பணிச்சுமையில் பயிற்சி மருத்துவர்கள்

பணிச்சுமையில் பயிற்சி மருத்துவர்கள்


IOB unveils 444-day term deposit scheme with higher interest rates
Published - February 14, 2026 09:20 pm IST - MUMBAI
THE HINDU BUREAU 16.02.2026
Indian Overseas Bank (IOB) of the public sector has announced the introduction of a new 444-day Non-Callable Retail Term Deposit scheme offering higher interest rates for general public and senior citizens.
As deliberated in the Asset Liability Management Committee (ALCO) meeting held on February 11, 2026, the bank has decided to upgrade its retail deposit offerings with an attractive interest rate of 6.65% for the general public, effective from February 16, 2026.
To provide superior value to senior citizens, the bank has also announced enhanced rates under this new scheme. Senior Citizens (aged 60 years and above) will receive a total interest rate of 7.15%, while Super Senior Citizens (aged 80 years and above) will benefit from an interest rate of 7.40%, the bank said.
“This strategic move to introduce the non-callable variant reflects Indian Overseas Bank’s focus on catering to the evolving financial needs of its diverse customer base and strengthening its retail deposit portfolio,” it added.
Published - February 14, 2026 09:20 pm IST
Internet Is Getting Remade For AI. What Does It Mean For You?
Chandrima.Banerjee@timesofindia.com 16.02.2026
Less than half the people on the internet are “people” — only about 44% of online traffic came from humans in 2025 — but even within the traffic driven by relentless bots “using” the internet, a small but significant share of 4% belongs to AI bots. If that share keeps growing (and it’s really likely that it will because of how much AI companies are pouring into agentic AI), most websites will eventually be built for AI and not us. Not in the conspiracy-heavy “dead internet theory” way but in the codeand-structures-tech-and-science way.
THE WEB IS NOT BUILT TO MAKE THINGS EASY FOR AI … YET
When an AI browser was launched a while ago, I was testing the agentic mode (in which AI takes over your browser to “do” all the work). I wanted it to find available slots for driving licence renewal. But when I checked back after a few minutes, I found that the agent was stuck. The page had a huge popup covering nearly the entire window, and the AI didn’t know what it was supposed to do. The buttons and menus it needed to access were behind the popup — but how would it get to them? To us, it seems easy enough. Shut the popup, and move on. But behind the scenes, a click is a series of tiny tasks — hover, pointer move, mouse down, mouse up, the click itself. Websites can react to any of these steps, or only if these steps happen in the right order.
An AI agent has to do all that, in the correct sequence, and with the right timing. If the page happens to shift mid-click — like when a popup appears — the click can miss or just do nothing. Also, for AI, the decision to close the popup or interact with it has to be based on some kind of logic. Does it know what’s behind the popup? What if engaging with the popup is an important step? What if the popup is the next step? This kind of logic is easier for AI to navigate if the website has an API that AI agents can use. (An API, Application Programming Interface, is a set of rules and definitions that software components use to talk to each other.)
When an AI agent uses an API to get your work done, it doesn’t have to bypass all the garrulous persuasion that populates most websites today. Instead of navigating pages built with visual and contextual cues meant for human eyes, it can ask the site directly what it needs — like “show me the available slots” — and get back a clean, structured answer on which it can act for you. A survey of developers in 2025 found that 24% are already designing APIs for AI agents. But every API is different, with its own little quirks. And an AI agent can’t possibly learn every one of them. So, Anthropic came up with Model Context Protocol, an open protocol for AI agents to coordinate their conversations with services and sites and apps. It’s now the frontrunner for becoming the “USB-C port for AI applications” .
About 60% of searches end without the person ever reaching a destination site — they simply get their answers on the search page without a click, research by the consulting firm Bain & Company found. But searches at least provide a list of pages that might have the answer. AI would whittle it down even more. Bain’s survey also found that about 80% of search users rely on AI summaries at least 40% of the time. And a Pew Research Center analysis found that only 1% of users who came across AI summaries clicked on the links inside AI summaries.