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All You Need to Know About ChatGPT

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ChatGPT

Launched by AI research and deployment company OpenAI in November last year, ChatGPT is the new buzzword on Google as searches for the AI tool has spiked globally, due to its remarkable ability to generate detailed human-like responses.

Recent reports reveal that ChatGPT spiked to hit a popularity score of 92 on January 13, 2022, which has drawn over 1 million users since its launch.

What is ChatGPT?

ChatGPT is an advanced AI chatbot created by AI research and deployment company Open AI, which is programmed to follow instructions, and provide a detailed response. The AI tool enables users to ask questions or tell a story, and the bot will respond with relevant and natural-sounding answers on any topic.

Some features of ChatGPT include challenging incorrect premises, follow-up questions, rejecting inappropriate queries, etc.

Here is all you need to know about ChatGPT

The ChatGPT was fine-tuned on top of GPT- 3.5 using supervised learning as well as reinforcement learning. Although the core function of a Chatbot is to mimic human conversation, the ChatGPT seems quite different due to its versatility.

For instance, the chatGPT can compose essays, compose music, answer test questions (sometimes depending on the test, at a level above the average human test maker), Debug and decode computer programs, etc.

Unlike most chatbots, the ChatGPT remembers previous prompts given to it in the same conversation, which has seen users suggest that this feature will allow the Open AI tool as a personalized therapist.

The ChatGPT uses transformer architecture, which is a state-of-the-art method for training large language models, and it is made available through OpenAI’s API, allowing developers to easily integrate it into their applications.

Also the ChatGPT can be used in conversation modeling, powering chatbots and virtual assistants for more human-like interactions. Overall, ChatGPT’s capabilities in natural language processing makes it a powerful tool for a wide range of applications.

Here are some key features of ChatGPT

1.) Fine-Tuning- ChatGPT can be fine-tuned on specific conversational tasks such as language understanding, text summarization, and text generalization, which makes the chatbot more effective to handle tasks.

2.) Batching- The ChatGPT can handle batch input and output, which implies that it can handle multiple prompts and return multiple responses at once, thus increasing efficiency and reducing latency.

3.) Pre-training- The ChatGPT is pre-trained on a large dataset of conversational text, which allows it to understand the context of a conversation and generate more natural and coherent responses.

4.) Handling Context- The OpenAI AI chatbot has been programmed specifically for conversational understanding. It can track the conversations and handle context switching and shift in topic seamlessly.

How You Can Use The ChatGPT

Step 1 – Go to your browser and type chat.openai.com

Step 2 – You then proceed to log in if you already have an account, or sign up if you don’t.

Step 3 – In the sign-up process, after inputting your email address, you will receive a message to verify your email address to continue the sign-up process.

Step 4 – After verifying your email, you will be requested to fill in your phone number which you will be sent a verification code which you will fill in.

Step 5 – After filling in the verification code, you will be redirected to the chatbot conversation area where you can perform any task of your choice.

Fintech

From Trading to Credit: Robinhood Launches No-Fee Credit Card with Gold Membership Perks

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Robinhood

Robinhood Markets Inc. has announced the launch of its highly anticipated no-fee credit card and it was accompanied by exclusive perks for Gold membership subscribers.

This bold move is a step in the company’s mission to evolve into a comprehensive financial services provider.

The Robinhood Gold Card boasts an array of enticing features. Chief among them is the absence of annual costs or foreign transaction fees, positioning it as an attractive option for consumers seeking financial flexibility.

Moreover, cardholders stand to benefit from a generous 3% cash back on all categories of purchases, a competitive offer in comparison to industry rivals.

Vlad Tenev, CEO of Robinhood, emphasized the company’s commitment to innovation and industry leadership in an interview.

He expressed the intention to not merely introduce a credit card, but to revolutionize the market with a product that sets new standards for customer satisfaction and financial empowerment.

The announcement has sparked enthusiasm among investors, with Robinhood’s shares witnessing a 6.9% surge in early market trading following the news.

This surge further underscores the market’s confidence in the company’s strategic direction and its potential to disrupt traditional financial services.

Beyond the credit card venture, Robinhood has been steadily diversifying its offerings. With the introduction of retirement products and the expansion of commission-free trading services internationally, the company is positioning itself as a formidable player in the global finance landscape.

As Robinhood continues to innovate and expand its suite of services, its trajectory suggests a promising future as a leading force in democratizing access to financial tools and services.

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Telecommunications

NCC Files Copyright Infringement Charges Against MTN Nigeria and Others

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Karl O Toriola - Investorsking.com

The Nigerian Copyright Commission (NCC) has taken legal action against MTN Nigeria Communications Ltd. and four individuals, including its Chief Executive Officer, Karl Toriola, over alleged copyright infringement.

The charges, filed in the Federal High Court, Abuja Division, revolve around the unauthorized use of musical works belonging to artist Maleke Idowu Moye.

According to the NCC, the defendants are accused of offering for sale, selling, and trading musical works of Maleke without his consent between 2010 and 2017. These works were allegedly used as Caller Ring Back Tunes without proper authorization.

The musical pieces in question include popular tracks such as “911,” “Minimini-wanawana,” and “Stop racism,” among others.

The commission further alleges that the defendants distributed these musical works to subscribers without authorization, infringing upon the rights of the artist.

The charges are based on provisions of the Copyright Act, Cap. C28, Laws of the Federation of Nigeria, 2004.

As the case awaits assignment to a judge and a fixed date for mention, it marks a significant development in the ongoing efforts to uphold copyright protection in Nigeria’s telecommunications sector.

This legal action underscores the NCC’s commitment to safeguarding the intellectual property rights of artists and creators within the country.

MTN Nigeria, a major player in the telecommunications industry, now faces a legal battle that could have broader implications for how intellectual property rights are respected and enforced within Nigeria’s digital landscape.

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Telecommunications

MTN’s MoMo Sees 32.2% Surge in Transaction Volumes

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MTN Nigeria - Investors King

MTN Group’s mobile money platform, MoMo, has experienced a 32.2% surge in transaction volumes.

With 72.5 million active users, MoMo continues to solidify its position as a leading fintech service provider in Africa, tapping into the continent’s burgeoning mobile banking sector.

The company’s success underscores the growing trend of Africa’s young and tech-savvy population embracing mobile technology to address financial needs.

Mobile phones are increasingly becoming a tool for bridging gaps in services, particularly in banking, presenting a lucrative opportunity for wireless carriers like MTN to capitalize on the burgeoning fintech market.

MTN’s achievement comes as it finalizes a deal with Mastercard Inc., valuing its fintech business at an impressive $5.2 billion.

This strategic partnership further enhances MTN’s position in the digital finance space, positioning it for continued growth and innovation.

However, MTN is not alone in its fintech endeavors. Rivals such as Airtel Africa Plc, Safaricom Plc, and Vodacom Group Ltd. are also making strides in digital transformation, with plans to separate and monetize their fintech businesses in the long term.

Airtel Africa, for instance, is reportedly considering an IPO for its mobile money unit, indicating the high stakes and intense competition within the sector.

Despite the remarkable success in its fintech ventures, MTN faced challenges in its core telecommunications business, with service revenue growth slowing to 6.8%.

Inflation and currency devaluation in key markets, particularly Nigeria, impacted profitability, highlighting the complexities of operating in diverse African markets.

As MTN continues to expand its fintech footprint and invest in infrastructure to enhance connectivity across the continent, it remains poised to capitalize on the immense potential of Africa’s digital economy.

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