S Manish Singh - My Blog
A blog on human capital development including on education, learning and development related to personal, professional and social outcomes across contexts such as individual and institutional, public, private and social sector, formal and informal, education and work, policy and implementation, etc. Some of the topics include school and higher education, technical and vocational training, entrepreneurship, leadership, alternative education and development, etc.
Wednesday, 19 February 2025
Holistic Soft Skills Development for Life
Tuesday, 5 November 2024
AI Technology Adoption – Is it a one-way street?
This article explores the
growing impact of AI technologies on our lives, highlighting both their
potential benefits and serious risks in the realm of cybersecurity. It urges
readers and decision-makers to critically evaluate the consequences of AI
adoption and consider its implications on security, governance, and society while keeping all categories of people at the centre of such decision-making.
Scratching the AI Surface:
Will It Hurt or Help More?
We're still in the early stages
of AI application development, and the road ahead promises even more advanced
and complex tools—tools that could erode trust and, ultimately, threaten the
social order. We may face a growing need to invest in protective measures and
redress systems. But even then, businesses, governments, and individuals might
still find themselves struggling to keep up, especially when these resources
might drain funding from more pressing needs. Technology and online systems are
already under constant attack, and AI only adds fuel to the fire. The evidence
is clear: cybercriminals are exploiting vulnerabilities faster than ever. This
isn't just a Luddite fear—it's rooted in the reality of our rapidly changing
digital world. (Read more on this trend: Threat Actors Are Exploiting Vulnerabilities Faster Than Ever).
Cyberattacks: A Growing Threat
For many, the idea of a
cyberattack conjures images of data breaches or financial fraud. But these
attacks extend far beyond banking. Critical sectors such as healthcare,
utilities, manufacturing, and public services are increasingly targeted.
Take a look at some notable
cyberattacks outside the finance industry:
- Not if, but when: Cyberattacks threaten hospital systems
- Significant Cyber Incidents | Strategic Technologies Program | CSIS
- New Report: Cyber Security Threats in Manufacturing Industry
- Why Does Manufacturing See the Most Cyber Attacks? | Cyber Magazine
- 14 recent cyber attacks on the transport & logistics sector
With AI tools making inroads into
industries like healthcare and manufacturing, a targeted attack could trigger
serious consequences. Imagine a rogue AI being used to trigger false diagnoses in a hospital or an autonomous
manufacturing system overridden to deliberately malfunction, resulting in dangerous products reaching
consumers. These risks, often dramatized in films as science fiction, are now
inching closer to reality. We once trusted that businesses and authorities
would safeguard us, but can we still place that same trust in them?
Cybersecurity: Can We Rely on
It?
Given the escalating risks,
businesses are pouring resources into cybersecurity. The cybersecurity industry
is growing rapidly, with some estimates suggesting a 14% annual growth rate
that will continue for the rest of the decade. However, this growth comes with
its own challenges. One of the most pressing is the stark inequality in
cybersecurity resilience between rich and poor nations, as well as between
large, well-funded organizations and small or developing ones. A report by the
World Economic Forum highlights this gap:
"The distance between
organizations that are cyber resilient enough to thrive and those that are
fighting to survive is widening at an alarming rate. The least capable
organizations are perpetually unable to keep up with the curve, falling further
behind and threatening the integrity of the entire ecosystem."
Moreover, by one estimate, over
82% of small businesses had at least one successful cyber-attack in 2021. (See:
35
Alarming Small Business Cybersecurity Statistics for 2024 | StrongDM).
This growing divide spells trouble not just for businesses,
but for consumers as well. As the demand for cybersecurity professionals
increases, there is a notable shortage of skilled workers. Cybersecurity
companies are struggling to find qualified professionals, which creates
additional stress on the existing workforce. The pressure of constantly
evolving threats leads to burnout, with a high turnover rate among
professionals. (See: 24%
of Cybersecurity Leaders Are Ready to Quit Jobs: Here’s Why - Techopedia).
The skills gap is a significant challenge, but it also presents opportunities
for those entering the field.
Explore the demand and challenges:
- Skills shortage persists in cybersecurity with many jobs going unfilled | VentureBeat
- Nearly 4 Million Cybersecurity Jobs Are Vacant: Here’s Why You Should Consider Breaking Into This Sector
- Booming Job Market: 3 Reasons Why Cybersecurity Jobs Will Reign Supreme - Business2Community
- 4 Million Job Openings Await Skilled Cybersecurity Professionals
At the same time, generative AI
and other advanced technologies are being leveraged to improve cybersecurity
capabilities. AI can speed up software development, automate vulnerability
testing, and even help detect breaches faster. However, its potential to also
fuel cybercrime has raised concerns. (See: How
AI Is Shaping the Future of Cybercrime). As the speed of
technological advancement continues to outpace the development of protective
measures, there is a growing fear that rogue AI could exploit system weaknesses
before cybersecurity systems can adapt. This raises important questions: can we
truly safeguard AI-driven systems, and who is responsible when they fail?
The Role of Governance
Governance frameworks for AI are
emerging, with some governments introducing regulations to manage its
development and deployment. However, many countries, particularly in the
developing world, are lagging. The laws are in place, but enforcement is often
weak, and there's a growing risk of exploitation by malicious actors who
operate outside regulated environments. This creates a dangerous environment
where technology might be used irresponsibly, putting consumers and citizens at
risk.
What happens to those who use
these technologies with malicious intent? Who is protecting the everyday person
from these threats? (See: AI
governance trends: How regulation, collaboration, and skills demand are shaping
the industry | World Economic Forum).
The Big Picture: Who Bears the
Burden of Responsibility?
As the battle between
cybercriminals and cybersecurity experts intensifies, it's essential for us, as
citizens, workers, and consumers, to question our increasing reliance on
technology. At some point, we may need to set limits on its use. Drawing clear lines
about where we allow technology to intervene is becoming one of the most
important decisions we must collectively make.
Governments must take a proactive
approach to engage in this conversation and make decisions from a strategic,
long-term perspective. Unfortunately, with many governments struggling to keep
up with the complexities of AI and cybersecurity, it’s unlikely these issues
will be addressed without widespread public demand.
Until we can develop more secure
systems—an effort that could take years—citizen education and awareness are
crucial. As much as we focus on the benefits of technology, we must also devote
equal attention to its vulnerabilities and potential harms. This means
evaluating risks and lobbying for technology adoption that considers both the
upside and the downside. Only by carefully weighing these factors can we make
informed decisions about where and how to use AI.
It’s essential to involve a broad
range of perspectives in this debate. We must consider the impact on all
people, including the elderly, those with cognitive challenges, and communities
in regions with limited resources. AI development cannot be driven by
convenience and profit alone; it must prioritize people’s well-being. The
metrics for AI adoption should not focus solely on efficiency or growth but
should reflect democratic values and social responsibility. We need to create
spaces where citizens, not just tech companies, have a voice in determining the
direction of AI’s adoption. After all, technology is not an inevitable path in
every domain; it must be navigated thoughtfully, through democratic processes,
with ongoing review and adjustment.
Conclusion
In conclusion, we must educate
ourselves on how these technologies will affect our work and lives and
contribute meaningfully to conversations within our communities and workplaces.
As AI continues to evolve, we need to consider how it impacts different groups
of people—those who are less tech-savvy, the elderly, those with disabilities,
and people in lower-income countries or under-resourced organizations. It's
crucial that AI development puts people at its centre, not just the convenience
of a few or the profits of tech companies.
Adoption and usage should not be
the only goals; they certainly shouldn’t be the most important ones. We must
have the ability to change course, to reverse or redirect AI adoption when
necessary—not as dictated by capitalists or tech enthusiasts, but through
collective decision-making by everyday people. Only through thoughtful
evaluation, democratic consultation, and regular review can we ensure AI’s
integration into society is beneficial and safe. When it comes to technology
adoption, let’s make sure it’s not just a one-way street.
Final Notes
- Consider how AI and other technologies are
impacting your life, your work, and the society around you.
- Who is influencing decisions on technology
adoption in your area? Do you have a way to communicate your questions and
concerns to them?
Monday, 4 November 2024
Sustainability and the Role of the Individual in Addressing Related Concerns
I was asked by LinkedIn to share an article or video on what sparked my interest in sustainability and how individuals can contribute: #GreenerTogether #LinkedInNewsIndia.
So, here it is; this is why sustainability sparked my interest and how I think individuals can contribute to the agenda.
Quality of life is rapidly deteriorating, with declining availability of good air quality, nutrition, and other essentials. While many accumulate luxurious possessions and enjoy extravagant experiences, the majority of the planet suffers from a lack of basic needs. Our health is at increased risk, and as we become aware of the implications of global warming, climate change, and pollution, we realize that our very existence is also at stake. Animals, who cannot advocate for themselves, silently endure the consequences of our excesses, perishing in forest fires, oil spills, and warming oceans. This reflects an alarming trend of increasing selfishness and insensitivity in society. Pair this with the rise of extreme climate events and chronic and zoonotic diseases, alongside reduced biodiversity inside and outside the human body, which is essential for survival, and we are faced with an ecosystem in crisis. There is an increasing number of fatalities because of these crises each year. This trajectory cannot continue; escalating selfishness threatens our ability to live peacefully, as evidenced by high crime rates, intense competition, stressful workplaces, rampant opportunism and corruption.What we are witnessing is a result of unbridled capitalism, which has driven us toward a culture of one-upmanship and conflict among individuals, groups, and nations. To counter this downward spiral, we must develop a post-capitalist, environmentally friendly, and people-centric economic model. Those in power, who benefit from maintaining the status quo, are unlikely to propose genuine solutions. Therefore, it is up to individuals and groups to unite and propose well-developed ideas at both micro and macro levels to address this unsustainable way of life. This will require creative thinking, problem-solving, and building awareness on a large scale. We need to mobilize a critical mass and ensure that people with the right value-set aligned to sustainability occupy decision-making positions to drive meaningful change. While we acknowledge that a genuine solution to the sustainability crisis remains elusive, many piecemeal ideas exist—both expressed and unexpressed. These include legislation (like banning single-use plastics, limiting oil drilling, preventing deforestation, and enhancing effluent treatment), educational initiatives, (such as free environmental and sustainability courses and student eco-projects), alongside concepts around the circular economy (like recycling and rainwater harvesting). However, many initiatives remain ineffectual, often undermined by insincere implementation, leading to accusations of greenwashing. What we need are earnest platforms to enable these initiatives and identify actionable incisive ideas and ingenious individuals to develop meaningful solutions for local and global deployment.Governments will not act unless it serves their interests, so citizens in democracies must demand more from their leaders. Those businesses and governments that harm the planet will continue to spread misinformation for their benefit; conscientious individuals must counter these narratives. Addressing these challenges requires collective action; otherwise, there is little chance of any meaningful confrontation with
the powerful, who wield more money, resources, and control. We should also recognize the potential for individuals to expose transgressions by businesses and governments, inspiring others to earnestly pursue sustainability.
I have several ideas that can contribute to the solution, but I have yet to find a defined channel for gaining serious stakeholder attention. I can envision countless others with brilliant, workable ideas facing similar obstacles in expressing them and gaining traction. To address this, in addition to platforms for discussing solutions, we must ensure green financing is more accessible at the grassroots level. This includes increasing funding options for impactful and scalable initiatives while protecting our green entrepreneurs, encouraging them to share their ideas and fully commit to their implementation.
I firmly believe that the problem is surmountable, even with the urgent timelines. However, we need substantial backing from committed groups, along with the necessary resources to maintain independent control over these initiatives and prevent them from becoming lost in bureaucratic processes associated with crony capitalism.
Individual and collective activism is central to addressing the sustainability challenge. Unless changes are adopted by the majority of the global population to counteract harmful practices, we will struggle to find solutions. Every individual and initiative therefore matters, and we must treat them as such. So while we work to encourage participation through education, and enablement, the key questions we have to get everyone asking themselves are: Am I aware enough? Am I on the right side of this? Am I doing what is needed? And can I do more? So, as a reader of this, why don't you give it a go?
#capitalism #sustainability #climatechange #biodiversity #climate #globalwarming #greenwashing
Tuesday, 6 October 2020
SYSTEMATIC MECHANISM TO IMPOVERISH OUR ECONOMY PERPETUATES (MUDRA LOANS – CASE IN POINT)
The Mudra scheme has raised the NPA specter for Indian PSU Banks once again, with the NPAs rising at an alarming rate. Mudra loan disbursements by state-owned banks rose to Rs 3.82 lakh crore in 2019-20, from Rs 3.05 lakh crore in 2018-19 and Rs 2.12 lakh crore in 2017-18. NPAs as a percentage of total loans rose to 4.92 per cent in 2019-20 from 3.42 per cent in 2017-18.
There is no mechanism to scrutinise such
schemes, and there is no system of accountability. Independent agencies need to
rate such schemes for its robustness. Currently, most such schemes are put on
display for public commenting and at the most subjected to political debate in
the parliament, which is clearly partisan and only serves to obfuscate, with no clarity on the real merits of the
case. Also, we need the case to be reviewed by independent experts and make the
commentary public.
It is essential to create systems that put
the banks out of politicians reach, and the case for a bail-out or compensation
should only be done in the rarest of rare cases. Also, when any scheme is announced,
it is crucial to anticipate NPAs using a transparent mechanism, and an acceptable
threshold of NPAs must be announced to measure the performance and functioning
of control mechanisms of the banks.
Any excesses must be investigated through
independent forensic audits and institutional penalties must be levied.
Additionally, individuals who have indulged in fraudulent, negligent and
unethical practices must be weeded out and subjected to appropriate legal
action.
There is a much greater need for scrutiny of
banking operations through independent mechanisms. The timing of exercising checks
is also crucial, instead of only doing post-mortems, random sampling for
scrutiny, while disbursements are being made, is an essential check that must be
widely used.
RBI has limited powers when it comes to PSU
banks as compared to private sector banks, and this creates issues in exercising
the right kind of power over them. But the RBI retains the right for issuing
audits and must exercise these when the NPAs exceed a specific limit, and there
are questionable results. The system of regulatory oversight must be strengthened
for PSU banks. Even if the RBI does not have the right to penalise board members
of PSU banks, they can investigate and issue reports and recommendations for
actions. They must exercise these in greater measure.
The independence of the RBI from the
government is meant actually to create this arm’s length relationship, but we
know that the RBI too is not entirely free from the government’s influence. Right
from the recruitment of RBI governors, who are appointed after the proposal made by the Financial Sector Regulatory Appointments Search Committee
(FSRASC), headed by the Cabinet Secretary, to their dismissals, to attempts to
get more government representation on the RBI board the government continually
tries to influence the RBI. While everyone accepts that the RBI’s autonomy is
an essential and accepted governance requirement and must be maintained at all
costs, in practice, there is a constant tussle and meddling.
While some suggest privatisation as the solution, the reality is that private banks are driven by the sole motive of
profit and have their own ways of exploiting the customer base and loopholes
through off-balance sheet liabilities and other fraud mechanisms. So frankly, there
is no substitute for robust regulatory and oversight frameworks that are free
from conflict of interest and impermeable to government interference. Unless we
really think and institute mechanisms with rigour the powerful will continue to
exploit the system for their gains and the system will continue to work through
nefarious means.
Monday, 7 September 2020
Do Not Merely Protect Large Institutions - Financial Support Must Be Reconsidered to Save the Soul of the Economy - The Small Entrepreneurs
Additionally, banks are only interested in pushing more loans to these people who are already struggling with paying the existing loans, how can they be comfortable in taking more loans given the uncertainty and the risks.
Sunday, 29 March 2020
Ten Points for the Indian Government to Consider While Implementing Lockdowns for Corona Virus Outbreak (COVID19)
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4 days into the lockdown, the Interstate Bus Terminus in Delhi, overwhelmed by crowds (mostly poor migrant labour) ignoring social distancing norms, seeking transportation to get home. |
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Law enforcement punishing those ignoring the call for lockdown and venturing out. |
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People walking carrying their belongings across states hoping to get home, some prepared to walk for hundreds of miles to get home. |
2) Organise food and essentials in a planned manner. It is vital to ensure that all areas are covered, and that requires a massive logistical and communication exercise. This requires local police and perhaps even community support. This is an extensive and urgent campaign that need to be put in place. It is also essential that people know where the reliable and safe places are, to get food from. Often, well-meaning people do take the initiative that fizzles out in time or may overlook essential safety aspects. This is in no way undermining their effort and God bless them. Still, the administration must do over and above, something that is systemic and sustainable. Enrolling people who are volunteering into the arrangements may be a win-win and may be planned but addressing various critical aspects of it such as safety and continuity. Quality assurance plan must support safety at food preparation and distribution points.
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Report of a husband carrying his wife who was immobilised due to a medical condition |
Thursday, 6 September 2018
Furthermore...hastening our fall, as we fail to learn
The government has been trying to highlight the failure of the private sector in driving the Skills Agenda and has been calling them ineffective and corrupt. Unfortunately, the inefficacy of the government structures is as flawed. We have repeatedly been stating that it is important that we radically overhaul the system by creating proper structures with the related capacity building at all levels including senior levels. We also need to create responsive systems for current, reliable information, decision support, and quality assurance. Yet, we keep doing the same things over and over, just refusing to acknowledge ignorance that governs and ineffectiveness of current approaches and practices. Every new initiative is only a regurgitation of the past; the rigour required to plan and implement something well just seems to elude our decision-makers. In the end, they will have no choice but to succumb to the unethical engineering of data and perceptions, or the machinations of external market players with vested interests that will lead us back centuries, only because we fail to recognise and reward merit, commitment, and real effort. This is a colossal waste of taxpayers money and given the burdens that are being borne by honest businesses and individuals, we are pushing them towards unethical practices and non-compliance, and paving the way for eventual anarchy.