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Speculation is the new luxury

Recently, I came across a few interesting reads (Psychology of Money by Morgan Housel ; Adventure Capitalism- an article in The Economist, 27th Nov and Seth’s Blog – Speculation is the new luxury good) which provide a good perspective on what’s happening in the world of investment and wealth creation. In this blog, I intendContinue reading “Speculation is the new luxury”

New investment options for H-E-N-R-Y’s

You must have heard of Baby Boomers, Gen X , Gen Y or the Millennials, Gen Z et al. (click here to know more). Recently the socio-economic acronym H-E-N-R-Y has been added to this list. It refers to High Earning, Not Rich Yet. HENRYs are largely Gen X, millennials who generally are well educated andContinue reading “New investment options for H-E-N-R-Y’s”

Sachet revolution for cross border payments can explode business opportunities for service-preneurs

Cash formed the dominant mode of payment till demonetisation (de-mon) in 2016 when Rs 500 and Rs 1,000 currency notes were withdrawn. These formed around 86% of the value in circulation. This gave a fillip to digital payment like UPI, card, online – NEFT and IMPS modes of payment.  Fortunes of wallet companies like Paytm,Continue reading “Sachet revolution for cross border payments can explode business opportunities for service-preneurs”

Startup Learnings – User Stories hold the key to customer success

Recently, one of my ex-colleagues decided to go on his own and launched his own startup. He is presently in a stealth mode putting together his core team, laying out the core philosophy and other building blocks. It was fascinating to interact with him as he bounced around some of his ideas on what heContinue reading “Startup Learnings – User Stories hold the key to customer success”

Why do customers flock to newbie fintech startups?

Recently, one of my ex-colleagues decided to go on his own and launched his own startup. He is presently in a stealth mode putting together his core team, laying out the core philosophy and other building blocks. It was fascinating to interact with him as he bounced around some of his ideas on what heContinue reading “Why do customers flock to newbie fintech startups?”

Why fledgling startups are able to steal a march over well entrenched players?

One amongst the many fallacies we live with is that corporations focus on putting customer satisfaction at the centre of all its activities which in turn helps them to maximize revenue/ profitability. While intuitively one feels it must be true, however you will be surprised to know that is not always the case.  Recently, IContinue reading “Why fledgling startups are able to steal a march over well entrenched players?”

East Coast v/s West Coast Approach to Investing

Warren Buffett is all about investing on the basis of value invested in business, customer base, replacement cost etc. This is an old school of investing which is also at times referred to as the East Coast approach. As against this, it is widely said that Silicon valley is all about valuing business on theContinue reading “East Coast v/s West Coast Approach to Investing”

Building Trust in Financial Services – Contradictions and Learnings for Neobanks

My work experience over the last 3 decades in the financial services industry has taken me across the spectrum of MNC Banks, private sector, public sector, co-operative as well as non banking finance companies. During this period, I have come across apparent contradictions in the consumer’s psyche, which brings out some learnings as regards whatContinue reading “Building Trust in Financial Services – Contradictions and Learnings for Neobanks”

Lessons from Economic History- A crisis can help trigger transformation to leapfrog!

I am an eternal optimist and firmly believe that every crisis provides an opportunity to define the future. In this blog, I have attempted to draw learnings from some of the successful world economies, which converted adversity into an opportunity to change the trajectory of their economic development, to catapult into a new orbit ofContinue reading “Lessons from Economic History- A crisis can help trigger transformation to leapfrog!”

The Changing Landscape for Retail Investors # 2/2- Financial Markets Post COVID

Divergence in the Financial Markets Post COVIDEven though Bill Gates had predicted a pandemic type of event way back in 2016, no one had actually given too much thought to the economic impact of such an event. The economic impact of COVID can be termed almost as an apocalypse kind of an event. In 2020,Continue reading “The Changing Landscape for Retail Investors # 2/2- Financial Markets Post COVID”