Nabila auge

Pigeons can be quite annoying to birds due to the noise they make and the fact that their droppings can be a major source of infections, so if they nest on terraces they must be chased away as soon as possible.

The most common pigeons are the house pigeons, which live in urban areas and need to be driven away from buildings. Many methods of repelling pigeons are not exterminating them, but preventing them from landing, and these methods are used in historical buildings since their droppings are corrosive and can damage the structures.

Pigeon traps can be used to catch pigeons from private terraces. The bait should be put into a cage so that the pigeons can't get through the trap door.

We can scare them away by putting pins on our windows. Chemical baits such as ovocontrol can be used to stop pigeons from laying eggs, and can also be used to prevent pigeons from nesting in our window.

This can be added to food and used as a contraceptive.

If they come to eat, they will not be able to lay eggs in our window, so we will have to put it in the window.

The two main types of products to scare pigeons are those that imitate them, such as owls or hawks, which give good results because the pigeons confuse them with birds of prey and will flee from our terrace or window. We can get the pigeons to flee with the use of chemical repellers, which can be purchased in liquid or gel form.

CDs to scare away pigeons are very effective and serve to scare away all kinds of urban birds in general, and thus prevent them from nesting in our building. These discs are made of double glass that reflect light and make birds go away. There are windows and terraces where these CDs are hung. They are effective and decorative, and they are not harmful to birds. If we have a garden, they can be hung on the trees and their installation is very simple.

It is recommended that we move the pigeons so that they don't get used to it and that they don't end up in our building.

Anti-pigeon spikes are placed on roofs and on the outside of buildings to prevent pigeons from landing on buildings. The ledges of the terraces can be placed with nails and silicone, thanks to a series of strips with spikes. Although they are easy to install, they can harm pigeons, and although their installation is allowed, it can cause harm to these birds, so it is not the best method to scare them away.

This post will explain API banking in detail.

To understand what is an API in banking, one must first understand what an API is, in general. An API, or application programming interface, is basically software that acts as an intermediary between other pieces of software. As the acronym implies, an API is a program that acts as the interface between applications.

APIs play a crucial role in the Banking as a Service (BaaS) industry. BaaS — sometimes called Banking as a Platform (BaaP) or banking Software as a Service (banking SaaS) — refers to services that enable banks to provide digital services to customers or integrate with other digital services. BaaS providers like Treasury Prime offer API banking. Treasury Prime also connects fintechs and banks directly with each other so they can build relationships.

A BaaS company is a type of fintech company, and is sometimes referred to as “Fintech Banking as a Service”. Fintech is short for financial technology, and refers broadly to technology for financial operations. BaaS companies provide services to other types of fintechs that need to embed banking services into their applications. In addition to BaaS, fintech refers to payments apps, apps for day trading, neobanks or online-only banks, and other financial technology tools. Examples of top fintech companies include PayPal, Stripe, Square, Gravity Payments, and Affirm.

API banking use cases included Banking as a Service (BaaS) and embedded finance.

BaaS: Banks can use API banking to build digital banking experiences for customers, including online banking and mobile banking. When banks use an API from a trusted provider, they can offer customers a premium digital experience that would otherwise require greater overall investment to build in-house. Banks can also use APIs to link their services to fintech apps, enabling new customers to open debit, credit, or savings accounts from within those apps. BaaS providers that offer API banking can help banks build lasting relationships with top trusted fintech companies.

Embedded finance: Embedded finance refers to embedding banking or financial tools in non-financial apps. Examples include:

API banking allows banks to digitize their services and better serve customers who don’t live near physical branches or who prefer internet banking. Digital banking enabled by internet banking APIs is becoming a lot more popular, and still has room for growth.

Roughly one in five banked households primarily accessed their bank accounts by bank teller as recently as 2019, according to the FDIC. But that number has been in decline as more people have adopted online or mobile banking as their primary mode of interacting with their accounts.

The COVID-19 pandemic put pressure on banks to accelerate their digital transformations. U.S. Bank, for example, closed hundreds of branches in 2020 as more customers opted for digital banking.

As digital banking grows in popularity, so do fintech apps. Digital-online banks or neobanks, like Chime, gained users in 2020, when consumers facing financial uncertainty wanted options to receive their stimulus checks faster. Robo advisors are now trusted alternatives to their pricier human counterparts. Apps like Venmo and CashApp have replaced traditional money transfers for a lot of people. Fintechs may also target specific types of users, like Zeta which caters to couples.

As a bank, you want to be connected to these newer companies. Top API banking providers can not only give you the technical tools you need to connect with fintechs, they can introduce you to trusted companies that will offer you real value. For example, fintech partners can give you access to different customers, essentially serving as nodes in areas where you may not be building or marketing. Your partner’s growth is your growth. Fintechs can help you capture deposit market share and increase your transaction fee revenue.

Bank API integration with fintechs is something only a small number of banks are thinking about at this point. That number is growing, however, as major deals get announced and financial institutions (as well as investors) realize they need to jump on this opportunity.

Fintechs can’t operate as islands. If you offer a highly specific service, you’ll be going after customers who need other tools to complement yours. You want to have access to a network of potential partner companies. If you’re a full neobank, you are probably not chartered, which means you can’t insure your deposits. But you can partner with a larger established bank, which can hold deposits and provide FDIC insurance.

None of these beneficial partnerships are possible without API banking. Fintechs need an intermediary with banks, and with each other. Building out that intermediary system on your own would be a huge burden. A strong BaaS provider that offers bank API programming can do it for you, meaning less work for your developers, and overall higher quality of experience for your users.

You want to find a BaaS provider that has relationships across the board, with both banks and a wide spectrum of fintechs. BaaS services that only have relationships with banks, or only with fintechs, may not be able to meet all your needs — especially as you grow.

There’s huge pressure on banks to adopt API banking because of consumer preferences, market pressure, and the growing prevalence of open banking.

Branch and ATM banking have been in steady decline among consumers for years, while mobile banking has skyrocketed. Mobile banking was the primary banking channel for 34 percent middle to high income people under age 54 in 2019, compared to about 6 percent in 2013, according to FDIC data cited by ABA Banking Journal.

Consumers are also rapidly adopting fintech. Global fintech adoption almost doubled among digitally active consumers from 2017 to 2019:

“Adoption of fintech services has moved steadily upward, from 16 percent in 2015, the year our first FinTech Adoption Index was published, to 33 percent in 2017, to 64 percent in 2019,” states a report from consulting firm EY, that was cited by eMarketer.

Actions by competitors are also putting pressure on banks. For example, fintech Stripe’s launch of Stripe Treasury, a new service that advances payments and makes small loans to merchants through pairing with Stripe Capital, contained an additional announcement that Goldman Sachs, Citibank, and Barclays were getting into API banking:

“Stripe is enabling standardized access via APIs to the global banking capabilities of its bank partner network, which now includes Goldman Sachs Bank USA and Evolve Bank & Trust as US partners, and Citibank N.A. and Barclays as global expansion partners.”

Now peers of these banks and smaller financial institutions are feeling the heat to get involved in API banking themselves in order to keep up.

Then there’s open banking, which is already popular in the United Kingdom and is gaining traction in the United States. Open banking refers to using open APIs to give third parties, such as fintechs, access to consumers’ banking and other financial data.

How is open banking different from just engaging in API banking? At the level of individual banks and fintechs, it is basically the same thing — partnering organizations use an API to share data and offer each other’s services to customers. At a higher level, though, the open banking framework is different because it makes these partnerships universally available. It requires all banks to make their services available via API.

If you suddenly lose a large volume of blood, you may be treated with fluids, a blood transfusion, oxygen, and possibly iron to help your body

CEO & MD at Tata Consultancy Services Tata Consultancy Services Indian He has played a key role in helping TCS become a USD 22 billion global company

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DU Admission 2021: Delhi University will release a special cut-off list for undergraduate admissions today at admission.uod.ac.in. Candidates can apply for admission under the special cut-off on October 26 and 27. DU had earlier said the special cut-off list will be released only if seats remain vacant after the third round.

“For admissions to UG merit-based programs for the academic session 2021-22, the university may declare a minimum of five cut-offs, one special cut-off (after 3rd cut-off) and special drive (only on vacant seats if available). In case, there are still some vacant seats left after five cut-offs and special drive, more cut-offs/special cut-offs/special drives may be announced by the university,” the DU had earlier said.

According to admission data shared by the university, Delhi University has received 1,70,186 applications and over 58,000 students have secured admissions so far. DU has around 70,000 seats for undergraduate courses.

DU special cut-off list is for candidates who were eligible for admission in the previous rounds but did not take admission for some reason.

“The special cut-off will be the last declared cut-off of the respective program+college. For example, if for college A, the First cut-off for BSc (H) Mathematics for a specific category was 98% and the college did not declare second and third cut-off for BSc (H) Mathematics in that category, but later seats got vacant, then special cut-off for BSc (H) Mathematics for the specific category for college A will be 98%,” DU said.

Only those candidates who had the required cut-off marks for a previous admission round but did not take admission are eligible for the special round. However, no movement of candidates will be allowed during the special cut-off.

“Candidates who have secured admission in any of the earlier three cutoff lists will not be allowed to participate in the special cut-off, which means candidates who are already admitted in any program+college of University of Delhi will not be eligible to participate in the special cut-off,” the university said.

Candidates can apply for a single programme+college combination during the special cut-off admission.

If seats remain vacant after special cut-off admission, the university will release 4th and 5th lists, followed by a special drive admission.

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