Krishna Arjuna

Easier to be Krishna than to be Arjun

The other day, my mom shared a powerful and thought-provoking quote, that she has just read. It’s easier to be Krishna, than to be Arjun !! And she went on to explain, that being Krishna requires one to look inside and discover the highest qualities that each of us are bestowed with. But to be an Arjun, one needs to be full of faith. Infact have so much faith and trust, that you see a Guru in your friend, who then becomes the Krishna in your life. Its a very powerful thought. To be able to trust someone or something

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Uber and Free Market Economics

Uber has changed the way we travel within cities. On a recent trip to Jaipur, the first thing I did on reaching the city, was to top-up my PayTm wallet to get going on Uber. (yeah no card-on-file yet 🙂 ) And over the next 3 days I took more than 12 rides across the Pink city. Here are some of the interesting observations I had: Jaipur is really a small city – Only one ride was over Rs 100/-. All others barely crossed the Rs 75/- mark. Given the distances are not too much, the per ride fare is

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Embrace APIs – Digital Banking Toolkit

Digital is the latest buzzword in banking. Not only are the bank boardrooms echoing with digital keywords, its what seems to be driving the pitches at most IT and Management Consulting firms. And rightly so ! When the data tells us that 9% of the population already uses Mobile Banking, we know that Digital Banking Revolution is already upon us. In the last article, I mentioned, how the Digital Banking Journey will be different for each bank and why it might be a good idea for the banks to play to their strengths. Equally important is to acknowledge and understand,

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Digital India – its already here

Today’s the launch of the Digital India initiative and quite a coincidence that I had an experience which makes me believe that Digital India is already here. Here’s what happened. I was in Mumbai and called for an Uber. I started talking to the cabbie to understand the target market for a specific use case for mTuzo . We are pitching to banks that with mTuzo we can help move their debit card customer from an ATM only to ATM + POS relationship. So I asked him which bank account he gets his Uber payments in – it was a

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Mood as the context for marketing

Something very interesting happened while I was using the Linkedin App on my mobile. I liked an article and pop came the message from Linkedin checking if I would want to share my love of the Linkedin App itself. The timing of this “Rate us on PlayStore” screen intrigued me. Do folks over at Linkedin believe that if I have read a lengthy article and liked it, I am in a good mood? If you ask me, may be I am. Atleast for sometime. And since that mood is caused by the content that was delivered on the Linkedin App,

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Can someone ever be truly selfish

selfish (of a person, action, or motive) lacking consideration for other people; concerned chiefly with one’s own personal profit or pleasure. This definition is inherently flawed. Why? I can explain it in two steps: Very simple – I have come to believe that the only way any of us can get true happiness and peace is by helping others.By being compassionate Now, if we are truly truly selfish we should try to maximize our happiness at every opportunity possible. Right? So going back to point1, how can we get that happiness & peace?  ….. its by helping others. Hence if

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The Marketing Funnel at Baapu Market Jaipur

On a recent roadtrip, we went shopping at the famous Baapu Market in Jaipur. Its a bazaar with lots of small shops selling similar stuff mostly fabric, bangles, jewellery and the likes. One is also told to bargain hard when shopping here. While my wife was excited about the amazing collection of fabric, jewellery etc , I was intrigued by the interesting model that these shopkeepers had adopted. In most shops there were three different types of roles that the owner and staff were playing: The Marketers – One or two people who were stationed outside the shop, about 15-20

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Play to your strengths – Digital Banking Toolkit

Nadal is the king of clay. Given a choice of surface, I guess he would choose clay 9 out of 10. We all get it – one should play to one’s own strength. Its obvious in sports, but most of us fail to apply the same rule(s) in business. As most banks embrace digital, this is one rule we should not forget. Look at the bigger PSU banks in India – it’s fair to assume that they have a big list of areas to focus on when it comes to going digital: Channel migration of customers onto internet banking and

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Why do we sometimes go quiet during roadtrips?

Found this in my notes from a road trip taken almost 10 years back in Dec 2005. ——— In the last few months I have discovered a passion to travel, but what I havent learnt so far is why I love it? What gets me excited to just get out of “here” and be out “there”? The more I think about it, the more it adds to my confusion. I have been noticing my thoughts during these road-trips and its just amazing how the human mind is capable of such a diverse set of emotions and reactions, in seemingly similar

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Why is Financial Inclusion important?

Financial Inclusion is a common theme across multiple initiatives both by governments and private sectors across economies. Especially in the developing world, it would be safe to say that Financial Inclusion must be in the top 5 priorities of the respective governments. But why exactly is Financial Inclusion important ?   Financial Inclusion takes an economy towards more equal opportunities Financial access is a key component towards providing equal opportunities and equal access for growth for various segments of the society. Just like education, nutrition and healthcare access are critical in driving growth of a population, so is access to

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