Qoiza.com: Blog Qoiza.com: Blog http://www.qoiza.com/blog/ Copyright by Qoiza.com en Qoiza.com Tue, 25 Jan 2022 09:22:13 -0500 What Is Fintech and Why It's Hot If you are one who keeps track of the global financial market, you may have heard the term "Fintech" for quite some time. And if you have statistical bent of mind you would have observed that everyone from top banking executives to people in their early 20s mention this term more frequently than a couple of years back. Some call it the anti-thesis of the traditional banking system one of the last standing monoliths in the 21st century, for others it is something that is bringing out a major evolutionary change in the global financial market. 

What Is Fintech?

By definition Fintech is "Financial Technology". If you merely take these two words on face value you probably envisage it to be adoption of technology into the financial industry. But there is much more to Fintech than its definition and it is something that is challenging the entire idea of traditional banking system. While Fintech companies attracted close to $2 billion worth of investments in 2011 there has been a tenfold increase by the end of 2015. This growth has been partly led by investors’ lack of faith in the banking industry as this sector is yet to come out of the stigma of 2007/08 meltdown.  

Why Fintech Is Hot?

The popularity of Fintech can be attributed to the fact that technology and imagination has resulted in customer-friendly financial services. In a smartphone and Internet driven world it has been resolving some of the bottlenecks that banking sector hasn’t been able to get rid of due to their legacy and old school work process. Let take a look at a few examples:

--- Fintech has done away with the challenges in money transfers across international borders something which had proved to a bane especially for small entrepreneurs. Not only has the process been expedited but sending money across the globe has also become cheaper compared to the old days of voluminous paperwork and calculating foreign exchange rates.  

--- You can manage your entire wealth tapping on the screen of your smartphone using smart technology. This covers all kinds of investments from Bonds to Equities and Mutual Funds and you don’t need to retain the services of an expensive wealth manager. 

--- Fintech would replace the traditional process-driven manual jobs with automation. It has been one of the biggest hurdles in making the banking system efficient. A customer may be granted a loan in a few days instead or weeks and months it now takes in document verification and underwriting process. 

It is interesting to note that some bankers rejected Fintech as a fancy idea at its nascent stage while these days they are busy courting these companies! A case in point is JPMorgan’s partnership with OnDeck Capital and we may see many such partnerships and acquisitions in the near future. On the other end of the spectrum people who have predicted the death of the banking system as we know may also have to swallow their words. Banks are too big for these technology driven start-ups to replace. But Fintech would definitely drive the banking into a new era of ease and excellence.  

Uncategorized http://www.qoiza.com/blog/what-is-fintech-and-why-its-hot-8/ http://www.qoiza.com/blog/what-is-fintech-and-why-its-hot-8/ Editor Thu, 04 Aug 2016 08:46:09 -0400
Eight Travel Apps Worth Knowing

Travel used to be so difficult -- arriving at the airport with enough time to print your boarding pass, check in your luggage, and find your gate. But technology has changed everything. Now, you can simply scan your smartphone at the gate and select your seat from the comfort of your computer.

Technology is changing the way we travel, and we're infinitely grateful for that. With some good software and useful apps, you can even live as a digital nomad and work while you travel, in any places in the world that has a good Internet connection, from Mexico to Japan, from Thailand to China! In the article, we present to you some of the most helpful travel apps we've seen this year:

Trip Splitter

Trip Splitter is a great app to help divide up costs when you're traveling with friends or colleagues. You simply input your costs (and who pays for what) into the app and it tracks your expenses so that they can be divided at a later date. The app is available in both free and paid versions.


If you travel frequently, you know that airports can be frustrating. GateGuru helps solve some of your problems, providing lists of places without airports across the world. You can get information on terminals, coffee shops, restaurants, shops, etc. These airport maps can be super helpful, especially if you're in a rush.


Sure, it isn't the sexiest of apps, but the TSA app can be useful when traveling through the United States. It will tell you all rules and regulations, provide flight delay information, and give tips about security checkpoints.


We have certainly talked about the shift toward a sharing economy, which has become an important part of travel. The Airbnb app allows you to access home share opportunities in many parts of the world, presenting a variety of living situations to fit every budget. If you've got a room for rent, you can manage it from the app too.

Around Me

AroundMe is an app that will let you know when you're around a point of interest. By detecting your current location, it tells you where things in different categories are in relation to you--bars, coffee shops, hospitals, food options.


Big cities typically have apps that will help you get around the city using public transportation. Metro will give you access, in one app, to transit systems in 180 cities across the world. It's simple to use and can help a novice traveler (or someone new to a particular city) get around with ease.

Convert Clothes

When traveling, many people like to invest in clothing that they're unable to get in their home country. Unfortunately, clothing sizes are not universal. Convert Clothes converts shoe and clothing sizes (even bras!) into the size you're familiar with.

XE Currency Exchange

Dealing with currency exchange rates is always a frustrating part of travel. Luckily, there are a number of apps designed to help you. XE.com has long been a favorite of the internet and is now available in app form. It's reliable and allows you to select a home currency, while monitoring several others. It updates rates and saves enough data to do so without a data connection


Either you're traveling for having fun, business work, exploring the heritage of the world, in the search of peace of mind or due to some other reasons, tourism is not only a way of spending the free time, it's a habit and addiction to know and see the world. One travel app can consolidate all the steps like route planning, mode of travel, meal cuisines, location for accommodation under the hoop. And since there are lots of apps and sites so you can make a comparison to know which suits you better and adopt the best deal

Uncategorized http://www.qoiza.com/blog/eight-travel-apps-worth-knowing-7/ http://www.qoiza.com/blog/eight-travel-apps-worth-knowing-7/ Editor Mon, 04 Jul 2016 14:03:06 -0400
Is Using VPN Legal – Even in China?

China, famous for both the great wall of China as well as the “Great firewall of china”, have been blocking famous sites such as Google, Twitter, Facebook, and youtube. This does not just stop here. There is still an enormous quantity of websites that are blocked too numerous to list. However, despite these major online tools being blocked China has still dedicated itself to further increasing the diminishing VPN access throughout the country. However, VPN itself in China is completely legal.

What is a VPN?

A VPN expanded to symbolize Virtual Private Network, is a network that is constructed by using public wires. Which is the majority of time through the internet to connect to a private network such as companies internal network. Using a number of systems that are available one can create networks using the internet as a medium to transfer data.

These systems use security methods such as encryption amongst others to ensure that only the authorized users can access the network and the data cannot be intercepted.

Why should we consider using a VPN?

You are probably thinking, why would I need a VPN, well there are actually numerous reasons that most people are not completely aware of, to list but a few: 

· A secure VPN essentially hides your web activity, masking your digital affairs in a layer of encryption making your communications extremely difficult – if not impossible to crack.

· You are a researcher; this means that often you may need to go through your competition's websites without them being alerted that you have accessed their site – this is where a VPN will aid you.

· You're tired of being spied on by google – It’s a well-known fact that Google knows your every move, however, that doesn’t mean we have to make it easy for them. VPN to the rescue.

· The most important reason of all, you are in a different country, where certain websites that are essential for your work may be banned. This is the biggest problem of travelers heading through China, some even claim it to be impossible to work abroad whilst in China (without a VPN of course).

What are the official rules with regards to China and using VPN’s?

Although throughout the year there has been an uproar as every now and then China launches an attack towards VPN networks, often blocking a few. The reason for this is unknown, although there are alleged reports that it is to prevent corruption amongst the higher ranking officials as well as leaks on any of China’s politics.

However, despite all this, it is still legal to use certain VPN’s in china, it is important that you ensure that the VPN service you use complies with the rules and regulations that China sets out, otherwise you may find yourself in the unpleasant situation of not being able to connect to the network when you have important work to do.

Best VPN’s to use worldwide – yes this even includes china as well.

Choosing the right VPN is important, as there is often a fee either a monthly subscription or a yearly subscription and if that time period you decide to go to a different country with a different set of cyber protocols there is a slight chance that the VPN you use will not work there. 

Here are the “Three top rated VPN” networks to use and well, if they work in China they are bound to work everywhere. These VPN’s go by the name of ExpressVPN, VyprVPN and PureVPN and here is why they are on the best list: 

· The most important factor – they actually work, for real – These VPN’s have been tested recently by travelers making their way through China and so far they have all worked perfectly fine.

· They are stable, well this is a first – With most VPN’s out there it is difficult to remain connected, however with these three it is very rare to lose connection.

· Backup plan when there are troubles – If there is any questions or doubt about your connection, you can chat with a technician at any moment. Usually, he / she will provide a solution between 10 to 20 minutes.

· Having a large number of protocols and servers – Although your VPN worked yesterday, there is always a possibility that it will not work today. It’s important to ensure that you have a wide range of protocols to choose from as the upgrades on the great firewall of China are becoming increasingly tense.


The main advantage of ExpressVPN is it is the fastest and easiest to use. Accompanied by a 30-day money back guarantee. Although there is no free trial to using this VPN. An approximate server count of 1000+ servers and 24/7 support it is hard not to see why one will not choose the option. Prices ranges from a difference of: Monthly: $12,95; Yearly: $8.32


Of the three, this is the most secure VPN, although there is no money back guarantee – there is a 3-day trial In which one can test if the VPN works to complete satisfaction. With an average of 700+ servers and 24/7 support,This makes a perfect VPN use if you are often communicating with those overseas and working abroad. Prices range from a difference of: Monthly - $9.99 to $19.99. Yearly - $8.32.


If money is an objection, then this is the VPN that you may want to consider purchasing as it is the cheapest VPN, with a 7-day money back guarantee. Although it is significantly lower than the previous two, PureVPN boasts a 500+ server range as well as 24/7 support. The prices range from a difference of: Monthly – $9.95. Yearly - $3.75. 

So not only can a VPN help us reach important dynamic sites that have been blocked inside certain countries, it also promiotes safety, privacy and security while surfing the web and while working through the web. 

So YES you can use a VPN in China and NO it's not illegal, although you should consider investing a bit of your time into researching the best VPN’s to use in China If the three above do not match your desires. However, no matter where you are in the world, even if you’re not in China, you should consider the benefits in investing into a personal VPN.

Uncategorized http://www.qoiza.com/blog/is-using-vpn-legal-even-in-china-6/ http://www.qoiza.com/blog/is-using-vpn-legal-even-in-china-6/ Editor Wed, 22 Jun 2016 10:45:47 -0400
Outsource Your Intranet? It Makes More Sense Than You May

When it comes to outsourcing, people might think about things like hiring a remote team in China or India, or getting a remote assistant from other coutries. However, is it possible to outsource your intranet?

Until recently, if a company wanted to implement an intranet, they first had to install an internal network. Next they had to install a web server and set it up to host their internal documents. This created an intranet, which is an internal network that uses web-based technology. The difference between an intranet and a traditional company network is that everything on the intranet is accessed through a web browser.

To secure access to the intranet, the company needs to install special software, set up firewalls, and install a VPN server or switch. The equipment could be very expensive and most companies had to hire or train someone to maintain everything.

As a result, intranets were beyond the reach of smaller companies. However, all of that has changed. There are now a number of service providers that offer hosted intranet solutions, which allows a company to outsource all the hardware, software and maintenance for their intranet. These service providers are sometimes referred to as intranet application service providers (intranet asp).

Why Host Outside Your Company?

For smaller companies, cost may be the determining factor. For larger companies, unless the necessary infrastructure already exists, not having to purchase new equipment and train personnel may make it more cost efficient than doing it themselves.

Advantages of a Hosted Intranet

-> Hardware and software do not need to be purchased or installed
-> Security measures such as authentication, regular backups and disaster recovery are already in place
-> Personnel to maintain the equipment do not need to be hired or trained
-> Many applications are already available from the hosting company
-> Technical support provided by the hosting company

Disadvantages of a Hosted Intranet

-> Data may or may not be more secure than if it was all kept internal to your company
-> Possible limitations on the software you use and services you can provide
-> For larger companies, it may be more expensive over the long run than hosting internally.

Uncategorized http://www.qoiza.com/blog/outsource-your-intranet-it-makes-more-sense-than-you-may-5/ http://www.qoiza.com/blog/outsource-your-intranet-it-makes-more-sense-than-you-may-5/ Editor Tue, 14 Jun 2016 10:42:39 -0400
How Does Cloud Computing Work? Cloud computing is definitely having a huge impact in society. Most large companies like Facebook are opting to go in this direction because it is effective and makes economic sense. In addition to this, cloud computing is able to integrate computers in an organization to save both time and vital resources such as software.

Cloud computing has been termed as the next level of the internet age, and more and more people are making use of it. However, to fully appreciate what it is all about, you need to understand how it works. The following information gives you details.

The Basics of Cloud Computing

Cloud computing employs trusted specialized companies to store vital data and components on your behalf. Your access therein will be made easy and your workers can access this large database of information and processes. In the cloud, email serving, data storage and specialized protocol can be observed with utmost ease. This happens because of an integrated infrastructure base that is held together by dedicated servers to deliver accordingly. The two main areas of a cloud are the front end and the back end.

The front end is the interface that is accessed by the user on their computer. It is basically revealed through a web browser and a company can enter the cloud to access this vital information at any time. The ability to network different software and hardware to serve many computers has defined the word cloud. It does not work by inflicting any heavy load on your personal machine; it works by simply availing all relevant information and databases in an efficient manner. The front end is as a result of the intricacies that take place at the back end.

The back end is the nerve centre of every tool and infrastructure needed to make cloud computing possible. It is composed of vital software and application tools that make mass storage possible. The back end tools are also responsible for the intelligent communication to the front end owing to specialized programming mechanisms applied therein. With this system, you will be able to integrate any worker in the cloud without having to buy additional software that allows them to perform their job. It is a complex system that has been created to enhance coordination and access to vital resources that allow your businesses to be conducted accordingly.

The architectural prowess of any cloud is maintained by the companies that provide these services. They are also tasked with providing or creating essential backup systems which will keep the data of clients safe at all time. They implement dedicated servers to make the process a success. Depending on the needs of a client, private, public and hybrid clouds can be defined to ensure access control. Safety is critical and with specialized cloud companies, delivery of essential software and data has become a mainstay.

It is worth noting that cloud computing has been here for some time. Mega companies who have enormous data and software needs have led the way to use the cloud. However, the future is clear and the cloud might just feature more prominently. All in all, it is a system that allows for better computing infrastructure and is definitely welcomed by businesses.

Uncategorized http://www.qoiza.com/blog/how-does-cloud-computing-work-4/ http://www.qoiza.com/blog/how-does-cloud-computing-work-4/ Editor Sun, 12 Jun 2016 06:15:35 -0400
The Benefits of Using the Cloud Moving to the cloud for any business is certainly bound to come with an array of merits. Cloud computing is after all becoming a mainstay of technology. Large companies have been able to achieve their goals by going in this direction.

It is all about offloading and leaving the work to experts for a seamless flow of work and activity in your business. It is very clear that there are many benefits of using the cloud. This article gives you a detailed look into the top merits that you can look forward to.

Tap into the Economies of Scale

The cloud allows you to have more productivity even if you are working with few people. This is because the output is greatly increased. Additionally, it is a sure way to reduce wastage of resources because you only buy the service when you need it. This is unlike what companies used to do in the past, when they invested in expensive software and hardware even when they were not necessary. In the cloud, your cost per unit is bound to come down, making you enjoy the awesome economies of scale.

Remove the Need for Maintenance

Because you do not have to deal with any software or specialized hardware to accomplish your goals, there is no maintenance needed. This will further save your costs, enabling your business to make more money. However, for those who maintain hosted servers, maintenance cost will still be in the picture. The ideal situation is where the cloud service provider uses their own servers, eliminating this maintenance cost.

Easy Access and a Global Outlook

As long as your workers have access to the internet, they can log into the cloud from anywhere in the world. This has made this technology versatile and has provided a new outlook that is international. In this regard, a business can further grow globally by ensuring that all workers are well connected to the cloud and that a lot of work is done. This global outlook for work infrastructure is valuable to say the least.

Enhanced Project Monitoring

Since you have access to all the projects going on in your business in the cloud, you can monitor work more effectively. This way, you will ensure that work cycles are effective and followed through. No matter where you are, you will be kept on top of your game, making business management and monitoring a very easy task. This has been seen to dramatically improve productivity.

Reduction of Staff Training Costs

Since the cloud systems are straightforward and easy to grasp, the need to train personnel is reduced greatly. With a reduced workforce, you will work with competent people and ensure productivity is kept high. The staff does not have to learn about software and hardware infrastructure, saving a lot of time as well.

Data Is Backed Up

In the cloud, data is always backed up and there is no fear of any loss. Therefore, people can conduct their business with the knowledge that there is complete safety. Conventional systems do not guarantee backup unless expensive data recovery measures are enforced. With cloud services, you can put all your fears to rest.

It is obvious that the list of benefits can go on and on. Most companies have realized the merits and they are using some form of cloud in their operations. It is worth going through all the merits so that you can make an informed decision about choosing to hire cloud services.

Uncategorized http://www.qoiza.com/blog/the-benefits-of-using-the-cloud-3/ http://www.qoiza.com/blog/the-benefits-of-using-the-cloud-3/ Editor Fri, 06 May 2016 17:09:02 -0400
Things You Can Do on the Cloud Cloud computing technologies can help companies save a lot of cash by taking away the burden of acquiring servers, software, the people required to provide enterprise services, deployment of customized shelf solutions and shared technology solutions - all of which are very important in supporting the mission of the business.

Most vendors use infrastructure, software and servers to provide specialized services to the organization. Cloud computing will help organizations by providing scalable and dynamic computing resources over the internet. These computing services are delivered virtually through online servers and data centers to anyone who can access the network.

You Need to Identify the Need

Cloud computing provides a lot of benefits that include email, file storage, calendars, documents, etc. Some of the cloud computing providers like Google provide a tool that helps you to compare Google mail costing versus Microsoft Exchange. Others like Astadia will provide a basic tool used for calculating your return for investing on cloud services. If you are planning to introduce something new, you can use social media as a platform to raise awareness.

Carefully Think about Your Company’s Data Protection

This is an important function that is provided by cloud computing. A good example is when you use a meeting management tool which is available online and it provides a low risk. Users have little control over the place where the provider stores their data. The storage could be in a different country that has different privacy laws. This function is a deal-breaker for organizations that work with vulnerable communities such as asylum seekers and refugees.

Staying Connected with the Rest of the World

Cloud computing encompasses social media tools that include Twitter and Facebook, which helps the users to stay connected.

Data Recovery

The cloud is very successful when it has been pre-configured for disaster recovery. The cloud recovery plan is an important application that works automatically when data or a server crashes, since it will help to recover the data at the earliest time possible. By incorporating these applications it enables the cloud to be an efficient platform to manage PaaS, SaaS and IaaS competitively.

Optimizing the Existing Resources

If your company is facing a tough time managing software and hardware, or your servers are running low and there is limited space left, then look for cloud services. With cloud services, your existing servers will get a rest from being overloaded and your company’s work environment will be synchronized.

Enhancing Device Independence

Cloud service helps to reduce the worries of tracking your software and hardware devices. This is because the cloud enables you to move from a physical world into a new virtual world, and you don’t think about what is going on at the in-house IT department. You can let the cloud manager to do the hard work of getting rid of that expensive software and hardware.

The Cloud Helps to Cut Cost

Don’t lag behind when everyone is quickly moving to cloud technology and starting to enjoy a cost-effective business environment. The cloud will promote device independence and automatically reduce the cost of software and hardware.

Cloud computing is currently the most promising IT technology in the world today. Most companies are now using cloud services and they are achieving their desired goals. Cloud computing provides a lot of applications to businesses which are beneficial in the long run.

Uncategorized http://www.qoiza.com/blog/things-you-can-do-on-the-cloud-2/ http://www.qoiza.com/blog/things-you-can-do-on-the-cloud-2/ Editor Sun, 17 Apr 2016 06:07:13 -0400
Top Cloud Storage Services Cloud computing is becoming very popular in society, even for individuals. People are realizing the merits of going this direction. There are so many possibilities in the cloud and the most significant one is the ability to store files and data safely. This way, no matter where you are in the world, you can access your information as long as you are connected to the internet. Better yet, you can connect to your files using a smartphone. This saves a lot of time and money, making things easier.

All this has been made possible by cloud storage services. The following is a look at the top cloud services. It is also worth mentioning that many of the top storage services offer free storage and people who need bigger capacities or space can then purchase it.

Google Drive

This cloud storage service was launched in 2012 and it is a great way to organize your files in the cloud. Here, you have a chance to share and store spreadsheets, documents, files; the list is long. You can do this in a completely safe manner. Your online file storage is very secure. It is also versatile because you can edit your documents as you desire. The best thing is that you can do this together with your workmates.

To begin with, you will have 5GB space to do all your stuff and you can increase your capacity as you wish; the maximum space being 10GB. Chrome, Android, Apple and Mac devices are all supported by this cloud storage service from Google.


This is one of the most popular cloud storage services and it was launched in 2007. It is a great place to store your files and photos as you like. Share all your documents with your friends as well. To start off, you will have a space of about 2GB and upon successful referral to others, you can increase your space. It is a free service that has gained a lot of popularity in the market. For PC, Mac, Android and more, you will be in a position to use Dropbox without any hassle. Here, you can upload many files without any limit. You will find both desktop and mobile applications.

Microsoft OneDrive

This is yet another cloud storage service that is provided by Microsoft. It makes file hosting possible with an initial space of about 7GB. You can store unlimited files and if you need any additional space, you can consider a paid plan as desired. Here, you can expect to find office applications like Excel, Word, One Note, PowerPoint and more. Within a browser, you can create, edit and share documents as you desire without others.

There are many options when it comes to cloud storage services. The great news is that you can use these platforms free of charge. It is a chance to see how well you can integrate your business or work to the cloud. If you are pleased, you can roll out a bigger capacity and purchasing plans will be well in order. There is no question that this is the future of the internet. It makes work much easier and saves you lots of time, money and heartache.

Uncategorized http://www.qoiza.com/blog/top-cloud-storage-services-1/ http://www.qoiza.com/blog/top-cloud-storage-services-1/ Editor Sat, 26 Mar 2016 06:02:52 -0400