Abhi

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When it comes to machine learning (ML), speed is the name of the game. The faster you can prepare your data, train your models, and deploy them into production, the quicker you can unlock insights and drive value for your business. Achieving this speed will require more from your company than just raw computing power. You’ll need a strategic approach to data pipeline development, cloud integration, and infrastructure planning. Your goal is to expedite the readiness of your ML models, and you can’t go wrong with some advice from an industry leader. Abhijeet Rajwade is the senior customer engineer at Google, where he spearheads the development of cloud, data, and digital workplace solutions for enterprise clients in the USA. He’s also contributed to the development of AI infrastructure and cloud technologies for years. If anyone in the industry knows how to get this right, it’s Abhijeet. The Importance of Simplifying Data Pipeline Development to Transform Data At the heart of any ML endeavor lies the data. But, preparing data for analysis and model training can be a complex and time-consuming process. That’s where you could use Google Dataflow to build a data transformation pipeline to help data readiness for Enterprise AI Workloads. Abhijeet focuses a great deal on the importance of streamlining dataflow development to enhance data engineers’ productivity. He was the product manager in charge of developing a Cloud Code Plugin for Dataflow that reduced the learning curve and ramp-up time for building dataflow streaming pipelines. This product offered several key features to enhance the developer experience, mostly accelerating the development cycle and mitigating errors more efficiently. By streamlining the creation and execution of data pipelines, organizations can accelerate the process of ingesting, transforming, and preparing data for ML tasks like feature engineering, model training, etc. Whether cleaning messy datasets, extracting relevant features, or aggregating information from multiple sources, simplified dataflow development tools empower data scientists and data engineers to focus on what they do best: analyzing data and building models. Strategic Cloud Capacity Planning: Optimizing Resources for ML Workloads In tandem with streamlined development processes, strategic cloud capacity planning plays a pivotal role in expediting ML model readiness. “Cloud capacity management is a key part of an effective IT strategy,” Abhijeet has said. “Cloud capacity planning not only ensures workloads have the required resources but also reduces the cloud bill due to overprovisioned workloads.” By evaluating capacity requirements, reviewing historical usage patterns, and strategizing capacity planning based on business needs, organizations can optimize resource allocation for ML workloads. This approach not only enhances performance but also reduces costs by ensuring optimal resource utilization. Accelerating ML Model Readiness with Integrated Solutions The convergence of dataflow development simplification, cloud code plugin integrations, and strategic cloud capacity planning offers a comprehensive solution for expediting ML model readiness. As organizations embrace these integrated solutions, they can navigate the complexities of ML model development with greater efficiency and agility. With tools and strategies designed to streamline development processes and optimize resource utilization, the journey from concept to deployment becomes a seamless and accelerated endeavor. The Industry is Changing—You Can Change With It “Reinvention is the fuel of resilience,” says Abhijeet. “But the ability to reinvent yourself ensures you’re not left stranded. You can adapt, learn new skills, and emerge stronger and more adaptable.” Is your company ready for the AI revolution? Many enterprises are on the brink of transformation, but without the right data and infrastructure strategy, they risk being left behind. This is where Abhijeet Rajwade can help. As a seasoned expert in designing solutions to transform data and leverage cloud infrastructure for AI workloads, he’s ready to design solutions that transform data and leverage cloud infrastructure to its greatest potential. The future is here, so it’s time to make sure your plans are ready for it. When it comes to machine learning (ML), speed is the name of the game. The faster you can prepare your data, train your models, and deploy them into production, the quicker you can unlock insights and drive value for your business. Achieving this speed will require more from your company than just raw computing power. You’ll need a strategic approach to data pipeline development, cloud integration, and infrastructure planning. Your goal is to expedite the readiness of your ML models, and you can’t go wrong with some advice from an industry leader. Abhijeet Rajwade is the senior customer engineer at Google, where he spearheads the development of cloud, data, and digital workplace solutions for enterprise clients in the USA. He’s also contributed to the development of AI infrastructure and cloud technologies for years. If anyone in the industry knows how to get this right, it’s Abhijeet. Abhijeet Rajwade Abhijeet Rajwade The Importance of Simplifying Data Pipeline Development to Transform Data The Importance of Simplifying Data Pipeline Development to Transform Data At the heart of any ML endeavor lies the data. But, preparing data for analysis and model training can be a complex and time-consuming process. That’s where you could use Google Dataflow to build a data transformation pipeline to help data readiness for Enterprise AI Workloads. Abhijeet focuses a great deal on the importance of streamlining dataflow development to enhance data engineers’ productivity. He was the product manager in charge of developing a Cloud Code Plugin for Dataflow that reduced the learning curve and ramp-up time for building dataflow streaming pipelines. This product offered several key features to enhance the developer experience, mostly accelerating the development cycle and mitigating errors more efficiently. By streamlining the creation and execution of data pipelines, organizations can accelerate the process of ingesting, transforming, and preparing data for ML tasks like feature engineering, model training, etc. Cloud Code Plugin for Dataflow Cloud Code Plugin for Dataflow Whether cleaning messy datasets, extracting relevant features, or aggregating information from multiple sources, simplified dataflow development tools empower data scientists and data engineers to focus on what they do best: analyzing data and building models. Strategic Cloud Capacity Planning: Optimizing Resources for ML Workloads Strategic Cloud Capacity Planning: Optimizing Resources for ML Workloads In tandem with streamlined development processes, strategic cloud capacity planning plays a pivotal role in expediting ML model readiness. “Cloud capacity management is a key part of an effective IT strategy,” Abhijeet has said. “Cloud capacity planning not only ensures workloads have the required resources but also reduces the cloud bill due to overprovisioned workloads.” By evaluating capacity requirements, reviewing historical usage patterns, and strategizing capacity planning based on business needs, organizations can optimize resource allocation for ML workloads. This approach not only enhances performance but also reduces costs by ensuring optimal resource utilization. strategic cloud capacity planning strategic cloud capacity planning Accelerating ML Model Readiness with Integrated Solutions Accelerating ML Model Readiness with Integrated Solutions The convergence of dataflow development simplification, cloud code plugin integrations, and strategic cloud capacity planning offers a comprehensive solution for expediting ML model readiness. As organizations embrace these integrated solutions, they can navigate the complexities of ML model development with greater efficiency and agility. With tools and strategies designed to streamline development processes and optimize resource utilization, the journey from concept to deployment becomes a seamless and accelerated endeavor. The Industry is Changing—You Can Change With It The Industry is Changing—You Can Change With It “Reinvention is the fuel of resilience,” says Abhijeet. “But the ability to reinvent yourself ensures you’re not left stranded. You can adapt, learn new skills, and emerge stronger and more adaptable.” Is your company ready for the AI revolution? Many enterprises are on the brink of transformation, but without the right data and infrastructure strategy, they risk being left behind. This is where Abhijeet Rajwade can help. As a seasoned expert in designing solutions to transform data and leverage cloud infrastructure for AI workloads, he’s ready to design solutions that transform data and leverage cloud infrastructure to its greatest potential. The future is here, so it’s time to make sure your plans are ready for it.

Expediting ML Model Readiness: Industry Expert Abhijeet Rajwade’s Insights

এমএল মডেল প্রস্তুতি ত্বরান্বিত করা: শিল্প বিশেষজ্ঞ অভিজিৎ রাজওয়াদের অন্তর্দৃষ্টি

Beschleunigung der ML-Modellbereitschaft: Einblicke des Branchenexperten Abhijeet Rajwade

Acelerar la preparación del modelo de aprendizaje automático: opiniones del experto de la industria Abhijeet Rajwade

Accélération de la préparation au modèle ML : les idées de l'expert du secteur Abhijeet Rajwade

एमएल मॉडल की तैयारी में तेजी लाना: उद्योग विशेषज्ञ अभिजीत राजवाड़े की अंतर्दृष्टि

ML モデルの準備の迅速化: 業界の専門家 Abhijeet Rajwade の洞察

ML 모델 준비 가속화: 업계 전문가 Abhijeet Rajwade의 통찰력

Agilizando a preparação do modelo de ML: insights do especialista do setor Abhijeet Rajwade

Ускорение готовности моделей машинного обучения: мнение отраслевого эксперта Абхиджита Раджваде

ML Modelinin Hazır Olmasını Hızlandırma: Endüstri Uzmanı Abhijeet Rajwade'in İçgörüleri

Đẩy nhanh quá trình sẵn sàng cho mô hình ML: Thông tin chi tiết của chuyên gia trong ngành Abhijeet Rajwade

加速 ML 模型准备：行业专家 Abhijeet Rajwade 的见解

I’m so excited to catch up with Abhishek Singh, Co-founder and CEO of , a holistic infrastructure layer for DeFi. He is on an ambitious mission to enable seamless deployment of DeFi products and services, and make them more accessible to the masses. Comdex is also aiming to democratize global financing by powering a multichain future for DeFi. Comdex So today, I’ll be probing Abhishek’s thoughts on the recent crypto crash, features of a robust DeFi infrastructure layer, and more. We will also delve into the integration of blockchain tech and its underlying infrastructure. Moreover, I’ll be picking his brains on how he perceives the blockchain and DeFi market will evolve in the future. Q1. To start, I would love to get your thoughts on the broader crypto market. We have seen the cryptocurrency market cap reduced significantly since the beginning of 2022. What do you think of this downturn? Oh yeah, the blood in the market is unbelievable. Billions of dollars were wiped out within a couple of days. But while the calamity was real, we need to understand one fact — the reasons for this are multifold. First off, the regulatory landscape for crypto has been ridiculed with negative sentiments and a lack of clarity. Hence, all naive and unsure retail traders are pulling their money out of the market, draining what is often called timid money. Similarly, the narrative of a ‘crypto winter’ setting has further pushed small players away from the market. Another catalyst that has struck the crypto market is the macroeconomics situation. The spike in inflation, labor shortage, and rising interest rates have adversely impacted the crypto market. People believe that their money is better off in their hands during these uncertain times. But that’s somewhat ironic because DeFi is ultimately about self-custody and ownership. Anyway, that’s another story. So, amidst all these, I’m looking up to smart and big money, i.e. institutional investment flowing into the crypto market. They are the ones that will bring stability and provide opportunities to the dynamic innovation prevailing. This inflow of big money makes me genuinely hopeful of this blood being a temporary dip. Q2. How is the integration of blockchain and DeFi helping Comdex solve the issues of conventional trade finance? Brilliant question! There’s lots of friction concerning the traditional financial markets. We can start with bringing the elements of transparency and provenance into the movement of assets and money. Blockchain enables us to achieve seamless peer-to-peer financial transactions, across the globe, at a minimal cost and in quick time. Similarly, the conventional markets neglect the involvement of small players. Only individuals or firms with huge credit lines and other resources are able to participate in legacy trade financing. But with DeFi and crypto democratizing the financial markets, more inclusivity can be achieved with investment vehicles designed for small players specifically. Another critical issue being solved using blockchain is the tedious documentation. The current banking, insurance, and similar markets are document-intensive and depend heavily on paperwork. But by integrating tech, transactions can be settled with minimal paperwork and seamlessly. At Comdex, we are working on tokenization of real-world assets as on-chain NFTs to enable global trade to take place with minimal friction. Q3. Please delve into the reasons why Comdex was built on the Cosmos SDK? Also, how can the Cosmos ecosystem benefit from Comdex? Yeah, we are extremely proud to be one of the early adopters of Cosmos. Application-specific blockchains are a great way to provide creative and infrastructural freedom to innovators. They have disrupted the status quo by removing the one-size-fits-all approach. That is a huge breakthrough of flexibility for building blockchain-enabled solutions. Also, we chose Cosmos for the degree of sovereignty it provides us. Rather than depending on the underlying blockchain itself, solutions on Cosmos can use our multiple modules to wield supreme operational control. The vision of interoperability is evident in the Cosmos ecosystem, which further aligns with our overarching goal of inclusivity. Achieving transparency in global trade finance ultimately means thousands of data points being fed into our platform to be processed in real-time. For this, the Band Protocol on Cosmos provides us with much-needed off-chain data processing capabilities, that too with optimal integrity and privacy. For one, these help our NFTs of real-world assets and transactions to be identifiable and trackable. Now, for the second part of your question, dApp builders and creators can easily build their dApps using our plug-and-play modules. Since these are customizable, Cosmos developers can build everything from peer-to-peer marketplace to lending protocols. Also, Cosmos, as a whole, is IBC-enabled which promotes interoperability. So, dApps and other DeFi services built on Cosmos shall be open to a broader market which translates into deeper financial liquidity and more accessible assets. Q4. What features do you believe are a must-have for a robust DeFi infrastructure layer? Great question. And I genuinely see this answer turning into a wishlist for us at Comdex to deliver. But, yes, for a DeFi infrastructure layer, a basic AMM-enabled DEX is a must and it needs to be reliable, secure, and user friendly. This is a non-negotiable requirement as it facilitates the movement of funds in the ecosystem while also providing rich liquidity for users. AMMs are a must as they bring liquidity provision to the equation which turns into a financial service of its own. Moving on, I believe that interoperability or multichain communication needs to be blended into the infrastructure itself. Now, affordable cross-chain swaps and bridges are also a priority for any DeFi layer. For example, in the case of IBC-enabled Cosmos, developers focus on the product and service itself, rather than their compatibility with other blockchain networks. Apart from these, having a native stablecoin is essential for any DeFi layer. It needs to be the native currency of that ecosystem while also being IBC-enabled for cross-chain transactions. Also, a solid protocol for tokenization of real-world assets and one for lending are sort of must-haves. Also, a secure native crypto wallet with TradFi integration is growing into a fundamental need. These are certain features that, I believe, are basic prerequisites for any robust DeFi infrastructure layer.. Q5. Lastly, please share your thoughts on the future of the blockchain and DeFi. Which particular aspects of this market are you keeping an eye on? Thanks to promising innovations, DeFi and other blockchain-powered industries will undoubtedly be the eye-grabbers in the near future. As I mentioned earlier, I’m excited about the steady influx of smart money into these industries. Not only will they fund ideas and solutions, but also encourage retail investors to park their money in DeFi. And this will create a positive feedback loop enabling decentralized financial markets to mature sooner than later. Personally, I am sincerely interested in building an interoperable future. Being a part of the Cosmos ecosystem, we are hands-on in this journey at Comdex. Plus, there are so many more solutions being built to bridge and connect different blockchains. The era of siloed blockchains will cease to exist in the near future. So, the emergence of seamless on/off ramps is something that excites me immensely. I think they will play an integral role in bridging users from TradFi to DeFi. As we are building an interconnected future with different blockchains, we should also be focussing on the coexistence of DeFi and TradFi services together. That’s critical for sustainable growth in my opinion; that’s where the future lies.

When DeFi Meets TradeFi: Comdex Co-founder, Abhishek Singh, Discusses Commodities In Crypto

Abhinov Balagoni is the CEO and founder of PaxCredit, a business that creates global financial products for international students all around the world. In this AMA, Abhinov shares his insights on student loans, steps toward financial stability for recently graduated, the birth and growth of his company, and university applications. This Slogging thread by Mónica Freitas, Abhinov, Sara Pinto, Jack Boreham, Salome Muriel, Verushka Buonaffina, Limarc Ambalina, Daniel Guzman, Valentina Zabala and Alex occurred in slogging's official #amas channel, and has been edited for readability. Mónica Freitas Dec 15, 2021, 3:00 PM In today's AMA, we're joined by Abhinov, CEO and founder of , a business that moves money across borders as seamlessly as moving money within borders. “Credit systems should be built around the customer’s life and not the other way around.” - Balagoni states. PaxCredit creates global financial products for international students all around the world. Please feel free to ask him anything on: https://www.paxcredit.com/ University applications as an international student (Statement of Purpose, Essays, Reference letters, GRE/GMAT preparation related) How to navigate job search as an international student Personal finance planning for newly graduated students (savings, investments, spending) Financial Technology industry trends (open banking, embedded finance, blockchain/cryptocurrency) Building Pax Credit (Getting started, Global financial product development, Techstars funding) Mónica Freitas Dec 15, 2021, 3:02 PM Hi Abhinov! Thank you for joining us! I hoped we could start with your experience with student loans and the financial environment. What made you want to get involved in this in the first place? Abhinov Dec 15, 2021, 3:06 PM Back in 2015, while I was moving from India to Singapore for my education, I had to explore financing and international payments options. I realized that the cross-border financial products available for international students were not optimal in terms of pricing, and experience. Specifically, I noticed that FX rates and markup across banks vary significantly and that there could be an additional cost of about $1000 on university program fees. This personal experience shaped the thesis for Pax Credit to build a seamless, transparent and cost-effective financial app for international students. Sara Pinto Dec 15, 2021, 3:09 PM Hey Abhinov, glad to have you here! What tips do you have for international students concerning their personal finance? Mónica Freitas Dec 15, 2021, 3:12 PM Abhinov, that was always a common issue that international students have found. And it used to be incredibly hard to find a suitable solution that didn't leave us in debt. So, you encountered this problem in your own journey as a student. What was the process that made you start your own company? How hard was it to get started? Abhinov Dec 15, 2021, 3:13 PM Sara Pinto, as an international student, most of the time you are on a budget. A few personal finance tips I think would help international students are: 1. Opt for virtual mobile network operators as they are competitively priced compared to traditional mobile networks with similar coverage 2. Get a monthly pass of the local subway to reduce commute costs 3. Use the school email address to sign up for digital services such as Spotify, Amazon Prime, etc. 4. Sign up with a digital banking service such as Pax Credit :) to save on account fees and to get better interest rates 🔥 3 Abhinov Dec 15, 2021, 3:23 PM Mónica Freitas, I was exploring an entrepreneurial career while I was doing my master's. So, when I came across this problem, I was excited about starting up. However, I realized that I had difficulty navigating the regulatory environment, lacked credibility to partner with major financial institutions and financial resources to build a great product experience. So, I reached out to multiple companies already offering international money service and secured a partnership with a digital payments company to get started. We piggybacked on their tech platform, financial institutional partners to get our MVP product to the market. Mónica Freitas Dec 15, 2021, 3:33 PM Abhinov, great tips! Do you still maintain your partnerships nowadays? Have you been able to conquer PaxCredit space on the financial map? Abhinov Dec 15, 2021, 3:37 PM We are now building our own global payment network with different partners across markets. I believe that getting into Techstars, put Pax Credit on the map, Mónica Freitas. Mónica Freitas Dec 15, 2021, 3:37 PM Abhinov, I'd love to have your insights on financial planning. Last year, I've graduated my master's, and having spent six months abroad, I ended up using a lot of my savings. How should I start planning my savings, knowing that I want to have a financial cushion for old age but still have enough to pay the bills at the end of the month and maybe a little on the side to enjoy life? Sara Pinto Dec 15, 2021, 3:41 PM Thank you, Abhinov! I'm a student myself, and I think it's safe to say that we don't pay much attention to bureaucracies. How is the process to get started with Pax Credit? 🔥 1 Abhinov Dec 15, 2021, 3:45 PM Mónica Freitas, ah, right! The never-ending dilemma for recent graduates. The initial step is to identify the portion of your monthly income that you want to set aside for savings/investments. Maybe 10% or 20%, depending on your stage of life. Post that, set up a savings account that would cover your living expenses for 6-9 months. Next, an easier way to get started is to invest in ETFs or Index funds. Once you have gained confidence in your decision-making skills, pick stocks of the companies that make your favorite products. Allocating a portion of your savings to blue-chip crypto projects such as BTC and ETH is a good investment opportunity today. high-interest 💛 1 Mónica Freitas Dec 15, 2021, 3:52 PM Abhinov, can you tell us to which countries you're expanding? Have you considered partnering with universities? A few university colleagues studied abroad, and they'd usually open an account and go for banking options recommended by their university. Jack Boreham Dec 15, 2021, 3:54 PM Abhinov, great to have you with us! What do you think about crypto? How will you embed blockchain and crypto into your platform? It won't be central banked controlled, so how does that work? Do you charge any fees for money transfers? Companies like Pay Pal charge a fair bit? 💡 1 Abhinov Dec 15, 2021, 3:56 PM Sara Pinto, we have a simple process for our users to get started. Currently, we have a web app, and you can register with your email, verify your identity and send money abroad — all within 90 seconds. 💚 1 Mónica Freitas Dec 15, 2021, 3:56 PM Abhinov, I'm taking notes! Most of us don't even know where to start. Investing in crypto and stocks always seemed exciting but still a foreign concept. We're afraid to lose the money we can't see or touch. So what's your best advice for investing? Where should we get our data to know if we're making smart decisions? 🎯 1 Abhinov Dec 15, 2021, 3:59 PM Mónica Freitas, our new web app will go live for users in the US and Canada this month. They would be able to send money abroad to about 30+ countries. Regarding university partnerships, we are currently working on that front. Yes, students will be able to set up a bank account pre-arrival with Pax Credit next year. https://slogging.slack.com/archives/C01D94MM0VB/p1639583533299400?thread_ts=1639580406.296400&cid=C01D94MM0VB Abhinov Dec 15, 2021, 4:07 PM Jack Boreham, I believe stable coin projects bridge the traditional finance and digital finance worlds. We are exploring a few stable coin projects for our cross-border payments use case, but would extend that to our upcoming savings account and lending products next year. Regarding pricing, we have a small markup on the FX rate, but no transfer fee for bank account transfers beyond a certain limit. We want to incentivize our users to transfer large amounts. Abhinov Dec 15, 2021, 4:20 PM Mónica Freitas, joining a few online communities, say 'personal finance' Subreddit on Reddit or following a few credible accounts on Twitter could be a great starting point for financial planning. As you spend time reading the posts, you will get exposure to different thinking processes and, gradually, you can identify the parts that you are comfortable with and build upon that. For purchasing Crypto and stocks, most of the digital platforms are good places to start. 🔥 1 Salome Muriel Dec 15, 2021, 5:36 PM Hi Abhinov! I am going to study in Canada starting next year. Knowing that Toronto is a really expensive city to live in, what tips would you give me on how to save money while studying abroad? Abhinov Dec 15, 2021, 6:01 PM Salome Muriel, in addition to the ones listed below, I would suggest looking up local deal websites such as Groupon for casual hangouts, to manage your budget. As an international student, most of the time you are on a budget.A few personal finance tips I think would help international students are: 1. Opt for virtual mobile network operators as they are competitively priced compared to traditional mobile networks with similar coverage 2. Get a monthly pass of the local subway to reduce commute costs 3. Use school email address to sign up for digital services such as Spotify, Amazon Prime etc. 4. Sign up with a digital banking service such as Pax Credit :) to save on account fees and to get better interest rates Verushka Buonaffina Dec 15, 2021, 10:08 PM Hey Abhinov, this is great information you are sharing. Who are the most indicated people to put on a reference list? my niece is applying for a scholarship at a university in Boston Limarc Ambalina Dec 16, 2021, 5:25 AM Hi Abhinov, thanks a lot for joining us! Limarc Ambalina Dec 16, 2021, 5:26 AM What do you think about the current state of post-secondary education? Many people feel it is overpriced, undervalued these days, and not very useful in terms of learning practical skills you’ll use in business. Do you think the university system is “broken”? 🎯 1 Abhinov Dec 16, 2021, 5:29 AM Verushka Buonaffina, often, people list the most credible person they can get a reference from. However, a great recommendation from a referee with a strong working relationship is a much better indicator for the scholarship committee. Abhinov Dec 16, 2021, 5:42 AM Limarc Ambalina, I'm of the opinion that the university system works but works only for a few universities. Barring a few licensed professions, for the vast majority of programs, I believe the primary role of universities is to assign credibility in the job market and to give you a strong peer network. This holds true only in the case of a few good universities. Daniel Guzman Dec 16, 2021, 1:12 PM Hey Abhinov, do you have any recommendations about how to get a job abroad? Any tips, or suggestions about it? Abhinov Dec 16, 2021, 6:04 PM Daniel Guzman, you would require visa sponsorship and that could limit the jobs you could apply for. But, with a targeted approach, you could broaden your job search. For instance, if you are interested in technology companies and startups, then you could try to target job websites such as AngelList with a visa sponsorship as well as remote filters. Similarly, you could try searching on LinkedIn for job openings. Additionally, reach out to relevant team members of target companies on LinkedIn/Twitter and see if their team is hiring. Often, the new roles created will be filled within their network even before they are listed on job portals. An effective tip to stand out from the crowd is to reach to the hiring team member via email/LinkedIn/Twitter post submitting your job application. Good luck! Valentina Zabala Dec 16, 2021, 6:49 PM Hi Abhinov, I just graduated from college and I have some savings that I would like to invest. What could I consider as a good investment opportunity? Alex Dec 16, 2021, 6:54 PM Hi Abhinov, I am going to study abroad and I am a little worried about my parents' economy, how can I help them so that their expenses on my study are lower? Abhinov Dec 16, 2021, 8:09 PM Valentina Zabala, I'm assuming that you are just getting started with investing. So, would suggest ETFs tracking the NASDAQ 100 Index and S&P 500 Index. As you gain more understanding of the financial markets, you can start investing directly in company stocks. Additional notes on financial planning here Joining a few online communities, say 'personal finance' Subreddit on Reddit or following a few credible accounts on Twitter could be a great starting point for financial planning. As you spend time reading the posts, you will get exposure to different thinking processes and, gradually, you can identify the parts that you are comfortable with and build upon that. For purchasing Crypto and stocks, most of the digital platforms are good places to start. Mónica Freitas Dec 16, 2021, 8:13 PM Abhinov, that's awesome! What would you say is the main challenge when it comes to making PaxCredit known to the general public? Abhinov Dec 16, 2021, 8:15 PM Alex, in the major education destination countries such as the US, UK, Australia, and Canada, as an international student you can get teaching/research assistant roles. Even for your education, there are multiple loan providers with no collateral requirement. Effectively, you can take a bet on yourself and build your career without having to burden your parents financially. Abhinov Dec 16, 2021, 8:24 PM Mónica Freitas, in general, personal finance understanding is low and that is lower in the case of the younger population, the target audience of Pax Credit. So, only a small portion of our users actively look for financial products to support their education expenses. However, we noticed that international payment solutions are something our target users search for extensively and that is a regularly used product. Another interesting observation is that our target users are part of close-knit groups and the products that delight them tend to be widely shared among those groups. Our goal is to reach those initial sets of users and champion them to spread the word about Pax Credit in their respective communities. Mónica Freitas Dec 16, 2021, 8:46 PM Abhinov, that's a great strategy! I think when it comes to finances we tend to be more careful about which company we trust. When we find a good one, we'll share it with everyone. Mónica Freitas Dec 16, 2021, 8:47 PM Abhinov, what's something you've learned throughout your student and entrepreneur experiences that you wish you'd known sooner? Abhinov Dec 17, 2021, 11:06 AM Mónica Freitas, as a student, I realized that your peer group affects the college experience most. As an entrepreneur, it is the same peer group that affects your quality of work. However, an additional layer of gaining trust comes into play at work that I took for granted as a student. 🔥 1 Mónica Freitas Dec 17, 2021, 3:04 PM Great advice! Abhinov That's a wrap on this AMA. Any closing thoughts, anything you want to promote? Thank you for joining us! It was an absolute pleasure to have you!! Abhinov Dec 17, 2021, 3:10 PM This was a fun experience. Enjoyed the AMA session. Do follow Pax Credit on Instagram for interesting personal finance tips and memes :) 🔥 1

Organizing Student Finances With Abhinov Balagoni 

HackerNoon Reporter: Please tell us briefly about your background. I have been a computer geek since my school days. Being an engineer, I ventured into technology entrepreneurship during my undergrad as it seemed like a cool thing to do. Since then, I have worked on a variety of problems, in each case helping take a step towards the desired solution. Currently, I’m building a solution aimed at international students to ease their financial needs. What's your startup called? And in a sentence or two, what does it do? Our startup is called . Pax Credit provides cross-border financial services for international students. Currently, we help international students pay university tuition fees in local currencies and save them about $1000 when compared to local banks. Pax Credit What is the origin story? Back in 2015, when I was moving from India to Singapore for my education, for the first time, I had to transfer money out of the country to pay tuition fees. During this process, I discovered that by opting for a service from a different bank, I could save as much as $800. This experience helped me realize that financial services aimed at international students are not optimal in process, pricing and access. That is how Pax Credit got started. What do you love about your team, and why are you the ones to solve this problem? Our founding team has known each other for years, and it is fun to work with people who have shared interests in a trusted environment. Our founding team has a complementary skill set of full-stack engineering and business development, both of which are required at an early stage. We built a deep understanding of the problem by interacting with thousands of international students ourselves. If you weren’t building your startup, what would you be doing? I find the crypto/blockchain space to be fascinating, and I would have been working in this space if not for Pax Credit. At the moment, how do you measure success? What are your core metrics? For us, transaction volume and average revenue per user are the core metrics. We currently measure success through monetary and time savings for our users when compared to local banks for a given transaction. What’s most exciting about your traction to date? Our traction is completely organic without having to spend even a $1 on customer acquisition and, despite our current product experience having much room for improvement. What technologies are you currently most excited about, and most worried about? And why? Cryptocurrency and blockchain are the technologies I'm most excited about. Incorporating them into traditional financial services will change the business models. I'm worried about the widening digital literacy gap in the workforce. This could limit their economic opportunities as we are moving towards a full-fledged technology-integrated world. What drew you to get published on HackerNoon? What do you like most about our platform? Hacker Noon is one of the few publications that help you discover and learn new technology trends at length. Glad to see our work published on Hacker Noon. What advice would you give to the 21-year-old version of yourself? Being naive is a feature and not a bug. Focus and level up your strengths but be aware of your limitations and get help. What is something surprising you've learned this year that your contemporaries would benefit from knowing? There are no rules of thumb for building a successful business. It is better to make an informed and independent decision with the available information in a given context. Vote for Pax Credit on the City Award page to extend your support. Startup of the Year

‘Being Naive Is a Feature, Not a Bug’: Abhinov Balagoni, CEO Pax Credit

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Research, Education - October 9, 2024 - HackerNoon, the independent technology publishing platform, is pleased to announce the nominees for its annual “Startups of The Year” award, featuring the most promising and innovative companies in the Research startup ecosystem. The list, compiled by the HackerNoon team, showcases 30 startups making significant contributions and driving innovation in the Research industry. https://youtu.be/XOpG6B4AKPU?embedable=true Nominations are open - learn more here. You can nominate your company as the Startup of The Year in the Research industry here. The Startups in the Research industry nominated for Startups of The Year 2024 include: Abhilekh Verma Consultancy (OPC) Private Limited
C-Innovation
Iniciativa Startup Experience
GUTolution
BioLinker
DUrain Inc. (Techstars ‘23)
Lipongroup
Youth of Canada
Zeal Educators
Canadian Defence and Security Network - Réseau Canadien Sur La Défense et la Sécurité (CDSN-RCDS)
Wimzee
Lumena MindGym
IITM Pravartak Technologies Foundation
IMENSUS UG
AGPHARM BIOINNOVATIONS LLP
Unique Schooling
MSU Denver Computer Sciences Department
Drip Invest
Forte Biotech - RAPID Aquaculture Diagnostics
Symmetry Wood
Growthyfai
Amodera Lab
Namalab
Melbourne BioInnovation Student Initiative (MBSI)
SURAAH
Alithea Bio
Oncquvia
TechBairn
Mobdie
Advanced Rocket Technologies “We are thrilled to recognize the top startups in the Research industry
and celebrate their achievements,” said David Smooke, HackerNoon Founder & CEO. “Starting and sustaining a company is difficult. We’re honored to showcase their work and impact.” Why It Pays Off to Be Nominated Startups of The Year 2024 is a 100% community-driven voting event recognizing startups transforming technology and the world for the better. Starting October 1st, 2024, the internet can nominate and vote for the best ventures in their city and industry. People can nominate their favorite startups until October 31st, and vote once per day per award for who they think should be Startup of The Year up to March 31st, 2025. Winners will be announced in April 2025, after a comprehensive evaluation by the HackerNoon team. Apart from validation from the world's greenest tech publication, all nominees get free interviews relevant to their region and industry. They will also receive curated startup-friendly packages and a free version of their very own Evergreen Tech Company News Page on HackerNoon. In sum, being nominated gives you major credibility as one of the top startups globally and an expert in your industry, meaning even without winning, you still gain tons of exposure. Nominations are open - learn more here. You can nominate your company as the Startup of The Year in the Research industry here. About HackerNoon’s Startups of The Year Startups of The Year 2024 is HackerNoon’s flagship community-driven event celebrating startups, technology, and the spirit of innovation. Currently in its third iteration, the prestigious Internet award recognizes and celebrates tech startups of all shapes and sizes. This year, over 150,000 entities across 4200+ cities, 6 continents, and 100+ industries will participate in a bid to be crowned the best startup of the year! Millions of votes have been cast over the past few years, and many stories have been written about these daring and rising startups. The winners will get a free interview on HackerNoon and an Evergreen Tech Company News page. Visit our FAQ page to learn more. Download our design assets here. Check out the Startups of The Year Merch Shop here. HackerNoon’s Startups of The Year is a branding opportunity unlike any other. Whether your goal is brand awareness or lead generation, HackerNoon has curated startup-friendly packages to solve your marketing challenges. Meet our sponsors: Wellfound: Join the #1 global, startup-focused community. At Wellfound, we're not just a job board—we're the place where top startup talent and the world's most exciting companies connect to build the future. Notion: Notion is trusted and loved by thousands of startups as their connected workspace—from building product roadmaps to tracking fundraising. Try Notion with unlimited AI, FREE for up to 6 months, to build and scale your company with one powerful tool. Get your offer now! Hubspot: If you’re looking for a smart CRM platform that meets the needs of small businesses, look no further than HubSpot. Seamlessly connect your data, teams and customers in one easy-to-use scalable platform that grows with your business. Get started for free. Bright Data: Startups that leverage public web data can make faster, data-driven decisions, giving them a competitive edge. With Bright Data’s scalable web data collection, businesses can grow from a small operation to an enterprise by harnessing insights at every stage. Algolia: Algolia NeuralSearch is the world's only AI end-to-end Search and Discovery Platform combining powerful keyword and natural language processing in a single API. Research, Education - October 9, 2024 - HackerNoon, the independent technology publishing platform, is pleased to announce the nominees for its annual “Startups of The Year” award, featuring the most promising and innovative companies in the Research startup ecosystem. Research, Education - October 9, 2024 - HackerNoon, the independent technology publishing platform, is pleased to announce the nominees for its annual “Startups of The Year” award, featuring the most promising and innovative companies in the Research startup ecosystem. Research, Education - October 9, 2024 - October 9, 2024 - HackerNoon, the independent technology publishing platform, is pleased to announce the nominees for its annual “ Startups of The Year ” award, featuring the most promising and innovative companies in the Startups of The Year startup ecosystem. The list, compiled by the HackerNoon team, showcases 30 startups making significant contributions and driving innovation in the Research industry. https://youtu.be/XOpG6B4AKPU?embedable=true https://youtu.be/XOpG6B4AKPU?embedable=true Nominations are open - learn more here. You can nominate your company as the Startup of The Year in the Research industry here. Nominations are open - learn more here . You can nominate your company as the Startup of The Year in the Research industry here . here Startup of The Year in the Research industry here Startup of The Year in the Research industry here The Startups in the Research industry nominated for Startups of The Year 2024 include: Startups in Startups in Startups in the Research industry the Research industry nominated Abhilekh Verma Consultancy (OPC) Private Limited C-Innovation Iniciativa Startup Experience GUTolution BioLinker DUrain Inc. (Techstars ‘23) Lipongroup Youth of Canada Zeal Educators Canadian Defence and Security Network - Réseau Canadien Sur La Défense et la Sécurité (CDSN-RCDS) Wimzee Lumena MindGym IITM Pravartak Technologies Foundation IMENSUS UG AGPHARM BIOINNOVATIONS LLP Unique Schooling MSU Denver Computer Sciences Department Drip Invest Forte Biotech - RAPID Aquaculture Diagnostics Symmetry Wood Growthyfai Amodera Lab Namalab Melbourne BioInnovation Student Initiative (MBSI) SURAAH Alithea Bio Oncquvia TechBairn Mobdie Advanced Rocket Technologies Abhilekh Verma Consultancy (OPC) Private Limited C-Innovation Iniciativa Startup Experience GUTolution BioLinker DUrain Inc. (Techstars ‘23) Lipongroup Youth of Canada Zeal Educators Canadian Defence and Security Network - Réseau Canadien Sur La Défense et la Sécurité (CDSN-RCDS) Wimzee Lumena MindGym IITM Pravartak Technologies Foundation IMENSUS UG AGPHARM BIOINNOVATIONS LLP Unique Schooling MSU Denver Computer Sciences Department Drip Invest Forte Biotech - RAPID Aquaculture Diagnostics Symmetry Wood Growthyfai Amodera Lab Namalab Melbourne BioInnovation Student Initiative (MBSI) SURAAH Alithea Bio Oncquvia TechBairn Mobdie Advanced Rocket Technologies “We are thrilled to recognize the top startups in the Research industry and celebrate their achievements,” said David Smooke, HackerNoon Founder & CEO. “Starting and sustaining a company is difficult. We’re honored to showcase their work and impact.” “We are thrilled to recognize the top startups in the Research industry “We are thrilled to recognize the top startups in and celebrate their achievements,” said David Smooke, HackerNoon Founder & CEO. “Starting and sustaining a company is difficult. We’re honored to showcase their work and impact.” and celebrate their achievements,” said David Smooke, HackerNoon Founder & CEO . “Starting and sustaining a company is difficult. We’re honored to showcase their work and impact.” David Smooke, HackerNoon Founder & CEO Why It Pays Off to Be Nominated Startups of The Year 2024 is a 100% community-driven voting event recognizing startups transforming technology and the world for the better. Starting October 1st, 2024, the internet can nominate and vote for the best ventures in their city and industry. People can nominate their favorite startups until October 31st , and vote once per day per award for who they think should be Startup of The Year up to March 31st, 2025. Winners will be announced in April 2025, after a comprehensive evaluation by the HackerNoon team. Startups of The Year 2024 nominate their favorite startups until October 31st nominate their favorite startups Apart from validation from the world's greenest tech publication, all nominees get free interviews relevant to their region and industry. They will also receive curated startup-friendly packages and a free version of their very own Evergreen Tech Company News Page on HackerNoon. get free interviews startup-friendly packages startup-friendly packages Evergreen Tech Company News Evergreen Tech Company News In sum, being nominated gives you major credibility as one of the top startups globally and an expert in your industry, meaning even without winning, you still gain tons of exposure. Nominations are open - learn more here. You can nominate your company as the Startup of The Year in the Research industry here. Nominations are open - learn more here . You can nominate your company as the Startup of The Year in the Research industry here . here Startup of The Year in the Research industry here Startup of The Year in the Research industry here About HackerNoon’s Startups of The Year Startups of The Year 2024 is HackerNoon’s flagship community-driven event celebrating startups, technology, and the spirit of innovation. Currently in its third iteration, the prestigious Internet award recognizes and celebrates tech startups of all shapes and sizes. This year, over 150,000 entities across 4200+ cities, 6 continents, and 100+ industries will participate in a bid to be crowned the best startup of the year! Millions of votes have been cast over the past few years, and many stories have been written about these daring and rising startups. Startups of The Year 2024 Startups of The Year 2024 many stories many stories The winners will get a free interview on HackerNoon and an Evergreen Tech Company News page. free interview on HackerNoon Evergreen Tech Company News Evergreen Tech Company News Visit our FAQ page to learn more. FAQ FAQ Download our design assets here . here here Check out the Startups of The Year Merch Shop here . here here HackerNoon’s Startups of The Year is a branding opportunity unlike any other. Whether your goal is brand awareness or lead generation, HackerNoon has curated startup-friendly packages to solve your marketing challenges. startup-friendly packages startup-friendly packages Meet our sponsors: Meet our sponsors: Meet our sponsors: Wellfound: Join the #1 global, startup-focused community . At Wellfound, we're not just a job board—we're the place where top startup talent and the world's most exciting companies connect to build the future. Wellfound: Join the #1 global, startup-focused community Join the #1 global, startup-focused community Notion: Notion is trusted and loved by thousands of startups as their connected workspace—from building product roadmaps to tracking fundraising. Try Notion with unlimited AI, FREE for up to 6 months , to build and scale your company with one powerful tool. Get your offer now ! Notion: Try Notion with unlimited AI, FREE for up to 6 months Get your offer now ! Hubspot: If you’re looking for a smart CRM platform that meets the needs of small businesses, look no further than HubSpot. Seamlessly connect your data, teams and customers in one easy-to-use scalable platform that grows with your business. Get started for free . Hubspot: Get started for free Get started for free Bright Data: Startups that leverage public web data can make faster, data-driven decisions, giving them a competitive edge. With Bright Data’s scalable web data collection , businesses can grow from a small operation to an enterprise by harnessing insights at every stage. Bright Data: Bright Data’s scalable web data collection Bright Data’s scalable web data collection Algolia: Algolia NeuralSearch is the world's only AI end-to-end Search and Discovery Platform combining powerful keyword and natural language processing in a single API. Algolia: AI end-to-end Search and Discovery Platform AI end-to-end Search and Discovery Platform

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