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Let's learn about via these 69 free stories. They are ordered by most time reading created on HackerNoon. Visit the to find the most read stories about any technology. Productivity Tools /Learn Repo It's called "Slack" for a reason. 1. Top 10 Productivity Apps to Make 2020 Your Most Productive Year Yet Welcome to Part 2 of the Tech Productivity Series 2. How Task Management Software Helps Achieve Productivity in a Post-Pandemic World Before the pandemic, roughly 30% of the part-time workforce was working remotely. It is estimated this will expand to at least 48% post-pandemic. Until the pandemic is over, it’s unclear exactly how much of the full-time workforce that can work remotely will continue to do so. 3. 5 Best Online Tools to Compress and Optimize Your Images Here are the 5 Best Online Tools to Compress and Optimize Your Images. 4. On Productivity Tools And Time Management With Julien Quintard, Founder Of Routine An interview with Julien Quintard on why he is building Routine and why productivity tools as we know it is going to change drastically in the a few quarters. 5. Maybe, Just Maybe, Writing Your Passwords On Paper Isn't So Bad? This is not a joke. Stationery stores and selling pocket notebooks with the word "PASSWORDS" written across the front. Inside are pages, with alphabetized tabs and spaces for you to record the website name, the username (login), and your password. Plus a space for notes. 6. The Placeholder Tools that Boost Productivity for Developers and Designers 7. Boost Your Productivity as a Developer With These 10 Tools Productivity is one of the important metrics for developers. Stay organized with this list of the essential tools for a developer to increase your productivity. 8. 10 Best Web Dev Tools of 2021 Top 10 Web Dev Tools in 2021 9. Startup Interview with Henry Shapiro, Co-founder at Reclaim.ai Reclaim is an intelligent calendar assistant that enables you to block adaptive time for anything you care about. Vote for us for HackerNoon's SOTY! 10. How to Merge PDFs Without Adobe Acrobat For a task or assignment, different members are responsible for different parts. So, it's very common that the team must conclude the respective results at last. If their results are in the PDF formats, they must merge the PDFs to reach the final result. There are still many other occasions that we need to merge PDF files. 11. 22 AI Tools You Should Know About List of top trending AI tools 12. How to Stay Focused When Coding: 8 Productivity Tips Your well-being, routines, motivations and how effectively you plan, all play a role in your ability to remain focused while coding. 13. apibeats: Get Notified on Slack When The API Changes apibeats is an API maintenance platform that lets backend and frontend developers collaborate, and notifies teams on Slack & Email when the API changes in any way. apibeats provides a complete environment for you to interact with your APIs. It lets you create collections of endpoints and watch them for uptime/downtime and changes in structure, test your collections by making requests without writing any code and document your API collections. 14. How Time Tracking is Reshaping the Future of Work If you are running a business or just started your own startup, it’s important you keep an eye out on every minute detail. In case you are hiring designers, software developers, and/or a team for project management, tracking total working hours is probably what you should be doing. 15. 15 Apps that Can Make You Productive Here, 15 amazing apps have been listed for increasing our productivity. 16. 15 Best Project Management Tools Project management systems are supposed to make the life of teams easier and the work process faster and more efficient. 17. MakeMySummary Software Update:  June 2020 We recently released an update for MakeMySummary. The following are the highlights of the update. 18. 🏅year in Review: Tools That Helped my Productivity as a Software Engineer As a software engineer, you have to find the perfect mix of tools and templates that can help make you more efficient in your day-to-day tasks. 19. 4 Productivity Hacks That Yield Quick Results Having trouble hitting deadlines and staying focused? Well, have no fear! This article will introduce four productivity hacks that almost anyone can implement immediately and see fast results. 20. Writing a Slack Bot that Responds to Action Commands I recently wrote a slack bot that responds to action commands (like /ech yolo ) but I ran into some trouble finding exactly how to do this, so I’m documenting it here for other peeps to find. The exact error I hit was /echo failed with the error "dispatch_failed" . 21. NPX Introduction: Fast Work With NPM Package Binaries With Node.js, building CLI utilities and development tools have gotten so much easier. 22. Essential Productivity Tips Every Software Developer Should Know Here are the game changing productivity hacks, tools, and tips that have helped me most as a software developer. 23. 17 Killer Web Apps to Increase Productivity 🚀💯 24. 5 Team Communication Tools That Will Skyrocket Your Productivity Teams come in all sizes and these days from all parts of the world. Geography is no longer a limitation with messaging tools that can connect you with anyone in the world. The right communication tools can skyrocket your team’s productivity, as ability to easily share information and ideas with all your stakeholders is key to driving productivity. 25. Windows 11's New Focus Mode Is Pretty Useful The new Focus Mode feature is a useful tool that helps you get more productivity out of Windows 11 in a simple way. Though that simplicity does cut both ways 26. How to Improve Developer Productivity Become more productive as a developer in the next 10 minutes using researched backed tips and hacks. 27. Summarizing Youtube Videos and  News/Blog articles I made a new app/service that lets users summarize the deluge of info that comes our way every day. Its unambiguously named MakeMySummary. 28. Introducing CatalyzeX: A Browser Extension for Machine Learning Andrew Ng likes it, you probably will too! 29. How Nonprofits Can Get Adobe Discounts via TechSoup: FAQs Learn more about Adobe for Nonprofits, including information on eligibility, product licensing, downloading and installing software, and more. 30. How to Hack Your Team: Top 5 Tools For Team Management Automation in 2021 Wondering how to increase your remote team's productivity? These tools will help. 31. Top 10 Productivity Apps For iOS To Take Your Productivity To The Next Level Find the best productivity apps for iPhone or iPad. These best iPhone productivity apps help you get more things done faster and more efficiently than before. 32. Mind Hacking: Using Technology to Rewire Your Brain Like a Monk Not so long ago my life was an exercise in excel spreadsheets, over-scheduled phone calls, and constant emails. I was working in a high-pressure venture capital job, and putting myself in a state of mental fragmentation. 33. 4 Reasons You Shouldn't Use MoSCoW for Product Prioritization I often see MoSCoW being used to prioritise product development work, but for anything mildly complex (almost anything, really), and especially any product  with more than one customer, it isn’t appropriate. Here’s why. 34. How to Install RStudio on the WSL System If you are using Windows and don’t want to use the RStudio client on the Windows side, this method will work perfectly. 35. 6 Chrome Extensions That You’ve Never Heard Of But Should Try Out There are two types of people when it comes to using browser extensions. You have them all or you have them none. The adventure starts with just one install button. Then, you're lost in the extension world.  You’re adding a new one to your browser week by week. But what are the best Google Chrome extensions that you need to have? 36. Top 10 Javascript File Managers File management is a helpful tool in any business application. Here is an overview of the most functional, elegant, and popular JavaScript File Managers ready to be built into the client-server solution. Even if you do not have a direct need to work with files, you can borrow the classic file explorer interface for other tasks. For instance, there are some cases of the classic interface becoming the basis for a new web application in this article. 37. And Then He Said: Let's Fly Like an Eagle! Hi there, I'm Vadim, founder of Wedding Planning Assitant, and this is my three short stories about that. 38. How To Choose A Time Tracking Solution For Your Business: A Step By Step Guide As the impact of the COVID 19 epidemic on the global economy and societies starts to feel like less of a momentary blip on the radar and more of the new normal that we are all going to have to adjust to and get used to, people are getting used to the idea of working from home or remotely in some capacity. One of the technologies that have enabled this to happen and thus proven indispensable to the pandemic economy is time tracking solution. 39. The Fintech CTO's Guide To Remote Team Tools and Reviews Remote culture has never been so in demand before. The pandemic has changed the way we thought the world was likely to evolve in the nearest future. However, changes always go hand in hand with opportunities. 40. How Did Pocket Create a Habit Forming Product? A simple analyses of Pocket app using the infamous Hook Framework 41. 10 Features Where Coda Is Better Than Notion Notion vs. Coda: a look at 10 features in Coda that are better than Notion from the perspective of a Coda employee. This article has been updated for 2022. 42. 5 Productivity Tools Every Solopreneur Needs This pandemic is the perfect time to focus on your side hustle 43. Productivity 101: How to Implement the Pomodoro Productivity Technique If you’re looking to be more productive in your life, you may have heard of the Pomodoro productivity hack or technique. 44. 6 Incredible Productivity Tools for Programmers Productivity is key when it comes to getting work done with a smile. Burndowns are natural, here is how to minimize them and keep hustling. 45. Invoicing Tech Can Boost Brand Appeal Your brand is the essence of your company. It’s what your customers perceive you to be, and it’s how you portray your business to the world. 46. The Art of Mastering Atomic Habits If you want to change your life, you need to start with your habits. Atomic habits are the building blocks that make up our lives. 47. 5 Small Business Technologies You Can’t Afford to Ignore In an ever-changing world, staying up to date with modern business technologies can provide business owners with the leverage they need to be successful. This means being prosperous in their ventures and relevant in the competitive market. In most cases, using the correct types of technology will facilitate greater efficiency and even productivity. 48. Celebrating 10,000+ stars on GitHub repository⭐ ❤️️ Postwoman is celebrating the milestone of reaching 10,000 GitHub stars 🎉 49. 5 Tech Tools to Sharpen Your Creativity Creativity is important today because it helps us innovate and think outside the box. Knowing how to use your creativity can open up a world of opportunities, so it's worthwhile taking the time to sharpen these skills with the right tools. 50. Get Rid Of Your Self-Imposed Restrictions: An App Review of Freedom Want to improve your focus so you can get more done? Stop relying on self-discipline and use the Freedom app instead. 51. Without Digital Adoption, Your Enterprise will Struggle It’s clear to everyone that we’re living in a digital age. In a time when people expect to run their lives through their smartphones, competitive enterprises have no choice but to adopt digital tools. 52. 13 Must-Have Tools for Content Marketing in 2020 Hey there! If you’re looking for the best Content Marketing tool for your Business, stick here! Because I’ve made a list of tools for you that you need for your Content Marketing in 2020. I’ve used a lot of tools for my Content Marketing and shortlisted a few that are a must-have if you are to market your business through social media and Content Marketing. 53. 17 Apps to Boost Developer Productivity To help you build the ultimate workflow, we went looking for the developer productivity tools that are currently trending in coding communities. 54. 5 New AI Tools That Can Help You To Be More Productive How much of your productive time is taken away by all those meaningless news, stories and activities? Especially if you are a high performing executive or professional, how productive would you be if you weren’t distracted? We lose a lot of time on the activities that seem to be crucially important, while they are not. Although social media and numerous web-based communication platforms have definitely made communication a much less bothersome task, it is simply mind boggling to realize just how much of our time is spent on social media. 55. A Critical UX Review of Trello's New Features Trello recently launched new features and a business version. This could only mean one thing. It's time for a design review. 56. The Era of Opinionated Productivity Software: Superhuman, Roam, What’s Next? Productivity software is indispensable for all of us. Dedicated tools for creating spreadsheets, writing down notes, managing our to-dos etc. ensure that we are productive in our professions. Incumbent vendors (e.g. Microsoft, Google) have dominated this space for many years — yet, there is a chance for new players to enter the stage. New challengers such as the E-Mail client Superhuman or the note-taking tool Roam Research can compete by developing highly opinionated products which deliberately omit flexibility. Instead, the software is stringently crafted around a very particular way of approaching a process, which is inherently seen as superior by the firm. 57. How to Use Dora Metrics to Become an Elite Team Tradeoff between speed and quality is a myth. 58. How to Create a Habit Tracker in Notion Why Even Track Your Habits? 59. Automating Pull Request Merges with Mergify Mergify is a tool that helps prioritize, queuing, and automatically merge your pull requests. 60. 20+ Extraordinary Apps For Remote Teams I am sure that you already have Zoom, Slack and Asana on your computer. But daily office life is more than written tasks and planned meetings. There are lunches with your team, spontaneous talks near the water cooler, common tasks and goals you want to acheive. It’s your comfortable workplace and it by itself motivates you to be productive. Just look at the bunch of stickers on the wall — big things are waiting for you! 61. How To Improve Concentration: 2021 Edition How to improve your focus - especially as a software developer. Book review of Deep Work by Cal Newport. 62. Upgrade Your Note-taking With Roam Research “Personal Knowledge Management (PKM) is the practice of capturing the ideas and insights we encounter in our daily life, whether from personal experience, from books and articles, or from our work, and cultivating them over time to produce more creative, higher quality work.” 63. Notion: Superior Productivity For All Notion is an All-In-One workspace. Notion’s platform allows you to create task-oriented lists and projects, wikis, databases, lightweight CRM’s, tables & more! 64. InVision Gains 2 Million Users, Adds Freehand Templates (Interview) After a year that included 40% growth in user base and a 130% surge in demand for online whiteboard products, InVision has released an update with Freehand template gallery. 65. Top 10 Business Development Tools in 2020 and 2021 Slack, Rocketbolt, and Trello are among the best business development tools in 2021. In this article, we'll go over 10 tools your business should consider. 66. 6 Tools to Help SMBs Hack Productivity in 2020 The approach of the new year is always a great time to revisit all the awesome things your SMB has achieved and pat yourself in the back about how great things are running. 67. The Zen of Python: As Related by Masters The Zen of Python saw light for the first time in 1999. It's one of the many aspects that adds to the awesomeness of Python. It's a set of expressions which corners the spirit of the language. It was enounced by Tim Peters, a reputable software engineer, master Pythonista and Python's 'most prolific and tenacious core developer' in the words of none other than Guido [18]. This article bases itself mostly on the saying of core devs and highly reputable members. It makes a great gift to all those interested in the history of the sysadmin script which took the world by (pleasent) surprise. 68. All You Need To Know About SharePoint Migration Learn how you can simplify SharePoint Migration process easily with the best SharePoint Migration Tools. 69. The Best 75 Evernote Alternatives:  Complete Review Has Evernote become a unicorn that has stopped caring about its core users while trying to attract broader markets? Thank you for checking out the 69 most read stories about Productivity Tools on HackerNoon. to find the most read stories about any technology. Visit the /Learn Repo

69 Stories To Learn About Productivity Tools

Introduction In this article, an application will be built using JavaScript and Node.js where a simple chatbot will be implemented using the platform to integrate with the WhatsApp channel and the platform to integrate with music recognition in order to test some features of the WhatsApp channel such as sending and receiving text, image, and audio messages. Zenvia AudD The first version of the mobile application was released in November 2009 exclusively for iOS and in August 2010 for Android. WhatsApp Facebook acquired WhatsApp for $16 billion in 2014 and according to the latest data released in 2018, the application has more than 5 billion installs on and more than 1.5 billion users online monthly. Google Play Aiming at efficient communication for small, medium, and large companies with their consumers around the world, in August 2018, WhatsApp launched the providing an API to send and receive messages that can integrate with corporate systems through your partners and the is an official partner of Facebook. WhatsApp Business API Zenvia Create an account on the ngrok platform is a service that exposes an application that is running locally on the Internet. ngrok Let's create the account. We will access the site and click on the button . 1. https://ngrok.com/ Sign up Now we will fill in the fields , , , click on and click on the button . You can also log in with GitHub or Google social login. 2. Name E-mail Password I'm not a robot, Sign Up Next, we will copy the command with the authentication token as this command will be configured after installation. 3. Ready! Your account was created. 4. Install and configure the ngrok platform tool The ngrok tool will create a tunnel for the application that is running locally providing a URL on the Internet. Let's install and configure ngrok. We will access the site and download the installation file for your operating system. 1. https://ngrok.com/download Now we will extract and install the downloaded file. I'm using the operating system and I just extracted it in the folder. 2. openSUSE Tumbleweed /usr/local/bin/ After install ngrok, we will configure the authentication token. In my case, I ran the below command in terminal. 3. ngrok config add-authtoken 1Rmtob9M3s7nNw02x2w72hSY0C6_5aa3v6udPVT6Gfjb51omJ Use your authentication token that was generated on the ngrok platform. Note: Now we will create the tunnel on port that will be the application's port. In my case, I ran the below command in the terminal. 4. 3000 ngrok http 3000 Ready! The ngrok tool was configured and will display in the terminal the public URL available to access on the Internet. 5. https://4402-2804-1b3-a8c3-b00f-8119-68d3-7e21-33e1.ngrok.io ngrok by @inconshreveable                                                                                                                                                                                                                                     (Ctrl+C to quit)

Session Status                online                                                                                                                                                                                                                                          
Session Expires               1 hour, 59 minutes                                                                                                                                                                                                                              
Version                       2.3.40                                                                                                                                                                                                                                          
Region                        United States (us)                                                                                                                                                                                                                              
Web Interface                 http://127.0.0.1:4040                                                                                                                                                                                                                           
Forwarding                    http://4402-2804-1b3-a8c3-b00f-8119-68d3-7e21-33e1.ngrok.io -> http://localhost:3000                                                                                                                                                            
Forwarding                    https://4402-2804-1b3-a8c3-b00f-8119-68d3-7e21-33e1.ngrok.io -> http://localhost:3000                                                                                                                                                           

Connections                   ttl     opn     rt1     rt5     p50     p90                                                                                                                                                                                                     
                              0       0       0.00    0.00    0.00    0.00 The tunnel has an expiration time of 2 hours as displayed in , and if it expires, run the command again to create the tunnel. Note: Session Expires Create an account on the Zenvia platform is a platform that empowers companies to create unique communication experiences for their customers through SMS, WhatsApp, Voice, Facebook Messenger, WEB Chat, and RCS channels. Zenvia Let's create the account. We will access the site and click on the link . 1. https://app.zenvia.com Create your account Now we will fill in the fields , , , click on the option and click on the button . 2. Name E-mail Password I'm not a robot, Create an account After creating the account, we will check the registered email. 3. Now we will click on the button, in the email sent. 4. YES IT'S ME! CONFIRM IT :) After confirming the email, we will fill in the field and click on the button . 5. E-mail Next Now we will fill in the field and click on the button . 6. Password Sign in Next, we will fill in the field and click on the button to validate your phone number. 7. Enter your phone number Continue Now we will fill in the field with the code you received on your mobile phone and click on the button . 8. Enter the 6-digit code Continue Ready! Your account was created. 9. Create the sandbox on the ZENVIA platform is a very popular concept among developers, where it is possible to test some functionality of a platform without hiring the service. Therefore, it needs to be intuitive and without bureaucracy. Sandbox Let's create the Sandbox in the WhatsApp channel. We will click on the menu and . 1. Developers Sandbox Now we will click on the button . 2. Create New Next, we will select the option and click on the button . 3. WhatsApp Next After selecting the option , we will scan the QR Code or send the keyword to the number using your WhatsApp application. Another option is to access the URL using your mobile phone, as the WhatsApp application will open with the message to send to the number . 4. WhatsApp wobbly-chatter +551148377404 https://wa.me/551148377404?text=wobbly-chatter wobbly-chatter 551148377404 Notes: This word is automatically generated when a Sandbox is created, so another word will be generated when you get to this step. This registration is required for the Zenvia platform to register the number(s) you would like to test, making it impossible to send the message to any mobile phone. It is possible to register other numbers using the same process. You will receive a message on your mobile phone confirming the registration of your number. 5. The number(s) registered will be displayed on the screen, as well as the limit of 200 messages in a 24-hour period. Now we will click on the button . 6. Next Note: When the 24-hour period is reached, register the number(s) again to start a new cycle of 200 messages in the 24-hour period. If you use the 200 messages, you will have to wait a period of 24 hours. After registering the number(s), we will test sending a text message. Select the number you want to send in the field , fill in the message in the field and click on the button . Copy the token in the parameter and, in my case, the token was generated because this token will be configured in the Node.js application. Click on the button . 7. To Message Send message X-API-TOKEN UbH-3NSJMufN0VN5fejawn633zDGnXRiRhYI Next Notes: In the field , as it is a Sandbox, a random word is created that corresponds to the integration identifier when the service is contracted. From In the field , an example of a request using the tool is displayed. You can simulate this same request using other tools like or . Request curl Postman Insomnia In the field, displays the request response in JSON format. Response Next, the test message is sent to the selected number. 8. Now we will create a subscription to the webhook using the URL that was created on the ngrok platform. We will fill in the fields with the URL and with the URL and click on the buttons and . 9. Message Webhook URL https://4402-2804-1b3-a8c3-b00f-8119-68d3-7e21-33e1.ngrok.io/message Status Webhook URL https://4402-2804-1b3-a8c3-b00f-8119-68d3-7e21-33e1.ngrok.io/status Save Finish Ready! Sandbox created for the WhatsApp channel, number configured and token generated. API documentation is available . 10. here Create an account on the AudD platform is a service that allows you to recognize music using an API. AudD Let's create the account. We will access the site and click on the button . 1. https://audd.io Get an API Token Now we will click on the link . 2. Sign up Next, we will fill in the fields , and click on the button . You can also log in with Telegram, Google, or GitHub social login. 3. Email address Enter the code shown above Continue Then, we will fill in the field and click on the button . 4. Password Continue After creating the account, we will check the registered email. We will click on the button in the email sent. 5. Confirm my account Now we will click on the button to copy the token generated because this token will be configured in the Node.js application. 6. Copy Ready! Your account was created and the token was generated. API documentation is available . 7. here Create the Node.js application is open source, cross-platform software that runs JavaScript code on the server. It is based on Google's V8 JavaScript interpreter. Node.js Let's create the application. We will create the application folder. 1. mkdir chatbot-whatsapp
cd chatbot-whatsapp Now we will create the file . The option allows the file to be created without the questions, such as application name, and version, among others. 2. package.json -y npm init -y Next, we will install the dependencies , , and . 3. dotenv express got @zenvia/sdk npm install dotenv express got @zenvia/sdk After installing the dependencies, we will create the file . 4. .env touch .env Now we will add the tokens created on the platforms Zenvia and AudD in the file as below. 5. .env ZENVIA_TOKEN=gSTuqxR2rsXY-UJGzdXFMWv-uvp7DKPtGLzq
AUDD_TOKEN=311207449541d9dbd7f7bc9a52680e57 Next, we will create the folder and create the file inside the folder . 6. src index.js src mkdir src
touch src/index.js After creating the folder and the file, we will add the content below in the file , where when receiving a message, the application will send a message with the content . 7. src/index.js Tested const dotenv = require('dotenv');
const { Client, TextContent, WebhookController } = require('@zenvia/sdk');

dotenv.config();

const client = new Client(process.env.ZENVIA_TOKEN);

const whatsapp = client.getChannel('whatsapp');

const webhook = new WebhookController({
  messageEventHandler: (messageEvent) => {
    console.log('Message event:', messageEvent);

    const content = new TextContent('Tested');

    whatsapp.sendMessage(messageEvent.message.to, messageEvent.message.from, content)
    .then(response => {
      console.log('Response:', response);
    });
  },
  channel: 'whatsapp',
});

webhook.on('listening', () => {
  console.log('Webhook is listening');
});

webhook.init(); Now we will run the application with the command below. 8. node src/index.js Next, we will test the integration with the Zenvia platform. We will send a test message using the registered mobile phone. You should get the message with the content . 9. Tested After creating and testing the sending and receiving of text messages, we will change the content of the file to improve the application, search the music recognition and send the content of the audio and image type. 10. src/index.js const dotenv = require('dotenv');
const got = require('got');
const FormData = require('form-data');
const { Client, FileContent, TextContent, WebhookController } = require('@zenvia/sdk');

dotenv.config();

const client = new Client(process.env.ZENVIA_TOKEN);

const whatsapp = client.getChannel('whatsapp');

const webhook = new WebhookController({
  channel: 'whatsapp',
  messageEventHandler: async (messageEvent) => {
    let content = [new TextContent('Tested')];

    if (messageEvent.message.contents[0].type === 'file' && messageEvent.message.contents[0].fileMimeType.includes('audio')) {
      const music = await recognizeMusic(messageEvent.message.contents[0].fileUrl);

      if (music) {
        let text = '';
        if (music.artist) {
          text = `${text}Artist: *${music.artist}*\n`;
        }
        if (music.title) {
          text = `${text}Title: *${music.title}*\n`;
        }
        if (music.album) {
          text = `${text}Album: *${music.album}*\n`;
        }
        content = [new TextContent(text)];
        if (music.deezer && music.deezer.picture) {
          content.push(new FileContent(music.deezer.picture, 'image/jpeg'));
        }
        if (music.deezer && music.deezer.preview) {
          content.push(new FileContent(music.deezer.preview, 'audio/mpeg'));
        }
      } else {
        content = [new TextContent('Could not identify the music from the audio.')];
      }
    }

    whatsapp.sendMessage(messageEvent.message.to, messageEvent.message.from, ...content)
    .then((response) => {
      console.debug('Response:', response);
    });
  },
});

webhook.on('listening', () => {
  console.info('Webhook is listening');
});

webhook.init();

const recognizeMusic = async (url) => {
  const form = new FormData();
  form.append('api_token', process.env.AUDD_TOKEN);
  form.append('url', url);
  form.append('return', 'deezer');

  const response = await got.post('https://api.audd.io/', {
    body: form,
    responseType: 'json',
    resolveBodyOnly: true,
  });

  if (response && response.result) {
    return {
      artist: response.result.artist,
      title: response.result.title,
      album: response.result.album,
      deezer: {
        picture: response.result.deezer && response.result.deezer.artist ? response.result.deezer.artist.picture_medium : undefined,
        preview: response.result.deezer ? response.result.deezer.preview : undefined,
      },
    };
  }
}; Now we will run the application again with the command below. 11. node src/index.js Next, we will test the integration with the Zenvia and AudD platforms. We will send the audio of the music. We will click and hold the button to record 5 seconds of music. 12. Record After sending the audio of music, the application will receive the audio file, search the music recognition and if the music is recognized, the application will send a text message with the music information such as artist, title and album, and two others image and audio messages with 30 seconds of music. 13. Ready! We tested the application by sending and receiving text, image, and audio messages using mobile phones and music recognition. 14. The application repository is available . here Conclusion In summary, the following topics were covered in this article: We created an account on the ngrok platform. We installed and configured the ngrok platform tool. We created an account on the Zenvia platform. We created the sandbox on the Zenvia platform on the WhatsApp channel. We created an account on the AudD platform. We created a Node.js application. We tested sending and receiving text, image, and audio messages on the WhatsApp channel using mobile phones and music recognition. You can use this article to create an application using JavaScript and Node.js, send and receive messages from the WhatsApp channel using the Zenvia platform, and music recognition using the AudD platform. Thank you for reading and I hope you enjoyed the article! This tutorial was posted on my in Portuguese. blog To stay updated whenever I post new articles, follow me on and . Twitter LinkedIn

How to Build a Music Recognition Chatbot on WhatsApp Using Node.js

Validating a User Phone Number With SMS on Auth0 Using ZENVIA

Introduction In this article, we will build an application using JavaScript and Node.js where a simple chatbot will be implemented using the platform to integrate with a RCS channel and the platform. We will retrieve meteorological data in order to test some features of the RCS channel such as sending and receiving text and image messages and share location. ZENVIA OpenWeatherMap RCS (Rich Communication Services) is a communication protocol that uses the carriers' infrastructure, as well as SMS (Short Message Service), with the purpose of having rich content such as image, video, button, card, among others. This protocol can be implemented by any operating system or mobile application, however, it is currently supported on Android devices and the application. Messages Create an account on the ngrok platform is a service that exposes an application that is running locally on the Internet. ngrok Access the site and click on the button . 1. https://ngrok.com/ Sign up Fill in the fields , , , click on and click on the button . You can also login with GitHub or Google social login. 2. Name E-mail Password I'm not a robot Sign Up Ready! Account created. 3. Install and configure the ngrok Platform Tool The ngrok tool will create a tunnel for the application that is running locally providing a URL on the Internet. Access the site and download the installation file for your operating system. 1. https://ngrok.com/download Extract and install the downloaded file. I'm using the operating system and I just extracted it in the folder. 2. openSUSE Tumbleweed /usr/local/bin/ Configure the authentication token. In my case, I ran the below command in terminal. 3. ngrok authtoken 1Rmotb9M3sa7Nw2Ox2w27hSY0c8_5ee3v6duPVT6Gfjb15omJ Note: Use your authentication token that was generated on the ngrok platform. Create the tunnel on port that will be the application's port. In my case, I ran the below command in terminal. 4. 3000 ngrok http 3000 Ready! The ngrok tool is configured and will display in the terminal the public URL available to access on the Internet. 5. https://da3e845a1ceb.ngrok.io ngrok by @inconshreveable                                                                                                                                                                                                                                     (Ctrl+C to quit)

Session Status                online                                                                                                                                                                                                                                          
Session Expires               1 hour, 59 minutes                                                                                                                                                                                                                              
Update                        update available (version 2.3.40, Ctrl-U to update)                                                                                                                                                                                             
Version                       2.3.35                                                                                                                                                                                                                                          
Region                        United States (us)                                                                                                                                                                                                                              
Web Interface                 http://127.0.0.1:4040                                                                                                                                                                                                                           
Forwarding                    http://da3e845a1ceb.ngrok.io -> http://localhost:3000                                                                                                                                                                                           
Forwarding                    https://da3e845a1ceb.ngrok.io -> http://localhost:3000                                                                                                                                                                                          

Connections                   ttl     opn     rt1     rt5     p50     p90                                                                                                                                                                                                     
                              0       0       0.00    0.00    0.00    0.00 Note: The tunnel has an expiration time of 2 hours as displayed in , and if it expires, run the command again to create the tunnel. Session Expires Create an account on the ZENVIA platform is a platform that empowers companies to create unique communication experiences for their customers through SMS, WhatsApp, Voice, Facebook Messenger, WEB Chat and RCS channels. ZENVIA Access the site and click on the link . 1. https://app.zenvia.com Create your account Fill in the fields , , , click on the option and click on the button . 2. Name E-mail Password I'm not a robot Create account Check the registered email. 3. Click on the button in the email sent. 4. YES IT'S ME! CONFIRM IT :) Fill in the field and click on the button . 5. E-mail Next Fill in the field and click on the button . 6. Password Sign in Fill in the field and click on the button . 7. Enter your phone number Continue Fill in the field with the code you received on your mobile phone and click on the button . 8. Enter the 6-digit code Continue Ready! Account created. 9. Create the Sandbox on the ZENVIA Platform is a very popular concept among developers, where it is possible to test some functionality of a platform without hiring the service. Therefore, it needs to be intuitive and without bureaucracy. Sandbox Click on the menu and . 1. Solutions Sandbox Click on the button . 2. Create New Select the option and click on the button . 3. RCS Next Fill in the field with your mobile phone and click on the button . 4. Send message Notes: This registration is required for the ZENVIA platform to register the number(s) you would like to test, making it possible to send the message to any mobile phone. It is possible to register other numbers using the same procedure. You will receive a message on your mobile phone confirming the registration of the number. Click on the button to confirm your registration. 5. Accept You will receive a message on your mobile phone confirming that your number has been registered. 6. The registered number(s) will be displayed on the screen, as well as the limit of 200 messages in a 24-hour period. 7. Note: When the 24 hour period is reached, register the number(s) again to start a new cycle of 200 messages in the 24 hour period. If you use the 200 messages, you will have to wait a period of 24 hours. You can test sending a text message. Select the number you want to send in the field , fill in the message in the field and click on the button . Copy the token in the parameter and, in my case, the token was generated because this token will be configured in the Node.js application. Click on the button . 8. To Message Send message X-API-TOKEN gSTuqxR2rsXY-UJGzdXFMWv-uvp7DKPtGLzq Next Notes: In the field , as it is a Sandbox, a random word is createdIn the From field, as it is a Sandbox, a random word is created that corresponds to the integration identifier when the service is contracted. From In the field , an example of a request using the tool is displayed. You can simulate this same request using other tools like or . Request curl Postman Insomnia Test message sent to the selected number. 9. Let's create a subscription to the webhook using the URL that was created on the ngrok platform. Fill in the fields with the URL and with the URL and click on the buttons and . 10. Message Webhook URL https://da3e845a1ceb.ngrok.io/message Status Webhook URL https://da3e845a1ceb.ngrok.io/status Save Finish Ready! Sandbox created for the RCS channel, number and webhook URL configured. API documentation is available at . 11. https://zenvia.github.io/zenvia-openapi-spec/ Create an account on the OpenWeatherMap platform is a service that allows you to get weather data using APIs. OpenWeatherMap Access the site and click on the link . 1. https://openweathermap.org Sign In Click on the link . 2. Create an Account Fill in the fields , , , , click on , , and click on the button . 3. Username Enter email Password Repeat Password I am 16 years... I agree with... I'm not a robot Create Account Select an option in the field and click on the button . 4. Purpose Save Check the registered email. 5. Click on the button in the email sent. 6. Verify your email Ready! Account created. 7. Search the API key on the OpenWeatherMap platform Click on the link . 1. API keys Copy the key in the parameter and, in my case, the key was generated because this key will be configured in the Node.js application. 2. Key 311207449541d9dbd7f7bc9a52680e57 Ready! API key created. API documentation is available at . 3. https://openweathermap.org/current Create the Node.js application is an open-source, cross-platform software that runs JavaScript code on the server. It is based on Google's V8 JavaScript interpreter. Node.js Create the application folder. 1. mkdir chatbot-rcs
cd chatbot-rcs Create the file . The option allows the file to be created without the questions, such as application name, version, among others. 2. package.json -y npm init -y Install the dependencies , and . 3. dotenv express got npm install dotenv express got Create the file . 4. .env touch .env Add the tokens created on the platforms ZENVIA and OpenWeatherMap in the file as below. 5. .env ZENVIA_TOKEN=gSTuqxR2rsXY-UJGzdXFMWv-uvp7DKPtGLzq
OPENWEATHERMAP_TOKEN=311207449541d9dbd7f7bc9a52680e57 Create the folder and create the file inside the folder . 6. src index.js src mkdir src
touch src/index.js Add the content below in the file , where when receiving a message, the application will send a message with the content . 7. src/index.js Tested const dotenv = require('dotenv');
const express = require('express');
const got = require('got');

dotenv.config();

const app = express();
app.use(express.json());

app.post('*', async (req, res) => {
  const contentReceived = req.body;
  console.log(`Content Received [${JSON.stringify(contentReceived)}]`);

  res.sendStatus(200);

  if (!contentReceived || !contentReceived.message || !contentReceived.message.contents) {
    return;
  }

  if (contentReceived.type === 'MESSAGE') {
    await got.post('https://api.zenvia.com/v2/channels/rcs/messages', {
      responseType: 'json',
      resolveBodyOnly: true,
      json: {
        from: contentReceived.message.to,
        to: contentReceived.message.from,
        contents: [{
          type: 'text',
          text: 'Tested',
        }],
      },
      headers: {
        'X-API-TOKEN': process.env.ZENVIA_TOKEN,
      },
    });
  }
});

app.listen(3000);

console.log('Listening...'); Run the application with the command below. 8. node src/index.js Test the integration with the ZENVIA platform. Send a test message using the registered mobile phone. You should get the message with the content . 9. Tested After creating and testing the sending and receiving of text messages, we will change the content of the file to improve the application, search the weather data and send the content of the card type. 10. src/index.js const dotenv = require('dotenv');
const express = require('express');
const got = require('got');

dotenv.config();

const app = express();
app.use(express.json());

app.post('*', async (req, res) => {
  const contentReceived = req.body;
  console.log(`Content Received [${JSON.stringify(contentReceived)}]`);

  res.sendStatus(200);

  if (!contentReceived || !contentReceived.message || !contentReceived.message.contents) {
    return;
  }

  if (contentReceived.type === 'MESSAGE') {
    let content = {
      type: 'text',
      text: 'Tested',
    };

    if (contentReceived.message.contents[0].type === 'location') {
      const weather = await getWeather(contentReceived.message.contents[0].latitude, contentReceived.message.contents[0].longitude);
      content = {
        type: 'card',
        text: `📍 Weather for ${weather.name}\n\nTemperature: ${weather.temperature}º\nMinimum Temperature: ${weather.temperatureMinimum}º\nMaximum Temperature: ${weather.temperatureMaximum}º\nHumidity: ${weather.humidity}%`,
        media: {
          url: weather.url,
          disposition: 'ON_THE_LEFT',
        },
      };
    }

    await got.post('https://api.zenvia.com/v2/channels/rcs/messages', {
      responseType: 'json',
      resolveBodyOnly: true,
      json: {
        from: contentReceived.message.to,
        to: contentReceived.message.from,
        contents: [{...content}],
      },
      headers: {
        'X-API-TOKEN': process.env.ZENVIA_TOKEN,
      },
    });

    console.log(`Content Sent [${JSON.stringify(content)}]`);
  }
});

app.listen(3000);

console.log('Listening...');

const getWeather = async (latitude, longitude) => {
  const response = await got.post(`https://api.openweathermap.org/data/2.5/weather?appid=${process.env.OPENWEATHERMAP_TOKEN}&units=metric&lat=${latitude}&lon=${longitude}`, {
    responseType: 'json',
    resolveBodyOnly: true,
  });

  return {
    name: response.name,
    temperature: response.main.temp,
    temperatureMinimum: response.main.temp_min,
    temperatureMaximum: response.main.temp_max,
    humidity: response.main.humidity,
    url: `https://rodrigokamada.github.io/openweathermap/images/${response.weather[0].icon}_w@4x.png`,
  };
}; Run the application again with the command below. 11. node src/index.js Test integration with ZENVIA and OpenWeatherMap platforms. Let's share the location. Click on the button to display the options. 12. Plus Click the button to display the location sharing. 13. Location Click the button to share the location. 14. Send After sharing the location, the application will receive the message containing the latitude and longitude information, search the weather data and send a card type content with the weather data. 15. Ready! Application tested and running using a mobile phone. 16. The application repository is available at . https://github.com/rodrigokamada/chatbot-rcs Extras Carriers available in Brazil: Claro, Oi, Tim and Vivo. If you have problems with the Google Messages application, enable the option available within the menu and then under . Enable chat features Settings Chat features This tutorial was first posted on my in Portuguese. blog

How to Build a Weather Chatbot with RCS Services using Node.js

Trends to watch out for, the next big year! or its portmanteau ‘ is no longer confined to the dark and dingy corners of back-offices, in fact, it has taken centre stage by making itself indispensable to almost all of the customer-driven processes. Any digital transaction, be it, , is possible at our fingertips thanks to ‘FinTech.’ So, how did FinTech come to play such an essential role in the lives of us consumers? Financial Technology FinTech’ online shopping, foreign currency exchange, stock investments or money transfers As it was rightly said by Mr. White — “ ”. This new explosion in IT is definitely the one that is knocking on every VCs and investors doorstep. This could be precisely said because the overall investment in Financial Technology has . I am the one who knocks already surpassed the 2017 results in mid-year itself Let’s take a look at some of the major breakthroughs that occurred in FinTech this year, WorldPay (now ) was publicly listed which provided online services for accepting electronic transactions by a variety of methods such as credit card, bank based or direct transfer. It also offered a range of merchant services and operated in an extensive demographic (400,000 merchants in 146 countries) across the globe. It was acquired by , a leading provider of payment processing services and related technology solutions for financial institutions. The acquisition came as a significant step forward for the two giants. WorldPay which competes with the likes of and several others gained significant momentum after the acquisition. • The acquisition of WorldPay WorldPay, Inc payment processing platform Vantiv $12.9 billion VeriFone, PayPal, Stripe It didn’t come as a surprise to many when China’s raised about $14 billion in its last seed round. After all, it is backed by one of the biggest names in the industry ( .). • The Funding of Ant Financial Ant Financial Alibaba Group Holding Ltd Image Source: www.ft.com The funding made Ant the world’s leading FinTech firm. The funding undeniably equipped them with enormous resources for expansion. The affiliate of Alibaba Group Holding Ltd. is alreadyChina’s biggest online payments service and even controls the world’s largest money market fund. “ ,” Ant’s CEO Eric Jing said in a statement to Bloomberg. Now, with the help of our partners, we are going to accelerate our strategy Analyzing the above developments we could accurately predict where FinTech is headed in 2019. Let’s take a sneak peek, 1. RegTech is here to stay Compliance, Complexity, Cost and Bureaucratic processes have always stifled the development of the finance industry. The long and tedious processes have proven to be a bane for the industry. This led to the reincarnation of a morbid industry that never saw a significant thrust since the spurt of the . Consequently, we are seeing a lot of financial firms shifting to to bridge those gaps. One must wonder- dot-com bubble Regulatory Technology (RegTech) What exactly is RegTech?? It is essentially such as regulatory compliance. It has a significant impact on financial services. In simpler words, it is a technology that helps financial service firms get better at dealing with regulation. For instance, . But the benefits of RegTech far exceeds than just KYC. As the , technologies such as are enabling companies to gain insights into regulatory practices, automate reporting, carry out a meaningful inspection of critical compliance risk areas and even potentially create an end-to-end view of compliance. Companies are using RegTech to deal with the vast amount of data they are generating. More data handled the right way also means better information.Many VCs and investors have already started riding on the RegTech bandwagon, due to which there has been a significant increase in the investment across this lucrative sector. RegTech has a promising future ahead, and these new-age startups will be the ones to watch out for in the upcoming calendar. Based out of Luxembourg, and founded by brothers Bert and Rob Boerman, this RegTech startup provides smart technology and support services to facilitate the control of regulated companies. They raised their Series A round this year. Governance.io has established itself as a platform for good governance through the use of technology and support. Deployed , the solution allows all stakeholders to collaborate on data, documentation, and workflows. It also provides a white-labelled client portal to exchange data and collaborate on meetings and due diligence questionnaires. . This UK based startup was founded in 2015. Riding on new age technologies, ALA has established a stronghold in the Compliance sector. It offers enterprise-wide for buy and sell-side institutions and other financial firms. Their bring alternative data insights for financial institutions. By using , ALA develops and apply risk calculations. Communications and other source data are scored against a series of to quickly pick up on any issues that could cause problems. the use of technology across financial services functions to ease financial tasks Know Your Customer (KYC) world is moving from big data to ‘smart data’ artificial intelligence and machine learning . There has been an investment of $1.37 billion in the first half of 2018 — more than for all of 2017 1. Governance.io / governance.com: at-premise or in the cloud A network of governance supports clients that can provide hosting, operational support, regulatory advisory, and other support services 2. Advanced logic analytics: big data and financial analytics solutions data science-led business offering and AI driven algorithms machine learning-based analytic techniques Key Risk Indicators (KRIs) RegTech startups that are creating a difference in the Compliance Sector Agreement Express provides for financial services. Their platform allows wealth management and payments companies to deliver customer application, approval, and onboarding services across their offerings. They provide seamless integration to the back-office for compliance and risk workflows which is one of their most sought-after features. 3. Agreement express: onboarding automation software The differentiating factor for this Munich based startup has been the market it caters**.** Alyne offerings include across all industries of all magnitudes. They call themselves “Business focused Software as a Service”. 4. Alyne: cybersecurity, risk management and compliance capabilities Surety caters to a niche segment of Regulatory Technology. They provide technology to protect the integrity of digital information using They are also one of the prominent providers of regulatory services such as . Surety sanctions users to apply to almost any form of electronic information. They are , providing long-term and independent proof with the guarantee that the information hasn’t been tampered since. 5. Surety: cryptographic time-stamping service. IP protection and digital footprint preservation tamper-proof digital “Seals” easily deployable across enterprise or cloud Appzen is an extremely impressive AI platform that utilizes , It integrates with all major ERPs, invoicing software, and expense automation products. This six-year-old startup is and has recently . Appzen enjoys clientele such as , and 650 major organizations. “ ,” AppZen’s Chief Executive Officer, said in a statement. 6. AppZen: machine learning to audit contracts expense reports and invoices. valued at $175 million raised $35 million in its Series B round Airbnb, Amazon, Citi Bank, Salesforce, Intuit The goal is to address all the domains in the CFO organization Anant Kale AQMETRICS provides software for financial services firms trading on the global financial markets. Headquartered in Kildare, Ireland (EU), AQMETRICS has raised almost in investment so far. They specialize in providing and to investment management companies. AQMETRICS serves a suite of cloud-based solutions and supports a full range of global regulatory reporting. Arachnys’ vision is focused on exploiting the evolving markets rather than already lucrative ones because they believe emerging markets, which are often fragmented and poorly organized will see an explosion of business information. Unlike their RegTech counterparts, Arachnys, therefore, targets the Eurasian market more extensively. Their primary emphasis remains attractive markets like . Arachnys domain expertise caters to by using cutting-edge technologies such as . Their products are specifically tailored to serve diverse customer base and are extensively customizable. 7. AQMETRICS: GRC (Governance, Risk & Compliance) $3.3 Million unified market surveillance compliance solutions 8. Arachnys: China, India, Russia, and the Middle East Customer Risk Evaluation lifecycle Robotic Process Automation, Machine Learning, Intelligence, and Natural Language Processing 2. Artificial Intelligence: In the early days of banking, bankers used to have personal connections with their customers. Each step of the banking process involved customer-client interaction. But due to the digitization of the banking process, this personal connection has been lost. So, is it possible to leverage the same technology to get that human interaction back? Image Source: geniusmonkey.com Many believe, . Artificial intelligence (A.I.) will continue to govern FinTech in new ways. . A.I can be leveraged to bring back that connection In 2019, we could see companies use A.I. to develop new commerce interfaces, with the number of companies looking into voice set to increase Let’s delve into the potential use-cases of A.I: : In traditional banking infrastructure, there were a lot of customers who were underserved and ignored. They couldn’t apply for a loan because they didn’t have a credit score. Many startups have stepped up to bridge that crevice. . Many tools and technologies such as are being deployed to ensure a detailed evaluation of the potential borrower. These technologies let banks build a vivid picture that allows them to evaluate whether a candidate is creditworthy. • Credit Scores Various applications are coming up to assist customers who want to apply for a loan but have no credit history for the bank to review Psychometric Analysis, Behavioral Detection, Predictive Analysis, and mining of the borrower’s data through the web, social media, geo-location and even browser history : The banking sector is the single most targeted area by hackers and fraudsters for obvious reasons. This anomaly allows for the development of some of the most innovative and hi-tech solutions in this realm. , and numerous other tools and technologies are being deployed by financial firms and new-age startups to address this issue. Many and issue warnings in case of possible security infringement. Due to these developments, and digital payment gateways to carry out their financial transactions. • Security and Fraud Control Machine Learning, Natural Language Processing, Optimized Algorithms A.I tools have also come into use to analyze and observe user’s critical behavioral patterns it was observed in the Q3 that consumers are increasingly becoming more at ease at using A.I-driven applications : Time and again it has been witnessed that most of the customer-facing processes are becoming obsolete by every passing day. They are being revolutionized by the advent . It could be easily figured out as to what exactly is driving that trend. Automation of customer-facing services address one problem that has always costed companies in billions of dollar — . • Customer Support Automation of Chabots and Virtual Assistants Human Error Image Source: medium.com/techsee A.I driven platforms with use of Natural Language Processing (NLP) are turning more human than ever. This combined with no possible error in delivery makes it an ideal fit. Chatbots can not only answer customer queries intelligently, but they can also be integrated with social networking sites, and accept requests for applications and orders directly from social media channels. The outcomes clearly surpassed the forecasts. Gartner prediction for 2018, projected more than 2 billion people would be diligently using conversational A.I to interact with virtual assistants on different platforms. 3. Blockchain will venture beyond Bitcoin: The much-hyped technology upon which Bitcoin and other cryptocurrencies are based — , is all set out to venture beyond Bitcoin and will serve various other markets and domains. Keeping in mind the potential of , several banks and financial firms have planned for considerable investments in the domain. Many companies have rolled out pilot programs across a range of industries, including — . Earlier in 2018, several banks in Asia conducted a pilot in which Blockchain was used to transfer funds across continents in a matter of few seconds. The Blockchain Blockchain financial services, healthcare and even global logistics Image Source: twitter.com/chboursin The following could be the potential use cases that can come into light in 2019, : Blockchain could help tremendously in gun control and weapon accountability. This could easily be one of the single most significant reform that could change the entire state of firearm distribution. And gun control being such a trending topic on almost every new network. Blockchain could create a completely transparent and never-changing registry ledger that allows law enforcement to track down weapons and guns ownership. It could also be utilized to keep a record of weapons sold privately. If you are worried about booth capturing or voter fraud. Then Blockchain will offer you a sigh of relief. Blockchain would offer the ability to vote digitally and at the same time be transparent enough that any regulator could see if any irregularity or fraud transpires. The decentralized nature and its immutability would ensure your vote truly counts. Digital IDs with the help of Blockchain would be a boon for the impoverished and developing nations by giving them access to financial services. Tech giant Microsoft is already planning to venture into the domain by creating digital IDs within its Authenticator app. 1. Weapons Tracking 2. Digital Voting: 3. Digital IDs: Since paper trails are frequently a source of confusion, it is entirely possible that Blockchain will take paper out of the equation. So, if one plans to buy or sell land, a house, or even a car you’ll just require to transfer the title. Thanks to Blockchain these titles will get stored on the network allowing for a crystal clear picture of the legal ownership. 4. Real Estate: Patient privacy would be utterly discreet by the introduction of Blockchain in the pharmaceutical sector. The patients who possess the key to access these records will be in complete ownership of their data and will control who can access or view that data. Thus strengthening the that are designed to protect their privacy. 5. Record keeping of medical records: HIPAA laws Many networking corporations have announced that they are working on a Blockchain based application that will monitor the Internet of Things network. Such an application would help determine the authenticity of the devices on the network and would continuously do so for devices entering and leaving the network. This could drive a significant shift in device-to-device integration. 6. Managing IoT (Internet of Things) networks: 4. Financial Inclusion: In the largest ever gathering of FinTech firms in Singapore, Indian Prime Minister, introduced attractive policies and plans to invite investors to the Indian landscape. “ ,” said Modi, the keynote speaker at the Singapore FinTech Festival. In Nigeria, FinTech startup has come with a solution that provides simple and reliant digital payment system to the consumers. So, consumers of Nigeria who were generally skeptical when it comes to e-commerce, have embraced the platform. Narendra Modi I say this to all the FinTech companies and startups: India is your best destination NetPlus Developments such as these are proving to be an excellent boost for evolving markets such as India, Brazil, Nigeria, Indonesia, and several others. Earlier when the FinTech hubs used to be just San Francisco, Singapore, and London, such developments are driving investors to these huge rewarding markets. This shift in the market will gain significant traction next year and developing nations would possible see tremendous growth in investments across FinTech and RegTech. Also, several financial establishments are planning to open up new premises in these countries which definitely suggests what is expected to come our way in 2019. Wrapping up: My prediction for 2019: It is big, It is growing, and It is disruptive. FinTech would be the second-most significant transformation in Finance, since the first permanent banknotes** **. . I believe, Financial Technology would not only disrupt the way we purchase and invest, but it would also alter the very definition of money itself is upon us and banks, and financial firms will enjoy a roller-coaster ride riding on the FinTech wagon. 2019 will be the year of banks acquiring FinTech firms, or waiting for their slow demise. Those who catch the FinTech train would bolster, and the rest would be gasping for air. FinTech 3.0 After all, it is true what they say — . You snooze, You lose If you have any queries at all, please feel free to drop your comments. Originally Published on by EngineerBabu Blog Saransh Sethi — — — — — — — — — — — — — — — — — — — — — — — — — — Read My Other Related Articles 1. How to Start a FinTech Company , Also on Hackernoon 2. Top 10 Fintech Companies Transforming Finance in USA 3. Digital Transformation in Finance , Also on Hackernoon 4. How is Blockchain Revolutionizing Banking and Financial Markets , Also on Hackernoon 5. Asking for Blockchain to your Daily Banking Solutions , Also on Hackernoon I am Mayank, Cofounder of EngineerBabu . Feel free to reach out to me on LinkedIn | mayank@engineerbabu.com (About EngineerBabu — Medium ). In addition Help startups, enterprises, and owners to grow their business by building high class IT solutions. 95% of projects developed by them were completed on-time. , Win most innovative Premier Design Award, selected in Y-Combinator 2016 & 2017. EngineerBabu 30+ funded by VCs

FinTech in 2019

This paper is available on arxiv under CC 4.0 license.
Authors:
(1) Muhammed Yusuf Kocyigit, Boston University;
(2) Anietie Andy, University of Pennsylvania;
(3) Derry Wijaya, Boston University. Table of Links Abstract and Intro
Related Works
Data
Method
Analysis and Results
Conclusion
Limitations
Ethics Statement and References
Appendix: Toxicity Measurement
Appendix: Correlation Over Time
Appendix: Wikidata
Appendix: Hyperparameter Sensitivity Appendix: Wikidata We use the the query in Figure 8 to select the set of individuals that were born in, residents of and citizens of the United States of America. The query takes the ethnic label manually. The ethnic label returns classes that are much more fine-grained then we aim for in this study so we manually create a dictionary to map each sub-group into our main categories presented in Figure 4 as African American, White American and Others. For African American the main rule was that the origin country for the ethnicity would be in the African Continent. We have also classified each European American(for example Italian American, Irish American etc.) ethnicity into White Americans. Finally we manually label individuals that are are significant figures that don’t contain the ethnicity label in their Wikipedia page. This was more prevalent in White Americans. This paper is available on arxiv under CC 4.0 license. Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. This paper is available on arxiv under CC 4.0 license. Authors: Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. Table of Links Abstract and Intro Related Works Data Method Analysis and Results Conclusion Limitations Ethics Statement and References Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Wikidata Appendix: Hyperparameter Sensitivity Abstract and Intro Abstract and Intro Related Works Related Works Data Data Method Method Analysis and Results Analysis and Results Conclusion Conclusion Limitations Limitations Ethics Statement and References Ethics Statement and References Appendix: Toxicity Measurement Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Correlation Over Time Appendix: Wikidata Appendix: Wikidata Appendix: Hyperparameter Sensitivity Appendix: Hyperparameter Sensitivity Appendix: Wikidata We use the the query in Figure 8 to select the set of individuals that were born in, residents of and citizens of the United States of America. The query takes the ethnic label manually. The ethnic label returns classes that are much more fine-grained then we aim for in this study so we manually create a dictionary to map each sub-group into our main categories presented in Figure 4 as African American, White American and Others. For African American the main rule was that the origin country for the ethnicity would be in the African Continent. We have also classified each European American(for example Italian American, Irish American etc.) ethnicity into White Americans. Finally we manually label individuals that are are significant figures that don’t contain the ethnicity label in their Wikipedia page. This was more prevalent in White Americans.

A Novel Method for Analysing Racial Bias: Collection of Person Level References: Appendix: Wikidata

This paper is available on arxiv under CC 4.0 license.
Authors:
(1) Muhammed Yusuf Kocyigit, Boston University;
(2) Anietie Andy, University of Pennsylvania;
(3) Derry Wijaya, Boston University. Table of Links Abstract and Intro
Related Works
Data
Method
Analysis and Results
Conclusion
Limitations
Ethics Statement and References
Appendix: Toxicity Measurement
Appendix: Correlation Over Time
Appendix: Wikidata
Appendix: Hyperparameter Sensitivity Appendix: Toxicity Measurement For toxicity measurements we use a filtering method to remove words that might lose their toxic meaning over time. We use the conservative subset from Hurtlex (Bassignana, Basile, and Patti 2018) and we include all categories off toxic words in our analysis. In Table 2 we see the words that are removed from the toxic words list. A few interesting observations are words relating to prostitution are generally removed in the early decades. This could be that while they could still have taboo, they had a big enough difference in how they relate to other words in that time that they were filtered out. Another interesting observation is that the word fascist was filtered out during the decades 1930 and 1940. This is before World War II where a lot of nationalist sentiment was becoming mainstream in the World which could also explain this change in the meaning. This paper is available on arxiv under CC 4.0 license. Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. This paper is available on arxiv under CC 4.0 license. Authors: Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. Table of Links Abstract and Intro Related Works Data Method Analysis and Results Conclusion Limitations Ethics Statement and References Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Wikidata Appendix: Hyperparameter Sensitivity Abstract and Intro Abstract and Intro Related Works Related Works Data Data Method Method Analysis and Results Analysis and Results Conclusion Conclusion Limitations Limitations Ethics Statement and References Ethics Statement and References Appendix: Toxicity Measurement Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Correlation Over Time Appendix: Wikidata Appendix: Wikidata Appendix: Hyperparameter Sensitivity Appendix: Hyperparameter Sensitivity Appendix: Toxicity Measurement For toxicity measurements we use a filtering method to remove words that might lose their toxic meaning over time. We use the conservative subset from Hurtlex (Bassignana, Basile, and Patti 2018) and we include all categories off toxic words in our analysis. In Table 2 we see the words that are removed from the toxic words list. A few interesting observations are words relating to prostitution are generally removed in the early decades. This could be that while they could still have taboo, they had a big enough difference in how they relate to other words in that time that they were filtered out. Another interesting observation is that the word fascist was filtered out during the decades 1930 and 1940. This is before World War II where a lot of nationalist sentiment was becoming mainstream in the World which could also explain this change in the meaning.

A Novel Method for Analysing Racial Bias: Appendix: Toxicity Measurement

This paper is available on arxiv under CC 4.0 license.
Authors:
(1) Muhammed Yusuf Kocyigit, Boston University;
(2) Anietie Andy, University of Pennsylvania;
(3) Derry Wijaya, Boston University. Table of Links Abstract and Intro
Related Works
Data
Method
Analysis and Results
Conclusion
Limitations
Ethics Statement and References
Appendix: Toxicity Measurement
Appendix: Correlation Over Time
Appendix: Wikidata
Appendix: Hyperparameter Sensitivity Appendix: Hyperparameter Sensitivity We conduct our experiments with an array of hyperparameters to observe the effects of the sampling size and the negative sampling ration and observe that the results are relatively stable. Below are the results for k=[500K, 1M] and n=[1,4,10,20] This paper is available on arxiv under CC 4.0 license. Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. This paper is available on arxiv under CC 4.0 license. Authors: Authors: (1) Muhammed Yusuf Kocyigit, Boston University; (2) Anietie Andy, University of Pennsylvania; (3) Derry Wijaya, Boston University. Table of Links Abstract and Intro Related Works Data Method Analysis and Results Conclusion Limitations Ethics Statement and References Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Wikidata Appendix: Hyperparameter Sensitivity Abstract and Intro Abstract and Intro Related Works Related Works Data Data Method Method Analysis and Results Analysis and Results Conclusion Conclusion Limitations Limitations Ethics Statement and References Ethics Statement and References Appendix: Toxicity Measurement Appendix: Toxicity Measurement Appendix: Correlation Over Time Appendix: Correlation Over Time Appendix: Wikidata Appendix: Wikidata Appendix: Hyperparameter Sensitivity Appendix: Hyperparameter Sensitivity Appendix: Hyperparameter Sensitivity We conduct our experiments with an array of hyperparameters to observe the effects of the sampling size and the negative sampling ration and observe that the results are relatively stable. Below are the results for k=[500K, 1M] and n=[1,4,10,20]

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