Read companion article here: https://sknexus.com/progressive-vs-disruptive-tech/

Further learning and references

• https://sknexus.com/tag/tech-blog/

• https://www.britishcouncil.pk/library/digital-library

• How the Internet of Things will explode in 5-10 years

• IoT Devices - ARM

• What Are Self-Driving Cars? The Technology Explained

• The path to Autonomous Driving

• Understanding Blockchain Technology

• Web3 and NFTs Explained

• NFTs, explained

• Blockchain, explained

• What Is a Transformer Model?

• How Big Tech Coopts Disruption–and What to Do About It

• Coopting Disruption - Stanford

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Further learning and references
12 reasons Pakistanis avoid buying things online — and how that can change

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• ARM vs x86: What's the difference?

• Arm vs x86: Instruction sets, architecture, and all key differences explained

• ARM vs. x86: Differences & similarities of both architectures

• What is an ARM processor?

• WHY X86 NEEDS TO DIE

• Why x86 Doesn’t Need to Die

• An AnandTech Interview with Jim Keller: 'The Laziest Person at Tesla'

• Nvidia and AMD plan to launch Arm PC chips as soon as 2025, Reuters reports

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Support the show: https://support.sknexus.com/
Read companion article here: https://sknexus.com/apple-intelligience-for-the-average-person/

Further learning and references
Apple Intelligence

• Apple Intelligence: every new AI feature coming to the iPhone and Mac

• Apple Intelligence is the company’s new generative AI offering

• Everything to know about Apple's AI features coming to iPhones, Macs, and iPads

• Introducing Apple Intelligence, the personal intelligence system

• Apple is putting ChatGPT in Siri for free later this year

• Apple's AI for iPhone Just Showed Google How It's Done

Private Cloud Compute, Privacy & Security concerns

• Apple is promising personalized AI in a private cloud. Here’s how that will work.

• Private Cloud Compute: A new frontier for AI privacy in the cloud

• Apple is building a high-security OS to run its AI data centers - here's what we know so far

• A cryptographer’s look of the Apple Intelligence

• WWDC: Apple’s Private Cloud Compute is what all cloud services should be

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The recent developments surrounding Sadapay being acquired, coupled with other industry advancements, have compelled me to highlight a crucial issue: the role tech enthusiasts play in shaping the future of fintech.

In this episode, we'll explore ways to collectively improve the future of technology and ensure its positive impact on our world.
Hosted by Saqib Tahir
Support the show: https://support.sknexus.com/

Chapters
0:00 - TMF 018 - SadaPay No More Sadda Pay - The Fintech Landscape in Pakistan
2:28 - Intro to Today's Topic
2:56 - News of SadaPay getting acquired by Papara
5:26 - Banking situation in Pakistan
7:18 - Introduction to EMI - Electronic Money Institution Style banking in Pakistan
9:42 - Why SadaPay and NayaPay succeeded
11:11 - The hypocrisy of us Tech Enthusiasts
14:15 - Why we need to support startups
16:00 - What is TAM? Total Addressable Market
17:08 - Intro to BaaS - Banking as a service
18:28 - Why we need to digitize financially
20:52 - After show: My financial setup and launch of a new podcast

Following are references for you to read
https://www.sbp.org.pk/dfs/Fintech.html
https://www.sbp.org.pk/ps/EMI.htm
https://www.sbp.org.pk/ps/PDF/List-of-EMIs.pdf
https://sadapay.pk/blogs/sadapayxpapara
https://www.neem.io/

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• Unmasking Pig-Butchering Scams And Protecting Your Financial Future

• Pig butchering scams, how they work and how to avoid them

• Hacker Lexicon: What Is a Pig Butchering Scam?

Past Pakistani Crypto Scams:

• FIA issues notice to crypto exchange Binance in multi-million dollar scam

• Pakistan’s Investigation Agency Contacts Binance About $100M Scam

• FIA chief orders arrest of culprits in crypto scam

Support the show

Further Reading – Pig Butchering Scam

In this digital age, where we basically have our lives’ work in the form of digits it’s imperative that we know how to keep it secure because something as simple as a ‘Hi’ message can cost you literally your fortune.

In essence, a pig butchering scam refers to an organised network of scammers trying to convince a victim through different social channels to invest in some legit-looking investment schemes with made up profit promises. The scam develops by luring them into seemingly profitable investment ventures normally crypto, building up trust and then metaphorically butchering the “pigs” (victims in this case) after they’ve invested a significant sum of their money.

Generally such a scam is divided into three major stages:
The Promise – The scammer approaches the victim through some sms or social text-channel trying to strike up a conversation through some unrelated starting point. Once the victim responds, the scammer tries to make up a fake identity convincing the victim of his seemingly successful investment in usually a cryptocurrency venture.

The Trust – Slowly working on the new-made relationship, the scammer shows some made up screenshots to entice the victim to follow him in the investing gig. This goes on with the scammer providing victim access to apps created by scammer networks just to fool victims. These apps look similar to popular crypto trading apps but are made by scammers purposely to confuse the victims.

The Cut – Once the scammer has established such an element of trust that motivates the victim to invest their money in this seemingly legit investment portfolio, comes the cut where the scammer disconnects from every point of contact, shuts down the investment site or app and runs away with the money.

Our Recommendations:

Here’s what the average bashir could do to not to end up like the ‘pigs’

• Be doubtful of random strangers trying to strike up a conversation with you. Don’t accept random chat invite links especially from people you don’t know because that’s where most of the scams emerge from.

• Research upon the investment firm before ever making any investment. Make sure to verify the legitimacy of the firm you’re giving your money to with government regulating agencies. If there’s ever some confusion of doubt just don’t proceed!

• Be sceptical of high value returns on small term investments. Most of them don’t work in the real world. Understand that there is no easy money!

• Regularly check if personally identifiable information like your phone numbers, email, addresses have ever been leaked in some data breach. Several trusted sites offer such lookup services. Be mindful of who you’re sharing such information with.

As always –
Thank you for listening, please send any questions or feedback to podcast@sknexus.com

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As always -
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Hosted by Saqib Tahir
Support the show: https://support.sknexus.com/

Main Topic Highlights:
A study by the European Union showed that four out of five influencers don’t bother to disclose sponsorships though required by EU law. The screening was conducted on posts on platforms like Youtube, Facebook, Twitter, Snapchat and Twitch. The study concluded that out of the 576 influencers only 20% indicated the advertisements. The study also found that about a fifth of the influencers promoted activities like crypto trading, alcoholic beverages and gambling to name a few.

Most influencers fail to admit to advertising, EU study shows
An alarming 80% of influencers aren't disclosing sponcon, per new report
80% of Influencers Have Secret Sponsors - WAN Show February 16, 2024

Following are references for you to read:
Apple Fined $2 Billion as Europe Sides With Spotify
Epic Games just got unbanned by Apple — again
Epic celebrates 'a big win' as Apple reverses course
Google apologizes for ‘missing the mark’ after Gemini generated racially diverse Nazis
Google’s Woke Image Generator shows limitations for AI
No, Google is not closing down Gmail — it's a hoax
Google denies Gmail is shutting down after viral hoax
New ThinkPad T laptops get more repairable with help from iFixit
Lenovo ThinkPad T16 Gen 3 announced before Q2 2024 release with return to more modular and repairable design
Ridge CEO’s tweet
Marques Brownlee adds a corporate gig to his résumé at accessories company Ridge

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Thank you for listening, please send any questions or feedback to podcast@sknexus.com
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Hosted by Saqib Tahir

Support the show: https://support.sknexus.com/

Main Topic Highlights:
OpenAI introduces Sora, its text-to-video AI model
OpenAI teases an amazing new generative video model called Sora
Realism of OpenAI’s Sora video generator raises security concerns
App link: https://openai.com/sora
Dead Internet theory

"This could be the 'holy shit' moment of AI,"Tom Warren of The Verge

Following are references for you to read:|
Turkish fintech unicorn Papara set to acquire SadaPay in possible
Framework Laptop 16: our exclusive hands-on
Framework Laptop 16 Review
Review: Framework’s Laptop 16 is unique, laudable, fascinating, and flawed
WhatsApp will soon let you chat with other messaging apps – here's how the company says it'll work
WhatsApp Chats Will Soon Work With Other Encrypted Messaging Apps
Our unbiased take on Mark Zuckerberg’s biased Apple Vision Pro review
After trying the Vision Pro, Mark Zuckerberg says Quest 3 ‘is the better product, period’

“I don’t just think that Quest is the better value, I think Quest is the better product, period.” - Mark Zuckerberg
Samsung in Pakistan
Samsung Galaxy S24 Ultra, S24+ and S24 hands-on review
Samsung’s fancy new Galaxy AI features might not be free forever

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Thank you for listening, please send any questions or feedback to podcast@sknexus.com
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Hosted by Saqib Tahir

Support the show: https://support.sknexus.com/

Main Topic Highlights:

Apple Vision Pro reviews are in.

Spec highlights:
- Apple M2 chip for OS and graphical processing
- Apple R1 chip for camera, sensors, and microphones processing
- Per eye 4k display - 3-4 feet focus distance
- Spatial audio system
- 3D cameras
- 2-3 hours of battery life
- Optic ID iris scanning
- More than a dozen camera and sensors
- 3,500 USD starting price

Following are references for you to read:
Apple Vision Pro review: magic, until it’s not
Apple Vision Pro Review: A Mind-Blowing Look at an Unfinished Future
Apple fans are starting to return their Vision Pros
Apple’s website stating out of USA terms - Read FAQs bottom of page

Important PSA for Pakistani audiences with a hole burning in their pocket willing to buy Apple Vision Pro is in the episode. Please listen through to be aware of the caveats of being a Pakistani Apple Vision Pro owner - timestamp 15:15

Google’s AI now goes by a new name: Gemini
The 25million USD$ deepfake scam
Feds Want to Ban the World’s Cutest Hacking Device. Experts Say It's a ‘Scapegoat’
The Canadian government wants to ban Flipper Zero-type hacker tools to combat car theft
Florida lawmakers vote to restrict children's access to social media
As B2B startups shut shop or scale down, Bazaar too struggles to tide over current crisis

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Support the show

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• Apple Event Press Release

• Google sets return to the office for April with majority of work in-person

• Musk and Biden Twitter feud 

• Man given genetically modified pig heart dies

• Azure may have finally toppled AWS in the global cloud battle

• Amazon announces 20-for-1 stock split, $10 billion buyback

• Startup NayaPay Raises Pakistan’s Biggest Fintech Funding Round

• Pakistan’s IT companies, freelancers get complete tax waiver

• NVIDIA DLSS Source Code Leaked

• Lapsus$ strikes again, this time Samsung

• Dev corrupts NPM libs 'colors' and 'faker' breaking thousands of apps

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• Apple, Nike and Google join brands limiting services in Russia 

  • https://www.bbc.com/news/technology-60579641 

• Reddit bans links to Russian state media across the entire site

  • https://www.engadget.com/reddit-restricts-russia-state-media-rt-sputnik-173155541.html

• CD Projekt Red will no longer sell games in Russia and Belarus

  • https://www.engadget.com/cd-projekt-red-russia-belarus-ukraine-cyberpunk-2077-151853498.html

• Netflix Has Defied the Russian Government, for Now

  • https://www.wired.com/story/netflix-russia-ukraine/

• Wikimedia says it ‘will not back down’ after Russia threatens Wikipedia block

  • https://www.theverge.com/2022/3/3/22960007/russia-wikipedia-wikimedia-foundation-censorship-demand

• The world’s largest airline ticket-booking service cuts ties with Russia’s Aeroflot

  • https://www.theverge.com/2022/3/3/22959816/sabre-cuts-ties-aeroflot-russian-invasion-ukraine

• Spotify removes content from Kremlin-backed RT and Sputnik and closes Russia office

  • https://www.theverge.com/2022/3/3/22959636/spotify-removes-rt-sputnik-russia-kremlin-ukraine-conflict

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• https://www.pcmag.com/how-to/what-is-truth-social-donald-trumps-social-network-explained 

Pixel Bugs update

• https://www.androidpolice.com/google-pixel-6-bug-tracker/

Samsung is the best OS now?

• https://news.samsung.com/global/samsung-sets-the-new-standard-with-four-generations-of-os-upgrades-to-ensure-the-most-up-to-date-and-more-secure-galaxy-experience

Samsung S22 release

• https://www.theverge.com/22955139/samsung-galaxy-s22-plus-review

Facebook sees the biggest dip on the stock in All American Tech History

• https://www.bbc.com/news/business-60255088

DAO Proptech continues to grow

• https://startuppakistan.com.pk/pakistans-first-innovative-proptech-platform-expands-team/

EMPG invests in Dafterkhwan

• https://www.wamda.com/2022/02/uae-empg-invests-pakistani-daftarkhwan

Government health program that actually works

• https://www.pmhealthprogram.gov.pk/

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• PTA tax increased yet again

• PTA Rate List

• PTA fines 30 million to Jazz for poor service

• Punjab Govt instals solar plants in 528 villages 

• Teen hacks tesla

• Tesla’s ‘Full Self-Driving’ beta has an ‘assertive’ driving mode that ‘may perform rolling stops’

• Elon Musk offered teen $5K to delete Twitter tracking his private jet

• Oladoc raises $1.8m in pre-Series A funding

• Norton AntiVirus mining your PCs

• Crypto Chai Ada in London 

• Researcher claims to have found a secret intelligence agency with an apple device

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• Govt decides to ban all cryptocurrencies

• Death of blackberry

• Apple crosses 3 Trillion Usd market evaluation

• Samsung new TV remote uses radio waves from the router to stay charged

• Realme Introduces its Most Premium Flagship Realme GT 2 Pro

• Theranos CEO found guilty

• Ezwifi 6 figure pre-seed funding

• First Electronic Technology park at National Institute of Electronics 

• Study Now, Pay When You Land a Job – First Time in Pakistan

  • https://www.techjuice.pk/study-now-pay-when-you-land-a-job-first-time-in-pakistan

  • https://www.thedevnation.com/grow 

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• https://www.reuters.com/technology/lick-it-up-japan-professor-creates-tele-taste-tv-screen-2021-12-23/

• https://www.pcmag.com/news/can-smell-o-vision-save-vr?amp=true

• https://www.euronews.com/green/2020/04/30/revolutionary-new-device-simulates-the-feeling-of-touch-in-virtual-reality

e-Stamping System to be Implemented in KPK

• https://pk.mashable.com/digital-pakistan/14385/kpk-to-implement-e-stamping-system

CDA to purchase Rs6.8 million worth of drones to monitor wildlife, forests

• https://www.techjuice.pk/cda-to-purchase-drones-to-monitor-wildlife-forests/

PTA to Introduce Live Fingerprint Detection Devices for SIM Issuance

• https://techburaq.com/2021/12/27/pta-to-introduce-live-fingerprint-detection-devices-for-sim-issuance.html 

• http://kb.supremainc.com/knowledge/doku.php?id=en:tc_whitepaper_suprema_live_finger_detection

• https://link.springer.com/referenceworkentry/10.1007%2F978-0-387-73003-5_68 

OnePlus Returns? Kinda….

• https://www.yankodesign.com/2021/12/23/nothing-phone-1-breaks-the-ice-with-transparent-design-and-rear-fingerprint-sensor/

Chikoo App for retailers

• https://www.thenews.com.pk/latest/915163-brandverse-launches-chikoo-app-to-enable-retailers-to-launch-ecommerce-store-in-one-minute 

Pakistan’s Air Link announces distribution agreement with Realme

• https://www.techjuice.pk/pakistans-air-link-announces-distribution-agreement-with-realme/

Tech Ke Totkay

TikTok Enters Game Streaming and does illegal stuff

• https://www.theverge.com/2021/12/20/22847213/tiktoks-live-studio-obs-open-source-policy

• https://www.theverge.com/2021/12/16/22839213/tiktok-live-studio-desktop-live-streaming-twitch

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• https://tcrn.ch/3pdX0TL

• https://www.wsj.com/articles/tiktok-was-the-internets-most-visited-site-in-2021-even-beating-google-11640204147#:~:text=TikTok%20really%20was%20everywhere%20this,company%20that%20tracks%20internet%20traffic

Why is Pakistani innovation revolving around just food businesses

• https://www.youtube.com/watch?v=wg0J1qym3kA

• https://www.youtube.com/watch?v=UurZ22wCL9Y

• https://www.youtube.com/watch?v=zM_OvWIb0qs 

Pegasus NSO followup

Clickbait Farming and Misinformation

• https://www.technologyreview.com/2021/11/20/1039076/facebook-google-disinformation-clickbait/#:~:text=An%20MIT%20Technology%20Review%20investigation,information%20ecosystems%20around%20the%20world. 

Blind Smartphone Camera Test

Smartphone Awards by MKBHD

Qisstpay secures Non-banking finance company licence by SECP  

• https://qisstpay.com/

• https://www.phoneworld.com.pk/secp-grants-qisstpay-the-first-ever-buy-now-pay-later-license-in-pakistan/

Tech Ke Totkay:
Our first purchase due to a SK NEXUS supporter
ENRG Condenser Microphone Kit Adjustable Mic Suspension Scissor Arm, Shock Mount and Double-Layer Pop Filter for Studio Recording & Broadcasting Live steaming Gaming - Black

• https://bit.ly/3z292mo

How does naming convention screw up buying decisions

Hdmi 2.0 naming mess

• https://www.theverge.com/2021/12/13/22833233/hdmi-2-1-fake-marketing-brand-frl-vrr-allm-bandwidth

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• Starlink Coming to Pakistan

• Tribune Article for Jazz CEO Comments

• Gaming on STARLINK!!

• Log4J Flaw - Everything is hacked (Apple, Amazon, Cloudflare, Steam, Tesla, Twitter, Baidu)

• Kronos Ransomware Attack

• More References

• Even More References

• Is Log4J/Log4Shell really that bad?

• Minecraft Discovery

• Pinterest buys Vochi

• Apple Making a New Android App - Tracker Detect to stop AirTag stalkers

• App Download Link

• Jetson 1 Personal Aerial Vehicle

• Wipers are hard

• KraveMart 

• Debt collectors can now text, email and DM you on social media

Tech Ke Totkay

• Snapdragon 8 Gen 1 overheats in the Moto Edge X30

• OnePlus Finally pushes Color OS and it is bad

• And More Bugs

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• WhatsApp updates Disappearing Messages feature, lets users auto-delete messages by default

• AWS Server is down again

• Uber brings Audio Recording and other safety features to the US

• Lahore smart trees

• Pollution-sucking ‘smart’ trees bring clean air to London and Brussels

• Windows 11 makes it easier to set defaults

• Community feedback: Enablement Drive

My experience with Windows 11 and why I switched back to Windows 11

• Slower animations for common interactions

• Multitasking issues with no support for separated window tabs

• Rearranging the taskbar is not possible anymore

• The start menu is not custom and can’t group apps

• Extra steps for settings

• Control panel still exists, settings like mouse speed and mic settings are harder to access

• Game slowdowns with my existing installs

Chapters:
00:00 Intro
01:03 WhatsApp introduces its new disappearing messages feature   
03:40 Importance of WhatsApp for local businesses
06:46 Cons of the WhatsApp disappearing messages feature
09:50 WhatsApp end-to-end encryption
13:10 Amazon Web Services suffers an outage affecting platforms like Netflix
15:50 Google Playstore not working due to AWS downtime
17:40 Ubers introduces audio recording and ride check updates  
24:52 Tech Made Fun Podcast feedback rundown
27:43 Smart Trees in Lahore to control increasing pollution
29:10 The biggest challenge with smart trees implementation: Feasibility
32:50 Issues with plastic-free initiatives in Pakistan
37:44 Why Windows 11 has a bad user experience
43:25 Bad news for Google Chrome users who wish to switch to Windows 11
46:05 SK NEXUS Enablement Drive

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• Jack Dorsey stepping down as Twitter CEO

• Samsung kills the Note line

• Apple sues NSO Group for attacking iPhones with Pegasus spyware

• Pakistan to launch E-passport next year

• Benefits of an E-passport 

• New Snapdragon Processors - Qualcomm’s Snapdragon 8 Gen 1

Chapters:
00:00 Intro
00:45 Parag Agarwal replaces Jack Dorsey to become the new CEO of Twitter
02:11 Which tech giants are being run by Indian CEOs?
03:40 Why did Jack Dorsey step down?
07:10 How have Indians managed to dominate the Tech sector
22:02 Samsung puts an end to its Galaxy Note series
23:02 Why did Samsung end its Note series and how folding phones will replace this series?
28:28 What is a zero click spyware and is it affecting iPhone users
30:17 Is iOS less safe in comparison to Android?
33:13 e-Passport to be launched in Pakistan next year
34:30 The problems with e-Banking in Pakistan
42:10 Will e-Passports help reduce identity theft and solve other problems?
46:45 Qualcomm launches its new Snapdragon processor
48:15 How does reducing the nm (nanometre) transistor size of the chip affect performance?

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