HDFC vs Citibank Cards

A tale of two cards

“Building a visionary company requires one percent vision and 99 percent alignment.” —Jim Collins and Jerry Porras, Built to Last And I believe the alignment needs to show not in meetings but on the ground – in customer interactions, in every process and the decision making across all levels. A recent experience drove home the point very clearly. Background: Over the years, I have consolidated all my credit cards to just two – one from HDFC and another from a MNC bank. And yes both are Visa ! I have also been using my HDFC Credit card as the primary one, with

Continue reading

Lessons from “David & Goliath” by Malcolm Gladwell

“David and Goliath – Underdogs, Misfits and the art of battling giants” is the new book from Malcolm Gladwell which is based on the premise that maybe we have all been looking at the David and Goliath story completely wrong. Gladwell starts by discussing specific details from the Biblical story to build the case that David the shepherd boy should have been the favorite in that battle. We all got it wrong because we were fixated on the giant that Goliath was, because we believed that it would be a close quarter battled where size, strength (of warrior, their sword

Continue reading

How much should we pay

Amazing little discussion today, which brought forth the consumer perception about pricing. A guy walks upto the apartment across the road & offers to remove the bee-nest. He gets the job for a small sum of money (not sure how much) and the deal says, he will get to keep the honey also. He comes over to our place to ask for a bucket (to collect the honey). Dad gives him the bucket- he is back in 15 minutes with almost 20 litres of fresh pure honey. Wants to sell it to us & the neighbors & call it a

Continue reading