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	<title>Blog - iBixion</title>
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	<title>Blog - iBixion</title>
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		<title>Is ChatGPT Detectable by Turnitin? Yes, AI Content Can Be Detected</title>
		<link>https://ibixion.com/is-chatgpt-detectable-by-turnitin.html</link>
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		<dc:creator><![CDATA[Thomas]]></dc:creator>
		<pubDate>Thu, 15 Jun 2023 20:50:10 +0000</pubDate>
				<category><![CDATA[AI]]></category>
		<category><![CDATA[Blog]]></category>
		<category><![CDATA[ChatGPT]]></category>
		<guid isPermaLink="false">https://ibixion.com/?p=6793</guid>

					<description><![CDATA[<p>The advent of ChatGPT has sparked considerable anxiety within the educational sphere. Some educators are apprehensive that AI writing tools, like ChatGPT, could be exploited to circumvent intellectual effort. However, platforms such as Turnitin have swiftly adapted to this trend and have acquired capabilities to detect AI-produced content. So, is ChatGPT detectable by Turnitin? The [&#8230;]</p>
<p>The post <a href="https://ibixion.com/is-chatgpt-detectable-by-turnitin.html">Is ChatGPT Detectable by Turnitin? Yes, AI Content Can Be Detected</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p><span style="font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;">The advent of ChatGPT has sparked considerable anxiety within the educational sphere. Some educators are apprehensive that AI writing tools, like ChatGPT, could be exploited to circumvent intellectual effort. However, platforms such as Turnitin have swiftly adapted to this trend and have acquired capabilities to detect AI-produced content. So, is ChatGPT detectable by Turnitin? The answer is yes. Recent updates to the system have incorporated AI detection functionality, which, when combined with other Turnitin systems, can identify AI-authored content with 98% accuracy.</span></p>
<h2>Is ChatGPT Identifiable by Turnitin?</h2>
<p>ChatGPT is an AI language model that can generate text that closely mimics human responses. Unsurprisingly, Its popularity overgrew; some attempted to use ChatGPT to plagiarize work. However, Turnitin can now detect not only AI-generated but also AI-assisted writing. This offers educators a degree of reassurance, knowing that their student&#8217;s work will be meticulously scanned for plagiarism. Despite ChatGPT&#8217;s ability to generate essays, provide template suggestions, and solve mathematical problems in seconds, the recent developments by Turnitin have alleviated educators&#8217; concerns.</p>
<p>Chris Caren, CEO of Turnitin, stated, &#8220;Software developments to detect AI-generated writing have been ongoing for over two and a half years. Academic guidelines will also be adjusted to address the challenges presented by sophisticated AI writing tools.&#8221;</p>
<p>Turnitin will continually adapt to keep up with evolving demands like AI-generated content. For educational institutions, tools like Turnitin must facilitate the detection of non-original content and ensure students submit original work.</p>
<h2>Can Universities Detect ChatGPT?</h2>
<p>Universities can now detect ChatGPT and similar AI content generators. If a student submits work through a university&#8217;s learning management system, such as Turnitin, detection of AI-produced content and plagiarism is expected.</p>
<p>It is paramount to be open about using tools like ChatGPT to prevent any complications. Cite your source properly and use ChatGPT for fast research, but do not simply copy and paste the content.</p>
<h2>Can Turnitin Detect Copy-Pasting?</h2>
<p>Indeed, Turnitin can identify content that has been copied and pasted if the source is available online. Although it initially struggled with texts generated by ChatGPT, improvements have been made to ensure Turnitin can fully detect content produced by ChatGPT and other chatbots.</p>
<h2>How Does Turnitin Operate and Detect AI Content?</h2>
<p>While Turnitin doesn&#8217;t disclose its internal workings, the software itself is AI-based. It scans phrases in a document, analyzes them, and compares them to extensive online data. The challenge of detecting plagiarism in content produced by ChatGPT lies in its unique responses, which do not provide any cross-reference material for Turnitin.</p>
<p>Although the tool isn&#8217;t flawless, it is highly accurate and only flags content when it&#8217;s 98% confident it&#8217;s AI-written. The detection capabilities of Turnitin extend beyond ChatGPT and can detect content from other AI text generators with its latest updates.</p>
<h2>Are there Limitations to AI Detection?</h2>
<p>Despite recent advances in detecting AI-generated content, are there potential limitations? Detection could be compromised by new or uncommon AI models that have yet to be thoroughly trained or analyzed. As AI models continue to progress, a perpetual game of cat-and-mouse between AI generators and detection systems could affect long-term detection effectiveness.</p>
<p>Some argue that tools like ChatGPT could assist in fostering critical thinking skills, a compelling notion in an era where almost any question can be looked up online. However, while ChatGPT can aid in idea generation, it does not inherently enhance critical thinking skills. Over-reliance on AI-generated content for solutions might sidestep the cognitive processes integral to critical thinking. Nevertheless, when used ethically, ChatGPT can be a valuable research tool.</p>
<p>The post <a href="https://ibixion.com/is-chatgpt-detectable-by-turnitin.html">Is ChatGPT Detectable by Turnitin? Yes, AI Content Can Be Detected</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
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		<title>Top Hosting Providers of the Year: Our Picks for 2023</title>
		<link>https://ibixion.com/top-hosting-providers-of-the-year-our-picks.html</link>
					<comments>https://ibixion.com/top-hosting-providers-of-the-year-our-picks.html#respond</comments>
		
		<dc:creator><![CDATA[Thomas]]></dc:creator>
		<pubDate>Sun, 19 Mar 2023 17:53:29 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Reviews]]></category>
		<guid isPermaLink="false">https://ibixion.com/?p=6478</guid>

					<description><![CDATA[<p>Selecting the right web hosting provider is important for creating and maintaining a successful website. With so many options/ service providers available, it can be overwhelming to decide which provider is the best fit for your needs. In this article, we&#8217;ll discuss what you should look for in a hosting provider, and share our picks [&#8230;]</p>
<p>The post <a href="https://ibixion.com/top-hosting-providers-of-the-year-our-picks.html">Top Hosting Providers of the Year: Our Picks for 2023</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Selecting the right web hosting provider is important for creating and maintaining a successful website. With so many options/ service providers available, it can be overwhelming to decide which provider is the best fit for your needs. In this article, we&#8217;ll discuss what you should look for in a hosting provider, and share our picks for the top hosting providers of the year.</p>
<h2>What to Look for in a Hosting Provider</h2>
<p>When evaluating hosting providers, there are several key factors to consider. Let&#8217;s dive into the most important ones.</p>
<h3>Uptime and Reliability</h3>
<p>Uptime is the percentage of time that a hosting provider&#8217;s servers are operational. The higher the uptime, the more reliable the provider. Look for a provider with at least 99.9% uptime, as this will ensure that your website is always available to visitors.</p>
<h3>Speed and Performance</h3>
<p>A fast website keeps your visitors happy and boosts your search engine rankings. Consider providers with solid-state drives (SSDs) and data centers in multiple locations to improve loading times and performance.</p>
<h3>Customer Support</h3>
<p>Customer support is essential, especially for beginners. Choose a provider with 24/7 support and various contact options like live chat, phone, and email.</p>
<h3>Pricing and Plans</h3>
<p>Compare pricing and plans from different providers. Look for transparent pricing with no hidden fees, and consider your current and future needs when choosing a plan.</p>
<h3>Security Features</h3>
<p>Protecting your website from cyber threats is crucial. Look for providers that offer SSL certificates, daily backups, and malware protection.</p>
<h2>Top Hosting Providers</h2>
<p>Here are our picks for the top hosting providers of the year:</p>
<p style="text-align: center;"><strong>FTC Disclosure:</strong> We receive customer referral fees from companies mentioned on this website. All data and opinions are based on our experience as paying customers.</p>
<h3>Bluehost</h3>
<p>Bluehost is popular for beginners due to its user-friendly interface, affordable pricing, and excellent customer support. They offer a variety of web hosting plans, including shared, VPS, and dedicated hosting.</p>
<h3>SiteGround</h3>
<p>SiteGround is known for its speed, security features, and exceptional customer support. They offer various hosting plans, including shared, cloud, and dedicated hosting.</p>
<h3>A2 Hosting</h3>
<p>A2 Hosting is praised for its blazing-fast performance and developer-friendly features. They offer a range of web hosting options, including shared, VPS, and dedicated hosting.</p>
<h3>HostGator</h3>
<p>HostGator is a reliable choice for both beginners and advanced users. They offer flexible hosting plans, including shared, VPS, and dedicated hosting, as well as a website builder for those looking for an all-in-one solution.</p>
<p><a id="343222" href="https://partners.hostgator.com/c/3488111/343222/3094" target="_top" rel="noopener"><img fetchpriority="high" decoding="async" class="aligncenter" src="//a.impactradius-go.com/display-ad/3094-343222" alt="" width="300" height="250" border="0" /></a><img decoding="async" style="position: absolute; visibility: hidden;" src="https://partners.hostgator.com/i/3488111/343222/3094" width="0" height="0" border="0" /></p>
<h3>WP Engine</h3>
<p>WP Engine specializes in managed WordPress hosting, providing top-notch performance, security features, and expert WordPress support for those using the popular content management system.</p>
<h2>How to Choose the Right Hosting Provider for Your Needs</h2>
<p>To choose the right hosting provider, consider your specific needs and requirements. For instance, shared hosting might be the most suitable option if you&#8217;re a beginner or have a small business. On the other hand, if you&#8217;re running a high-traffic website or an online store, a VPS or dedicated hosting plan might be more appropriate. Always remember your budget, technical skills, and the level of customer support you&#8217;ll need.</p>
<h2>Conclusion</h2>
<p>Selecting the right hosting provider is essential for the success of your website. By considering factors like uptime, speed, customer support, pricing, and security features, you&#8217;ll be better equipped to choose the best provider for your needs. This year, our top picks for hosting providers include Bluehost, SiteGround, A2 Hosting, HostGator, and WP Engine. Remember to evaluate your specific requirements before deciding, and happy hosting!</p>
<p>The post <a href="https://ibixion.com/top-hosting-providers-of-the-year-our-picks.html">Top Hosting Providers of the Year: Our Picks for 2023</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
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		<title>Blogging 101: A Beginner&#8217;s Guide to Starting a Successful Blog</title>
		<link>https://ibixion.com/blogging-101.html</link>
					<comments>https://ibixion.com/blogging-101.html#respond</comments>
		
		<dc:creator><![CDATA[Thomas]]></dc:creator>
		<pubDate>Sun, 05 Feb 2023 16:50:45 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[How To]]></category>
		<category><![CDATA[Blogging 101]]></category>
		<guid isPermaLink="false">https://ibixion.com/?p=6473</guid>

					<description><![CDATA[<p>So you want to start a blog? That&#8217;s fantastic! Blogging is a fun and excellent way to communicate your views and experiences with the world, and it can even become a profitable venture. This amazing Blogging 101 guide will cover everything that you need to know to start a successful blog, from choosing the right [&#8230;]</p>
<p>The post <a href="https://ibixion.com/blogging-101.html">Blogging 101: A Beginner&#8217;s Guide to Starting a Successful Blog</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>So you want to start a blog? That&#8217;s fantastic! Blogging is a fun and excellent way to communicate your views and experiences with the world, and it can even become a profitable venture. This amazing Blogging 101 guide will cover everything that you need to know to start a successful blog, from choosing the right platform to optimizing your content for search engines. Let&#8217;s dive in!</p>
<h2>Why Start a Blog?</h2>
<p>Before we get into the steps, let&#8217;s talk about why you should consider starting a blog in the first place.</p>
<ul>
<li><strong>Sharing your passion</strong>: Blogging lets you share your passion with others, whether it&#8217;s cooking, photography, travel, or any other interest. It&#8217;s an excellent way to connect with like-minded individuals who share your enthusiasm.</li>
<li><strong>Building an online presence</strong>: A blog is a great way to show yourself as proficient in your field, showcase your work, and create a personal brand.</li>
<li><strong>Making money</strong>: With the proper techniques, blogging can become a source of income through advertising, sponsored content, and affiliate marketing.</li>
</ul>
<h2>Choosing a Blogging Platform</h2>
<p>Several blogging platforms are available, and choosing the right one is crucial for your blog&#8217;s success. Here are some popular options:</p>
<ul>
<li><strong>WordPress</strong>: A versatile, open-source platform that powers over 40% of the web. It offers endless customization options and a vast library of plugins and themes.</li>
<li><strong>Blogger</strong>: A free blogging medium by Google, Blogger is easy to use and offers integration with other Google services.</li>
<li><strong>Medium</strong>: A popular platform for writers and readers, Medium focuses on high-quality content and boasts a large, built-in audience.</li>
<li><strong>Wix</strong>: A user-friendly website builder with a range of customizable templates, Wix is perfect for those who want a visually stunning blog.</li>
</ul>
<h2>Selecting a Domain Name</h2>
<p>Your domain name is your blog&#8217;s online address, and it should be memorable, unique, and related to your niche. Consider using keywords related to your topic, and opt for a .com, .net, or .org extension for better credibility.</p>
<h2>Picking a Web Hosting Service</h2>
<p>A web host stores your blog&#8217;s files and makes them accessible to the internet. Look for a hosting provider with excellent uptime, reliable customer support, and scalable plans for your blog&#8217;s growth.</p>
<p>You try HostGator&#8217;s Shared web hosting for starters, offering a 30-day money-back guarantee.</p>
<p><a id="343222" href="https://partners.hostgator.com/c/3488111/343222/3094" target="_top" rel="noopener"><img decoding="async" class="aligncenter" src="//a.impactradius-go.com/display-ad/3094-343222" alt="" width="300" height="250" border="0" /></a><img loading="lazy" decoding="async" style="position: absolute; visibility: hidden;" src="https://partners.hostgator.com/i/3488111/343222/3094" width="0" height="0" border="0" /></p>
<p style="text-align: center;"><strong>FTC Disclosure</strong>: We receive customer referral fees from companies mentioned on this website. All data and opinions are based on our experience as paying customers.</p>
<h2>Designing Your Blog</h2>
<ul>
<li><strong>Choosing a theme</strong>: Pick a theme that reflects your blog&#8217;s topic and style. Many blogging platforms offer free and premium themes, so take your time to find an excellent fit.</li>
<li><strong>Customizing your blog layout</strong>: Customize your blog&#8217;s layout to make it more user-friendly and visually attractive. Consider adding a navigation menu, sidebar widgets, and a responsive design for mobile users.</li>
</ul>
<h2>Creating Quality Content</h2>
<ul>
<li><strong>Know your audience</strong>: Understanding your key audience is essential for creating content that is relevant to them. Research their interests, demographics, and preferences to tailor your content accordingly.</li>
<li><strong>Write compelling headlines</strong>: Your headlines should be attention-grabbing and intriguing to encourage readers to click and read your content.</li>
<li><strong>Use proper formatting</strong>: Break your content into short paragraphs, use headings and subheadings, and include bullet points and pictures to make your content more readable and engaging.</li>
</ul>
<h2>Optimizing Your Blog for SEO</h2>
<ul>
<li><strong>Keyword research</strong>: Identify relevant keywords your target audience is searching for and include them in your content, headings, and meta tags.</li>
<li><strong>On-page optimization</strong>: Optimize your blog posts for search engines by having your target keywords in the title, URL, and meta description. Also, ensure your images have descriptive alt tags.</li>
<li><strong>Off-page optimization</strong>: Build quality backlinks to your blog by guest posting, participating in forums, and engaging with influencers in your niche.</li>
</ul>
<h2>Promoting Your Blog</h2>
<ul>
<li><strong>Social media</strong>: You can share your content on social media websites like Facebook, Twitter &amp; Instagram to reach a broader audience.</li>
<li><strong>Guest posting</strong>: Write high-quality guest posts for other blogs in your niche to gain exposure and drive traffic to your site.</li>
<li><strong>Networking</strong>: Engage with other bloggers, influencers, and readers to build relationships and increase your blog&#8217;s visibility.</li>
</ul>
<h2>Monetizing Your Blog</h2>
<ul>
<li><strong>Affiliate marketing</strong>: Promote products or services related to your niche and earn a commission for every sale through your referral link.</li>
<li><strong>Sponsored posts</strong>: Collaborate with brands to create sponsored content that showcases their products or services in exchange for payment.</li>
<li><strong>Display advertising</strong>: Join an ad network like Google AdSense to display ads on your blog &amp; earn revenue based on impressions or clicks.</li>
</ul>
<h2>Tracking Your Blog&#8217;s Performance</h2>
<p>Regularly monitor your blog&#8217;s performance using tools like Google Analytics to track traffic, user engagement, and other valuable metrics. This info will assist you in making data-driven decisions to improve and grow your blog.</p>
<h2>Conclusion</h2>
<p>Initiating a successful blog takes time, dedication, and a willingness to learn. By following the steps sketched in this guide, you&#8217;ll be well on your way to building a blog that resonates with your target audience and stands out from the competition. Remember to stay consistent, keep learning, and don&#8217;t fear taking risks. Happy blogging!</p>
<h2>FAQs</h2>
<ol>
<li><strong>How long does it take to start earning/ making money from a blog?</strong> It varies for every blogger, but it normally takes several months to a year to start earning significant income from your blog.</li>
<li><strong>How often should I publish new content on my blog?</strong> Aim to publish new content at least once or twice a week. Consistency is key to building an engaged audience.</li>
<li><strong>What is the best way to drive traffic to my blog?</strong> A combination of SEO, social media marketing, guest posting, and networking will help drive traffic to your blog.</li>
<li><strong>Do I need technical skills to start a blog?</strong> While basic technical skills are helpful, most blogging platforms are user-friendly and do not require advanced knowledge.</li>
<li><strong>How can I improve my blog&#8217;s search engine rankings?</strong> Focus on creating high-quality, keyword-rich content, optimizing on-page elements, and building quality backlinks to improve your blog&#8217;s search engine rankings.</li>
</ol>
<p>The post <a href="https://ibixion.com/blogging-101.html">Blogging 101: A Beginner&#8217;s Guide to Starting a Successful Blog</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
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		<title>Indian Banking System + Mobile Wallets: A Fucked Up Combination</title>
		<link>https://ibixion.com/indian-banking-system-mobile-wallets-a-fucked-up-combination.html</link>
					<comments>https://ibixion.com/indian-banking-system-mobile-wallets-a-fucked-up-combination.html#respond</comments>
		
		<dc:creator><![CDATA[Thomas]]></dc:creator>
		<pubDate>Mon, 11 May 2020 18:11:05 +0000</pubDate>
				<category><![CDATA[Blog]]></category>
		<category><![CDATA[Featured]]></category>
		<category><![CDATA[Technology]]></category>
		<guid isPermaLink="false">https://ibixion.com/?p=4647</guid>

					<description><![CDATA[<p>Nowadays, most of the Indian&#8217;s are doing online transactions using Online Mobile Wallets, PhonePe, PayTM, Google Pay, etc. And it&#8217;s not because of the COVID-19 pandemic; there is a Digital movement going on in India, where Government is inspiring and giving a lot of freedom to the financial app developers. This is a story of [&#8230;]</p>
<p>The post <a href="https://ibixion.com/indian-banking-system-mobile-wallets-a-fucked-up-combination.html">Indian Banking System + Mobile Wallets: A Fucked Up Combination</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
]]></description>
										<content:encoded><![CDATA[<p>Nowadays, most of the Indian&#8217;s are doing online transactions using Online Mobile Wallets, PhonePe, PayTM, Google Pay, etc. And it&#8217;s not because of the COVID-19 pandemic; there is a Digital movement going on in India, where Government is inspiring and giving a lot of freedom to the financial app developers.</p>
<figure id="attachment_4678" aria-describedby="caption-attachment-4678" style="width: 600px" class="wp-caption aligncenter"><img loading="lazy" decoding="async" class="size-full wp-image-4678" src="https://ibixion.com/wp-content/uploads/2020/05/Hammer-The-Phone-I.gif" alt="" width="600" height="338" /><figcaption id="caption-attachment-4678" class="wp-caption-text">Video Credit: Dbrand</figcaption></figure>
<p>This is a story of Indian Banking System + Mobile Wallets, which can entirely ruin your day if you don&#8217;t know how &amp; when to use it, and I bet that most of the time, top of chain people don&#8217;t even know it.</p>
<p>I personally have been facing a lot of issues with the Mobile Wallets, and a recent transaction + conversation with the support team just made me go crazy.</p>
<p>Let&#8217;s start with <em><strong>when</strong></em>.</p>
<h2>When</h2>
<p>In this pandemic where a virus can be deadly upon contact, lots of people are avoiding cash/ going into ATMs (and let me tell you it&#8217;s not sanitized at all, even if it is, only God knows when).</p>
<p>I was purchasing two smartphones, (Realme C2 and Redmi 8A) and one headphone (Realme Buds 2) offline, with a total bill amount of Rs 15,299. The shop owner asked me whether I&#8217;ll be paying with cash or card, like almost all the time I replied saying, Card.</p>
<p>Believe me or not, some people in small-town still charge you extra for paying with Card. This type of thing happens all over India, and you can read a similar story <a href="https://www.hindustantimes.com/india-news/customers-forced-to-pay-transaction-fee-for-using-cards-in-small-towns/story-KvqMxTheIJII46xNIkm44L.html" target="_blank" rel="nofollow noopener noreferrer">here</a>. Back to the story, the shop owner said that I&#8217;ll have to pay an extra 1% for debit cards and 1.5% for credit cards transaction.</p>
<p>I don&#8217;t usually like to argue with people with such a small mind, so I just asked them If they&#8217;ll accept any Mobile Wallet transaction and I got a positive response saying that he will accept Google Pay transaction.</p>
<p>Here comes the <em><strong>how</strong></em> part.</p>
<h2>How</h2>
<p>I usually face a lot of issues with Google Pay transactions. In my case, 9 out of 10 transactions always fail (SBI + HDFC bank connected), and there will be a long set back for the refund, and sometimes you don&#8217;t even know if you&#8217;ll get a refund or the amount will get credited to receivers account.</p>
<p>To give you an idea of how often Google Pay Fails, I did some test transaction and all of them failed.</p>

<img loading="lazy" decoding="async" width="1080" height="2280" src="https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1.jpg" class="attachment-full size-full" alt="" link="none" columns="2" size="full" ids="4661,4660" orderby="post__in" include="4661,4660" srcset="https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1.jpg 1080w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-142x300.jpg 142w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-485x1024.jpg 485w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-768x1621.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-728x1536.jpg 728w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-970x2048.jpg 970w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-696x1469.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-1068x2255.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-I-1-199x420.jpg 199w" sizes="auto, (max-width: 1080px) 100vw, 1080px" />
<img loading="lazy" decoding="async" width="1080" height="2280" src="https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1.jpg" class="attachment-full size-full" alt="" link="none" columns="2" size="full" ids="4661,4660" orderby="post__in" include="4661,4660" srcset="https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1.jpg 1080w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-142x300.jpg 142w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-485x1024.jpg 485w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-768x1621.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-728x1536.jpg 728w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-970x2048.jpg 970w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-696x1469.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-1068x2255.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/Google-Pay-SS-1-199x420.jpg 199w" sizes="auto, (max-width: 1080px) 100vw, 1080px" />

<p>So, I told the shop owner that I&#8217;ll do a direct bank transfer, but there is a twist also. You can do a quick transfer for Rs 10,000 at a time using SBI net banking or if you have ICICI or HDFC, you&#8217;ll have to wait at least 30 mins to do a transaction to a new beneficiary.</p>
<p>After thinking for a minute or two, I decided that I&#8217;ll do the transaction using PhonePe&#8217;s To Account Money Transfer option. Where you get a limit of total Rs 100,000/day with UPI, you can read more about UPI <a href="https://en.wikipedia.org/wiki/Unified_Payments_Interface" target="_blank" rel="nofollow noopener noreferrer">here</a>.</p>
<p>Got the bank details from the shop owner and proceed with the transaction of Rs 15,299. I carefully checked the details and used the HDFC bank to do the transaction. <span style="color: #ff0000;">Transaction Failed,<span style="color: #000000;"> as you can see in the screenshot below; that&#8217;s the straight-up result I got by using HDFC bank.</span></span></p>
<figure id="attachment_4653" aria-describedby="caption-attachment-4653" style="width: 275px" class="wp-caption aligncenter"><img loading="lazy" decoding="async" class="wp-image-4653" src="https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-473x1024.jpg" alt="HDFC Bank Transaction Failed Phonepe" width="275" height="595" srcset="https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1-194x420.jpg 194w, https://ibixion.com/wp-content/uploads/2020/05/HDFC-Bank-Transaction-Failed-Phonepe-1.jpg 1125w" sizes="auto, (max-width: 275px) 100vw, 275px" /><figcaption id="caption-attachment-4653" class="wp-caption-text">Screenshot (a): Transaction Failed, PhonePe using HDFC bank</figcaption></figure>
<p>I do have SBI bank connected to my PhonePe account as well, so without spending any more time; I tried doing the payment using SBI bank. Now, waiting for the confirmation message to show the shop owner. I got an SMS saying that the money got deducted from my bank, OK. 30 seconds &#8211; payment pending, 1-minute payment pending, 2-minutes payment pending.</p>
<p>After waiting for about 2 minutes I tried contacting the support by clicking the (?) Contact PhonePe Support option and I think their bot bombed my Help request with the automated reply, check the screenshot below.</p>

<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/IMG_5778.png" class="attachment-full size-full" alt="" link="none" columns="2" size="full" ids="4654,4655" orderby="post__in" include="4654,4655" srcset="https://ibixion.com/wp-content/uploads/2020/05/IMG_5778.png 1125w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-139x300.png 139w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-473x1024.png 473w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-768x1663.png 768w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-709x1536.png 709w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-946x2048.png 946w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-696x1507.png 696w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-1068x2313.png 1068w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5778-194x420.png 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />
<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/IMG_5779.png" class="attachment-full size-full" alt="" link="none" columns="2" size="full" ids="4654,4655" orderby="post__in" include="4654,4655" srcset="https://ibixion.com/wp-content/uploads/2020/05/IMG_5779.png 1125w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-139x300.png 139w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-473x1024.png 473w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-768x1663.png 768w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-709x1536.png 709w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-946x2048.png 946w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-696x1507.png 696w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-1068x2313.png 1068w, https://ibixion.com/wp-content/uploads/2020/05/IMG_5779-194x420.png 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />

<p>As you can see it on the screenshot above, the automated message (a freaking bot) told me to wait 4 minutes and I should get the confirmation. Obviously, 4 minutes passed and it gave me a few options to choose (with what exactly I need help with), and I choose the option <em>Why is my transaction pending?</em></p>
<p><strong>The Scene:</strong> I&#8217;m waiting at the shop to show the shop owner the screenshot that the payment has gone through so that I can grab the things and go home. But PhonePe is telling me to wait for 1 hour (obviously at the shop maybe) and I&#8217;ll get an update.</p>
<p>This is <em><strong>when and how</strong></em> the Indian banking system + mobile wallets combination gets dangerous. The Indian Govt and the Wallet developers are reaching to the shop owners and inspiring them to use these Apps and when the transaction fails, there is no one to give you an immediate response. You can see how quickly 1 hour became you&#8217;ll get a response within 24 hours.</p>
<p>The shop owner never trusts a pending transaction and going to give you the goods. So I decided to pay him with cash thinking that the transaction will get failed and I&#8217;ll get a refund. I paid the shop owner Rs 15,299 and left with my new gadgets. Also, I updated the PhonePe support team about the situation and told them to cancel the payment because it been already paid, via cash.</p>
<p><img loading="lazy" decoding="async" class="aligncenter wp-image-4671" src="https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-473x1024.jpg" alt="" width="300" height="649" srcset="https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I-194x420.jpg 194w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-Support-SS-I.jpg 1125w" sizes="auto, (max-width: 300px) 100vw, 300px" /></p>
<h2>What happened next?</h2>
<p>Long story short, I got a message from PhonePe after two days saying that the payment has gone through and they can&#8217;t do anything about it. At this point, I just wanted to punch the guy whos responding to an urgent message after two freaking days.</p>

<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I.jpg" class="attachment-full size-full" alt="" columns="2" size="full" link="none" ids="4672,4673,4674,4675" orderby="post__in" include="4672,4673,4674,4675" srcset="https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I.jpg 1125w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/PhonePe-stupid-support-team-I-194x420.jpg 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />
<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II.jpg" class="attachment-full size-full" alt="" columns="2" size="full" link="none" ids="4672,4673,4674,4675" orderby="post__in" include="4672,4673,4674,4675" srcset="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II.jpg 1125w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-support-team-II-194x420.jpg 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />
<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II.jpg" class="attachment-full size-full" alt="" columns="2" size="full" link="none" ids="4672,4673,4674,4675" orderby="post__in" include="4672,4673,4674,4675" srcset="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II.jpg 1125w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-stupid-team-II-194x420.jpg 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />
<img loading="lazy" decoding="async" width="1125" height="2436" src="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support.jpg" class="attachment-full size-full" alt="" columns="2" size="full" link="none" ids="4672,4673,4674,4675" orderby="post__in" include="4672,4673,4674,4675" srcset="https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support.jpg 1125w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-139x300.jpg 139w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-473x1024.jpg 473w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-768x1663.jpg 768w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-709x1536.jpg 709w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-946x2048.jpg 946w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-696x1507.jpg 696w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-1068x2313.jpg 1068w, https://ibixion.com/wp-content/uploads/2020/05/Phonepe-Stupid-team-support-194x420.jpg 194w" sizes="auto, (max-width: 1125px) 100vw, 1125px" />

<p>As you can see in the screenshots above, the <em><strong>Support Team doesn&#8217;t even read your replies</strong></em>, they don&#8217;t even understand the concert. They just send you a template of reply, that is common for any fucking support ticket.</p>
<p>Luckily the shop is about 10Kms away from my home, I&#8217;m considering the situation as lucky thinking that I didn&#8217;t make the transaction while traveling on a random shop. I have contacted the shop owner and he confirmed that he got the money, but he said that money might get refunded from his account even after getting credited to his account. I know it&#8217;s stupid but considering the IQ of support team like PhonePe, I&#8217;ll say he is OK.</p>
<p>I&#8217;m yet to receive a refund, which the shop owner will give me. He told me to wait for 2 days, hopefully, I&#8217;ll get my money back.</p>
<h2>Moral of the Story</h2>
<p>Don&#8217;t use any Indian Mobile Wallets if you care about your money. Or, if you have a lot of free time and want to spend time doing something completely nonsense, do what I did.</p>
<p>The post <a href="https://ibixion.com/indian-banking-system-mobile-wallets-a-fucked-up-combination.html">Indian Banking System + Mobile Wallets: A Fucked Up Combination</a> appeared first on <a href="https://ibixion.com">iBixion</a>.</p>
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