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”
Category Archives: finance
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”
The Changing Landscape for Retail Investors – #1/2 Financialisation of Savings
Savings was almost synonymous with Bank Fixed DepositsThere was a time when savings meant keeping money in bank Fixed Deoposits (FDs). Subsequently, for those who were introduced to the Unit-64 scheme from Unit Trust of India Mutual Fund (UTI MF), it was a combination of Bank FD+ Unit 64 for a long time. UTI wasContinue reading “The Changing Landscape for Retail Investors – #1/2 Financialisation of Savings”
Urban economics for beginners # 1 – Cost of Living and Public amenities
My brother recently visited us from Richardson, Texas. On learning about my new fintech venture in digital banking, he was keen to share how fintechs in USA are making life easy for consumers. He quickly took me through his tax filing app TurboTax which makes tracking income and filing of tax returns a breeze. DuringContinue reading “Urban economics for beginners # 1 – Cost of Living and Public amenities”
Banking – due for disruption all over again
Banking originated around 15th century. Earlier sailors who required to store their savings in safe hands while they sailed on long journeys, availed the services of pawn brokers at ports for a charge. Subsequently, these pawn brokers discovered that this money could be put to use while it was being held for safe keeping throughContinue reading “Banking – due for disruption all over again”
Rating Agencies – Conflict of Interest resolution
With a market capitalisation close to USD 2.5 Trillion India is now the 7th largest stock market by capitalisation ahead of even Germany. India has so far taken the right steps to ensure its capital markets flourish and provide access to funds to companies wishing to access capital markets. However, over the last 12 months,Continue reading “Rating Agencies – Conflict of Interest resolution”
Depositor protection in these times of uncertainty
The PMC Bank scam has brought to the fore front the basic contradictions in our financial system. As of March 2018, more than half of the Rs 117 trillion deposits within the banking system are provided by individual depositors who form the backbone of the BFSI. It is these individual depositors who end up bearingContinue reading “Depositor protection in these times of uncertainty”
Solving the Urban Co-operative Banks Muddle
Urban Cooperative Banks (UCBs) were initially set up as small banks that offered banking services to people of small means from the lower and middle classes: Now they are seen as another channel to deepen financial inclusion in the country. India is considered to have one of the oldest community-banking initiatives in the world withContinue reading “Solving the Urban Co-operative Banks Muddle”
Salil's Blog 