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All you need to know about Tokenization in Ecommerce

By Dr.Amrita Basu(MBBS,MS) on September 28, 2022 28

During festive seasons like Durga Pujo and Diwali in India, shopping offline gets crazy. That’s why e-commerce giants are making our life easier when it comes to shopping.

Estimated reading time: 3 minutes

Now with RBI’s guidelines for making tokenization mandatory by 30th September, you may be wondering what will happen. Don’t worry our favorite online e-commerce stores like Amazon, are ready with tokenization.

You can carry on with seamless transactions while being sure your data is safe.

What exactly is tokenization and why should you care?

Tokenization is as simple as buying a token for your metro rail daily ride. You give money to buy x number of rides from point A to B. All the data is encrypted in the token you get from the metro.

In the digital world, it’s like your online payment data gets transferred or encrypted to a string of random numbers that do not correlate with your actual payment data.

Does Tokenization prevent Data theft?

Most e-commerce platforms pay huge sums to keep their customer data safe. But digital theft is a reality. With tokenization, if the data is compromised somehow, despite best efforts, the stolen data is useless.Even if someone manages to steal data from your digital wallet or e-commerce store account, the data will be a string of random numbers or the token which keeps your money safe. The tokens when they pass through various systems to process the payment act as the agent for your payment details like card number, and expiry date without the payment details being visible. Just like OTP, tokenization is a good initiative to have another additional layer of safety for payment data

Nowadays going digital is not a choice, it’s a mandatory payment option even for retail stores.

When you have e-commerce giants ready with tokenization you can now shop for your loved ones without worry. The best part is that each e-commerce store will generate a different token for the same card information.

What happens if there’s a data breach?

If any data breach occurs, the tokens are automatically canceled without your card data being revealed. That way you don’t have to get a replacement card for a data breach at the retailer’s end.

RBI now makes the banks issuing the cards responsible for keeping card information safe through the tokenization mandate that comes into effect from Oct 1, 2022.

When you pick the ‘pay with a card’ option for any e-commerce platform or wallet, it prompted you to pick a bank. It’s at that time when the card information is inserted, a token is generated which is then used by the merchant to process payment. In this way, the e-commerce site or digital wallet never has your sensitive data stored in their system.

E-commerce platforms like Amazon are ready in time to help you shop safer with tokenization in place. They have embraced tokenization fully, with a majority of their customers tokenized. Tokenization in the industry is good for the transaction ecosystem and the customers as it adds security and safety to every transaction they make online. However, the fact remains that smaller merchants are still not ready completely in terms of infrastructure. More time for readiness across the industry is needed so that there are no disruptions.

This is a sponsored post. Kindly read my full disclosure here.

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Education for All

By Dr.Amrita Basu(MBBS,MS) on September 13, 2022 2

I have always wanted to create an education hub for primary and secondary education, including vocational PLUS entrepreneurship skills.

Which would be accessible across India. The model would be a freemium model giving access to everyone

That way, we can help educate everyone. The only thing that’s needed is access to the internet and a digital screen.

For backward areas, the schools can have big projectors set up for different classes and everyone across the globe can access education. A basic right.

I had access to excellent teachers and I value their wisdom. I am a medical teacher. I understand the need for personal care. But if it’s a choice between education, yes or no. Then we have to do what we can with what we have.

Because education is freedom and once you know it, you will do your best to get it.

India’s Nalanda University was once the educational hub of the world. It’s time to do it again.

Because the future is yours if you are ready to learn.

I shared this for the #solsticechallenge by Pepper content. Can you share what each of us can do to make this possible?

10 Mistakes to Avoid as a New Blogger

By Dr.Amrita Basu(MBBS,MS) on September 5, 2022 2

I was lucky when I started blogging. I had a blogging angel called AmyLynnAndrews.

From her blog, I learned about many aspects of blogging and about Pat Flynn, Neil Patel, Brian Dean.

That led me to find virtual blogging mentors who earned money online as a business. I understood that in blogging, just like in life, a relevant source of help and looking for the authority of the person sharing the information is crucial.

Number one mistake to avoid:

To avoid following the advice of every W, Y, Z.Check the real life credentials of the people you follow.

Number two mistake to avoid:

Telling people it’s just a hobby. Because honestly, that devalues all your hard work. It may be part-time but, it’s meaningful, and that’s why you do it. Not remembering that the free blog is not really free. You pay for internet and with your time. You can’t earn more time, so spend time with care.

Number three mistake to avoid:

Not being a part of Blogchatter. I started blogging in 2014. Blogchatter was not yet in the blogging scene. I remember how bored I was feeling when I thought I was blogging in a vacuum. The rest, as they say, is history. I made all my bloggers or writer friends with Blogchatter.

Number 4 mistake to avoid

Focusing only on technical stuff and not on the storytelling.

Number 5 mistake to avoid

Focusing on the storytelling and skipping SEO.

Number 6 mistake to avoid:

Not thinking about the blog as part of your brand .

Number 7 mistake to avoid

Sharing advice about topics involving YMYL(your money your life topics) with no authority or expertise. It can harm your blog if Google finds your content copycat, controversial and not according to proven data. An opinion post on these topics works as long as you steer clear of misleading people. Trust lost is forever.

Number 8 mistake to avoid

Forgetting you can’t fake it forever. Authenticity is crucial.

Number 9 mistake to avoid

Forgetting about 99% hard work when it comes to success. Hardwork is the key to success.

Number 10 mistake to avoid

Not having fun blogging. Because when you stop having fun, it becomes difficult.

The best thing I did with my smartphone is start a blog.The next best thing was to become a part of Blogchatter and the third thing was when I wrote and published my books.

Do what your heart desires, which also lets you earn money and you will stay happy and healthy and

If you want to know all about what I use on my blog, read this free resource.

If you want to deep dive, read this book.

Is this all ?Not really.There may be more mistakes I am making now ,but you can only connect the dots looking back(Steve Jobs quote) ,right?I don’t know it all,buy its been 8eigj

Blogging Mindset A to Z

A for Authenticity

B for Beauty of Blogging (hint it’s the straight from the heart part)

Creativity and community communication

D Doing the work

E Expertise or the lack of it

F Focus and flow

G Gratitude for the opportunity the internet gives us.

H Happy to be a blogger

I Independence from gatekeepers of writing

J Jack of all trades, master of none, but still better than master of one.

K KDP publishing as a part of the writing ecosystem

L Letting go of perfectionism

M Making money

N Near sighted behavior

O Opportunity follows when hardwork shows.

P Power of your positivity

Q Quest of a blogger

R Rainmaker

S SEO is misunderstood

T Trustworthiness

U Unique

V Virtue

W Winning mindset

X Xrated doesn’t work in the long run

Y Say Yes carefully

Z Zap your ego.

This is part of #Blogchatterbloghop

A Room of One’s Own

By Dr.Amrita Basu(MBBS,MS) on August 30, 2022 0

A Room of ones Own is a book by Virginia Woolf. A book you must read. But before I talk about the book, a little backstory about why I picked up this book for my TBR.

We live in a rented apartment in a small town. It’s two bhk with a big living-dining space.

We are living here for the last 10 years and the USP of the flat is it has 3 balconies. One moderate-sized, two small ones.

The balconies make a plant lover like me thrilled. Now the problem comes when I must sit down and write. My daughter and I share the room for studying and work stuff. Plus all our art supplies and her toys.

One day my husband declared “you two need separate art rooms”. I looked up, surprised by the book I was reading.

“What? Where did that come from?”

“Oh, your stuff seems to multiply.”

This happened after I had a serious episode of Independence Day binge shopping.I thought having your own room is going to be difficult, what with only 2 rooms in the house.

But there’s no harm in planning a corner to write, right? That’s where my foldable table comes in handy.

It’s handy, just drag it anywhere and start working. But another solution is when I use the room at different times than my daughter. That works out better. Because my daughter is a budding writer too and I wouldn’t want the lack of room to come in the way of writing. Right?

But let me come back to this book which I finished in ONE sitting.

It’s a book which will speak to the woman writer in you. But even men should read it. It’s a perspective into a writer’s world..But the title is incomplete to some extent. Because right at the beginning, we have the full sentence

“A woman must have money and a room of her own if she is to write fiction.”
Virginia Woolf |A Room of One’s Own

It’s a good thing , didn’t read this book before 2014, because that would have affected my ability to even start writing because I didn’t have a room of my own. Though I was earning.

“Fiction is like a spider’s web attached ever so lightly, perhaps, but still attached to life at all four corners.”
Virginia Woolf |A Room of One’s Own

Your fiction literally feeds off your life by default. Even when you rename people, mix up characters people know. It’s difficult to make up people’s characters and situations from thin air. That’s why how we live our lives, how we think, how we love the people we do and our relationship with money affect our thinking. It’s impossible to think about esoteric stuff before the primary needs are taken care of.

My grandmother (paternal) worked at an office. My mom, and maternal aunts, were all professionals. They struggled to manage the home, office, and child care because society is unkind to all those who strive for independence. But they didn’t give up and because of that, we do what we do today.

Who is this book for?

Any woman, a girl who wants to write and earn, must read this book. It’s timeless because it makes us reflect on how far we have come.

It’s outstanding how women all over the world think similar things, even when separated by time and geography. Some things seem to have a life of their own.

Grab this book today.

Read all about my favourite books here.

My Favorite Charachter

By Dr.Amrita Basu(MBBS,MS) on August 14, 2022 2

If you could change into your favorite character, which would be it?

I thought hard, and I came up with three!

Hermione Granger
Feluda
Mr. Hercule Poirot

Yes, that’s it. I wouldn’t mind a combination of all three brains. But I would prefer to be a woman. When Blogchatter gives us such fun assignments, I can’t write about it and so here it goes.

Hermione Granger

I assume you know Hermione. For the uninitiated. She is born to a regular human (muggle parents) Is a super smart girl born with magic and is one of Harry Potter’s besties. Hermione helps Harry save the world from Voldemort. She is married to Ronald Weasley and makes magic look cool. I especially like her handbag which has endless space and looks perfectly moderate-sized from the outside. Her ability to do her work despite external chaos. Plus, her tremendous zeal to learn and find answers in libraries. I am not Superwoman material. Though I wish I was. I get allergies and I cry easily. But I could work at being magical easily, given the chance.

For those who don’t know ,Hermione is a character in the Harry Potter series written by J. K. Rowling.

Feluda

Satyajit Ray created this iconic character. His name is Pradosh Chandra Mitra, who, together with his friend Lal Mohan Ganguli and cousin brother Topshe or Tapesh Ranjan, solved many a crime while traveling all over India.

Feluda inspires my Krishna Mishra series. He makes solving crime look like a doable profession while he explores his love for reading and traveling. He keeps a good relationship with people and here too you will find his love of reading and books playing a big part. His friend Lal Mohan Ganguli is a successful writer and writes mysteries too!

What’s not to like about Feluda? His quick thinking. His agile mind, ability to remember and recollect crucial information, and insight into human nature, make him invincible. After Soumitra Chatterjee, anybody who portrays Feluda falls short. Because he was good-looking, tall, looked intelligent, and radiated a level of confidence, which is hard to project if you aren’t confident in real life. After watching several Feluda movies over the years, I am resigned to the fact that there will be no one quite good enough on screen, so I can be Feluda in my imagination, right?

But on another note, I think Anirban of Gumnami Baba fame might do an excellent job of Feluda. His height, voice, and physicality could work. Plus he is a great actor. Much needed if we want to stop destroying the Feluda stories.

Hercule Poirot

Third on the list is Hercule Poirot. He may be third on this list but is easily my favorite sleuth ever. Though Poirot never does too much of the physical detecting part, I love how he uses his ‘little grey cells to unravel mysteries that look impossible at the first glance. I never tire of reading and rereading his books and if you are a mystery lover and haven’t yet read Hercule Poirot, I must insist you make up for lost time right away!

Just like what we eat is important for our body and mind. What we read, see, feel, and hear are important for our mind and soul. Growing up and sustaining myself on a diet of good mysteries and adventures helped me become a doctor. This insatiable interest to find out the why behind diseases started early with the books where these characters lived. A big thank you to all the creators who help us find ourselves.

This is part of #BlogchatterBloghop.

This post about Greatest Challenge Peopel face today was a top post

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75 Years of Indian Independence:10 Steps Towards True Freedom

By Dr.Amrita Basu(MBBS,MS) on August 13, 2022 0

Towards true freedom. That is something we can all strive for and work towards.

But for that, we must acknowledge that right for everyone.

India is a 75-year-old democracy now. One of the largest and now gives women more rights than America, with its back-to-middle-ages laws on reproductive rights of women.

Do you see where I am going with this? True freedom not only means we work towards our own freedom but for others, too. But it starts with you.

Educational freedom is the right to study whatever, until whichever age, irrespective of economic status. Equal opportunity for all to upskill in all vocational subjects. Entrepreneurship training and opportunity to make Indians and India truly financially free.

Towards True Freedom #HarGharTiranga

Promoting good health in what we produce, package, sell and eat is the best thing to do if you want to be free of preventable causes of poor health.

Towrads freedom — *75 Years of Indian Independence*

10 Steps for True Freedom

True freedom means freedom from cowardice. To have the freedom to stand up for truth.

Freedom from laziness.

Freedom from a glass-half-full mentality.

Freedom from negativity towards self and nation (doesn’t mean we stop constructive criticism).

Freedom to work and earn with dignity.

Freedom to be a lifelong learner.

Freedom from addiction and the companies and people who grow richer from others’ misfortune.

Freedom from prejudice.

Freedom from corruption.

Freedom from internal demons and those who want to destroy our country.

Quality education, supporting skills, and good physical, mental and social health will make India truly free. Because together we are stronger.

Free mein Roti, kapda aur makan zyada din chaltah nahin. It’s not sustainable. There is a need to help people ‘learn to give‘ once they are out of the struggle zone. Accountability and giving back will help us grow.

What we need is a way to learn to make the roti, kapda and makan. Freedom to choose, act and live with love in our hearts, hope in our minds, and a smile on our faces. Because true freedom brings enormous responsibility. Just like Amrit was impossible without the poison. True Freedom is impossible without each of us doing our part.

Let’s do this. One step at a time. Each day we live should be towards that goal.

The ‘Har Ghar Tiranga’ campaign is a part of Azadi Ka Amrit Mahotsav by the Government of India to encourage Indians to bring the Indian flag home and hoist it. Don’t forget to do that.

This is part of Unlu’s #shaameazaadi

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All you need to know about Tokenization in Ecommerce

What exactly is tokenization and why should you care?

Does Tokenization prevent Data theft?

What happens if there’s a data breach?

Education for All

10 Mistakes to Avoid as a New Blogger

Number one mistake to avoid:

Number two mistake to avoid:

Number three mistake to avoid:

Number 4 mistake to avoid

Number 5 mistake to avoid

Number 6 mistake to avoid:

Number 7 mistake to avoid

Number 8 mistake to avoid

Number 9 mistake to avoid

Number 10 mistake to avoid

Blogging Mindset A to Z

A Room of One’s Own

Who is this book for?

My Favorite Charachter

Hermione Granger

Feluda

Hercule Poirot

75 Years of Indian Independence:10 Steps Towards True Freedom

10 Steps for True Freedom

Podcasts by Dr.Amrita Basu

Vishakha Talreja

Roshan Radhakrishnan

Blog

What exactly is tokenization and why should you care?

Does Tokenization prevent Data theft?

What happens if there’s a data breach?

Sharing is good Karma!

Sharing is good Karma!

Number one mistake to avoid:

Number two mistake to avoid:

Number three mistake to avoid:

Number 4 mistake to avoid

Number 5 mistake to avoid

Number 6 mistake to avoid:

Number 7 mistake to avoid

Number 8 mistake to avoid

Number 9 mistake to avoid

Number 10 mistake to avoid

Blogging Mindset A to Z

Sharing is good Karma!

Who is this book for?

Sharing is good Karma!

Hermione Granger

Feluda

Hercule Poirot

Sharing is good Karma!

10 Steps for True Freedom

Sharing is good Karma!

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