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Will accountants be replaced by AI in the next 20 years?

The following answer is my opinion.Accounting and Auditung jobs will keep on existing for thr next 2-3-4 decades but only at the higher level. For chartered Accountants and certified public accountants who do the work of interpreting frequently changing complex statutes, figure in a 3d picture of the business into their work and take professional judgement based decisions that an algorithm simply cannot.However jobs for simple bachelor or even a master degree candidate will drastically reduce especially in larger cos that can afford these expensive softwares.Monotonous jobs like data entry, Bank reconciliation, accounts payable verification, etc will be automated and infact are on the brink of automation.There was a time when CAs would spend days reconciling bank statements with the books because it was full or errors. But now with ERP systems BRS is done by an graduate within hours.All in all the job profiles will evolve and change but wont totally disappear. This is true not only for accountants but for ALL professions.Surgeons will no longer have to make diagnosis themselves but will have to supervise diagnostics done by AI. Routine surgeries will be performed by AI and doctors will only be on standby incase something goes wrong.This doesn't dispense the need for doctors in hospitals or even in the OT. It just makes the process more accurate and efficient. However the doctor will have to have the additional skill of understanding and operating the robot. ThThat'a new skill he will need to learn.Pilots used to really fly planes 20 years ago but in the last decade the process of flying gas become automated.Pilots now only take off and land and even that will be automated but the pilots will still be in the cockpit incase something goes wrong. But now the pilot needs to know how the autopilot works. Because his job is no longer to fly the plane but primarily to supervise the autopilot and handle emergencies.You may think that software engineers have it easy with this being their era but NO. Their skill sets become obsolete the fastest. 10 years ago java was it. It was hot. Everybody was doing it. Today……not so much. Even c++ is losing it. What's hot now? Python, R. 10 years later these will be replaced as well. The whole scenario of the computing world will change with cloud computing, big data analysis. In order to keep yourself relevant, in other words to keep your job you have to predict which skills will be in demand and upgrade yourself while you have time.What's changed the most in the last 10 years? 10 years ago you could leave college , paddy CA and you'd never have to study a full course again. Today the day you pass CA or leave college you have to engage yourself with something new. Life will be a constant study of new things.I hate it. But that's life. unfair.

What is blockchain technology in the banking sector?

The Prime Minister of India Narendra Modi in an unscheduled live televised address at 20:15 IST on 8 November, 2016 declared that use of all ₹500 and ₹1,000 banknotes would be invalid after midnight of that day, and announced the issuance of new ₹500 and ₹2,000 banknotes. the demonetisation was a move aimed at counterfeiting of the current banknotes allegedly used for funding terrorism, as well as a crackdown on black money in the country. The catastrophic event, transpired to a significant rise in the use of third – party payment portals all across the Nation, and it was believed India was moving towards a long-term goal of cashless economy. PayTm became an overnight success. Indian Commerce would mainly be based on the Internet until the ‘Cash – Crunch’ was eased, this meant relying almost exclusively on financial institutions serving as trusted third parties to process electronic payments. While the system works well enough for most transactions, it still suffers from the inherent weaknesses of the trust based model. Completely non-reversible transactions are not really possible, since financial institutions cannot avoid mediating disputes. The cost of mediation increases transaction costs, limiting the minimum practical transaction size and cutting off the possibility for small casual transactions, and there is a broader cost in the loss of ability to make non-reversible payments for non-reversible services. With the possibility of reversal, the need for trust spreads. Merchants must be wary of their customers, hassling them for more information than they would otherwise need. A certain percentage of fraud is accepted as unavoidable. These costs and payment uncertainties can be avoided in person by using physical currency, but no mechanism exists to make payments over a communications channel without a trusted party. For the first time in India there was a need of an electronic payment system based on cryptographic proof instead of trust, allowing any two willing parties to transact directly with each other without the need for a trusted third party. Transactions that are computationally impractical to reverse would protect sellers from fraud, and routine escrow mechanisms could easily be implemented to protect buyers.The solution to all these problems, has been out there for the past 5 years but never before there has been a genuine need to look at it as a substitute to third – party payments. The solution is named ‘BLOCKCHAIN ‘. It is not a methodology but a technology and that makes it more vital, since there are numerous possibilities associated with technology. A blockchain is a public ledger of all bitcoin transactions that have ever been executed. A block is the “current” part of a blockchain which records some or all of the recent transactions, and once completed, goes into the blockchain as permanent database. Each time a block gets completed, a new block is generated. Blocks are linked to each other (like a chain) in proper linear, chronological order with every block containing a hash of the previous block. To use conventional banking as an analogy, the blockchain is like a full history of banking transactions. Bitcoin transactions are entered chronologically in a blockchain just the way bank transactions are. Meanwhile, blocks, are like individual bank statements. The full copy of the blockchain has records of every bitcoin transaction ever executed. It can thus provide insight about facts like how much value belonged to a particular address at any point in the past. Some developers have begun looking at the creation of other different blockchains as they do not believe on depending on a single blockchain. Parallel blockchains and sidechains allow for trade-offs and improved scalability using alternative, completely independent blockchains, thus, allowing for more innovation. In simple terms consider blockchain technology like Google Sheets, you record every change in a shared spreadsheet, allowing transactions to be verified against the record at any time.From a financial industry perspective blockchain promises a massive disruption to the world of back office systems and ledgers. The enthusiasm in the banks is palpable; the technology offers a potential to eliminate as much as $20 billion of costs from the financial sector. Fintech saw this huge potential in blockchain, in its developing stages. Fintech start-ups for long has been attacking narrow areas of finance and are trying to replace core bank functions like credit and payments with new capabilities but fintech is a diverse population without one company being pointed to as a game-changer. That prompts the question: Where is the Uber of banking? This a question regularly asked in the innovators world of finance as Uber is the ultimate new technology unicorn. The key to answering this question is thinking about the business model of Uber, Airbnb, Facebook and the like. All of these firms are engaged in what is call infomediation: taking a marketplace of people who have something and, through software and servers, connecting them with the people who need something. The software and server becomes the intermediary for information which, in the world of the valueweb, is shortened to an infomediary. The reason for all of this excitement by Fintech for the blockchain technology is because it allows the exchange of value peer-to-peer globally, in real time, for almost free, in a trusted and secure mechanism. The blockchain allows the financial system to deliver the processing engine for value exchange. The blockchain is not the engine. It’s the technology. It is the Uber of the valueweb, or rather, the infomediation tool between those who have value and those who need it.Currently only a very small proportion of global GDP (around 0.025%, or $20 billion) is held in the blockchain, according to a survey by the World Economic Forum’s Global Agenda Council but Number of FinTech startups using blockchain platforms to power digital currencies, expand transaction security, and decentralize markets has exploded in the last few years. Germany particularly its upcoming fintech hub, Berlin is continuing to make waves in this industry. With a steadfast approach to blockchain technology that could transform the financial sector within the country, Germans seem to be optimistic when it comes to the future of the nascent fintech industry. At a recent IMF/World Bank conference hosted by the U.S. Federal Reserve, an estimated 90 central banks, including the Bank of Canada, came forward to talk about their research into and experiments with distributed ledger technology (DLT), the blockchain and digital currencies. The big Canadian banks are also members of the R3 Consortium, which is working with 50 member banks worldwide, developing a fool proof methodology and standard for blockchain technologies for banks. blockchain has got the attention of financial world was most palpable at the recently concluded Sibos Market Infrastructure Forum in Singapore. While many in the market are looking at blockchain as a long game, a recent report by Wedbush Securities estimated that 20 per cent of US GDP, which comes to roughly $3.6 trillion, is generated by industries that could be disrupted by blockchain technology. A further indicator of blockchain’s growing popularity is that Deloitte is studying blockchain systems for auditing, reconciliation and other functions. It has partnered with an Australian digital currency trade group to develop new accounting guidelines. Banks are not the only businesses that are looking at blockchain with enhanced interest. The technology and its resultant benefits have piqued the interest of people on Nasdaq and Wall Street also. To that end, Chain – a start-up funded by Citi Ventures, Visa and Nasdaq – is working on a product that will allow trading of stocks in private companies, like tech start-ups, on a new kind of blockchain. It aims to replace paper share certificates and reduce substantially the time which is spent managing the certificate process.Two of the largest multinational professional consultancy firms, Ernst & Young (EY) and Accenture, believe blockchain technology is at the forefront of innovation and mass adoption. Both EY and Accenture are hosting two separate accelerator-focused events on bolstering fintech and distributed ledger protocols, but Whether blockchain is a tyrannical technology that stifles individual thought. A report from PwC claims that 83 percent of financial services companies believe specific aspects of their businesses are at risk to various fintech start-ups, with the number of worried management-level professionals reaching 95 percent in the banking sector. While traditional financial services companies believe fintech start-ups could take hold of 23 percent of their business, the fintech companies see the possibility of taking as much as 33 percent of the business from the legacy financial system. According to the PwC report, banking and payments companies feel the largest amount of pressure from the fintech industry. Fund transfer and payment companies believe they could lose as much as 28 percent of their business to fintech start-ups over the next five years, while bankers see themselves losing 24 percent of their business. the banking and payments sectors also appear to be the most knowledgeable among the respondents when it comes to the potential of blockchain technology. The fund transfer and payments industry held the highest level of confidence in their understanding of the blockchain, with 30 percent of respondents claiming to be very familiar with the technology. Sixty percent of respondents from the banking sector said they were at least moderately familiar with the technology.A technological arms race seems to be underway between banks – currently every large bank is considering the adoption of the technology. Rival blockchain technologies undermine the technology’s core attribute i.e. system interoperability, a key to unlocking the colossal opportunity for trade, payments and settlement reconciliation to be automated securely across extensive networks without a need for centralised authority. Blockchain as a commercially viable technology remains on an unclear path. There are still questions looming around security, key management, data privacy, anti-money laundering and reporting. Given that to date most banks have been focused on PoCs, these topics have not taken centre stage but as we move out of the lab toward production they are areas that need to be fully understood by a banks CIO, CTO, head of compliance, internal audit and others from both inside and outside the bank. It is difficult to say where it is going and whether the technology will realise its full potential. However, there is no doubt it is a technology in which the financial sector needs to be a willing and long-term participant if a blockchain solution is ever to make it to fruition.

What are 10 things you should do to protect yourself from a narcissist?

This is my list. It’s very long, and several points have subpoints. I drafted most of this earlier when there weren’t any posts on the question, but didn’t get it placed until others had posted. So I may have echoed points said better by others, but I'm pretty sure that mine are at least a little bit different.I am totally open to suggestions about additions, adjustments, clarifications or revisions; just comment on the post if you have one. Also realize that I'm going to continue to work on this post for a little while and add more info, so you may want to check back in a couple of days. (I’ll remove this when I’m satisfied that it’s reasonably complete.)This is no easy question to answer because there is so much to cover and I want to get it right.1. Start creating boundaries. Don't let the narcissist/s control, comment on or watch everything you do; show them where they end and you begin. Narcissists often can't tell that you aren't just an extra appendage, like an arm, a leg, or one of those cheap plastic pick-up tools people use when they want to pick something up (but they don't want to walk across the room and get it the normal way). Creating boundaries often involves saying no to something they take for granted or stopping their inappropriate behavior. Basically, you have to make it clear that their meddling, probing and controlling is uninvited and they need to back off. You will meet resistance when you begin to build boundaries, but it's important to continue to do this even though it's difficult. I wish I could say it gets easier with time, but any challenge to their ‘rights' to you or your life (however often it is made) never really becomes less of a challenge to them. They get louder, not quieter, with your noncompliance.If you intend to leave your narcissistic abuser, you should begin to separate your belongings from theirs if possible. This is part of the process of making boundaries; a narcissist often takes the stance that what is theirs is theirs, and what is yours is theirs too. Don't let matters escalate to violence over a few possessions, but do try to reclaim any of your own items they may have ‘appropriated' over time. Narcissists have been known to steal and give away items that belong to the people who tolerate them. (They think this makes them attractive to the people that they ‘bestow’ their ill-gotten gifts upon. Unfortunately, I think it often does exactly what they want.)It is not uncommon for a narcissist to gradually assume control over their victim’s personal documents and finances, so emphasize retrieving any of your personal identity documents they may have taken or appropriated. Especially make sure that you have those needed to confirm your identity or protect your security, such as your birth certificate, ID card, driver’s license, passport, insurance information, social security number, banking information, passwords, will or trust, etc. Separating your money from theirs (like dividing shared bank accounts) is also a good idea, when possible. Don't let them give you an answer like 'I'm just keeping it for you. You're not responsible enough to keep it' concerning your papers or money.1.5 Narcissists have been known to so completely isolate their victims as to keep them as shut-ins: a private source of narcissistic supply jealously guarded from any intrusion or interference. This often begins (if a spouse or similar) with the narcissist pressuring the target to quit their job, or (if their child) by removing them from school to begin homeschooling, or to take care of a sick parent and/or assist in raising their siblings. Sometimes all of the above. Some (respective) reasons/excuses include ‘I want to make things easier for you, so why not let me provide for us and you can stay home?’, and ‘They were just too sensitive for public school,’ or ‘I just didn't like what they were teaching them there’. Watch for these warning signs when dealing with the narcissist; this indicates they are trying to tighten their grip on you. The situation resulting from these power moves is always catastrophic because the more time you spend at home, the more influence they can try to exert over you.2. When they say things that hurt you, don't take it personally. They don't ‘realize' that you are a person; they truly don't care if they cause you pain. Because of this, it makes more sense to just try to ignore their verbal and psychological abuse until you can get away from it. They really don't see the consequences of their own toxic actions, and additionally they seldom if ever apologize. Usually, when you manage to extract a formulaic apology from one it's almost always phrased like ‘I'm sorry if I offended you' or some similar statement offered like a very small consolation; and then they add their magic ‘but' on the end that somehow always means they're going to do it again soon, or they're about to show you that it was your fault all along.2.5 While you are trying to cope with all the difficulties inherent in dealing with a narcissist, you should also seek support from people you can trust. It's difficult to maintain a clear head when you're carrying this burden alone, and that's part of the danger narcissists represent. Ideally your support should come from someone/others (Family, friends or impartial third parties) who do not have regular contact with the narcissist so that there is no risk of interference from him/her. It’s important that they (your support) help you to remember that what you’re going through is wrong, and that you cannot maintain this forever; if you stay, the narcissist will suck you dry.These people will help keep you stable and grounded while you battle this unhealthy situation. It’s too difficult to maintain this balance alone when your boundaries are weakened, so you need support. Make friends and don't neglect your social life ; this is important because a narcissist’s strongest tactic is isolation. If they can separate you from others, then you will become increasingly more reliant on them for affirmation and support; this plays right into their hand. Realize that if the narcissist notices you spending more time with someone else (or otherwise away from their influences) they may become jealous and try to force you to stop contacting whoever you have established to help you.3. Don't trust them or believe the promises they make to you. They're always stringing you along, and they don't plan to keep any of their commitments in the long term (or short term), and if they do bother to follow through on something they promised, they almost invariably satisfy the least of all your requests and desires just to keep you content for a little while. In a blog article I read, this behavior was referred to as ‘future-faking’.4. Try to avoid unnecessary confrontation and interaction with the narcissist. Any disagreement is one they automatically win, because they don't let you get in a single word (offensively or defensively) and they turn all the facts against you. It is also good to avoid sharing more information with them than they need. They may try to press you for details about all the little pieces of your life (claiming that it's because they care about you), but it's not healthy to be treated that way. Make them give you some space. Every scrap of information you provide can and will be used against you at some later place and time. There are no exceptions to the policy of information collecting that narcissists employ, and you cannot opt out of it either. The most invasive of phone or computer applications will respect your privacy more than a narcissist.5. Don't self-depricate to them or act like they are superior to you, especially as a form of expressing love or admiration. They view all forms of humility as a sign of weakness to be exploited and as an invitation to build themselves up as a hero at your expense. (in fact, you shouldn't do this ever. It's just like asking people to walk all over you.)6. Ignore the ridiculous things they say and do. They often have insane expectations of you and others that cause them to become enraged when unmet. This can be maddening in and of itself, especially when you live with them and can't find a retreat from the constant stream of nonsense they're spouting. They will want you to do things the wrong way, or insist you adopt their method of doing some task. Often they will employ logical fallacies to try to make you do what they want or pressure you about it.7. Don't fall victim to the crazy-making. When they use on of these tactics, it causes a condition in their victim called ‘cognitive dissonance'. This occurs when part of you consciously knows that their behavior is wrong and harmful, but the other part of you cannot process it and so you remain under their influence. Trying to deal with that is a constant struggle if you are still in contact with them or sharing a residence, and even afterwards. Part of your plan for the future should involve some kind of therapy, so that you can heal from all this damage and reclaim the life you were always supposed to have before the narcissist hijacked it.Here are some examples of crazy-making:They gaslight, usually by telling you that something you remember isn’t true and trying to replace your memory with their warped perceptions of something that they or someone else said or did. This is a tactic used to make you doubt yourself and further isolate/alienate you from others.They triangulate by putting someone else between themselves and you to inspire chaos and disunity.When something doesn’t go according to their plan, they will try to twist the facts and make it your fault. (This might also fall qualify as gaslighting, but I feel like it’s mainly a separate issue.) They will shift the rightful blame for any and all failures off of their shoulders so that they are attributed to a nonexistent shortcoming of yours, such as having a poor memory, exhibiting stupidity and/or ignorance, or being too distracted. Anything they can't shake off of themselves and pin on someone else they will gloss over and dismiss, or ignore as if it didn't happen. You can ignore this temporarily if it concerns something small, but if it interferes with something of greater importance then you need to call them out. Present evidence if possible (though know that they won't listen). Also, make a record of what took place as soon as possible, so that you have a reminder that keeps them from ‘rewriting history in their favor.’ Realize they may try to appeal to a third party for validation at this point (under the auspices of seeking reconciliation) in hopes of turning them against you (more triangulation). They will never choose someone who would be unbiased to be in between you because every relationship they make is cultivated as a potential future resource for narcissistic supply (unless they decide someone is unmanageable, in which case they will start a slander campaign for their new scapegoat and verbally abuse them shamelessly to anyone who will listen.).8. Ignore their attempts to brainwash and/or indoctrinate you. Narcissists are drawn to positions of power and authority, so they may use religious doctrine, political views or paranoia-inducing tactics in an attempt to control you. They are also fond of suggesting that others are conspiring to do something malicious or slandering the narcissist themselves when he/she is not around. (A prime example of what someone said on one of the many Internet resources I've read: ‘Our fascinations betray us…’)They may retell whole conversations, but be assured that most of the content has been modified to suit their purposes.9. Don't supply them with the attention, validation and comfort that they crave. Every narcissist wants to be in the center of things and becomes angry or hurt when they feel slighted or ignored. They regularly employ guilt and shame to try to cause others to empathize with them because empathy (and, in fact, all forms of interaction and show of emotion) is fuel for the narcissist. Don't allow them to make you angry or upset. They usually find it unnerving (and can’t handle it) when they are throwing tantrums and you have stayed calm and kept a level head. If you don't respond to their tantrums and instead offer as little ammunition as possible by being quiet while they rage, you will have effectively disarmed them. When a person no longer responds to the narcissist efforts to engage them, this is called going ‘grey rock'. One should be careful to not adopt this tactic with everyone or for long periods of time because it can have a dissassociative effect on the person doing it. It's a short-term solution only.10. And finally: Leave. Try to leave the narcissist permanently if at all possible and go somewhere they cannot follow you. Start over fresh in life if you must by moving, changing jobs, phone number, your appearance, etc. It may take a long time to prepare to leave your narcissist. Depending on how enmeshed you have become, you may have many steps to take before you can leave. A good place to start planning would be to make a list of all the things that are important to you and form a plan to make sure you don't have to leave them behind. Another idea is to pack an emergency bag with items of importance (some toiletries, spare clothing, some emergency money) and stash it in a place where others (especially the narcissist) will not find it, but somewhere you can retrieve it quickly if something suddenly changes and you have to leave before you had planned.In particularly severe cases of marriage to an abusive narcissist (there is no other kind of narcissist), including those with children, divorce may be necessary. If you are concerned about the legal or religious implications of divorce, do some research online and/or consult a lawyer or religious leader depending on your situation. Don't just suffer because you don't know what to do; empower yourself through learning. Many people have gone before you in all these things. There are countless blogs on this subject; just search some of the many related keywords terms (Narcissist, NPD, Narcissistic abuse, gaslighting, etc.) and you will be sure to find good help.And finally, the most important point is this: If you or someone you know is being abused (whether verbally, religiously, identity, psychologically, mentally, sexually, physically or otherwise; all of it counts) -take action. Simply reporting abuse often isn't enough and may even endanger the victim further. If children are involved then you need to proceed with particular care. Ideally, if you have access to a local crisis center, seek help there if you can do so without alerting your abuser. Many crisis centers are confidential, can often assist over the phone, and can help you to know what the next logical step is in your unique situation. Don't be afraid to reach out for help; there are so many people who would be honored to help you.[still ironing out the rough spots, so please bear with me.]

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