“My Data Or Yours?” Unravelling Multi-Party Privacy (MPP) Among Consumers Of Digital Credit In India

In the wake of India’s unprecedented surge in digital financial services, IIIT-Bangalore and CUTS International hosted an important workshop in Bangalore to discuss the complexity of Multi-Party Privacy (MPP) within the country’s evolving digital lending sector. At this hybrid event, project findings were presented which have been conducted by the two institutions, with funding from the Centre for Effective Global Action (CEGA) at the University of California, Berkeley, USA.

The research led by Profs. Janaki Srinivasan, V. Sridhar, and T.K. Srikanth from IIIT-Bangalore, along with Amol Kulkarni and Asheef Iqubbal from CUTS, provided insights into privacy and consent challenges in digital lending. The study emphasised that while co-owned data is important for expanding access to credit, users ideally expect consent from all parties involved. However, due to practical reasons many users feel constrained by app designs that lack mechanisms for seeking permission before sharing co-owned data. The study also highlighted that Digital Lending Providers frequently use alternative data sources, such as e-commerce transactions and telecom records, to assess creditworthiness for collateral free loans and it raises multi-party privacy concerns for the consumers. Regulations addressing these concerns in digital lending are still evolving.

The workshop comes at a critical juncture in India’s digital financial expansion, particularly in digital lending. The previous financial year saw an unprecedented 154 billion transactions through the Unified Payment Interface (UPI), accounting for approximately 80% of all payments in the country. Building on this success, the Reserve Bank of India (RBI) has announced plans to launch the Unified Lending Interface (ULI), aiming to revolutionise access to digital lending much as UPI transformed digital payments.

The workshop featured insights from leading voices in the digital finance sector. Rakesh Maheshwari, Former Sr. Director and Group Coordinator of Cyber Laws and Data Governance at MeitY, expressed the view that the existing digital lending guidelines released by the RBI and the provisions on consent, data retention, and purpose as outlined in the Digital Personal Data Protection (DPDP) Act 2023 cover most aspects of privacy applicable to digital lending.

Jatinder Handoo, CEO of the Digital Lenders Association of India (DLAI), provided details on the steps taken by digital lending platforms (DLPs) to comply with privacy and data protection regulations. He highlighted the Self-Regulating Organisation (SRO) model initiated by the RBI as a positive step towards better management of consumer and business interests of DLPs. He also mentioned DLAI's initiatives in creating an open financial fraud repository to facilitate knowledge exchange among DLPs.

Ranjeet Rane, Research Head at the Reserve Bank Innovation Hub, stressed the need to balance regulatory interventions with promoting innovation in the digital lending space. He advocated for both process and product innovation, emphasising the importance of leveraging technological advancements in digital financial services while addressing potential privacy and security concerns of users.

Misha Sharma, Head of Household Finance at Dvara Research, while appreciating the research team's methodology, highlighted the need for benchmark studies to compare DLPs and educate consumers. She also noted that current regulations focus on “consumer verification” and should shift towards “consumer protection.”

Sumit Ghoshal, Senior Partner at AZB & Partners, discussed the high costs incurred by DLPs in complying with multiple regulations (e.g., DPDP Act, Consumer Protection Act, Digital Lending guidelines). He stressed the need for integrating all rules and regulations into a unified framework.

Garima Agarwal, Researcher at the Centre for Internet and Society, emphasised the importance of understanding differential privacy needs for different data segments by DLPs. She also commended the grievance redressal process established by the RBI as a step in the right direction.

The workshop concluded with a number of takeaways for consumers, DLPs, and regulatory organisations. The PIs indicated that the report shall be made available soon in open repository for public use.

About IIIT-Bangalore 

IIIT-Bangalore is a premier institute dedicated to undergraduate and postgraduate programs specializing in Computer Science and Engineering (CSE), Electronics and Communication Engineering (ECE), Data Science and Artificial Intelligence (DSAI), IT for Society, and broader fields of IT and research. Situated in the heart of Electronic City, Bangalore, it holds a prominent position in the academic landscape. IIIT-Bangalore is graded A+ by National Assessment and Accreditation Council (NAAC). IIIT-Bangalore secured the 74th position in the National Institutional Ranking Framework (NIRF) rankings for the second consecutive year, 2024 reflecting its commitment to academic excellence. The institute was ranked number 9 among India's Best Technical Universities (Private) by India Today. IIIT-Bangalore contains state-of-the-art infrastructure, eminently qualified faculty, a vibrant alumni community, cutting-edge research facilities, and close industry collaborations.

The institute’s specially designed courses make the students’ cognizant of the current technologies. Experiential learning and practices followed in the institute equip them with the tools and knowledge to solve contemporary real problems. IIIT-Bangalore has consistently achieved excellent placement records every year since its establishment in 1998, thanks to the unwavering support of the industry and the expanding pool of highly skilled alumni.

For more information about IIIT-Bangalore, visit www.iiitb.ac.in

CredAble Introduces Next-Gen Credit Line For MSMEs, Setting The Stage At Global Fintech Fest

~ CredAble's revolutionary credit solution, "Revolving Short-Term Loans,” makes waves at Global Fintech Fest.

~ Revolving short-term loans will redefine the credit ecosystem for MSMEs. It will empower MSMEs to manage their working capital more effectively by paying interest only on the funds they use and reloading their credit line as they repay.

At the Global Fintech Fest (GFF 2024), the country’s leading FinTech player, CredAble, launched Revolving Short-Term Loans, a transformative credit line that is set to rewrite the rules of financing for businesses of all sizes.

Building on CredAble’s history of financial innovation and laser-sharp focus on the growing needs of Micro, Small, and Medium Enterprises (MSMEs)—Revolving Short-Term Loans solution is designed to alter how credit is delivered to small businesses and set new standards of excellence in this space.

CredAble’s new product - Revolving Short-Term Loan is a unique and groundbreaking pay-as-you-use working capital credit line that enables small businesses to pay interest only on the funds used. This one-of-a-kind tailor-made and dynamic financing product combine instantaneous digital assessment with the flexibility of collateral-free borrowing.

Over the last few years, CredAble has made remarkable strides in plugging the MSME credit gap through scaled technology, expertise in risk and compliance, and a broad suite of working capital financing solutions.

CredAble’s Revolving Short-Term Loans are designed with the future in mind, addressing small business financing needs head-on and significantly cutting short the credit turnaround time. The solution is tailored to be as agile and adaptable as the businesses it serves.

with reports claiming that 66% of SMEs seek faster credit options, and 55% of them require financing within 7 days—revolving short-term loans pay-as-you-use and reloadable credit models ensure the rapid disbursement of funds, meeting the urgent financing needs of SMEs.

By enabling more than $11 billion in working capital annually, CredAble has carved out a space on the world stage with an extensive client base of banks, enterprises, and SMEs. The company has achieved this with their vast technical excellence, automated credit decisioning capabilities, advanced acceptance scorecards, and several promising developments in the credit ecosystem.

The launch at GFF drew significant attention from attendees and industry leaders, with CredAble securing numerous partnerships to further penetrate the market with its revolving short-term loan solution. CredAble is already in talks with top marketplaces and popular commerce players to integrate the solution directly into such platforms that are frequently used by MSMEs.

Over the last few years, the rapid advancements in the FinTech space have caused a phenomenal transformation across the financial services ecosystem. We are witnessing the rise of new and exciting use cases of on-time and affordable financing, the shift to real-time payments gaining momentum, and the lending ecosystem being redefined to accommodate the needs of the growing MSME sector.

CredAble’s new solution stands to be instrumental in achieving last-mile financial inclusion for MSMEs, offering essential credit access to businesses that have previously been overlooked. Mr. Satyam Agrawal, Global Head of Product & Retail Business Lending, MD ASEAN & ME at CredAble, said, “We believe we are on the cusp of an opportunity to reinvent how we deliver credit to MSMEs. Our innovative revolving short-term loans are set to transform MSME financing with features like one-time credit evaluation, pay-as-you-use financing, and reloadable credit limits. We’re offering a solution that’s incredibly practical for everyday business needs. With flexible repayment options, collateral-free credit, and minimal documentation—we’re setting a new benchmark in credit products and paving the way for an unparalleled borrower experience.”

Mr. Nirav Choksi, Co-founder and CEO of CredAble, commented, “The MSMEs’ needs to access credit instantly are constantly rising, and we’re here to deliver the next-gen credit experiences that they deserve with revolving short-term loans. The need of the hour is to build solutions for thin-file, small-ticket borrowers. Our scale and continuous investment in technology have given us the strong foundation to develop new tools and processes that extend the reach of credit and power cutting-edge innovation in MSME financing.”

CredAble is among the top working capital financing players, leading one of the biggest revolutions in the MSME financing space. Revolving Short-Term Loans is a testament to CredAble’s commitment to driving financial inclusion. This solution not only meets current demands but also sets the stage for future growth and innovation.

Socomec India LBI Receives National Accreditation Board For Testing And Calibration Laboratories (NABL) Certification

~ Data centres, Healthcare, Renewable energy, Infrastructure, Commercial & Industry buildings stand to benefit ~

Socomec's testing laboratory LBI (LAB INDIA) has been accredited by the National Accreditation Board for Testing and Calibration Laboratories (NABL) in line with the ISO/IEC 17025:2017 standard, which outlines the general requirements for the competence of testing and calibration laboratories. Consequently, reports and certificates issued by this laboratory at the Gurgaon manufacturing facility are now authorized to display the ILAC MRA (International Laboratory Accreditation Cooperation Mutual Recognition Arrangement) mark.

The NABL (National Accreditation Board for Testing and Calibration Laboratories) accredited laboratory follows transparent protocols and testing procedures, with thorough documentation of each step, result, and certification. Quality control measures and safety protocols are rigorously enforced throughout the process. Regular calibration and maintenance of equipment ensure precision and reliability, while also creating a safe environment for staff and safeguarding customers' products from damage.

This accreditation supports Socomec's mission to uphold quality and safety across various industries by meeting their specific and rigorous requirements, ensuring reliable and globally recognized testing results. The NABL accreditation is set to benefit all sectors focused by Socomec, including data centres, healthcare, renewable energy, infrastructure, and commercial & industry buildings. Specifically, customers who participate in tenders that require products from independently verified laboratories will be largely benefitted by this certification.

Sharing details about the accreditation, Mr. Meenu Singhal, Regional Managing Director of Socomec, Greater India said, “All our processes adhere to stringent international standards, ensuring accurate measurements and reliable performance. In addition to high-quality products, customers will also receive NABL-accredited lab certificates, reassuring them that they have chosen the best. This further cements our position as a trusted and reliable partner for customers seeking best-in-class power management solutions. We remain committed to continuous improvement, consistently revising and upgrading our Standard Operating Procedures (SOPs) to integrate industry best practices and technological advancements."

Late last year, Socomec India received its ISO 14001 certificate, an internationally recognized standard given to companies which respond to changing environmental conditions and go the extra mile to protect the environment.

Deputy CM, Karnataka D.K. ShivakumarIinaugurates "Prawaas 4.0" Hosted By Bus And Car Operators Confederation Of India

Highlights

Virtual Address by Shri Nitin Gadkari, Hon’ble Minister for Road Transport & Highways, Govt. of India

Bus & Car Operators Confederation of India’s flagship event Prawaas 4.0 aims to promote Safe, Smart, and Sustainable Passenger Mobility

The 4th edition of the event brings together the entire public transport ecosystem including fleet owners and operators from 28 States and 8 Union Territories

Namma Bengaluru proudly hosts the highly anticipated Prawaas 4.0, inaugurated today by Shri D.K. Shivakumar, the Hon’ble Deputy Chief Minister of Karnataka. This is India’s flagship multimodal event organized by Bus and Car Operators Confederation of India (BOCI), scheduled from August 29th-31st, 2024 at the Bangalore International Exhibition Centre, Bengaluru. The event is supported by the Ministry of Road Transport and Highways, Ministry of Heavy Industries, Ministry of Housing and Urban Affairs, Government of India.

The event also featured the video conferencing of Shri Nitin Gadkari, the Hon’ble Minister of Road Transport & Highways, Government of India, which provided encouragement and support to the entire operators fraternity.

The inauguration programme was also graced by Shri Ojing Tasing, the Hon'ble Minister for Rural Development, Panchayat Raj, Co-operation, and Transport, Government of Arunachal Pradesh; Shri Yoonus Khan, Former Transport Minister, Govt. of Rajasthan; Shri Girish Wagh, Executive Director at Tata Motors Limited; Shri S. S. Gill, Chief Commercial Officer at VE Commercial Vehicles Ltd. The upcoming days of the event will also see other State’s Ministers, Central & State Government authorities, representation from Transport Departments and State Transport Undertakings.

Organized by BOCI, Prawaas 4.0 is supported by 6 local host associations including the Karnataka State Tourism Private Transport Owner’s Association, Karnataka State Travel Operator’s Association, Karnataka Tourist Motor Cab Maxi Cab Owners Welfare Association (KTOA), Bangalore Tourist Taxi Owners Association (BTTOA), Karnataka State Tourist Bus Operators Association, Karnataka State Bus Owners’ Federation, and event curated by MM Activ Sci-Tech Communications.

The three-day event has brought together leading bus & car operators from across India in nine important segments viz: Intercity, Intracity, School Bus, Employee Transport, Tour Operators, Tourists Cabs, Maxi Cabs, PPP-SPVs and Critical Care.  The event boasts strong operators representation with already 5000 registered operators, with a larger delegation from Karnataka, Tamil Nadu, Kerala, Maharashtra, Gujarat, Odisha, significant numbers from Madhya Pradesh, Himachal Pradesh, Chhattisgarh, Rajasthan, West Bengal and special delegation of 80+ members from North East region.

Prawaas 4.0 will showcase a diverse lineup of events, including BOCI Day, an extensive exhibition, a conference, an awards function, leadership talks, and panel discussions featuring industry leaders from across the country. Additionally, the event will introduce a new initiative, BOCI Yuwa, aimed at engaging and empowering the younger generation in

the sector.

Prawaas 4.0, focal theme “Safe, Smart, and Sustainable Passenger Mobility,” is set to be a landmark event, bringing together key stakeholders from across the multimodal transport sector. The exhibition will feature a diverse range of participants, including bus and car manufacturers, fleet operators, and partners from all 28 States and 8 Union Territories of India.

This year’s Conference with over 100 experts addressing Multimodal transportation, PPP model, School buses, Tourism, Electric vehicles (EVs), Insurance, and Car industry will be attended by over 1500 industry representatives. Prawaas 4.0 Exhibition taking place for the first time in Bengaluru will see over 200 exhibitors displaying the innovations from public transport segment. Some of the top exhibitors include, Tata Motors, Volvo Eicher, RedBus, Veera, Abhibus, Prakash, Nippon Paint, JBM Group, Eka Mobility, Repos Energy, Ashok Leyland, Eberspächer, Bosch, Trans ACNR, Spheros Motherson, Futureautotech-Global Ventures, Audi, BMW Deutsche Motoren, Mercedes-Benz, Kia, Renault, Maruti Suzuki, and more.

Speaking at the inauguration, Shri Prasanna Patwardhan, President, BOCI said, “With the inauguration of the 4th edition of Prawaas, we mark a significant milestone in our relentless pursuit of transforming India's transportation landscape. At the Bus and Car Operators Confederation of India (BOCI), we are not just envisioning the future; we are actively shaping it by driving innovation, fostering collaboration, and championing sustainable practices across all modes of transportation. Prawaas 4.0 embodies our commitment to addressing the pressing environmental and socio-economic challenges facing the industry. The successful Curtain Raiser programs held in Bengaluru, Guwahati, Pune, Kozhikode, Madurai, Lucknow, and Raipur highlighted the significant engagement of operators and industry representatives. The overwhelming enthusiasm and support from our partners and stakeholders reaffirm that together, we are crafting a future where mobility is not just efficient and inclusive but also a powerful force for change—paving the way for a greener, safer, and more resilient transportation ecosystem."

Prawaas 4.0 will be a groundbreaking event in multimodal transport, featuring insightful dialogues, cutting-edge industry innovations, and a prestigious awards ceremony recognizing exceptional contributions.

For more information, visit www.prawaas.com.

Photo Caption: D.K. Shivakumar, the Deputy Chief Minister of Karnataka along with other guests and dignitaries from the industry join together to light the lamp at the inauguration of prestigious event Prawaas 4.0 at BIEC.

Manipal Academy of Higher Education Bags Best Documentary Film Award At Culture Cinema Festival

* MAHE Documentary ‘Living Cultures Of Tulunadu -Bhuta’ Bagged The Best Film Award Under Social Practices Category In C2F2

Manipal Academy of Higher Education achieved a remarkable for its documentary, Living Cultures of Tulunadu - Bhuta, which has been honored with the Best Film Award under the Social Practices category at the prestigious Culture Cinema International Film Festival (C2F2). The award ceremony was held virtually on August 25, 2024.

The documentary was selected from a competitive pool of over 800 entries from across the globe and received official selection in July 2024. After two months of rigorous screening and evaluation by the festival’s esteemed jury, the top 10 films in 15 categories were chosen, with Living Cultures of Tulunadu - Bhuta emerging as the winner in its category.

Dr H S Ballal, Pro Chancellor, Manipal Academy of Higher Education, Manipal also shared his thoughts & stated, “We are immensely proud of this achievement, the documentary not only reflects our commitment to cultural education but also underscores the importance of preserving and promoting lesser-known traditions. It is heartening to see our students and faculty collaborate on projects that have a profound impact on both the academic and cultural landscapes as we will keep pushing boundaries of creativity.”

Lt Gen (Dr) M D Venkatesh, VSM (Retd), Vice Chancellor, Manipal Academy of Higher Education, Manipal, “This prestigious is award is a testament to the dedication and creativity of our team in bringing the rich and diverse cultural heritage of Tulunadu to the forefront. At MAHE, we strive to foster an environment where academic excellence and cultural preservation go hand in hand. The recognition from Culture Cinema International Film Festival is a significant milestone which will motivate us to continue our efforts in showcasing India’s vibrant cultural tapestry to the world.”

Praveen Shetty, Assistant Professor, Coordinator Centre for Intercultural Studies and Dialogue, Dept of Humanities & Management & MIT, MAHE stated that “This is a remarkable achievement, and we are grateful to all the students & faculties who have provided their invaluable support. Our team has also been invited to participate in interactive sessions with students during the screenings, providing a platform for deeper discussions on the cultural themes explored in the film.”

C2F2-in-The-Campus, a unique initiative of the festival, aims to bring award-winning films to the youth in colleges and universities across India, allowing them to experience and engage with diverse global cultures. The films will be screened across several Universities: Bennett University, Greater NOIDA, Delhi Metropolitan Education, NOIDA, Pandit Deendayal Energy University, Gandhinagar, Presidency University, Bengaluru &RV University, Bengaluru. Culture Cinema Film Festival (C2F2) is organized to commemorate the UN-declared "World Day for Cultural Diversity for Dialogue and Development" that falls upon 21st May 2024. Held every year on 21st May, this day celebrates not only the richness of the world’s cultures but also the essential role of intercultural dialogue in achieving peace and sustainable development. 

About Manipal Academy of Higher Education

Manipal Academy of Higher Education (MAHE) is an Institution of Eminence Deemed-to-be University. MAHE offers over 400 specializations across the Health Sciences (HS), Management, Law, Humanities & Social Sciences (MLHS), and Technology & Science (T&S) streams; through its constituent units at campuses in Manipal, Mangalore, Bangalore, Jamshedpur, and Dubai. With a remarkable track record in academics, state-of-the-art infrastructure, and significant contributions to research, MAHE has earned recognition and acclaim both nationally and internationally. In October 2020, the Ministry of Education, Government of India, awarded MAHE the prestigious Institution of Eminence status. Currently ranked 4th in the National Institutional Ranking Framework (NIRF), MAHE is the preferred choice for students seeking a transformative learning experience and an enriching campus life, as well as for national & multi-national corporates looking for top talent.

Marriott International Signs Agreement With The Icon Group To Debut The Fairfield By Marriott Brand In Mohali, Punjab Near Chandigarh

Marriott International, Inc. announced a signed agreement with The Icon Group to debut the Fairfield by Marriott brand in one of India’s most well-designed cities, Mohali, in Chandigarh. Expected to feature 106 keys, the hotel will be part of a mixed-use development project, encompassing a well-distributed retail space and a multiplex cinema. Anticipated to open in January 2027, the hotel’s design will take inspiration from its natural surroundings, delivering the beauty of simplicity for guests who appreciate an efficient and reliable stay experience.

“We are thrilled to work with The Icon Group to introduce the Fairfield by Marriott brand to Mohali, a city poised for tremendous growth with its strategic location, robust infrastructure, and rapid urbanization,” said Ranju Alex- Area Vice President, South Asia, Marriott International. “This signing underscores our commitment to growing the presence of this trusted brand across the booming tier two and tier three markets of India while delivering on the brands principles of friendly service, reliability, and warm hospitality.”

Conveniently located only 20 minutes from Shaheed Bhagat Singh Airport and 10 minutes from the Mohali Railway Station, the hotel will make for an ideal choice for guests looking to maintain their routines while on the road, providing an effortless experience with its contemporary, uplifting design. The public areas are set to be designed with flexible social spaces where guests can connect with fellow travelers or unwind in the company of friends. Guests can also expect a harmonious blend of functionality, comfort, and enriching décor featuring natural materials and thoughtfully selected amenities.

Sharing their thoughts on this strategic signing Mr. Rajesh Puri & Mr. Ajay Sehgal, Managing Directors, ICON Group stated – “We are delighted to collaborate with Marriott international to introduce the Fairfield by Marriott brand to Mohali.  Inspired by the beauty of simplicity and located within close proximity to key tourist attractions, cultural landmarks and business centers, this hotel is poised to deliver an inviting and seamless experience, becoming the destination of choice for travellers.

“We are thrilled to offer guests an inspiring travel experience in this dynamic city. By sharing our core values of integrity, teamwork, and leadership, this collaboration with Marriott International reflects our commitment to growth in the region. We look forward to a very promising journey ahead and our continued progress in the hospitality sector," added Nikhil Puri, Director ICON group.

Plans also include for the hotel to feature a convenient all-day dining restaurant, with nutritious and smart food options providing a healthy start to the day, as well as a fully equipped gym, for guests to maintain their fitness schedules while traveling.

Revolutionizing Blockchain Technology: MAI Labs Introduces KALP Studio, A Complete Infrastructure For Blockchain Development

MAI Labs is proud to announce the launch of KALP Studio, a revolutionary platform designed to democratize Blockchain and Web 3.0 development for developers of all experience levels. With the ability to build products on KALP DLT or even create entirely new chains, KALP Studio offers an unprecedented ecosystem

As a powerful platform, KALP Studio is a unique, all-in-one platform that offers a complete eco-system with pre-built DIY modules and robust infrastructure. It enables the fastest deployment of decentralized applications (dApps), adaptable to any industry or use case ripe for Blockchain disruption. Solutions built on KALP Studio are not only scalable and secure but also fully compliant, making them ideal for enterprise-grade innovations.

Mr. Mrityuanjaya Prajapati, Founder & CEO, KALP Studio, at the launch said, “By 2030, the Blockchain market is expected to cross $3.1 trillion, worldwide. The Blockchain industry still faces three major challenges in such a rapidly growing market. Firstly, there is a lack of availability of Blockchain experts to meet the expediting requirements. Secondly, the turnaround time within the market is too long. And thirdly, the overall cost of development is too high to adopt the advanced Blockchain technology. 

“The vision to build KALP Studio to address these challenges and support the Global Blockchain developers' community and businesses with a premium & wholesome infrastructure. Thus, the industry can leverage the full potential of the market with groundbreaking Blockchain & Web3 innovations.” Tapan Sangal, Founder of MAI Labs, highlighting some of the unique offering said, “KALP Studio is a revolutionary platform for the Blockchain industry. Being a chain-agnostic wholesome infrastructure with pre-built DIY modules, it can build disruptive industry solutions on Blockchain. It exponentially reduces costs and accelerate the project turnaround time. Overall, KALP Studio is an exclusive experience for developers with its advanced customization options and the best UI/UX.”

Considering the advance technology capabilities of the platform, KALP Studio is already selected as an exclusive platform for building Blockchain Projects, for “BUILD Hackathon”. 

About KALP Studio:

KALP Studio, a product of KALP Digital, is a one-stop Blockchain Development infrastructure. It has an extensive ready-to-use module library for (dApps), future-centric features, third party integration & advanced customization capabilities, the best UI/UX and a complete supportive ecosystem to develop anything Blockchain.  It can accelerate even the most innovative, scalable & complex Blockchain solutions development, seamlessly.

About MAI Labs:

MAI Labs is a deep tech company committed to democratizing and empowering users worldwide with accessible, innovative, and cutting-edge technologies. With a presence in the United States, India, Mauritius, Singapore and Dubai, MAI Labs leads a portfolio of ventures including MayaaVerse,Kalp Studio STOEX, MyIPR, and NIFTIQ among others, all dedicated to democratizing access and providing creative, immersive solutions.