How to Fix Telegram Not Connecting or Working on Android Devices?

It works on cloud-based features so that you can access your messages worldwide on several platforms. The messaging services are quite fast and hold strong encryption features. Telegram is ad-free and provides a quick messaging system for your android device.

Sometimes, users face various issues such as Telegram stuck while connecting or fails to load. Users face messages not delivered errors while using Telegram application on their device.

Source:- How to Fix Telegram Not Connecting or Working on Android Devices?

One who wants to troubleshoot the error of Telegram not working or fails while connecting can follow these instructions carefully:

Checking App Downtime
The first and foremost task is to check downtime related to your Telegram application as the Telegram service may be facing downtime.
The servers of this popular service are stretched all over the world, just like Google, Facebook, or Whatsapp. Users can check their downtime by various services such as Downdetector via Android application or website.
Checking for Internet Connectivity
If you are facing Telegram crashing or not working issue, one formal recommendation is checking or restarting your android device on which you wish to run Telegram. For this, it is advised to check your data connection and Wi-Fi setup and make sure that it is working properly.

In case, Wi-Fi is not working, then connect to the internet with your mobile data. After checking all the basic set up for internet connection, it is also advised to restart your device. This action can restore all your settings to the very start and helps to run your app smoothly.

Removing Cache Data
First of all, launch Phone settings on your device and hit the “Apps” section there.
Next, tap the “Manage Apps” section and then look for the Telegram option there. Once you find it, then tap it to open.
Now, hit the option “Clear Data” located at the lowermost section of your Window.
Then, choose the “Clear Cache and Clear All Data” option.
Next, log in to your Telegram account by entering necessary account credentials.
At last, check that your Telegram is properly working or not.
Providing App Permissions
Some applications need specific app permissions to run on a particular device. There might be a reason behind this error issue.

It is possible that you have given all the app permissions and activate on your device but sometimes these permissions and actions get revoked due latest update and unknown error issues. In this case, it is recommended to provide all the program permissions on which Telegram works conveniently. To do so, follow these instructions:

First and foremost, go to the Settings page.
Now, hit the section App Permissions.
Then, turn these options to On:
Contacts
Storage
Note: These two are the most important for Telegram for messaging worldwide. Deactivation of these two options will lead your Telegram to misbehave.

Uninstalling or Reinstalling Telegram
In most cases, uninstalling and then reinstalling a program can help you troubleshoot various issues as it eradicates bugs and harmful viruses. To do these two processes, pursue these steps:

In the beginning, launch Settings on your device and navigate to the installed apps list.
Then, select the Telegram option and hit the uninstall button there. It will be located on the right side of the provided listing.
Then, install the Telegram application afresh on your device.
Checking VPN, Proxy and DNS Servers
In case you are using a VPN or Proxy for internet connection, then your VPN may have expired or became corrupted. It might be a major cause of not working or connecting your Telegram services. In this case, it is advised to modify your VPN location and then check that your Telegram starts to work again.

In case you are still facing issues, then deactivate all of them and try to connect to the internet with any other Wi-Fi connections.

Automating Anti Money Laundering Checks for Clean Customer Base

The fast-growing economies in the world are under huge threats. Slovakia, Guyana, Ethiopia, Czech Republic, and many others have a high projected growth rate with respect to their economies.

It is estimated that Guyana will have a projected growth rate of about 16.3% during the period 2018-2021, the fastest growing economy in the world. In all these countries, economic conditions will continue to improve having a rising GDP level as well as foreign exchange.

However, unfortunately, there are several challenges that such economies are facing. These challenges correspond to financial crimes such as money laundering and terrorist financing

Security Challenges for Financial Industries

The Security for financial industry is always prone to severe financial challenges among which the filtration of bad actors from the legitimate financial system has always been a goal

This is the reason that regulatory authorities came up with stringent regulations across the world in which banks and financial institutions need to be vigilant in their processes.

Bad actors in the financial system perform various malevolent activities due to which regulatory authorities have made it an obligation for institutions to perform ‘due diligence’ on the customers.

Financial Technology is Helpful…How?

The world is getting digitised. From the banking industry to healthcare and travel to retail, all industries are taking advantage of technological advancements paving their way for customers dealing. Moreover, they help fight against the bad actors in the system.

Similarly, banks and financial institutions can take into account financial technology and pave the way for the Fin tech industry as well. Financial technology helps fight against the bad actors by authenticating them online just the way banks do. Keeping both technology and streamlined financial services is not a dream now.

Modern technology is capable of dealing with bad actors online. They are able to verify each on boarding customer complying with the KYC (Know Your Customer) and Anti Money Laundering Check (AML) regulations.

The money launderer finds new ways to fool the financial systems. They do so by presenting false documents and identity to conceal the bad money. These instances can be mitigated by employing strong technology that could differentiate between the spoofing elements as well as photoshopped documents.

KYC verification process involves identity verification against documents and some other attributes. Biometric technology is integrated with online banking portals to identify and verify the customers in seconds.

The technology is able to detect the spoofing elements in the picture if any and performs face verification to ensure controlled access over the confidential accounts. This helps mitigate the risks of cyberattacks in a financial system.

Anti-money Laundering Measures

As economies are expanding their scope, businesses need to implement the methods in systems that help them identify each on boarding identity to fight against money launderers.

Anti-money alluring checks are already implemented in the identity verification API integrated with the financial system. That API is powerful enough to screen each customer against updated global watchlists, sanction lists, and databases of Politically Exposed Persons (PEPs).

In this way, customer identification is done. This approach corresponds to AML procedures that financial institutions need to perform to ensure a clean customer base.

KYC Verification Process helps financial businesses to ensure security as well as online user experience. To conclude, the increasing complexity in financial systems requires vigilant measures by financial businesses to deal with bad actors.

Institutions need to comply with regulatory obligations, security issues as well as online customer experience. Financial technology can help businesses achieves all these goals simultaneously.

How to Create a Zero Based Budget

Are you able to keep track of every amount that goes in and out of your account? Do you find yourself living from paycheck to paycheck and unable to save money?

The truth is, most of us are unaware of how much we need to live comfortably each month and this could lead to stress when paying bills. To manage your money effectively, creating and sticking to a budget is essential, and a zero-based budget will help you account for every single kobo you earn or spend.

In simple terms, a zero-based budget is your income minus expenses equal to zero (i.e. I – E =0). With zero-based budgeting, you will understand how your hard-earned Naira is being spent (expenses, debt, and investments).

Creating a zero-based budget might seem tasking, however, using the right digital saving and banking tools will make the process easy to start.

How to make a zero-based budget
1. List all your income sources

When making your zero-based budget, start by adding your possible sources of income. This can include your salary, income from your side hustle, cash gifts, residual income from investments, etc. You can do this with a sheet of paper, excel spreadsheet, or online savings platforms.

2. Write down your monthly expenses

Before the month begins, write down every planned or recurring expense starting with food, utilities, shelter, and transportation. Also, include a category for miscellaneous (unplanned expenses). Don’t forget to add your periodic savings to your budget too; saving money should be a priority.

3. Compare your cash inflow and outflow

Remember the goal of a zero-based budget is to have a balance of zero at the end. If your income and expenses do not equal zero that means you will need to increase your income or reduce your expenses, or both.

The desired outcome of the zero-based budget is to have every Kobo accounted for. This does not mean you will have zero Naira in your bank account, it means that you will have zero Naira left in your budget.

If you have a ¦20,000 excess in your budget, you will need to assign it to something profitable. For example, an investment platform like OVERWOOD will help you earn compound interest on idle funds.

The biggest advantage of adopting a zero-based budget is that it gives you control over what is happening with your money. A zero-based budget will direct you on how to spend your money the right way.