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FAQs
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What’s a digital transformation that reshapes an HR function?
HR is the potential tool for enabling cultural transformation and hence build digital capabilities and mindset for businesses. In the digital era that is fast taking over the work places today, how we design the employee experience is critical since that translates to customer experience and business transformation… “what an employee has not experienced in the organization, he/she cannot curate for the customer or business.” What reshapes the HR function is their position as the curators of employee experience, being the change evangelists to drive the transformation and being a strategic partner to business. HR in its transactional / administrative role will cease to exist sooner or later in the “self-service” and “hyper personalized” mode that the work force today operates in. But the change is for the better, for HR to take on more strategic, more enabling role for the employees and the business at large. Employee Experience Curators: They say it is going to be a “gig economy” – multiple types of employees and employment patterns emerging with the evolving business ecosystem. Diversity emerges not only in terms of gender or race but in terms of employment types like free lancing, assignment-based, virtual working and so on. To accommodate and encourage this diverse population, HR professionals need to gear up and curate experiences through the employee lifecycle that engage their employees by motivating & connecting with them in a way that inspires the individual. The challenge that HR will have is to understand their employee personas and build the work place infrastructure, policies, processes and engagements tailored for individuals as opposed to the mass-made approach. Change Evangelists: Transformation is not a singular process anymore… it is a phenomenon that is continuous and evolving. HR will be at the bedrock of this transformation and drive it as evangelists of this change through the organization in an agile manner - as and when a change is called for, the wave must emerge through all the people practices of the organization to enable the organization to turn with the tide. Strategic Business Partners: Being business partners in the real sense – speaking the language of business, understanding what the customer expects and building people practices & culture to cater to that need is what is expected in the HR. It can no longer be limited to recruitment, training, transactional processing… it has to evolve to actively be involved in business decisions. People are the power houses of any organization and they make or mar a brand… partnering with people to align them to business goals is imperative.
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What software is built around compliance in various industries?
Typically the type of software you’d see is used for compliance audits. Companies audit compliance for a lot of different issues, from internal procedures to external regulatory standards.Software optimizes audits and provides a suite of distribution and analysis tools that paper or spreadsheet-based systems simply can’t. While compliance management systems are often used to replace paper forms, they also bring a wealth of extras, too. That could be a simple feature like e-signature capture or something more complex like automatically aggregated analytics.While the scope and context of a compliance audit can vary from industry to industry, Form.com creates unique solutions for each client based on their specific process. No matter the requirements, Form.com’s powerful API will integrate seamlessly with your other systems and provide end-to-end support with your existing databases.Some compliance software is strictly “one-size-fits-all” with little to no customization options. Unlike with those so-called “solutions,” Form.com’s engineers will help you design a system that fits your needs perfectly.Compliance Audit Software for Mobile and Offline | Form.comWith the help of powerful workflows and task management tools, you can monitor, manage, and optimize the data collection process for easier, faster, and more accurate compliance audits.Form.com gives you the tools to:Initiate follow-up actions directly from completed audits, including approval processesPublish reports to the right people both in- and outside the companyShow in-app feedback that shows proper execution and suggests corrective actions based on previous responsesCollect signatures, scan barcodes, attach files, and embed images using your mobile device’s camera.Request a demo of Form.com’s compliance audit software here.
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I am 21 years old. I want to change my signature on my PAN card. Is it possible? If yes, what's the procedure?
Listed below are the simple steps you need to follow when you change the signature on your PAN Card:Visit the NSDL website by typing in the following link in the address bar – Guidelines for filling PAN Change Request ApplicationRead the guidelines and instructions carefully before applying for any changes that need to be made on your PANScroll down to the bottom half of the document until you locate the “Category of the Applicant” tabSelect the category that you fall into and then click on the “Select” optionYou will then have to fill in the change request form after carefully reading itAll boxes which have “*” against it should be filled up without fail as your form will neither be accepted or processed if any of the mandatory fields have been left blankSelect the box that reads “Signature Mismatch”You will also have to submit your current PAN in the box that corresponds to “Permanent Account Number (PAN)”You could also select the paperless route when submitting your documents:You do not have to physically submit the documents that are required for a change in signature on your PAN CardYou can simply provide a digital signature or upload a photo of the same, your photograph, and other documents that are requiredAfter you have completed the steps mentioned above, click on the “Submit” optionYou will have to pay a change request fee of Rs.107 through any of the following channels:ChequeDemand DraftDebit CardCredit CardNet BankingOnce you have completed the submission of your PAN Change Request form and payment, you will have to take a printout of the acknowledgement form along with its 16 digit acknowledgement numberYou will have to attach 2 recent passport photographs to your acknowledgement formEnclose the cheque or demand draft in the cover where the heading should read “Application for PAN change request –16 digit acknowledgement number” which means that if your acknowledgement number is 1726239458594404. The cover heading would be “Application for PAN change request–1726239458594404”You will then have to post this cover to the NSDL address:Income Tax PAN Services Unit,NSDL e-Governance Infrastructure Limited,5th floor, Mantri Sterling, Plot No. 341,Survey No. 997/8, Model Colony,Near Deep Bungalow Chowk, Pune–411016. Phone number: 020–2721 8080.You will have to make sure that the cover signNowes the NSDL office within 15 days from the date of receiving the acknowledgementOnce you have completed the steps mentioned above, you will receive an e-mail on your registered e-mail address.Thanks.
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What industries must use electronic signature software?
Any industry involving a large amount of paperwork make use electronic signatures. In other words, all industries make use of electronic signatures because all of them have piles of paperwork to handle. Some examples of such industries include financial, life science, healthcare and pharmaceutical industries.Industries such as the pharmaceutical industry, have a number of licenses and other paperwork that they have to handle and keep track of. It can be a tedious task to perform such cumbersome paper processes. Therefore, e-signatures can facilitate an organisation in keeping a track of all this paperwork, by signing electronically.Healthcare industries usually involve time-sensitive documents, which need to be urgently completed. But, it can take days in case of the traditional wet ink paper signatures for the documents to signNow the signer and back, if the parties are geographically scattered. But with electronic signatures, that is not the case. Geographical barriers do not play a role. Documents which earlier needed days to be completed, can now be signed and sent back within minutes, in the click of a button. Furthermore, it takes a long time to bring assets under management. The time taken by the signing process, if wet ink paper signatures are used, may even further delay the process. But by using electronic signatures, the whole process can speed up.Apart from these, there are many paper prone industries which require huge amount of paperwork and with the use of electronic signatures they can make their everyday processes smoother and more efficient.
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How do I register a startup in India? How much money and time does it take? If am currently only 17, what issues will I face dur
Algorithm for starting a Private Limited Company: Engineer's View Personally I believe, If someone is starting a company with long term perspective or to bring some change through their unique Product/Services, one must go for Private limited firm. Prime reason for this is easy to raise funds from Angels/VC in case you go for investment. Step 1. Registration of Company 1. Name Selection: Check whether your desired company name is available or not at MCA website [ http://www.mca.gov.in/ ]. Name must be unique & must resemble with business you intend to do (highlighted one). EX: Arihant Labs Retail Services Pvt. Ltd 2. Registration of Name at ROC: Name approval usually takes maximum of 14 days. This is done online through MCA website. Moreover, you need to apply with at least 4 names for approval with a writeup about significance of names with main business of the company. 3. 1. Documents Required: 2. 1. Options for names for the proposed Company (on the basis of preference) 2. Amount of Share Capital; proposed shareholding ratio 3. A paragraph on the proposed major line of business of the company (main objects) 4. City of Registered Office. 5. Copy of ownership deed/sale deed(if property is owned) 6. Copy of rent agreement with NOC (if property is rented) 7. Copy of latest electricity bill/telephone bill/mobile bill for both directors 8. Copy of latest electric bill/telephone bill for the registered office proof. 4. Obtaining DIN & DSC: 5. 1. Documents Required 2. 1. PAN Card copies for directors and shareholders. 2. Voter ID/Passport/Driving License for directors and shareholders. 3. Occupation of the Directors for directors and shareholders. 4. E-Mail IDs of all directors and shareholders. 5. Phone Numbers for all directors and shareholders. 6. Photos for directors and shareholders 6. Company Incorporation: After above mentioned formalities have been completed, we need to file following forms/docs in Rs 100 stamp paper: 7. 1. Affidavits for non- acceptance 2. INC 9, INC 10 3. DIR 2 4. NOC : This is required to be filed by the owner of the property on which your company will be situated. 5. Subscriber Sheets of MOA & AOA 6. Documents required for filling MOA & AOA 7. 1. Must be filled on OWN handwriting 2. Passport size photos 3. Sheets needs to be witnessed by CA/CS/Advocate Step 2. Obtaining PAN/TAN: After company gets incorporated, you may apply for PAN/TAN. Step 3. Trade Licence in case you are selling PRODUCTS: This is required in some places for carrying out sales. You can obtain this from local Municipality. Step 4. VAT/CST registration for selling Products: For selling intra-state, you need VAT registration & for selling inter-state, you need to register for CST. 1. Documents Required: 2. 1. Trade Licence 2. Company Incorporation Certificate 3. PAN card of company as well as of all the directors 4. Proof of residence of Directors 5. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 6. MOA & AOA of company 7. Current Account in the name of company in any national bank Step 5. Service tax registration for Service Industry: In India, you need to pay service tax of 14.5% on every services you have charged customer for. 1. Documents Required: 2. 1. Company Incorporation Certificate 2. PAN card of company as well as of all the directors 3. Proof of residence of Directors 4. Proof of occupancy of place of business (Rent agreement/ ownership deed, Rent Bills etc) 5. MOA & AOA of company 6. Current Account in the name of company in any national bank That's All folks! Your STARTUP is up to Conquer the World. UPVOTE & SHARE your views/issues We at labkafe [ http://labkafe.com/ ], prefer taxmantra [ http://taxmantra.com/ ] for our legal requirements.
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I have lost my PAN card and I also forgot my PAN number. What is the procedure to reissue a PAN card?
As you have lost your PAN and you are not aware of your PAN details, the first thing you should do is search for your PAN number from Know Your PAN facility of income tax website and after you are aware of your PAN details you should make an application at NSDL website or by submitting a physical form. Both the process are explained below in details- It is possible to search the details of your Pan Card on the income tax website. To check your PAN card details Online, you can use “Know Your PAN” service provided by Income Tax Department. Steps to know your pan details.- * Browse to income tax website * Click on know your PAN as shown in the image below. * Fill in the required details ( Surname, Status Date of Birth and mobile numbers are mandatory) . Mobile number registered with the PAN Card is to be given. * Enter the OTP received on the registered mobile number. * You can get the detail of your PAN and Jurisdiction as shown in the image. You can make an application for E-Pan card which will be sent to you by mail or you can also apply for a physical PAN card. The applicant is only required to fill and submit the online application form along with online payment of the respective processing fee Steps to apply for PAN card * Visit the NSDL website * Select "Request for New PAN Card or/and Changes or Correction in PAN data" as Application type ( if PAN number has already been issued to you and want a fresh Pan/E-pan or want to make correction) and fill your status. * Fill in rest of the information asked such as name, and date of birth. Information marked with an asterisk sign has to be filled in mandatorily. It is mandatory to mention the email id in case of application for an E-PAN card. * A token number will be generated and same will be sent to your email id (But the same must be noted ). Click on continue with your Application. * A new page will appear on your screen. There will be three options asking you how you want to proceed with your application. To apply for E-PAN you must select No to the question “Whether Physical Pan is required?”. ( as shown in the image) ( Please check Note) * Enter your details such as Aadhaar number, parents name, etc. Aadhaar number is mandatory if you have choosed e sign and e KYC as an option. * Once you have filled all the relevant data, click on 'Next'. A new page will appear asking you to fill in Contact & Other details . * After you have filled the same you will be asked for document that you will submit as proof. As a proof of PAN you can submit Copy of PAN Card , Allotment letter. In case you have lost your PAN you must select no documents. * You will be required to give a declaration . Then you have to click submit. * You will be ask to recheck your application and you will be asked to make payment .You can pay using your debit or credit cards, Net banking . * Once you have made the payment, you will be required to undergo the Aadhaar authentication process. If your Aadhaar authentication process is successful,then a 15 digit unique acknowledgement number will be generated. * You will receive E PAN on your email after your application is processed or the physical PAN will be sent to your address Note- * There is a paperless facility called e-KYC and e-sign where your Aadhaar details will be used. You don't have to upload images such as photo, signature or other supporting documents. Your Aadhaar photograph will appear in your PAN if you use the e-KYC and e-sign facility. * There is a second method which is a standalone e-sign facility where you are required to upload your photograph, signature (in black ink) and specified supporting documents in a prescribed format.
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How much time does it take for the activation of a beneficiary in SBI as I added a new beneficiary today and I want to transfer
FAQs on New Beneficiary Addition Process:What is the change in the beneficiary addition process?Now you can add and approve only one beneficiary in each of the following categories: Intra-bank, Inter-Bank, VISA, State Bank Group and IMPS in a calendar day, which will be activated by the internet banking system within 4 hours, if approved by you during the period from 6.00 AM to 8.00 PM (IST). Beneficiary approved after 8.00 PM will be activated on the next day after 8.00 AM (IST). You can commence funds transfer to the new beneficiary only after its activation. During the first 4 days after...
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What is a payday loan, and why are they so bad?
This is a loan intended to be short term “payday” came about as it was intended to be a loan to carry you over till you got your next paycheck.As others have noted they are very high interest rate loans. Having such a loan for a short period of time (1–2 weeks) is expensive but not unmanageable. If you take such a loan off and take a long time to pay it off, then it will cost you a fortune in interest payments.The main issue is that when you get the loans they have 1–2 year terms on them, thus the payments may seem like they are not too bad monthly, but in reality you are paying a lot of interest and little on the principle so over that time you may pay double or triple the loan you took out (assuming you don’t just pay it off right away.The secondary issue is that these loans tend to be geared towards and given to lower income people with bad credit. Someone with good credit, even with low income, likely can have a credit card that could cover some unexpected expense, which is still high interest rate but no where near as bad as a payday loan… people with bad credit however will turn to payday loans, and there is a reason they have bad credit and this is normally related to their lack of ability to manage money. Take someone who is not good at managing money, give them a high interest loan and a long time to pay it off and it is very bad for the consumer.The final issue is that people also don’t use these loans for what they should be used for. This likely falls back to the poor money management part of things. People will take one of these loans out so they can buy a video game system or a new big TV, not to cover a necessity till the next paycheck. Basically this starts a spiral of debt on the heads of people who in general cannot afford it.
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What are some things that should be considered when designing a programming language?
There are plenty of practicals of programming language design (I think Adrian Ho’s answer is great in talking about this), but, to me, the most important thing to consider is that, eventually, your programming language will have to be used by people.Most (if not all) programming languages ignore this, and they come up with these beautiful mathematical foundations… and then people just ignore them and use it in ways the designers did not predict because the costs using it “the right way” are way too damn high (in a huge part because they never ran any usability study with actual humans).I’ll go through a couple of examples of this.Consider Java. When designing the language they thought that it would be great for reasoning about programs if the possible exceptions every operation could raise was expressed directly in the signature (known as “checked exceptions”). They were right about that. Exceptions bubble up all the way through your dynamic call stack, so you can’t know what to expect by just reading the operation’s source code. And you need to know the ways in which your program can fail if you want to build software that is resistant to errors.So checked exceptions are a great idea. They’re solving a real problem people have. The mathematical model for it is pretty solid. Yet a ton of Java programmers are extremely dissatisfied with them. To the point most other languages would never consider this feature even though it’s a good feature.The problem in Java is that they did not run usability studies. They did not think about things like “if we have a huge codebase, and this code is used by thousands of other projects, and I add this exception to this one operation, what happens?” What happens is that everyone’s code breaks, which is an unacceptable cost for any software. It may take months to years of work from people you don’t even know to get each piece of software to work again. So, instead of relying on this great feature for reasoning, people choose to take the costs of poor static reasoning by using less fine-grained exceptions, relying more on unchecked exceptions, etc.Note that this doesn’t mean that checked exceptions are bad. THEY’RE GREAT. They’re an amazing feature for static reasoning, and every programming language out there should support this task (static reasoning). The problem with Java’s implementation is in the costs for actual humans using the language. It’s in how humans write software collaboratively. In how software codebases evolve over time. In how we don’t really control every single piece of code we use. These costs were not considered when people decided to implement checked exceptions in Java the way they did.Now let’s consider another programming language with this very same feature: Frank[1] . Frank is a language where not only the exceptions are checked. EVERY EFFECT IS. If a function mutates a variable, its signature will have to say that it mutates a variable. If it sends a request over the network, its signature will have to say that. From just looking at the signature in Frank you know not only how an operation may fail, but all of the things that it or the functions it calls may do.You’d think that this would be a disaster. After all, if you add a simple piece of code to log some information, you’ll effectively change the signatures of all operations that call that function through any amount of indirection. If you change F, which is called by G, which is called by H, which is called by Main, then all of these functions would break.Yet, things work perfectly in Frank. It has none of the problems Java has. If you add new things to an operation that has a thousand of callers, none of those callers need any changes. But your IDE will now show all of the additional things all those thousand functions can do/how they can fail. If you remove things from an operation, only the callers that depended on those things will need changes—and this is good, because they’d break at runtime anyway.Frank allows this through the amazing power of type inference. The compiler does all of this work for you, and you get all of the benefits. Everyone’s happy, because the costs of maintaining and evolving software are now much lower. People feel like they can use the features, and it won’t end up just being a burden in the future.Now let’s talk about where Frank goes wrong. Indeed being able to get the benefits of static reasoning without paying a huge price for it is great. But in real code bases there’s usually a lot of code that never gets ran. You add a lot of dependencies, and you might use 5% of their functions, but if any of the 95% you don’t use have a problem your code won’t compile. You won’t be able to ship, even though the problematic code will never get executed—it would have never been a problem!Sadly, all static programming languages have this problem. They require that all of the code you’ve included is consistent according to the type system rules, even if you don’t use most of it. That’s not only an unreasonable cost to pay, but it’s not even a predictable cost. How would you know that this obscure function in a library you’ve only included for one of its data structures has a type error? You don’t even care, for Christ’s sake.Now, again, type checking is a good feature. And I think a lot more people agree with this one than with checked exceptions. After all, type systems prevent a lot of problems that would be much more costly if we left them to be found in production. But, still, why do we have to pay for things that we don’t even care about or use? We don’t buy the entire supermarket when doing grocery shopping.Some people realised this, and they’ve worked on a gradual typing theory. This means that your type system allows your program to be only partially correct—if the pieces you use are correct, that’s really all that matters, you should be able to run or ship it. But you don’t really have to give up all of those other benefits for this, like you would in a dynamically typed language. You can still have your cake and eat it. Hazel[2] is an example of this.This happens a lot with security too, so let’s talk about that. JavaScript introduced a construct called Template Literals[3] . The idea comes from Quasi-Literals[4] in E, which in turn comes from Quasi-Quotation in Lisps. And it’s a brilliant idea—and as you may have been expecting by now, poorly executed.See, we have a lot of security issues in software that comes from people not using structured data formats[5] . SQL injections happen because people are putting strings together to form SQL queries. Shell injections happen because people are putting strings together to form Shell commands. HTML injections (XSS) happen because people are putting strings together to form HTML pages.This makes it seem that strings are evil, but the problem here is not strings per se. If you look at what people are doing in the places that have these security vulnerabilities there are two common themes:They want to build complex components from simpler parts. The usual case with templating in HTML involves things like “include this header here”, for example. In SQL it could be “include this filter in the WHERE clause, but only if that condition is fulfilled.”They want to include information that they don’t control in the components. For example, the text the user sent in a search input could be included in a WHERE clause to find things containing it.Both of these are very valid use cases, so it’s not like people are just creating security vulnerabilities for the fun of it. Both of these cases still happen with experienced programmers, and they’re equally ridden with security vulnerabilities, so it’s not a problem with experience either. These two cases also happen in all programming languages, so it’s not like some programming language is forcing these on people either—people want to do this.Interestingly, even though people’re doing this same thing in Lisp dialects, the vulnerabilities seem to happen less frequently. Conversely, it happens very frequently in PHP. We do need to keep in mind PHP is very popular, while Lisp dialects are not. The Lisp community can’t represent the PHP community, nor the programming community at large. But it’s still interesting; after all, people are writing systems that use databases in both languages.One difference between Lisp dialects and PHP is that Lisp dialects tend to represent everything with structured data (S-expressions-based). While using S-expressions, combining data always preserves the composition rules.For example, if you have “(select table (where (gt 'id x)))”, it doesn’t matter what the variables “table” and “x” contain, they won’t be able to arbitrarily change your query. You can’t just make “table = ‘* FROM user; DROP TABLE user’” and hope that it’ll work. The likelihood is low because only one person has to get the query implementation right—the person who implements the SQL library. The people creating queries (and thus dealing with the two “wants” above) don’t have to care. They just can’t possibly get it wrong. And the cost of using it is really low, so there’s no reason to look for alternative ways of achieving the same thing.In PHP your database library expects a String, and it’s very usual to find people building strings like: “SELECT * FROM “ . $table . “ WHERE id > “ . $x. The attack above now works, because you have to guarantee that your textual composition is correct every time you do it. The people who implemented the SQL library can’t help you.The costs keep growing because every composition, every context, requires special attention. People aren’t good with things that require a lot of attention all the time. They might get it wrong when they’re trying to fix a production bug at 00:00 because something else broke and they have to bring the system back really quickly. They might get it wrong because they didn’t get enough sleep last night. Or because they had a fight with their spouse. Or because their grandfather passed away. There’ll always be something that affects people’s attention, and we can’t rely on it for security. So, the cost can’t be there.And this is why template strings are such a great idea. They give people exactly what they’re familiar with when using strings—you can keep writing your SQL queries like you used to, mostly. But at the same time gives us the same properties Lisp libraries have when using structured data. We don’t have to care about composition rules anymore. When we write something like:sql`SELECT * FROM $table WHERE id > $x` We only have to rely on the person who wrote the “sql” function getting it right. Only one person has to get it right. And they don’t have to implement that under stress or emotional pressure or whatever!Yet, it doesn’t work in JavaScript. And it doesn’t happen for three simple reasons:JavaScript has a string interpolation syntax. You can write `SELECT * FROM $table WHERE id > $x`. This has the same semantics as the PHP example, which means it’s every bit as problematic for humans. But it’s also more straightforward to write than the tagged version, which is safer. The cost of writing secure code is higher than writing potentially vulnerable one.There’s no “sql” function in the standard library. I think they did consider adding common implementations of these in the standard library, but they never did. Rolling your own parser is a lot of work. Not everyone has learned how to write parsers and compilers. And a lot of people’d approach it with things like Yacc or Bison. While things like Miller’s Quasi Parser Generator would reduce this cost, it’s still a unlikely that people will choose to write a parser for SQL instead of just concatenating strings and hoping for the best.All database libraries in JavaScript accept strings for the query, instead of structured data, so using strings is much cheaper for the developer.As a result, the tagged variant of String Templates in JavaScript is hardly ever used by programmers. It doesn’t feel like it’s solving a problem (even though it is). It is very cumbersome to use, compared to just naive concatenation with untagged templates. And all libraries already encourage using strings anyway.I could go on, but this is already too long, and you get the idea :’)So, to summarise:Think about how humans will use your programming language.Think about what it means to use your features in terms of costs for humans, not just for computers. Thinking about execution performance and memory is great, but think about the human cost as well.Footnotes[1] Do be do be do[2] Hazel, a live functional programming environment featuring typed holes.[3] Template literals (Template strings)[4] QuasiLiterals[5] The Importance Of Being Typed
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