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June 2022
YOJANA
Volume-66
No. 06
A DEVELOPMENT MONTHLY
Let noble thoughts come to us from all sides.
Rig Veda
Website: www.publicationsdivision.nic.in
@DPD_India
@publicationsdivision
@dpd_india
Editor 
Shuchita chaturvedi
Joint dirEctor, Production 
d K c hrudhainath
c ovEr dEsign
Bindu verma
ouR RepResentatIves 
Ahmedabad: Janhavi Patel, Bengaluru: BK Kiranmai, 
Bhubaneswar: Itishree Singh Rathaur, Chennai: 
Sanjay Ghosh, Guwahati: Maruf Alam, Hyderabad: 
Krishna Vandana P , Jalandhar: Gagandeep Kaur 
Devgan, Kolkata: Khurshid Mallick, Mumbai: Umesh 
Ujgare: Thiruvananthapuram: Roy Chacko.
Yojana (english): Room No. 647, Soochna Bhawan, 
CGO Complex, Lodhi Road, New Delhi-110 003.  
e-mail (editorial): sec-yojanaeng-moib@gov.in
YOJANA, a development monthly published since 
1957, is a theme-based journal providing in-depth 
analyses and views on socio-economic issues in 
the broader framework of government policies. 
Although published by the Ministry of Information 
and Broadcasting, YOJANA is not restricted to 
expressing the official point of view.
diScLaimer
l 	 The	 vie ws	 e xpressed	 in	 various	 articles	 are	
those	 of	 the	 authors	 and	 the y	 do	 not	 nec essarily	
re flect	 the	 vie ws	 of	 the	 Go vernmen t	 or	 the	
organisation/ s	the y	work	f or .
l Map s/flags	 used	 in	 the	 articles	 are	 only	
indic ative	 and	 the y	 do	 not	 re flect	 the	 politic al	
map	 or	 legal	 represen t ation	 of	 the	 flag	 of	 India /
an y	other	c oun tr y .
l The	 inf ographics/fig ures	 are	 pro vided	 b y	 the	
authors	 through	 their	 reliable	 sourc es	 and	
YOJANA 	 claims	 no	 re sponsibility 	 f or	 the	 same.
l Images,	 graphics	 and	 illus trations,	 whe re ver	
used,	 are	 mos tly	 sourc ed	 from	 go vernme n t	
channels	and	are	indic ative	in	nature.
l YOJANA 	 does	 not	 o wn	 responsi bility	
regarding	 the	 c on t en ts	 of	 the	 advertisemen ts.	
The	 re aders	 are	 reque s t ed	 t o	 verif y	 the	 claim s	
made	 in	 the	 advertisemen ts	 regarding	 c ourses,	
c areer -guidanc e	book s	or	ins titutions.
l YOJANA doesn't 	 e ndorse 	 or 	 promot e 	 an y 	 brands	
or 	 privat e 	 e n tities 	 presen t e d 	 as 	 c ase 	 s tudies 	 in 	 an y	 
of 	 the 	 article s.
SuBScriP tiOn/Grievance S
email: pdjucir@gmail.com 
Phone: 011-24367453  
(monday-Friday, 9:30 am- 6:00 pm)
Postal address: abhishek chaturvedi, Editor, 
Journals Unit, Publications Division, Room No. 
779, Soochna Bhawan, CGO Complex, Lodhi 
Road, New Delhi-110 003.
Please	 not e	 that	 it	 will	 t ak e	 atleas t	 eigh t	
week s	 t o	 s t art	 your	 sub scrip tion.	 Kindly	 raise	 
your	 queries/grie vanc es	 about	 non	 rec eip t	 of	 the	
journals	only	aft er	this	period.
in thiS iSSue
number of pages: 60
Next Issue - triB aLS in india
Details of the sales Outlets of the Publications Division on Page 29
YOJANA is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, 
Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu.
re GuLar S
deveLOPment rO admaP : capacity Building commission ................................. 14
dO YOu KnO w? moorhen Yoga mats ................................................................... 50
Our BOOKS : Great masters of indian cinema .............................................. Cover-III
DECODING MODERN TECH TERMS 
Balendu Sharma Dadhich ..................7
Lead articLe
DIGITAL DISRUPTOR 
Dr Saurabh Garg .............................11
FOcuS
AI AND MACHINE LEARNING 
Hindol Sengupta, Bhavya Tyagi ........23
NFT ExPLAINED 
Charmie Parekh ..............................35
SPeciaL articLe
ACCESSIBLE HEALTHCARE TO ALL 
Dr R S Sharma ................................47
AI IN EDUCATION 
Dr G P Dang, Priyanka Sharma ........... 27
GOVERNANCE MILESTONES:
JAN SURAKSHA ............................ 30
DEEP-TECH STARTUP ECOSySTEM 
R Raghuttama Rao  ........................... 17
Since 1957
ADVANCEMENTS IN MEDICINE 
Jayanthi Rangarajan ........................... 53
TECH-INNOVATION IN BANKING 
Manjula Wadhwa ............................. 41
Page 2


June 2022
YOJANA
Volume-66
No. 06
A DEVELOPMENT MONTHLY
Let noble thoughts come to us from all sides.
Rig Veda
Website: www.publicationsdivision.nic.in
@DPD_India
@publicationsdivision
@dpd_india
Editor 
Shuchita chaturvedi
Joint dirEctor, Production 
d K c hrudhainath
c ovEr dEsign
Bindu verma
ouR RepResentatIves 
Ahmedabad: Janhavi Patel, Bengaluru: BK Kiranmai, 
Bhubaneswar: Itishree Singh Rathaur, Chennai: 
Sanjay Ghosh, Guwahati: Maruf Alam, Hyderabad: 
Krishna Vandana P , Jalandhar: Gagandeep Kaur 
Devgan, Kolkata: Khurshid Mallick, Mumbai: Umesh 
Ujgare: Thiruvananthapuram: Roy Chacko.
Yojana (english): Room No. 647, Soochna Bhawan, 
CGO Complex, Lodhi Road, New Delhi-110 003.  
e-mail (editorial): sec-yojanaeng-moib@gov.in
YOJANA, a development monthly published since 
1957, is a theme-based journal providing in-depth 
analyses and views on socio-economic issues in 
the broader framework of government policies. 
Although published by the Ministry of Information 
and Broadcasting, YOJANA is not restricted to 
expressing the official point of view.
diScLaimer
l 	 The	 vie ws	 e xpressed	 in	 various	 articles	 are	
those	 of	 the	 authors	 and	 the y	 do	 not	 nec essarily	
re flect	 the	 vie ws	 of	 the	 Go vernmen t	 or	 the	
organisation/ s	the y	work	f or .
l Map s/flags	 used	 in	 the	 articles	 are	 only	
indic ative	 and	 the y	 do	 not	 re flect	 the	 politic al	
map	 or	 legal	 represen t ation	 of	 the	 flag	 of	 India /
an y	other	c oun tr y .
l The	 inf ographics/fig ures	 are	 pro vided	 b y	 the	
authors	 through	 their	 reliable	 sourc es	 and	
YOJANA 	 claims	 no	 re sponsibility 	 f or	 the	 same.
l Images,	 graphics	 and	 illus trations,	 whe re ver	
used,	 are	 mos tly	 sourc ed	 from	 go vernme n t	
channels	and	are	indic ative	in	nature.
l YOJANA 	 does	 not	 o wn	 responsi bility	
regarding	 the	 c on t en ts	 of	 the	 advertisemen ts.	
The	 re aders	 are	 reque s t ed	 t o	 verif y	 the	 claim s	
made	 in	 the	 advertisemen ts	 regarding	 c ourses,	
c areer -guidanc e	book s	or	ins titutions.
l YOJANA doesn't 	 e ndorse 	 or 	 promot e 	 an y 	 brands	
or 	 privat e 	 e n tities 	 presen t e d 	 as 	 c ase 	 s tudies 	 in 	 an y	 
of 	 the 	 article s.
SuBScriP tiOn/Grievance S
email: pdjucir@gmail.com 
Phone: 011-24367453  
(monday-Friday, 9:30 am- 6:00 pm)
Postal address: abhishek chaturvedi, Editor, 
Journals Unit, Publications Division, Room No. 
779, Soochna Bhawan, CGO Complex, Lodhi 
Road, New Delhi-110 003.
Please	 not e	 that	 it	 will	 t ak e	 atleas t	 eigh t	
week s	 t o	 s t art	 your	 sub scrip tion.	 Kindly	 raise	 
your	 queries/grie vanc es	 about	 non	 rec eip t	 of	 the	
journals	only	aft er	this	period.
in thiS iSSue
number of pages: 60
Next Issue - triB aLS in india
Details of the sales Outlets of the Publications Division on Page 29
YOJANA is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, 
Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu.
re GuLar S
deveLOPment rO admaP : capacity Building commission ................................. 14
dO YOu KnO w? moorhen Yoga mats ................................................................... 50
Our BOOKS : Great masters of indian cinema .............................................. Cover-III
DECODING MODERN TECH TERMS 
Balendu Sharma Dadhich ..................7
Lead articLe
DIGITAL DISRUPTOR 
Dr Saurabh Garg .............................11
FOcuS
AI AND MACHINE LEARNING 
Hindol Sengupta, Bhavya Tyagi ........23
NFT ExPLAINED 
Charmie Parekh ..............................35
SPeciaL articLe
ACCESSIBLE HEALTHCARE TO ALL 
Dr R S Sharma ................................47
AI IN EDUCATION 
Dr G P Dang, Priyanka Sharma ........... 27
GOVERNANCE MILESTONES:
JAN SURAKSHA ............................ 30
DEEP-TECH STARTUP ECOSySTEM 
R Raghuttama Rao  ........................... 17
Since 1957
ADVANCEMENTS IN MEDICINE 
Jayanthi Rangarajan ........................... 53
TECH-INNOVATION IN BANKING 
Manjula Wadhwa ............................. 41
YOJANA   June 2022 5
Editorial
YOJANA
The ‘Techade’
T
he evolution of novel technologies is opening a doorway to a multitude of 
possibilities. The opportunities it offers is almost to the level of witnessing the 
Fourth Industrial Revolution. These technologies are turning out to be an indispensable 
part of our everyday lives. The use of AI, Cloud Computing, Blockchain, Quantum 
Computing, NFTs, and Metaverse are captivating us with their infinite scope and 
future. Conventional banking, medicine, agriculture, and other fields are witnessing a 
transformation with the advent of newer tech solutions. 
Digital services are proving to be less complex and more effective along with 
ensuring transparency in the governance and service delivery. AI, Deep Machine 
Learning, Big Data, and Robotics are used in the banking and financial sectors to 
understand the needs of customers better. Digital technology eases our lives at every 
step. It is used by the government and the public sector to ensure transparency and 
accountability of governance, meet the increased demand for digital services among 
citizens, and to provide more simplified and high-quality services. Digital India 
Mission and digital transactions are at the foundation of India’s digital economy. 
Aadhaar Enabled Payment System is playing a crucial role in the financial inclusion 
of people not enroled in formal banking. Another landmark change is brought out through the Direct Benefit Transfer 
System— it prevents financial leakage by directly transferring the benefits of the social security schemes to the beneficiary 
accounts. Aadhaar is ensuring ‘Digital Inclusion’, thus enabling social empowerment. 
With the advent of AI/Machine Learning, IoT, 5G, Augmented Reality, Big Data, Nanotechnology, Robotics, 
and 3D printing— the society is altering en masse the functional, strategic, and operational landscape across various 
industries. Industry 4.0 is set to usher in an era of technologies that will completely alter how we interact with the 
world around us.
The US recently announced a new policy framework for quantum information sciences and to mitigate the risks 
of quantum computers to cyber, economic, and national security through quantum-resistant cryptography. El Salvador, 
where Bitcoin is a legal tender, is attempting to build the world’s first “Bitcoin City.” It is claimed that it would get 
geothermal power from a volcano. Various advanced technologies are capable of addressing and overcoming adversities 
worldwide in different sectors such as water, energy, waste management, infrastructure, transportation, real estate, and 
urban planning. Also, the professionals need to be up-skilled and re-skilled in the wake of concerns over unemployment 
or job displacement due to the deployment of New-age Technology.
India is establishing the quantum computing capability and chip-making prowess to integrate these systems on the 
front-end and back-end. It is one of the largest smartphone manufacturers in the world. It has impressive drone and 
robotics industries; along with a new semiconductor programme as a part of its economy. Blockchain, AI and machine 
learning, and other such technologies are the analytical softwares that complement the hardware. India is a world-leading 
destination for Software as a Service (SaaS) companies. Therefore, the growing demand of AI and associated technologies 
can only boost India’s existing tech prowess. New-age tech including Artificial Intelligence (AI), Robotics, 3D printing, 
Data Science, etc., found its applicability in almost all the specialties of the medical field, not only in diagnostics and 
therapeutics but also in imparting medical education.
Technology is an asset for humanity as it enhances productivity, generates more wealth, and accelerates global 
economic growth when it is aptly combined with the appropriate public policy measures. In order to maximise the benefits 
of technological advancements in this ‘Techade’– Decade of Technology, closing the digital divide is of paramount 
importance.                                                                                                                                                                            ?
Page 3


June 2022
YOJANA
Volume-66
No. 06
A DEVELOPMENT MONTHLY
Let noble thoughts come to us from all sides.
Rig Veda
Website: www.publicationsdivision.nic.in
@DPD_India
@publicationsdivision
@dpd_india
Editor 
Shuchita chaturvedi
Joint dirEctor, Production 
d K c hrudhainath
c ovEr dEsign
Bindu verma
ouR RepResentatIves 
Ahmedabad: Janhavi Patel, Bengaluru: BK Kiranmai, 
Bhubaneswar: Itishree Singh Rathaur, Chennai: 
Sanjay Ghosh, Guwahati: Maruf Alam, Hyderabad: 
Krishna Vandana P , Jalandhar: Gagandeep Kaur 
Devgan, Kolkata: Khurshid Mallick, Mumbai: Umesh 
Ujgare: Thiruvananthapuram: Roy Chacko.
Yojana (english): Room No. 647, Soochna Bhawan, 
CGO Complex, Lodhi Road, New Delhi-110 003.  
e-mail (editorial): sec-yojanaeng-moib@gov.in
YOJANA, a development monthly published since 
1957, is a theme-based journal providing in-depth 
analyses and views on socio-economic issues in 
the broader framework of government policies. 
Although published by the Ministry of Information 
and Broadcasting, YOJANA is not restricted to 
expressing the official point of view.
diScLaimer
l 	 The	 vie ws	 e xpressed	 in	 various	 articles	 are	
those	 of	 the	 authors	 and	 the y	 do	 not	 nec essarily	
re flect	 the	 vie ws	 of	 the	 Go vernmen t	 or	 the	
organisation/ s	the y	work	f or .
l Map s/flags	 used	 in	 the	 articles	 are	 only	
indic ative	 and	 the y	 do	 not	 re flect	 the	 politic al	
map	 or	 legal	 represen t ation	 of	 the	 flag	 of	 India /
an y	other	c oun tr y .
l The	 inf ographics/fig ures	 are	 pro vided	 b y	 the	
authors	 through	 their	 reliable	 sourc es	 and	
YOJANA 	 claims	 no	 re sponsibility 	 f or	 the	 same.
l Images,	 graphics	 and	 illus trations,	 whe re ver	
used,	 are	 mos tly	 sourc ed	 from	 go vernme n t	
channels	and	are	indic ative	in	nature.
l YOJANA 	 does	 not	 o wn	 responsi bility	
regarding	 the	 c on t en ts	 of	 the	 advertisemen ts.	
The	 re aders	 are	 reque s t ed	 t o	 verif y	 the	 claim s	
made	 in	 the	 advertisemen ts	 regarding	 c ourses,	
c areer -guidanc e	book s	or	ins titutions.
l YOJANA doesn't 	 e ndorse 	 or 	 promot e 	 an y 	 brands	
or 	 privat e 	 e n tities 	 presen t e d 	 as 	 c ase 	 s tudies 	 in 	 an y	 
of 	 the 	 article s.
SuBScriP tiOn/Grievance S
email: pdjucir@gmail.com 
Phone: 011-24367453  
(monday-Friday, 9:30 am- 6:00 pm)
Postal address: abhishek chaturvedi, Editor, 
Journals Unit, Publications Division, Room No. 
779, Soochna Bhawan, CGO Complex, Lodhi 
Road, New Delhi-110 003.
Please	 not e	 that	 it	 will	 t ak e	 atleas t	 eigh t	
week s	 t o	 s t art	 your	 sub scrip tion.	 Kindly	 raise	 
your	 queries/grie vanc es	 about	 non	 rec eip t	 of	 the	
journals	only	aft er	this	period.
in thiS iSSue
number of pages: 60
Next Issue - triB aLS in india
Details of the sales Outlets of the Publications Division on Page 29
YOJANA is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, 
Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu.
re GuLar S
deveLOPment rO admaP : capacity Building commission ................................. 14
dO YOu KnO w? moorhen Yoga mats ................................................................... 50
Our BOOKS : Great masters of indian cinema .............................................. Cover-III
DECODING MODERN TECH TERMS 
Balendu Sharma Dadhich ..................7
Lead articLe
DIGITAL DISRUPTOR 
Dr Saurabh Garg .............................11
FOcuS
AI AND MACHINE LEARNING 
Hindol Sengupta, Bhavya Tyagi ........23
NFT ExPLAINED 
Charmie Parekh ..............................35
SPeciaL articLe
ACCESSIBLE HEALTHCARE TO ALL 
Dr R S Sharma ................................47
AI IN EDUCATION 
Dr G P Dang, Priyanka Sharma ........... 27
GOVERNANCE MILESTONES:
JAN SURAKSHA ............................ 30
DEEP-TECH STARTUP ECOSySTEM 
R Raghuttama Rao  ........................... 17
Since 1957
ADVANCEMENTS IN MEDICINE 
Jayanthi Rangarajan ........................... 53
TECH-INNOVATION IN BANKING 
Manjula Wadhwa ............................. 41
YOJANA   June 2022 5
Editorial
YOJANA
The ‘Techade’
T
he evolution of novel technologies is opening a doorway to a multitude of 
possibilities. The opportunities it offers is almost to the level of witnessing the 
Fourth Industrial Revolution. These technologies are turning out to be an indispensable 
part of our everyday lives. The use of AI, Cloud Computing, Blockchain, Quantum 
Computing, NFTs, and Metaverse are captivating us with their infinite scope and 
future. Conventional banking, medicine, agriculture, and other fields are witnessing a 
transformation with the advent of newer tech solutions. 
Digital services are proving to be less complex and more effective along with 
ensuring transparency in the governance and service delivery. AI, Deep Machine 
Learning, Big Data, and Robotics are used in the banking and financial sectors to 
understand the needs of customers better. Digital technology eases our lives at every 
step. It is used by the government and the public sector to ensure transparency and 
accountability of governance, meet the increased demand for digital services among 
citizens, and to provide more simplified and high-quality services. Digital India 
Mission and digital transactions are at the foundation of India’s digital economy. 
Aadhaar Enabled Payment System is playing a crucial role in the financial inclusion 
of people not enroled in formal banking. Another landmark change is brought out through the Direct Benefit Transfer 
System— it prevents financial leakage by directly transferring the benefits of the social security schemes to the beneficiary 
accounts. Aadhaar is ensuring ‘Digital Inclusion’, thus enabling social empowerment. 
With the advent of AI/Machine Learning, IoT, 5G, Augmented Reality, Big Data, Nanotechnology, Robotics, 
and 3D printing— the society is altering en masse the functional, strategic, and operational landscape across various 
industries. Industry 4.0 is set to usher in an era of technologies that will completely alter how we interact with the 
world around us.
The US recently announced a new policy framework for quantum information sciences and to mitigate the risks 
of quantum computers to cyber, economic, and national security through quantum-resistant cryptography. El Salvador, 
where Bitcoin is a legal tender, is attempting to build the world’s first “Bitcoin City.” It is claimed that it would get 
geothermal power from a volcano. Various advanced technologies are capable of addressing and overcoming adversities 
worldwide in different sectors such as water, energy, waste management, infrastructure, transportation, real estate, and 
urban planning. Also, the professionals need to be up-skilled and re-skilled in the wake of concerns over unemployment 
or job displacement due to the deployment of New-age Technology.
India is establishing the quantum computing capability and chip-making prowess to integrate these systems on the 
front-end and back-end. It is one of the largest smartphone manufacturers in the world. It has impressive drone and 
robotics industries; along with a new semiconductor programme as a part of its economy. Blockchain, AI and machine 
learning, and other such technologies are the analytical softwares that complement the hardware. India is a world-leading 
destination for Software as a Service (SaaS) companies. Therefore, the growing demand of AI and associated technologies 
can only boost India’s existing tech prowess. New-age tech including Artificial Intelligence (AI), Robotics, 3D printing, 
Data Science, etc., found its applicability in almost all the specialties of the medical field, not only in diagnostics and 
therapeutics but also in imparting medical education.
Technology is an asset for humanity as it enhances productivity, generates more wealth, and accelerates global 
economic growth when it is aptly combined with the appropriate public policy measures. In order to maximise the benefits 
of technological advancements in this ‘Techade’– Decade of Technology, closing the digital divide is of paramount 
importance.                                                                                                                                                                            ?
YOJANA   June 2022 7
ith the new-age technology, we are 
in a world of infinite possibilities. A 
metaverse of myriad avenues is waiting 
to be explored to its full potential. Let us 
understand the scope and opportunities of some of these 
interesting technologies and disruptors.
Blockchain
Blockchain refers to a system whereby information 
about transactions is stored on countless computers 
spread across the globe. It is considered as an alternative 
to the conventional banking system. Notice what 
happens when you transfer money to someone through 
your bank account or apps like Paytm. That money is 
deducted from the amount kept in your account in that 
bank, and the same money is added to the account of 
the other person in another bank. Both the banks use a 
ledger that keeps the details of the money transactions 
between you two.
Along with banks, this also applies to mobile 
payment systems. The role of the bank in this process 
is to save money and keep details of the transactions. 
The bank certifies how much money is in your account 
and to whom you have given or taken the money from. 
What if the same thing is done without the bank? This is 
the vision behind Blockchain. Under this, transactions 
of a similar kind are recorded on computers worldwide, 
and this system has nothing to do with the banks. The 
information stored under the Blockchain is even more 
secure than our banking system because countless 
copies of that information are kept on computers around 
the world. No one can hack so many computers. The 
cryptocurrency, which is much talked about nowadays, 
has its transactions done through this blockchain system. 
 Decoding Modern Tech Terms
Balendu Sharma Dadhich
This is the era of path-breaking innovation, invention, and products showcasing the use of 
technology. These products startle us with their capabilities and possibilities. While Artificial 
Intelligence, Quantum Computing, Cloud Computing, and Blockchain were making a mark till 
recently, NFTs and Metaverse are added to the list of these buzzwords. 
Buzzwords 
W
The author is a technology expert. Email: balendu@gmail.com
NFTs
The success of blockchain as an independent means 
of storing and authenticating information has created 
many more innovations. One of these is the Non-
Fungible Token, or NFT. Here, the information is stored 
in the blockchain system itself, especially in a system 
called ethereum. We know about cryptocurrencies and 
know that if we have purchased cryptocurrencies, its 
account will be kept in the blockchain. But let’s say 
you have not bought cryptocurrency, but an expensive 
original painting, something of historical importance, 
or memorabilia (such as a special attire worn by a 
celebrity). It is something which is unique in the entire 
world. How can you prove you are the owner of that 
item and it is the real thing and not a fake copy of it? 
Presently, there is no provision for this except that the 
organisation from where you have bought it can give 
you a certificate of ownership or get it stamped as an 
original by giving an affidavit in court. Imagine what it 
would be like if a technology platform could store and 
authenticate information about such unique things. This 
platform is NFT.
Under a Non-Fungible Token system, a kind of digital 
certificate is issued that such an original thing, unique 
in the world, is owned by you. This digital certificate 
cannot be tampered with. NFTs can be associated with 
physical assets and virtual or digital assets. Some time 
ago, you may have read the news that Jack Dorsey, 
Founder of Twitter, sold the first tweet he ever posted 
through NFT for USD 2.9 million. You may ask– how 
can one sell a post made on a digital platform? Anyone 
can copy it, take its screenshot or create a similar post. 
And how to prove that it is the same original note as it 
Page 4


June 2022
YOJANA
Volume-66
No. 06
A DEVELOPMENT MONTHLY
Let noble thoughts come to us from all sides.
Rig Veda
Website: www.publicationsdivision.nic.in
@DPD_India
@publicationsdivision
@dpd_india
Editor 
Shuchita chaturvedi
Joint dirEctor, Production 
d K c hrudhainath
c ovEr dEsign
Bindu verma
ouR RepResentatIves 
Ahmedabad: Janhavi Patel, Bengaluru: BK Kiranmai, 
Bhubaneswar: Itishree Singh Rathaur, Chennai: 
Sanjay Ghosh, Guwahati: Maruf Alam, Hyderabad: 
Krishna Vandana P , Jalandhar: Gagandeep Kaur 
Devgan, Kolkata: Khurshid Mallick, Mumbai: Umesh 
Ujgare: Thiruvananthapuram: Roy Chacko.
Yojana (english): Room No. 647, Soochna Bhawan, 
CGO Complex, Lodhi Road, New Delhi-110 003.  
e-mail (editorial): sec-yojanaeng-moib@gov.in
YOJANA, a development monthly published since 
1957, is a theme-based journal providing in-depth 
analyses and views on socio-economic issues in 
the broader framework of government policies. 
Although published by the Ministry of Information 
and Broadcasting, YOJANA is not restricted to 
expressing the official point of view.
diScLaimer
l 	 The	 vie ws	 e xpressed	 in	 various	 articles	 are	
those	 of	 the	 authors	 and	 the y	 do	 not	 nec essarily	
re flect	 the	 vie ws	 of	 the	 Go vernmen t	 or	 the	
organisation/ s	the y	work	f or .
l Map s/flags	 used	 in	 the	 articles	 are	 only	
indic ative	 and	 the y	 do	 not	 re flect	 the	 politic al	
map	 or	 legal	 represen t ation	 of	 the	 flag	 of	 India /
an y	other	c oun tr y .
l The	 inf ographics/fig ures	 are	 pro vided	 b y	 the	
authors	 through	 their	 reliable	 sourc es	 and	
YOJANA 	 claims	 no	 re sponsibility 	 f or	 the	 same.
l Images,	 graphics	 and	 illus trations,	 whe re ver	
used,	 are	 mos tly	 sourc ed	 from	 go vernme n t	
channels	and	are	indic ative	in	nature.
l YOJANA 	 does	 not	 o wn	 responsi bility	
regarding	 the	 c on t en ts	 of	 the	 advertisemen ts.	
The	 re aders	 are	 reque s t ed	 t o	 verif y	 the	 claim s	
made	 in	 the	 advertisemen ts	 regarding	 c ourses,	
c areer -guidanc e	book s	or	ins titutions.
l YOJANA doesn't 	 e ndorse 	 or 	 promot e 	 an y 	 brands	
or 	 privat e 	 e n tities 	 presen t e d 	 as 	 c ase 	 s tudies 	 in 	 an y	 
of 	 the 	 article s.
SuBScriP tiOn/Grievance S
email: pdjucir@gmail.com 
Phone: 011-24367453  
(monday-Friday, 9:30 am- 6:00 pm)
Postal address: abhishek chaturvedi, Editor, 
Journals Unit, Publications Division, Room No. 
779, Soochna Bhawan, CGO Complex, Lodhi 
Road, New Delhi-110 003.
Please	 not e	 that	 it	 will	 t ak e	 atleas t	 eigh t	
week s	 t o	 s t art	 your	 sub scrip tion.	 Kindly	 raise	 
your	 queries/grie vanc es	 about	 non	 rec eip t	 of	 the	
journals	only	aft er	this	period.
in thiS iSSue
number of pages: 60
Next Issue - triB aLS in india
Details of the sales Outlets of the Publications Division on Page 29
YOJANA is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, 
Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu.
re GuLar S
deveLOPment rO admaP : capacity Building commission ................................. 14
dO YOu KnO w? moorhen Yoga mats ................................................................... 50
Our BOOKS : Great masters of indian cinema .............................................. Cover-III
DECODING MODERN TECH TERMS 
Balendu Sharma Dadhich ..................7
Lead articLe
DIGITAL DISRUPTOR 
Dr Saurabh Garg .............................11
FOcuS
AI AND MACHINE LEARNING 
Hindol Sengupta, Bhavya Tyagi ........23
NFT ExPLAINED 
Charmie Parekh ..............................35
SPeciaL articLe
ACCESSIBLE HEALTHCARE TO ALL 
Dr R S Sharma ................................47
AI IN EDUCATION 
Dr G P Dang, Priyanka Sharma ........... 27
GOVERNANCE MILESTONES:
JAN SURAKSHA ............................ 30
DEEP-TECH STARTUP ECOSySTEM 
R Raghuttama Rao  ........................... 17
Since 1957
ADVANCEMENTS IN MEDICINE 
Jayanthi Rangarajan ........................... 53
TECH-INNOVATION IN BANKING 
Manjula Wadhwa ............................. 41
YOJANA   June 2022 5
Editorial
YOJANA
The ‘Techade’
T
he evolution of novel technologies is opening a doorway to a multitude of 
possibilities. The opportunities it offers is almost to the level of witnessing the 
Fourth Industrial Revolution. These technologies are turning out to be an indispensable 
part of our everyday lives. The use of AI, Cloud Computing, Blockchain, Quantum 
Computing, NFTs, and Metaverse are captivating us with their infinite scope and 
future. Conventional banking, medicine, agriculture, and other fields are witnessing a 
transformation with the advent of newer tech solutions. 
Digital services are proving to be less complex and more effective along with 
ensuring transparency in the governance and service delivery. AI, Deep Machine 
Learning, Big Data, and Robotics are used in the banking and financial sectors to 
understand the needs of customers better. Digital technology eases our lives at every 
step. It is used by the government and the public sector to ensure transparency and 
accountability of governance, meet the increased demand for digital services among 
citizens, and to provide more simplified and high-quality services. Digital India 
Mission and digital transactions are at the foundation of India’s digital economy. 
Aadhaar Enabled Payment System is playing a crucial role in the financial inclusion 
of people not enroled in formal banking. Another landmark change is brought out through the Direct Benefit Transfer 
System— it prevents financial leakage by directly transferring the benefits of the social security schemes to the beneficiary 
accounts. Aadhaar is ensuring ‘Digital Inclusion’, thus enabling social empowerment. 
With the advent of AI/Machine Learning, IoT, 5G, Augmented Reality, Big Data, Nanotechnology, Robotics, 
and 3D printing— the society is altering en masse the functional, strategic, and operational landscape across various 
industries. Industry 4.0 is set to usher in an era of technologies that will completely alter how we interact with the 
world around us.
The US recently announced a new policy framework for quantum information sciences and to mitigate the risks 
of quantum computers to cyber, economic, and national security through quantum-resistant cryptography. El Salvador, 
where Bitcoin is a legal tender, is attempting to build the world’s first “Bitcoin City.” It is claimed that it would get 
geothermal power from a volcano. Various advanced technologies are capable of addressing and overcoming adversities 
worldwide in different sectors such as water, energy, waste management, infrastructure, transportation, real estate, and 
urban planning. Also, the professionals need to be up-skilled and re-skilled in the wake of concerns over unemployment 
or job displacement due to the deployment of New-age Technology.
India is establishing the quantum computing capability and chip-making prowess to integrate these systems on the 
front-end and back-end. It is one of the largest smartphone manufacturers in the world. It has impressive drone and 
robotics industries; along with a new semiconductor programme as a part of its economy. Blockchain, AI and machine 
learning, and other such technologies are the analytical softwares that complement the hardware. India is a world-leading 
destination for Software as a Service (SaaS) companies. Therefore, the growing demand of AI and associated technologies 
can only boost India’s existing tech prowess. New-age tech including Artificial Intelligence (AI), Robotics, 3D printing, 
Data Science, etc., found its applicability in almost all the specialties of the medical field, not only in diagnostics and 
therapeutics but also in imparting medical education.
Technology is an asset for humanity as it enhances productivity, generates more wealth, and accelerates global 
economic growth when it is aptly combined with the appropriate public policy measures. In order to maximise the benefits 
of technological advancements in this ‘Techade’– Decade of Technology, closing the digital divide is of paramount 
importance.                                                                                                                                                                            ?
YOJANA   June 2022 7
ith the new-age technology, we are 
in a world of infinite possibilities. A 
metaverse of myriad avenues is waiting 
to be explored to its full potential. Let us 
understand the scope and opportunities of some of these 
interesting technologies and disruptors.
Blockchain
Blockchain refers to a system whereby information 
about transactions is stored on countless computers 
spread across the globe. It is considered as an alternative 
to the conventional banking system. Notice what 
happens when you transfer money to someone through 
your bank account or apps like Paytm. That money is 
deducted from the amount kept in your account in that 
bank, and the same money is added to the account of 
the other person in another bank. Both the banks use a 
ledger that keeps the details of the money transactions 
between you two.
Along with banks, this also applies to mobile 
payment systems. The role of the bank in this process 
is to save money and keep details of the transactions. 
The bank certifies how much money is in your account 
and to whom you have given or taken the money from. 
What if the same thing is done without the bank? This is 
the vision behind Blockchain. Under this, transactions 
of a similar kind are recorded on computers worldwide, 
and this system has nothing to do with the banks. The 
information stored under the Blockchain is even more 
secure than our banking system because countless 
copies of that information are kept on computers around 
the world. No one can hack so many computers. The 
cryptocurrency, which is much talked about nowadays, 
has its transactions done through this blockchain system. 
 Decoding Modern Tech Terms
Balendu Sharma Dadhich
This is the era of path-breaking innovation, invention, and products showcasing the use of 
technology. These products startle us with their capabilities and possibilities. While Artificial 
Intelligence, Quantum Computing, Cloud Computing, and Blockchain were making a mark till 
recently, NFTs and Metaverse are added to the list of these buzzwords. 
Buzzwords 
W
The author is a technology expert. Email: balendu@gmail.com
NFTs
The success of blockchain as an independent means 
of storing and authenticating information has created 
many more innovations. One of these is the Non-
Fungible Token, or NFT. Here, the information is stored 
in the blockchain system itself, especially in a system 
called ethereum. We know about cryptocurrencies and 
know that if we have purchased cryptocurrencies, its 
account will be kept in the blockchain. But let’s say 
you have not bought cryptocurrency, but an expensive 
original painting, something of historical importance, 
or memorabilia (such as a special attire worn by a 
celebrity). It is something which is unique in the entire 
world. How can you prove you are the owner of that 
item and it is the real thing and not a fake copy of it? 
Presently, there is no provision for this except that the 
organisation from where you have bought it can give 
you a certificate of ownership or get it stamped as an 
original by giving an affidavit in court. Imagine what it 
would be like if a technology platform could store and 
authenticate information about such unique things. This 
platform is NFT.
Under a Non-Fungible Token system, a kind of digital 
certificate is issued that such an original thing, unique 
in the world, is owned by you. This digital certificate 
cannot be tampered with. NFTs can be associated with 
physical assets and virtual or digital assets. Some time 
ago, you may have read the news that Jack Dorsey, 
Founder of Twitter, sold the first tweet he ever posted 
through NFT for USD 2.9 million. You may ask– how 
can one sell a post made on a digital platform? Anyone 
can copy it, take its screenshot or create a similar post. 
And how to prove that it is the same original note as it 
8 YOJANA   June 2022
has not been kept as a printout? So the NFT proves that 
Jack Dorsey has sold this comment and is now owned 
by the CEO of a Malaysian cryptocurrency company. 
The price is for the information and certificate only. 
Now, no one else can sell it except its new owner. Even 
though millions of people retweeted the original tweet, 
anyone can copy it, but the post owned by that person 
will be considered original. The rest of the millions of 
tweets around the world will be considered copies. This 
digital certificate is not in the form of writing but in the 
form of a digital image, video, etc. The same is called 
Non-Fungible Token (NFT). Non fungible means that 
it is the only one in the world, i.e., unique. This digital 
asset has been created so that it cannot be copied, and 
therefore it is safe. There is an immense need for such 
NFTs (images, videos, animations, illustrations, etc.) in 
the form of certifications associated with such digital 
assets. Hence, technically proficient people are engaged 
in the manufacturing and trading of NFTs.
Metaverse
Metaverse means a parallel universe present in the 
digital world that contains most of the things that exist in 
our physical world. Accessing this virtual world requires 
the Internet and digital devices, just like you would 
access a video game. You present 
yourself as a digital person in the 
game, competing with other players, 
making friends, and engaging in other 
activities. You participate in the game 
from your laptop while others take 
part through gaming devices or mobile 
phones. If the same video game is 
expanded widely and countless people 
could access it digitally, it would be 
the metaverse. However, it will not 
merely be a gaming activity. There 
T
he Internet of Things or IoT simply means 
connecting various things of the world to the 
internet. IoT forms the network of physical objects 
i.e. things, enclosed with sensors, software, and 
other technologies for the purpose of connecting and 
exchanging data over the internet. These devices range 
from day-to-day objects to complex industrial tools. 
Everyday objects— household appliances, cars, etc., 
connected to the internet via embedded devices and 
seamless communication.
Minimal human intervention allows data to be 
shared and collected by means of low-cost computing, 
will be much more, such as various events, business, 
entertainment, meetings, etc. People like us will be 
there but in their virtual, digital avatars. Companies like 
Microsoft, Meta (Facebook), Decentraland, Nvidia, and 
Unity are engaged in making it a reality. Within the next 
five to ten years, such possibilities can open for all of 
us in the digital world that we can only imagine at the 
moment.
Quantum Computing
The Quantum computer is much talked about 
because of its infinite power. A quantum computer 
can perform calculations millions of times faster than 
a normal computer, and that is why it can prove to be 
a boon for humanity, but it can also give rise to new 
challenges. 
Traditional computers work based on a fundamental 
unit of binary digits (0 and 1) called ‘bit’. On the other 
hand, the Quantum computer adopts Qubit (Quantum 
Bit). While the bit value can be 0 or 1 only, the qubit 
value can be 0, 1, or both. Unlike traditional computers, 
quantum computers are not limited to just two states. 
Where transistors are used in normal computers— 
atoms, electrons, ions, photons, etc., are used in quantum 
computers which can be superimposed on each other. 
The working system of a quantum 
computer differs completely from 
the traditional computer, and its 
capacity is tens of millions of times 
more.
Let us understand it with an 
example. The information encrypted 
through an encryption system called 
RSA is so difficult to decode that 
if an attempt is made to crack this 
encryption with the help of ordinary 
computers, a very powerful computer 
The information stored under 
the Blockchain is even more 
secure than our banking system 
because countless copies of 
that information are kept on 
computers around the world. 
No one can hack so many 
computers.
the cloud, big data, analytics, and mobile technologies. 
Digital systems can record, monitor, and adjust every 
interaction between connected things. IoT can be put 
into three categories where— 1) information is collected 
and sent. For example, sensors allow us to automatically 
collect information from the environment which, in 
turn, allows us to make more intelligent decisions; 2), 
information is received and acted upon, like printers, 
and 3) doing both simultaneously. For example, sensors 
can collect information about the soil moisture to tell the 
farmer and the irrigation system can automatically turn 
on as needed, based on how much moisture is in the soil.
Internet of Things
Page 5


June 2022
YOJANA
Volume-66
No. 06
A DEVELOPMENT MONTHLY
Let noble thoughts come to us from all sides.
Rig Veda
Website: www.publicationsdivision.nic.in
@DPD_India
@publicationsdivision
@dpd_india
Editor 
Shuchita chaturvedi
Joint dirEctor, Production 
d K c hrudhainath
c ovEr dEsign
Bindu verma
ouR RepResentatIves 
Ahmedabad: Janhavi Patel, Bengaluru: BK Kiranmai, 
Bhubaneswar: Itishree Singh Rathaur, Chennai: 
Sanjay Ghosh, Guwahati: Maruf Alam, Hyderabad: 
Krishna Vandana P , Jalandhar: Gagandeep Kaur 
Devgan, Kolkata: Khurshid Mallick, Mumbai: Umesh 
Ujgare: Thiruvananthapuram: Roy Chacko.
Yojana (english): Room No. 647, Soochna Bhawan, 
CGO Complex, Lodhi Road, New Delhi-110 003.  
e-mail (editorial): sec-yojanaeng-moib@gov.in
YOJANA, a development monthly published since 
1957, is a theme-based journal providing in-depth 
analyses and views on socio-economic issues in 
the broader framework of government policies. 
Although published by the Ministry of Information 
and Broadcasting, YOJANA is not restricted to 
expressing the official point of view.
diScLaimer
l 	 The	 vie ws	 e xpressed	 in	 various	 articles	 are	
those	 of	 the	 authors	 and	 the y	 do	 not	 nec essarily	
re flect	 the	 vie ws	 of	 the	 Go vernmen t	 or	 the	
organisation/ s	the y	work	f or .
l Map s/flags	 used	 in	 the	 articles	 are	 only	
indic ative	 and	 the y	 do	 not	 re flect	 the	 politic al	
map	 or	 legal	 represen t ation	 of	 the	 flag	 of	 India /
an y	other	c oun tr y .
l The	 inf ographics/fig ures	 are	 pro vided	 b y	 the	
authors	 through	 their	 reliable	 sourc es	 and	
YOJANA 	 claims	 no	 re sponsibility 	 f or	 the	 same.
l Images,	 graphics	 and	 illus trations,	 whe re ver	
used,	 are	 mos tly	 sourc ed	 from	 go vernme n t	
channels	and	are	indic ative	in	nature.
l YOJANA 	 does	 not	 o wn	 responsi bility	
regarding	 the	 c on t en ts	 of	 the	 advertisemen ts.	
The	 re aders	 are	 reque s t ed	 t o	 verif y	 the	 claim s	
made	 in	 the	 advertisemen ts	 regarding	 c ourses,	
c areer -guidanc e	book s	or	ins titutions.
l YOJANA doesn't 	 e ndorse 	 or 	 promot e 	 an y 	 brands	
or 	 privat e 	 e n tities 	 presen t e d 	 as 	 c ase 	 s tudies 	 in 	 an y	 
of 	 the 	 article s.
SuBScriP tiOn/Grievance S
email: pdjucir@gmail.com 
Phone: 011-24367453  
(monday-Friday, 9:30 am- 6:00 pm)
Postal address: abhishek chaturvedi, Editor, 
Journals Unit, Publications Division, Room No. 
779, Soochna Bhawan, CGO Complex, Lodhi 
Road, New Delhi-110 003.
Please	 not e	 that	 it	 will	 t ak e	 atleas t	 eigh t	
week s	 t o	 s t art	 your	 sub scrip tion.	 Kindly	 raise	 
your	 queries/grie vanc es	 about	 non	 rec eip t	 of	 the	
journals	only	aft er	this	period.
in thiS iSSue
number of pages: 60
Next Issue - triB aLS in india
Details of the sales Outlets of the Publications Division on Page 29
YOJANA is published in Assamese, Bengali, English, Gujarati, Hindi, Kannada, Malayalam, 
Marathi, Odia, Punjabi, Tamil, Telugu, and Urdu.
re GuLar S
deveLOPment rO admaP : capacity Building commission ................................. 14
dO YOu KnO w? moorhen Yoga mats ................................................................... 50
Our BOOKS : Great masters of indian cinema .............................................. Cover-III
DECODING MODERN TECH TERMS 
Balendu Sharma Dadhich ..................7
Lead articLe
DIGITAL DISRUPTOR 
Dr Saurabh Garg .............................11
FOcuS
AI AND MACHINE LEARNING 
Hindol Sengupta, Bhavya Tyagi ........23
NFT ExPLAINED 
Charmie Parekh ..............................35
SPeciaL articLe
ACCESSIBLE HEALTHCARE TO ALL 
Dr R S Sharma ................................47
AI IN EDUCATION 
Dr G P Dang, Priyanka Sharma ........... 27
GOVERNANCE MILESTONES:
JAN SURAKSHA ............................ 30
DEEP-TECH STARTUP ECOSySTEM 
R Raghuttama Rao  ........................... 17
Since 1957
ADVANCEMENTS IN MEDICINE 
Jayanthi Rangarajan ........................... 53
TECH-INNOVATION IN BANKING 
Manjula Wadhwa ............................. 41
YOJANA   June 2022 5
Editorial
YOJANA
The ‘Techade’
T
he evolution of novel technologies is opening a doorway to a multitude of 
possibilities. The opportunities it offers is almost to the level of witnessing the 
Fourth Industrial Revolution. These technologies are turning out to be an indispensable 
part of our everyday lives. The use of AI, Cloud Computing, Blockchain, Quantum 
Computing, NFTs, and Metaverse are captivating us with their infinite scope and 
future. Conventional banking, medicine, agriculture, and other fields are witnessing a 
transformation with the advent of newer tech solutions. 
Digital services are proving to be less complex and more effective along with 
ensuring transparency in the governance and service delivery. AI, Deep Machine 
Learning, Big Data, and Robotics are used in the banking and financial sectors to 
understand the needs of customers better. Digital technology eases our lives at every 
step. It is used by the government and the public sector to ensure transparency and 
accountability of governance, meet the increased demand for digital services among 
citizens, and to provide more simplified and high-quality services. Digital India 
Mission and digital transactions are at the foundation of India’s digital economy. 
Aadhaar Enabled Payment System is playing a crucial role in the financial inclusion 
of people not enroled in formal banking. Another landmark change is brought out through the Direct Benefit Transfer 
System— it prevents financial leakage by directly transferring the benefits of the social security schemes to the beneficiary 
accounts. Aadhaar is ensuring ‘Digital Inclusion’, thus enabling social empowerment. 
With the advent of AI/Machine Learning, IoT, 5G, Augmented Reality, Big Data, Nanotechnology, Robotics, 
and 3D printing— the society is altering en masse the functional, strategic, and operational landscape across various 
industries. Industry 4.0 is set to usher in an era of technologies that will completely alter how we interact with the 
world around us.
The US recently announced a new policy framework for quantum information sciences and to mitigate the risks 
of quantum computers to cyber, economic, and national security through quantum-resistant cryptography. El Salvador, 
where Bitcoin is a legal tender, is attempting to build the world’s first “Bitcoin City.” It is claimed that it would get 
geothermal power from a volcano. Various advanced technologies are capable of addressing and overcoming adversities 
worldwide in different sectors such as water, energy, waste management, infrastructure, transportation, real estate, and 
urban planning. Also, the professionals need to be up-skilled and re-skilled in the wake of concerns over unemployment 
or job displacement due to the deployment of New-age Technology.
India is establishing the quantum computing capability and chip-making prowess to integrate these systems on the 
front-end and back-end. It is one of the largest smartphone manufacturers in the world. It has impressive drone and 
robotics industries; along with a new semiconductor programme as a part of its economy. Blockchain, AI and machine 
learning, and other such technologies are the analytical softwares that complement the hardware. India is a world-leading 
destination for Software as a Service (SaaS) companies. Therefore, the growing demand of AI and associated technologies 
can only boost India’s existing tech prowess. New-age tech including Artificial Intelligence (AI), Robotics, 3D printing, 
Data Science, etc., found its applicability in almost all the specialties of the medical field, not only in diagnostics and 
therapeutics but also in imparting medical education.
Technology is an asset for humanity as it enhances productivity, generates more wealth, and accelerates global 
economic growth when it is aptly combined with the appropriate public policy measures. In order to maximise the benefits 
of technological advancements in this ‘Techade’– Decade of Technology, closing the digital divide is of paramount 
importance.                                                                                                                                                                            ?
YOJANA   June 2022 7
ith the new-age technology, we are 
in a world of infinite possibilities. A 
metaverse of myriad avenues is waiting 
to be explored to its full potential. Let us 
understand the scope and opportunities of some of these 
interesting technologies and disruptors.
Blockchain
Blockchain refers to a system whereby information 
about transactions is stored on countless computers 
spread across the globe. It is considered as an alternative 
to the conventional banking system. Notice what 
happens when you transfer money to someone through 
your bank account or apps like Paytm. That money is 
deducted from the amount kept in your account in that 
bank, and the same money is added to the account of 
the other person in another bank. Both the banks use a 
ledger that keeps the details of the money transactions 
between you two.
Along with banks, this also applies to mobile 
payment systems. The role of the bank in this process 
is to save money and keep details of the transactions. 
The bank certifies how much money is in your account 
and to whom you have given or taken the money from. 
What if the same thing is done without the bank? This is 
the vision behind Blockchain. Under this, transactions 
of a similar kind are recorded on computers worldwide, 
and this system has nothing to do with the banks. The 
information stored under the Blockchain is even more 
secure than our banking system because countless 
copies of that information are kept on computers around 
the world. No one can hack so many computers. The 
cryptocurrency, which is much talked about nowadays, 
has its transactions done through this blockchain system. 
 Decoding Modern Tech Terms
Balendu Sharma Dadhich
This is the era of path-breaking innovation, invention, and products showcasing the use of 
technology. These products startle us with their capabilities and possibilities. While Artificial 
Intelligence, Quantum Computing, Cloud Computing, and Blockchain were making a mark till 
recently, NFTs and Metaverse are added to the list of these buzzwords. 
Buzzwords 
W
The author is a technology expert. Email: balendu@gmail.com
NFTs
The success of blockchain as an independent means 
of storing and authenticating information has created 
many more innovations. One of these is the Non-
Fungible Token, or NFT. Here, the information is stored 
in the blockchain system itself, especially in a system 
called ethereum. We know about cryptocurrencies and 
know that if we have purchased cryptocurrencies, its 
account will be kept in the blockchain. But let’s say 
you have not bought cryptocurrency, but an expensive 
original painting, something of historical importance, 
or memorabilia (such as a special attire worn by a 
celebrity). It is something which is unique in the entire 
world. How can you prove you are the owner of that 
item and it is the real thing and not a fake copy of it? 
Presently, there is no provision for this except that the 
organisation from where you have bought it can give 
you a certificate of ownership or get it stamped as an 
original by giving an affidavit in court. Imagine what it 
would be like if a technology platform could store and 
authenticate information about such unique things. This 
platform is NFT.
Under a Non-Fungible Token system, a kind of digital 
certificate is issued that such an original thing, unique 
in the world, is owned by you. This digital certificate 
cannot be tampered with. NFTs can be associated with 
physical assets and virtual or digital assets. Some time 
ago, you may have read the news that Jack Dorsey, 
Founder of Twitter, sold the first tweet he ever posted 
through NFT for USD 2.9 million. You may ask– how 
can one sell a post made on a digital platform? Anyone 
can copy it, take its screenshot or create a similar post. 
And how to prove that it is the same original note as it 
8 YOJANA   June 2022
has not been kept as a printout? So the NFT proves that 
Jack Dorsey has sold this comment and is now owned 
by the CEO of a Malaysian cryptocurrency company. 
The price is for the information and certificate only. 
Now, no one else can sell it except its new owner. Even 
though millions of people retweeted the original tweet, 
anyone can copy it, but the post owned by that person 
will be considered original. The rest of the millions of 
tweets around the world will be considered copies. This 
digital certificate is not in the form of writing but in the 
form of a digital image, video, etc. The same is called 
Non-Fungible Token (NFT). Non fungible means that 
it is the only one in the world, i.e., unique. This digital 
asset has been created so that it cannot be copied, and 
therefore it is safe. There is an immense need for such 
NFTs (images, videos, animations, illustrations, etc.) in 
the form of certifications associated with such digital 
assets. Hence, technically proficient people are engaged 
in the manufacturing and trading of NFTs.
Metaverse
Metaverse means a parallel universe present in the 
digital world that contains most of the things that exist in 
our physical world. Accessing this virtual world requires 
the Internet and digital devices, just like you would 
access a video game. You present 
yourself as a digital person in the 
game, competing with other players, 
making friends, and engaging in other 
activities. You participate in the game 
from your laptop while others take 
part through gaming devices or mobile 
phones. If the same video game is 
expanded widely and countless people 
could access it digitally, it would be 
the metaverse. However, it will not 
merely be a gaming activity. There 
T
he Internet of Things or IoT simply means 
connecting various things of the world to the 
internet. IoT forms the network of physical objects 
i.e. things, enclosed with sensors, software, and 
other technologies for the purpose of connecting and 
exchanging data over the internet. These devices range 
from day-to-day objects to complex industrial tools. 
Everyday objects— household appliances, cars, etc., 
connected to the internet via embedded devices and 
seamless communication.
Minimal human intervention allows data to be 
shared and collected by means of low-cost computing, 
will be much more, such as various events, business, 
entertainment, meetings, etc. People like us will be 
there but in their virtual, digital avatars. Companies like 
Microsoft, Meta (Facebook), Decentraland, Nvidia, and 
Unity are engaged in making it a reality. Within the next 
five to ten years, such possibilities can open for all of 
us in the digital world that we can only imagine at the 
moment.
Quantum Computing
The Quantum computer is much talked about 
because of its infinite power. A quantum computer 
can perform calculations millions of times faster than 
a normal computer, and that is why it can prove to be 
a boon for humanity, but it can also give rise to new 
challenges. 
Traditional computers work based on a fundamental 
unit of binary digits (0 and 1) called ‘bit’. On the other 
hand, the Quantum computer adopts Qubit (Quantum 
Bit). While the bit value can be 0 or 1 only, the qubit 
value can be 0, 1, or both. Unlike traditional computers, 
quantum computers are not limited to just two states. 
Where transistors are used in normal computers— 
atoms, electrons, ions, photons, etc., are used in quantum 
computers which can be superimposed on each other. 
The working system of a quantum 
computer differs completely from 
the traditional computer, and its 
capacity is tens of millions of times 
more.
Let us understand it with an 
example. The information encrypted 
through an encryption system called 
RSA is so difficult to decode that 
if an attempt is made to crack this 
encryption with the help of ordinary 
computers, a very powerful computer 
The information stored under 
the Blockchain is even more 
secure than our banking system 
because countless copies of 
that information are kept on 
computers around the world. 
No one can hack so many 
computers.
the cloud, big data, analytics, and mobile technologies. 
Digital systems can record, monitor, and adjust every 
interaction between connected things. IoT can be put 
into three categories where— 1) information is collected 
and sent. For example, sensors allow us to automatically 
collect information from the environment which, in 
turn, allows us to make more intelligent decisions; 2), 
information is received and acted upon, like printers, 
and 3) doing both simultaneously. For example, sensors 
can collect information about the soil moisture to tell the 
farmer and the irrigation system can automatically turn 
on as needed, based on how much moisture is in the soil.
Internet of Things
YOJANA   June 2022 9
capable of performing ten trillion 
calculations in a second, it will take 
three thousand trillion years. On the 
other hand, a quantum computer 
of ordinary capacity, capable of 
performing a million calculations per 
second, can do the same thing in just 
10 seconds.
Presently, only a few quantum 
computers have been developed in the 
world. The world’s first, very small 
quantum computer was built in 1997. 
In 2007, a company called D-Wave 
Systems of Canada introduced a 
powerful 28-qubit quantum computer. Today, Rigetti’s 
quantum computer is considered the most powerful, 
with a capacity of 128 qubits. Except for small systems, 
even today, the number of quantum computers with 
good capacity will be less than two dozen in the world. 
They are being used at institutions like IBM, Intel, 
Google, Rigetti, Microsoft, NASA, D-Wave, Alibaba, 
IONQ, Oxford, Berkeley, Stanford universities, and 
the Massachusetts Institute of Technology (MIT). 
Here, Microsoft and IBM have given the facility to use 
quantum computers through the cloud.
Artificial Intelligence (AI)
Artificial intelligence (AI) is one of the most talked-
about topic all over the world. In the future, it will become 
an important part of our lives and emerge as a huge 
technological force. It can bring about unprecedented 
changes in the world and has the potential to change the 
way we live, work, read and write, travel, do business, 
run industry, and get medical treatment. It is believed 
that AI will transform the world in a big way, similar 
to what electricity has done. How can one think of a 
working day in which electricity does not play a role in 
some form or the other?
Machines equipped with AI will become powerful 
and ‘intelligent’ and compete with human beings’ 
capabilities. 
AI refers to the ability of machines (or technology) 
to learn, analyse, think, understand, solve problems, 
make decisions, etc., similar to a human being. No 
other creature in the world has such abilities except 
human beings. Even if a creature possesses any of these 
abilities, it is at a minimal level. But now, technology 
has advanced so much that lifeless machines have 
similar capabilities. Now, machines have started 
doing many things that our senses do. They can see, 
hear, speak, move, and even feel touch. Apart from 
advanced research and development, many factors are 
creating this capability, such as the availability of large 
amounts of data, the ability to analyse it, the enormous 
increase in the capacity of computers, 
and the development of cloud 
computing, internet connectivity, 
etc. You must be using features like 
machine translation and voice-to-text 
conversion these days. All these have 
reached to you because of AI. But this 
is just the beginning. 
Cloud Computing
Whatever enormous work has 
been accomplished through AI today, 
it would not have been possible 
without the help of cloud computing. 
Cloud computing has made vast 
computational power and storage space available to us, 
and technology like AI requires it for calculations.
Cloud computing implies using the resources 
available on the internet on your computers or 
devices. These resources are broadly of three types— 
the complete infrastructure of IT, i.e., hardware, 
software, etc. Suppose you need to work on a Mac 
computer for a few months. The cloud has a complete 
set of Mac computers. Why don’t you use it virtually? 
For example, you are using many services on the 
Internet (such as email) when the software required 
for them is not present on the computer. If you want 
to use a Mac through the cloud, it is also possible in 
the same way that you would use Gmail or Dropbox 
through your browser. You will be connected to 
the internet from within your Windows computer, 
and from there, you will be able to access the Mac 
hardware and software. These are also called virtual 
machines, which you have in virtual form, but not in 
physical form. Interestingly, you have neither bought 
the Mac nor have it with you. Through virtualisation 
technology or any internet browser (Edge, Chrome, 
Safari, etc.), one can use it.
When you use any such infrastructure or 
infrastructural facilities remotely through the internet, 
it is called Infrastructure as a Service (IaaS). It is one 
of the three major categories of cloud computing.  The 
word ‘Cloud’ refers to the infrastructure on the internet 
where various types of technical resources are present, 
such as hardware, software, and services. There are two 
more types of cloud– Software as a Service (SaaS) and 
Platform as a Service (PaaS). As the name suggests, 
SaaS is the service you can use through the cloud for 
some time without buying softwares like Photoshop, 
Microsoft Word, or AutoCAD. PaaS means technology 
platforms using which you can develop softwares 
and manage them, providing them to others for use. 
Everything is done remotely through the internet, 
without having to buy anything. ?
The Quantum computer is 
much talked about because of 
its infinite power. A quantum 
computer can perform 
calculations millions of times 
faster than a normal computer, 
and that is why it can prove 
to be a boon for humanity, 
but it can also give rise to new 
challenges. 
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FAQs on Yojana Magazine June 2022 - 1 - Monthly Yojana & Kurukshetra Magazine (English) - UPSC

1. What is the significance of the Yojana Magazine in June 2022?
Ans. Yojana Magazine in June 2022 is significant as it covers important socio-economic issues, government schemes, and policies that are relevant for UPSC and other competitive exams. It provides in-depth analysis and insights on various topics impacting India's development.
2. What are the key topics covered in the Yojana Magazine June 2022?
Ans. The Yojana Magazine in June 2022 covers a wide range of topics including sustainable development, healthcare reforms, digital governance, rural development, education policies, climate change, and government initiatives for economic growth. It provides comprehensive information and analysis on these subjects.
3. How can Yojana Magazine June 2022 help in UPSC exam preparation?
Ans. Yojana Magazine in June 2022 can be immensely helpful for UPSC exam preparation. It provides valuable insights into current affairs, government policies, and socio-economic issues, which are important for the exam. Reading and understanding the articles in this magazine can enhance the knowledge and analytical skills required for the UPSC exam.
4. Is the Yojana Magazine June 2022 available in regional languages?
Ans. Yes, Yojana Magazine is available in regional languages. It is published in multiple languages to cater to a wider readership. This ensures that people from different regions can access the content and benefit from the valuable information provided in the magazine.
5. Can Yojana Magazine June 2022 be accessed online?
Ans. Yes, Yojana Magazine June 2022 can be accessed online. The magazine is available in digital format, allowing readers to access it through the official website or mobile applications. This provides convenience and flexibility in reading the magazine anytime and anywhere, making it easily accessible for exam preparation or general knowledge enhancement.
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