imgWillow FiddlerAPTN National NewsA text to a friend saying goodbye.That’s the last thing 12-year old Jenera Roundsky texted before her friend ran to save her.But it was too late.According to Wapekeka First Nation spokesperson Joshua Frogg, Roundsky had been in care of Tikinagan Child and Family Services.She was identified as high-risk for suicide after two other 12-year-old girls took their lives in January. She was sent out to receive specialized care and sent home to the community about three weeks ago said Frogg.“Against the advice of a psychiatrist that she was seeing. But Tikinagan insisted she was ready to come home,” said Frogg in a phone call with APTN National News.Wapekeka spokesperson Joshua Frogg. Photo: APTNRoundsky was found at the community’s outdoor hockey rink Thursday night. She was taken to the nursing station with serious trauma and pronounced dead at 11:17 pm.Wapekeka, a fly-in Oji-Cree community of 430 members, sits about 600 km north of Thunder Bay.“In shock, that’s all I can say right now,” said Chief Brennan Sainnawap in a phone call with APTN Wednesday morning.The young child was living with her grandparents Elsie and Donny Roundsky. Her father Vernon “Baby Boy” Roundsky died by suicide in 2011 when she was just six-years-old.Frogg said chief and council was concerned because they hadn’t seen a plan of care or safety plan prior to Roundsky returning home just weeks ago.“We don’t have enough resources to monitor people 24/7 here. We try but we don’t have enough resources,” said Frogg.The community has been working to get the necessary resources after the tragic deaths of Jolynn Winter on Jan. 8 and Chantal Fox on Jan. 10. Both girls died by suicide. Immediately after those deaths, high-risk youth were identified and flown out of the community to receive specialized care. Frogg said some are still out in different locations across the country including British Columbia, London and Edmonton.Jolynn Winter, left, and Chantel Fox.“If they’ve received the appropriate care they should be home but there should be a plan of care and a health and safety plan in place for them,” said Frogg.Wapekeka submitted a proposal to Health Canada in July 2016 to fund a suicide prevention program after a suicide pact involving several youth was discovered. That proposal was denied funding.Health Canada has since committed $380,000 to Wapekeka but Frogg said they have yet to see it.“It’s already June. We’re stressed to our bones to try to help our people here, help our children,” he said.Mental health counsellors have been in the community on a rotating basis since January but Frogg said they now need more immediate support.“This is just devastating for the community. We’re trying to recuperate and we’re trying to stabilize our community and now we’re just back to where we were,” said Frogg.“It is concerning and it is sad that this child fell through that crack.”wfiddler@aptn.calast_img read more

The Sale of Sex Dolls in Morocco is a Hoax

Rabat – The rumor about the sale of sex dolls in Casablanca’s Derb Omar have quickly spread throughout Morocco and elsewhere, only to turn out to be a mere hoax.Several social media users have shared photos of sex dolls in commerce groups on Facebook. Moroccan social media users’ reaction oscillated between shock, denunciation and laughter at the joke.Soon the recurrences of these posts made the joke seem convincing, creating a massive controversy in the Internet.The Moroccan Arabic-speaking news outlet Kifache interviewed the chairman of Derb Omar Traders in Casablanca, Abderrazak Lazrag who denounced the rumor.Lazrag asserted that if this were true, he would be the first to know about it since the nature of his position requires that he should know all commodities in the popular market.CNN Arabic also interviewed another merchant in the same area. He is reported in the news website to point out that this is not the first time this rumor comes forth. He also mentioned that this could come out from the customers confusing the  mannequins used by the merchants to display clothes with sex dolls.The Moroccan authorities have sent units to Derb Omar area to investigate the rumor but have not reported any arrests as of now. read more

Gunmen in central Somalia kill driver of UN food convoy

The United Nations World Food Programme (WFP) has denounced the killing of one of its truck drivers in Somalia – the second incident of its kind this year – by militiamen who stopped the agency’s food convoy at an illegal checkpoint in the central part of the strife-torn nation. “We condemn this senseless killing and, once again, urge all parties to ensure the safe passage of humanitarian staff and cargo across the country,” said WFP Somalia Country Director Peter Goossens. Yesterday’s attack occurred after the convoy of 12 WFP-contracted trucks, loaded with food, was stopped at an illegal checkpoint, 30 kilometres north of Galkayo in Mudug region, by militiamen who demanded money. A gunman opened fire on the trucks, and shot one of the drivers who later died in hospital. The 275 metric tons of WFP food aboard the trucks was not looted. UN humanitarian chief John Holmes also spoke out against the attack, which he said “underlines yet again the dangerous and volatile environment aid workers operate in.” This is the second WFP convoy driver to be killed this year in Somalia, where a deteriorating security situation has made the delivery of assistance to vulnerable people increasingly difficult. On 13 February, the leader of a convoy of WFP-contracted trucks was shot dead by a militiaman in southern Somalia. WFP warned that nutrition indicators across Somalia are rising to “alarming” levels, with acute malnutrition among young children in some areas, including the Central Region, the Shabelles, Hiran and the southern Nugal region in Puntland, reaching 17 per cent, which is above the emergency threshold. The humanitarian situation in the country – which has not had a functioning government since 1991 – has been getting worse in recent months due to rising insecurity, soaring food prices and a worsening drought. While WFP had been aiming to feed some 1.4 million people in Somalia, that number is rising as a result of increasing needs. In addition, WFP this month entered into a partnership with the non-governmental organization, CARE International, to feed an additional 700,000 people in central Somalia between June and August. “The central region has tipped into a major humanitarian crisis, and we are partnering with CARE to help deliver food to everyone who needs it,” Mr. Goossens said. The region has been particularly hard hit by civil unrest, coupled with a recent increase in major security incidents. Meanwhile, food riots erupted this week in the Somali capital, Mogadishu, due to soaring prices of items such as cereal, which have soared by up to 375 per cent in the last year and are now at historic highs.In a related development, the Secretary-General’s Special Representative for Somalia has voiced optimism ahead of talks between the Transitional Federal Government (TFG) and the Alliance for the Re-Liberation of Somalia, scheduled to begin in Djibouti on 10 May. Ahmedou Ould-Abdallah said he was happy for Somalia as “this is the first time that the Somali parties have agreed to meet with limited number of delegates, on a scheduled date within a specified time frame and at a planned venue.” “This is a clear indication that Somalis are willing to respect their commitments when they believe in what they are doing,” he added. The meeting, which will be attended by seven delegates from each party, is expected to help advance the agenda for peace and will then be enlarged by a further 15 participants from each side. “The overall objective of this meeting is to prepare the ground for a peaceful and brotherly relationship between Somalis and to initiate the first step towards real stability, true peace and sincere reconciliation based on forgiveness,” Mr. Ould-Abdallah said, adding that progress in these areas should pave the way for concrete UN assistance for durable stability in Somalia. 8 May 2008The United Nations World Food Programme (WFP) has denounced the killing of one of its truck drivers in Somalia – the second incident of its kind this year – by militiamen who stopped the agency’s food convoy at an illegal checkpoint in the central part of the strife-torn nation. read more

Security Council Ban deplore deadly terrorist bombing in Syrian capital

In a statement issued by his spokesperson, Mr. Ban extended his condolences to the Government of Syria and the victims’ families, and wished a speedy recovery for those injured in the attack.“The Secretary-General calls for the perpetrators of this crime to be brought to justice,” it added.In a statement to the press read out by Ambassador Michel Kafando of Burkina Faso, which holds the rotating Council presidency, the 15-member body also offered its condolences to the families of the victims and the Government and people of Syria.“The members of the Security Council underlined the need to bring perpetrators, organizers, financiers and sponsors of this reprehensible act of terrorism to justice and urged all States… to cooperate actively with the Syrian authorities in this regard.”Mr. Kafando said the Council reminded States that, when trying to combat terrorism, they must ensure any measures they take comply with international human rights, refugee and humanitarian law. 27 September 2008Secretary-General Ban Ki-moon and the Security Council have strongly condemned today’s terrorist bombing on the outskirts of the Syrian capital, Damascus, which has reportedly claimed the lives of at least 17 civilians. read more

Swiss probe on LTTE money laundering

Jeannette Balmer, a spokeswoman for the prosecutor’s office told the paper the aim of the investigations, due to take place in autumn, was to strengthen the money laundering case against the 12 Swiss Tamils who were . The three-decade civil war in Sri Lanka ended in May 2009 after Tamil Tiger leader Velupillai Prabhakaran and the last of his soldiers made their final stand against the Sri Lankan army. Casualties among the Tamil civilian population trapped in the disputed Vanni enclave shocked the world. The Swiss Federal Prosecutor’s Office will take its investigation into suspected money laundering by 12 members of the Swiss Tamil Tigers (LTTE) to the Netherlands and Sri Lanka, it was reported on Sunday.The NZZ am Sonntag newspaper reported that in the Netherlands, Swiss prosecutors planned to interview the head of finance of the LTTE who is imprisoned there. In Sri Lanka, prosecutors will question some 25 people from senior ranks of the Tamil Tigers, some of whom are currently imprisoned. “It’s to prove that the Swiss branch of the global LTTE knowingly and willingly misused money from illegally obtained loans to inject it into the international finance circuit of the organisation,” Balmer said. The proecutor’s office suspects that the Tamils used fake payslips or Sri Lankans resident in Switzerland to obtain loans of between SFr70,000 – 100,000 ($73,000 – 104,000). Once obtained, the cash was couriered to Sri Lanka where it was laundered locally and eventually used to finance the purchase of weapons during the civil war, the prosecutor believes.The investigations in Sri Lanka come after the Swiss Prosecutor’s Office made an official request to Sri Lankan authorities in 2011, which was granted. After being at war with the Tamil Tigers for some 25 years, the Sri Lankan government is keen for criminal convictions of Tamils.However, under the terms of the agreement with Sri Lankan authorities – which Swiss authorities fear would otherwise assert undue pressure on witnesses – the interrogations will take place in the presence of Swiss lawyers only.The usual Sri Lankan method of hearings based on a questionnaire will not occur and no Sri Lankan authorities will not be present during the interrogations. A 2011 United Nations-sponsored report on Sri Lanka said there was “credible evidence” the military killed thousands of civilians at the end of the civil war. The report also found the Tamil Tiger separatists used civilians as human shields as troops closed in on their final positions.The report concluded that the government’s Lessons Learnt and Reconciliation Commission, which has investigated the end of the conflict in response to international pressure, was “deeply flawed”. (swissinfo) read more

Henrik Mollgaard signs new contract with Skjern

One of the “pillars” of Denmark’s national team defence, as well as that of Skjern in the Danish championship, Henrik Mollgaard (28), have signed a new contract with his Danish club. His new contract runs out in 2017, and with the past season he has impressed the home fans which voted him the player of the season. ← Previous Story Damir Batinovic continues career in France Next Story → Ademar Leon with the first signing of the season Danish handballDenmarkhenrik mollgaardskjern

Ballmer confirms Windows 8 systems on sale in 2012

first_imgWindows 7 has been a resounding success for Microsoft, helping to push customer satisfaction levels to an all-time high. The boys in Redmond aren’t resting on their laurels, however, and work on Windows 8 continues at a rapid pace. There’s been talk of Microsoft showing Windows 8 off at the upcoming All Things D conference in June, and that seems like a certainty following CEO Steve Ballmer’s new revelations at the Microsoft’s Developer Forum in Japan.Ballmer told attendees that the next generation of Windows systems will come out next year, later adding that “you ought to expect to hear a lot about … Windows 8 slates, tablets, PCs, a variety of different form factors.” It might not seem like a big deal, but some in Redmond clearly do. A Microsoft spokesperson quickly reached out to ZDNet’s Mary Jo Foley, saying Ballmer had made a “misstatement.” The company has yet to formally announce any formal naming or information regarding the timing of its release, but 2012 has been the projected target for Windows 8 for quite some time.It’s interesting, however, that Ballmer chose to differentiate between slates and tablets. The two terms are often used interchangeably, but Microsoft has talked before about different devices for content consumption and content creation. While the “next generation of Windows devices” could indeed be powered by Windows 8, the ones Ballmer was talking about could, in fact, be running Windows Embedded Compact — which Microsoft is pushing as its slate operating system.If that turns out to be the case, it doesn’t preclude a Windows 8 release in 2012 — it just means all Ballmer really confirmed is that someone at Microsoft thinks Windows 8 is a decent choice for the next release.More at Microsoft and ZDNetlast_img read more

Anonymous le site de lExpress tombe

first_imgAnonymous : le site de l’Express tombeAprès Sony,Vivendi et le site du ministère de la Défense, c’est au tour de celui du journal l’Express de lâché sous les coups de boutoirs des Anonymous. Mais pourquoi une telle attaque ? La réponse se situe peut être un peu plus tôt dans la journée…”Ils sont là comme des voleurs”, “ils ne sont pas des Robins des Bois” et ” ils ne sont pas là pour la liberté de la presse,la liberté d’expression ou la liberté du futur… ” : voilà, en substance ce qu’a déclaré, au sujet des Anonymous, Christophe Barbier, directeur de la rédaction de l’Express. Et ces déclarations, faites ce matin sur l’antenne de I-Télé lors de sa chronique, l’humeur de Barbier, ont apparement trouvé un écho cet après-midi…Mais sûrement pas de la manière dont le chef du célèbre hebdomadaire s’y attendait. À lire aussiConflit Israélo-Palestinien : les Anonymous entrent en guerreLe miroir Web du journal n’a, semble-t-il, pas pu résister à l’attaque des Anonymous. Et à ses répliques comme “la République vous rattrapera” et “on est blindés, pas de soucis”, concernant la sécurité du site web du journal l’express.fr, le résultat ne s’est pas fait attendre.Que cela soit Nicolas Sarkozy et le site de l’Élysée ou Christophe Barbier et le site de l’Express, il semble que les Anonymous soient particulièrement réactifs aux propos à leur encontre. Le jeu du chat et de la souris continue…Mais le chat n’est peut être pas celui que l’on croit.Retrouver l’extrait de l’Humeur de Barbier en vidéo sur Maxisciences.Le 23 janvier 2012 à 19:09 • Maxime Lambertlast_img read more

Geek Daily Deals Acer Predator Gaming Laptop NVIDIA Shield TV with Bonus

first_imgAcer Predator Helios 300 Intel Core i7-8750H 6-Core 15″ 1080p IPS Laptop with 16GB RAM, 256GB SSD, and GTX 1060 6GB for $999.99This is Black Friday deal that has gone live early. This is currently the best deal on Amazon for a GTX 1060 equipped gaming laptop. It has killer all-around specs right out of the box and the GTX 1060 video card can run all of your games admirably at 1080p resolution and also has enough horsepower to drive your Oculus Rift or HTC Vive.Get it on Amazon for $999.99 Oculus Rift VR + Touch + 7 Games for $349This is a Black Friday deal that has gone live early. Take $50 off what I would already consider the best value in VR gaming. You get 7 apps (Robo Recall, Lucky’s Tale, Dragon Front, Quill, Medium, Dead & Buried, and Toybox.), but my favorite Rift game by far is Beat Saber. Beat Saber is a mashup of Fruit Ninja and Rock Band, and I highly suggest you give it a try. Get it from Amazon for $349 Logitech G502 Proteus Spectrum RGB Gaming Mouse for $34.99This is a Black Friday deal that has gone live early. Logitech’s legendary G502 Proteus Spectrum RGB gaming mouse provides one of the most responsive and accurate control experiences around, and you can pick one up right now for $35 off from Amazon.Get it on Amazon for $34.99 One Month of Xbox Game Pass for $1Gain access to over 100 titles like Forza Horizon 4, Gears of War 4, Seas of Thieves and State of Decay 2 for only $1.Get Xbox Game Pass at Microsoft for $1 Might Sell Out Soon – NVIDIA Shield TV 4K Media Streaming Device with Bonus Amazon Echo Dot for $139.99This is a Black Friday deal that has gone live early. The NVIDIA Shield TV is the best Android TV box on the market, and the best 4K streaming box in general It supports all mainstream media apps including YouTube, Amazon Video, Netflix, Vudu, Kodi, Spotify, and more. It also has Chromecast functionality so you can stream to your TV from your phone or tablet. Plus, If you’ve got an NVIDIA GPU you can also stream games to your TV at 60fps, and also play Android games too.Get it on Amazon for $139.99last_img read more