Founded in 2017, WorkApps with its enterprise-grade messaging platform for large organisations has been working towards enabling enterprises to augment their communication efforts, improve efficiency and change the way people collaborate and work together. “While we worked with enterprises, we realised the communication requirements for sectors were different and specialised and needed messaging solutions,” shares Rudrajeet Desai, Co-Founder and CEO, WorkApps.

The realisation saw the startup led by Rudrajeet Desai, Shankar Borate and Kaizad Shroff mastering workflows to make chatting as well as audio and video calling more effective for banks, NBFCs, insurers and the other players of the FinTech sector.

“Today, we are synonymous with being a video banking company. WorkApps’ video platform enables banks in the sector to migrate business processes and customer interaction to video channels,” he says.

This includes 14 key processes such as KYC, credit verification, loan and wealth advisory, customer support, online assistance during digital onboarding, video Medical Examination Report, and asset verification among others.

As the WorkApps’ video banking solution gained momentum, one use case in particular, began gaining increased traction – the VideoKYC. Further impetus came in the form of an RBI amendment to the KYC norms in January 2020 that allowed banking and other lending institutions regulated by it to use Video-based Customer Identification Process to onboard customers remotely. And, with the onset of the COVID-19 pandemic in India, the nationwide lockdown thereafter, and the need for minimising physical interaction saw the video KYC solution gaining increasing significance so much that VideoKYC has been rolled out as a product in itself within the larger gamut of the WorkApps’ video banking solution.

Watch the video to see how VideoKYC makes it easy for banks, NBFCs, payment banks, small finance banks, wallets, fintech to onboard customers remotely seamlessly

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Building on AWS

While the environmental factors provided the nudge for accelerated adoption, the key growth drivers for VideoKYC have been its depth of features, smooth user journey, security and data ownership. And AWS has played a key role in enabling this. “VideoKYC’s development, staging, testing and production setups are hosted on AWS enabling a product company like us to focus only on core product and feature development. It helped us reduce the effort required to deploy and manage development infrastructure by almost 80 percent,” says Rudrajeet.

This has translated into a faster time-to-market. “What would otherwise take three months gets done in three weeks when you are leveraging AWS services.” Pointing to the face match with documents feature on VideoKYC, Rudrajeet says it would have been extremely challenging for a small startup like WorkApps to create a face comparison feature on its own from scratch. On AWS, it’s literally like a takeaway. You can integrate a face comparison feature by leveraging Amazon Rekognition in just about three hours.”

In addition to Amazon Rekognition, VideoKYC uses a range of services like AWS Elastic Load Balancer, Amazon Relational Database Service (RDS) for MySQL, Amazon ElastiCache for Redis, Amazon Elasticsearch Service, AWS Lambda, Amazon CloudWatch, and Amazon Simple Email Service, among others.

“The Video KYC platform runs on different traffic such as https, web sockets for web and TCP (Transmission Control Protocol)/UDP (User Datagram Protocol) for audio/video traffic. The different load balancer options such as Application Load Balancer (ALB) for https and Network Load Balancer (NLB) for TCP and UDP available on AWS Elastic Load Balancer addresses our different needs. The inherent capabilities of these load balancers to scale for different loads solve our scalability concerns,” explains Shankar, the CTO and Co-founder. And, given that different banks have different capacity needs, which also vary at different times during a day, Amazon EC2 helps to scale up and down the infrastructure, providing cost savings in addition to flexibility. VideoKYC also leverages Amazon Simple Email Service to send notifications to email and uses AWS Lambda to call their messaging service to integrate alerts to its chat platform. “This way we can see all the alerts in e-mail as well as in the chat application,” says Shankar.

The AWS advantage

The breadth of AWS services, its ability to facilitate scale, and the quick turnaround time to setup infrastructure were critical aspects that led VideoKYC to choose AWS. But another but equally critical reason to choose AWS was its strong security framework.

“AWS provides many native security features, which are required when you operate in the Banking and Financial Services space. And, KYC in particular is a highly regulated subject in India because you are owning very critical information such as bank account details, Aadhar card details, among others,” says Shankar.

AWS provides different security control such as Virtual Private Network (VPC),Security Groups, and Identity and Access Management (IAM) roles to control the accesses of infrastructure along with secure connections using Virtual Private Network (VPN) and Secure Shell (SSH), Shankar explains.

While VideoKYC offers a number of deployment options – from a complete SaaS model hosted on AWS (Mumbai Region) to Hybrid SaaS model to private cloud or even traditional on-premise model, most of its clients are on AWS. “So this makes deploying and managing our platform on their AWS infrastructure extremely simple, reducing the time-to-market and the cost of management and support.”

A pioneering effort

Today, VideoKYC powers over a million transactions for India’s top banks, which includes Kotak Bank, Axis Bank, IndusInd Bank, ICICI Bank, Paytm Payments Bank, RBL Bank, and Yes Bank. In addition to that, other BFSI players like HDFC Life, Aditya Birla Capital, Max Life Insurance, Tata Capital, Muthoot Capital also use various other services of WorkApps. Rudrajeet says that VideoKYC has been a pioneer in the space. “We were the first to launch the solution with Kotak 811, and today we are also the largest deployed solution in the BFSI sector.”

The on-ground impact speaks for the efficiency and effectiveness of VideoKYC.

“It has brought down the customer onboarding time to 15 minutes from an average of 48 hours as is the norm in a physical KYC process. Banks also save about 90 percent of the KYC cost when done on video. In addition w.r.t. the consumer convenience perspective, the impact is massive,” says the CEO. He adds, “The Video KYC platform, which is deployed on AWS by most of our customers has become the largest customer acquisition channel for banks in India.”The global opportunity

Reflecting on VideoKYC, Rudrajeet says creating a video KYC platform when there was no set precedent and then working on it to develop and nurture into a market-winning enterprise grade platform has been a journey that has catapulted the startup to growth.

“VideoKYC has today become a WorkApps’ flagship product.” The support of angel investor Sashi Reddi (SRI Capital) has also provided the startup much needed guidance on building a global product.

The founder explains that the startup’s strong understanding of the banking and NBFC sector and its dominance in the Indian market has doubled up as an advantage to further its global expansion plans. “The volume that Indian banking players handle is very large. In fact, the volumes handled by one single leading banking player in India is often equivalent to an entire country’s banking volume in some cases. In addition, when it comes to digital banking regulations, India is a forerunner in the space. So, there’s a lot to learn from India for other markets.” It has already channelised efforts in the direction by launching in Thailand in August. “We are in talks with local banking players,” reveals the Founder. Middle East and SouthEast Asia will be a key focus area for VideoKYC's global expansion in the coming months. “While the KYC regulations will be different across regions, we are looking at co-creation to win the market,” says Rudrajeet.

Industry experts say that the accelerated shift to digital will fundamentally change the way banks will scale and grow. Rudrajeet concurs and says “Video will be the future of banking and WorkApps aims to become the default video banking platform for the sector.”

Want to make your startup journey smooth? YS Education brings a comprehensive Funding Course, where you also get a chance to pitch your business plan to top investors. Click here to know more.

Original Source: yourstory.com

As the National Vaccine Information Center (NVIC) prepares to host the three-day, three-night Fifth International Public Conference on Vaccination that will be broadcast online October 16 through 18, 2020, the theme we have chosen is “Protecting Health and Autonomy in the 21st Century,” because at no time in modern history has it been more important for all of us to take a stand and do just that.

This year, the orchestrated actions by governments around the world to restrict or eliminate civil liberties in response to the emergence of a new coronavirus has been unprecedented, and has had profound effects on the global economy and on the physical, mental and emotional health of billions of people.1

By mid-September 2020, there were about 29 million cases of the new Severe Acute Respiratory Syndrome (SARS-CoV-2) reported worldwide with about 925,000 associated deaths.

The United States, the third most populated country in the world at 330 million people, had recorded over 7 million cases and 198,000 deaths, with an estimated 598 deaths per million people, which is a higher death rate per million people than Sweden,2 where health officials have refused to order masking or lock down the country and allowed the population to acquire natural herd immunity to the virus.3,4

Overall COVID-19 Mortality Is Less Than 1%

According to the World Health Organization, the overall infection mortality rate for the new SARS coronavirus causing COVID-19 is about 0.6%,5 although some scientists say it is lower,6 while others estimate it can be as high as 1 to 2% in some parts of the world.7

Compared to Ebola with a 50% mortality rate8 or smallpox that killed 30%,9 or tuberculosis that still is a deadly disease killing 20% to 70%,10 or diphtheria at 5% to 10%,11 or the 1918 influenza pandemic with a 2.5% mortality rate,12 COVID-19 is near the bottom of the infectious diseases mortality scale with a less than 1% mortality rate in most countries.

Those at highest risk for complications and death include the elderly and those with one or more poor health conditions.13

The CDC recently reported that only 6% of COVID-19-related deaths were solely due to coronavirus infection and 94% of the people who died also had influenza or pneumonia; heart, lung or kidney disease; high blood pressure; diabetes, or another underlying poor health condition.14 Most studies suggest it is rare for children to suffer complications and die from COVID-19.15

But seven months after the World Health Organization (WHO)16 declared a coronavirus pandemic,17 and public health officials persuaded lawmakers to turn the world upside down, a lot of people are asking questions and so are doctors who disagree with each other about the facts. Questions like:

Where did the new respiratory virus come from?

The most popular narratives about the mutated coronavirus is that it either jumped out of a bat or another animal in a Chinese wet food market18,19 or escaped out of a biohazard lab in 2019,20,21 but scientists continue to argue about which scenario is more likely.22 And this question:

If I wear a cloth facemask, does it really prevent me from getting infected with or transmitting COVID-19?

There is an ongoing debate in the medical community about whether it is a good idea for all healthy children and adults to wear cloth masks when they leave their home.23 In March 2020, the U.S. Surgeon General ordered the American public to stop buying and wearing masks because “they are not effective in preventing general public from catching coronavirus”24 and “actually can increase the spread of coronavirus,” which was the position of the World Health Organization.25

But in April, the CDC walked back its “do not mask” order and urged all healthy Americans to voluntarily wear homemade cloth face coverings when entering public spaces.26

In June, the WHO was continuing to say that, “At the present time, the widespread use of masks everywhere is not supported by high-quality scientific evidence, and there are potential benefits and harms to consider … Masks on their own will not protect you from COVID-19.”27

But by June, a number of state Governors and local governments had mandated facemask wearing and an epidemic of mask shaming had begun,28,29 which led to public protests against masking mandates.30 In August, the CDC doubled down and expanded face masking directives to include all children over the age of 2,31 while the WHO warned that children under the age of 6 should not wear masks but children over age 12 should.32

So, confusion reigns. While some scientists are saying that if all healthy people are forced to wear face masks it will not stop the coronavirus pandemic and gives a dangerous and false illusion of safety,33 other scientists are demonizing the refusers, alleging that people refusing to mask up are “sociopathic” and have lower levels of empathy.34

About 30 U.S. states require masking for young children and adults who enter public spaces,35 and some states are leveling steep fines of up to $1,000 or threatening jail time for anyone who fails to comply.36

Washington state has made not wearing a mask in public a misdemeanor crime37 and central Texas officials say they wish they could put people in prison for refusing to wear a mask.38 More than 50 countries in the world now require people to cover their faces when they leave home and some do fine and imprison people who go outside without wearing a mask.39

So, what about getting tested for COVID-19? The CDC says that people should get tested if they have COVID-19 symptoms or have been in contact with someone who has been diagnosed with the infection. There is also an antibody test to identify whether or not you have been infected in the past.40 But lab tests are not always reliable and people are asking this logical question:

If I get a lab test, will it accurately identify if I am currently infected or have been infected with COVID-19 in the past?

Unfortunately, it’s not clear how accurate any of the tests are, especially the antibody test for past infection because the presence of antibodies may not be the only way to measure immunity.41 The best guess is that the range of reported false negative results for the nasal swab test is between 2% and 50%, and the reported false negative results for the antibody blood test is up to 30%, depending upon when during or after the infection testing is performed.42

In July, a state lab in Connecticut admitted that 90 out of 144 people tested during a 30-day period — most of them nursing home residents — were inaccurately informed they were infected because of faulty, false positive lab tests.43 In August, 77 football players in the National Football League were given false positive test results when, after retesting, all the tests came back negative.44 People are also wondering what happens after they get COVID-19, asking this question:

If I recover from COVID-19 will I only get temporary immunity or will I have long-term immunity against reinfection?

The CDC says it is unknown how long immunity lasts or whether you can get the new coronavirus infection twice.45 However, last spring researchers found that out of 68 uninfected persons, the blood from one third of them contained helper T-cells that recognized the mutated SARS coronavirus.

They concluded the presence of these defensive helper T cells gives evidence for some residual immunity that may have been produced after common cold infections caused by other types of coronaviruses. This, the scientists said, “bodes well for the development of long-term protective immunity.”46

Another important study was published in the medical literature in August providing evidence for robust memory T cell immune responses in people who had recovered from even mild or asymptomatic cases of COVID-19, but had no detectable virus-specific antibodies.47

If people can have strong immune responses without symptoms and traditional antibody tests for proof of immunity don’t apply to COVID-19, public health officials may be underestimating the extent of population-level herd immunity that already exists in the U.S., where there have been more cases reported than anywhere else.

COVID-19 Public Health Laws a Public Relations Disaster

While doctors debate the science, it is becoming clearer that the response to the new coronavirus infection by government health officials has been a public relations disaster. The anxiety, fear and chaos created by regulations instituted by most governments after the declaration of a COVID-19 pandemic this year has torn the fabric of societies and affected public opinion about public health laws and vaccination.48

Now the people are being told that there is one — and only one — simple solution to resolving the crisis and getting back to normal: that is, the only way we can take off our masks and touch, hug, kiss or come close to each other again49,50,51,52,53,54 is for every person living in every country to get injected with one of the liability-free COVID-19 vaccines being fast tracked to market.55,56,57,58,59

Governments have given pharmaceutical companies a liability shield from lawsuits when COVID-19 vaccines injure or kill people. The hard sell is on, but a lot of people are NOT buying it. Every poll taken this year has revealed that between 40% and 70% of people living in the U.S. and Europe do not plan to get a COVID-19 vaccine when it is licensed.

In April, WHO officials at the United Nations launched a global initiative “to end the COVID-19 pandemic,” proclaiming that “no one is safe until everyone is safe.”60 By May, they were warning that if every person in the world doesn’t get injected with a COVID-19 vaccination, the virus “may never go away.”61 

The WHO,62 U.S. government63,64,65,66 and lawmakers in the European Union,67 along with wealthy and politically powerful nongovernmental organizations (NGOs) like the Gates Foundation,68,69,70 GAVI, the Vaccine Alliance,71 and Coalition for Epidemic Preparedness Innovations (CEPI)72 have given the pharmaceutical industry tens of billions of dollars to develop and fast-track experimental coronavirus vaccines to market and promote their universal use.73,74

At the same time, governments have given pharmaceutical companies a liability shield from lawsuits when COVID-19 vaccines injure or kill people.75,76 The hard sell is on, but a lot of people are NOT buying it.

People Are Rejecting the COVID-19 Vaccine Sales Pitch

Every poll taken this year has revealed that between 40% and 70% of people living in the U.S. and Europe do not plan to get a COVID-19 vaccine when it is licensed.77,78,79,80,81,82 Populations in developed countries are resisting the siren call for “solidarity,” as doubt about COVID-19 vaccines is becoming more common in developing counties, too.83

The pushback by a wary public has taken government officials by surprise. Apparently, they were banking that the economic and social deprivation, fear and chaos surrounding lockdowns would produce a bull market for experimental mRNA and DNA COVID-19 vaccines using technology that never has been licensed for humans.84

It is widely acknowledged now that a solid two-thirds of Americans or more will “just say no” to getting injected with a vaccine containing lab altered parts of a new coronavirus that scientists admit they still don’t know much about,85 vaccines that preliminary clinical trials have revealed may well cause more than just a few minor reactions.86 

A frustrated top U.S. health official has name-called Americans who refuse to go along with public health policies and laws, calling them “anti-science” and “anti-authority.”87,88 The truth is, people in this country and many others just don’t have confidence in the quality and quantity of the science or government health officials they are being told to trust.89

Angry that a growing number of people are reluctant to roll up their sleeves for a vaccine that is being rushed to market at “warp speed,” public health officials,90 billionaire Silicon Valley technocrats,91,92,93 doctors, attorneys and bioethics professors94,95,96,97,98 and politicians99 are beating the drum for swift enactment of “no exceptions” mandatory vaccination laws as soon as COVID-19 vaccines are licensed.100

Already, some cheerleaders at leading universities are banging that drum for approving and using experimental COVID-19 vaccines even before testing is done,101 and are calling for young, healthy people to be the first to get the vaccine because it is their “civic duty” to protect everyone else.102

They warn that “herd immunity may not be achieved if people refuse to take the coronavirus vaccine,”103,104 and say that, in order to keep society “safe,” laws must be passed to threaten and coerce you and your minor children to get vaccinated or face crippling social sanctions that will effectively take away your liberty and destroy your life.105

People in US and Other Nations Rise to Defend Freedom

This summer, huge public demonstrations defending freedom in Berlin,106 London,107 Paris108 and Copenhagen saw tens of thousands of citizens gather to protest masking109 and other oppressive coronavirus lockdown policies, which have severely restricted normal physical contact between people, caused widespread unemployment,110 and harmed their physical, mental and emotional health.111

Like in Europe, people living in Canada,112 Australia113,114 and New Zealand115 also are resisting months of social distancing policies that have eliminated fundamental human rights, such as freedom of speech and assembly.

The U.S. has seen similar but smaller public demonstrations opposing forced masking, social distancing and lockdown laws and defending freedom in Virginia,116 Pennsylvania,117 Wisconsin,118 Michigan,119 California120 and other states, as record numbers of Americans struggle with unemployment,121,122 the destruction of small middle class businesses,123 mortgage defaults124 and bankruptcy filings;125 steep increases in anxiety and depression,126,127 drug and alcohol addiction,128 child and spousal abuse,129 and divorce.130

Social Sanctions for Failure to Get Vaccinated May Align With Lockdown Sanctions

The punishing social sanctions being talked about if you refuse a COVID-19 vaccination are likely to be enforced using government-operated electronic tracking systems linked to digital “immunity passports” that require you to “prove” you are immune to the new SARS coronavirus before you are allowed to work in an office building or enter other public spaces.131,132,133,134

These social sanctions for failure to vaccinate may closely resemble the types of social interaction restrictions enforced in the U.S. and other countries over the past year.

In the U.S., most public health laws, including vaccine laws, are enacted by the states,135 while the federal government makes vaccine use recommendations and can mandate vaccines for people crossing national or state borders. Local city and county governments also can impose their own public health regulations.136 That is why some states and cities have seen very restrictive COVID-19 pandemic masking137 and lockdown regulations138 and others have been more open.139

So, whether or not you will be punished for refusing to get a COVID-19 shot next year primarily will be determined by your state’s governor and the representatives who have been elected to make laws in your state capitol.140

Depending upon where you live and the political philosophy of the majority of representatives in your state legislature, after the COVID-19 vaccine is licensed by the federal Food and Drug Administration (FDA) and recommended by the CDC for use by all children and adults,141 if you refuse to get a COVID-19 shot, you could be blocked from:142

Being employed and going to work in an office

Getting an education

Obtaining a driver’s license or passport

Boarding a train or other public transportation

Attending a sports game or concert

Entering a store, restaurant, bar, coffee shop or nail salon

Booking an appointment with a doctor

And you could be prohibited from checking into a hospital for surgery, or visiting a family member in a nursing home, or blocked from obtaining private health insurance and Medicaid or Medicare.

In other words, if you refuse to get a coronavirus vaccination, you could be subjected to the kinds of punitive social sanctions I have been predicting and publicly warned about since 1997,143,144,145,146 sanctions that are already being applied to Americans who decline to get or give their children dozens of doses of CDC “recommended” liability-free vaccines147 and already are being denied an education, medical care and employment.148,149

Broken Promises Leads to Broken Trust

Doctors and public health officials wondering why people don’t trust what they say about infectious diseases and vaccination, including coronavirus and COVID-19 vaccines, only have to look in the mirror to answer the question.

Since 1982, parents of vaccine injured children have been begging doctors to do the kind of science that will explain why so many highly-vaccinated children, who don’t get measles or chicken pox anymore, are stuck on sick and suffering with brain and autoimmune disorders that never go away.150 For four decades, we have been asking doctors and government health officials to stop sweeping casualties of inhumane one-size-fits all vaccine policies, under the rug.151

What we get from medical professors in universities receiving lots of money from the government and pharmaceutical companies, and from doctors developing vaccines, and from public health officials pushing “no exceptions” vaccination policies are threats, name-calling, bullying and punishment if we try to exercise informed consent to vaccination.152,153,154 There is no other word for it but abuse.

They order us to obey them but refuse to take responsibility for what happens when we obey the orders they give. They expect us to trust them and refuse to care about the victims of vaccination when the benefits do not outweigh the risks.

Instead, they act to protect the power and profit-making of their business partners: the pharmaceutical industry, medical trade associations, multinational media corporations and Silicon Valley billionaires, and leave vaccine victims to take care of themselves. What’s trust got to do with it?

Broken trust has everything to do with why the majority of people in the U.S. and Europe do not want to roll the dice and find out whether the odds of surviving a COVID-19 vaccination are in their favor.

It is during this extraordinary time of great challenge and opportunity that NVIC is sponsoring the Fifth International Public Conference on Vaccination. Our conference will create an expanded base of knowledge about vaccine science, policy, law and ethics brought to you by more than 40 distinguished speakers, who will empower you with information you need to become an effective vaccine freedom advocate.

Go to NVIC.org and register today for this historic conference celebrating freedom of thought, speech and conscience and gain permanent online access to this valuable video library of information. It’s your health, your family, your choice. And our mission continues: No forced vaccination, not in America.

Original Source: articles.mercola.com