Category Archives: Psychology, Behavioral & Qualitative Analysis

ATM: Positive Disruption

Recently, I read a Capgemini report which mentioned how the proliferation of technology helped generate jobs. ATM cards at one point of time where disrupters in the banking industry. There was a fear that they would take away jobs from tellers. However, opposite happened. As ATM usage became ubiquitous, tellers in banks were more productive in other aspects of service. Increased familiarity with the usage of ATM led to fewer footfalls in the bank of customers who only came to withdraw or deposit cash. It helped the bank to allocate resources more efficiently. In turn, not only tellers but other employees at the bank become more resourceful and hence more productive. The marginal productivity of the employees increased which helped bank branches to become more profitable through a more focused approach to discuss clients needs. This could be emphasis on personal investment products,  better customer relationship management etc. This led banks to open more branches which resulted in the increased employment of tellers and other service representatives. It very difficult to envision effect of the emergence of disruptive technology over the short-term without looking at potential consequences over the long-term.  One of the themes dedicated on this blog would be technology…

AI: Robo Advisors

For those who have seen Matrix and Space Odyssey 2000, understand the disruptive power of AI. Artificial Intelligence might not be truly disruptive in the way it’s portrayed in the movies. Disruptive Power is the ability of a new technology to change the pattern of consumer behavior. The introduction of Smart Phones led to the disruptive technology in mobiles. Before smartphones, the primary purpose of mobiles was to talk with people but with Smart Phones, the slogan changed to…and you can also use it for talking. Smart Phones refined the way we interacted with others through social platforms or the consumer buying power. Apps were the catalyst through which consumers leveraged technology for their gratification. Continue reading AI: Robo Advisors

US Equity Markets, Technology, Innovation and Wage Growth: Part 1

Majestic Benjamin Franklin ” Tell me and I forget, teach me and I may remember, involve me and I learn.” Founding Father United States of America

VIX Index also known as fear index reflects the market sentiment in a country. A higher value of VIX shows a high probability of uncertainty in the market usually reflected during crisis. Higher the value, the more volatility the market, with a bearish outlook. If you look into the graph, VIX was at the highest during the subprime crisis. Presently, low value implies a bullish sentiment in the market…  Continue reading US Equity Markets, Technology, Innovation and Wage Growth: Part 1

Northwood, Pierpont Commons & Herd of Deer…Mama i AM home

IMG_20160820_180103528En-route back to my residential campus apartment in Northwood from Pierpont Commons, https://uunions.umich.edu/pierpont, encountered a herd of Deer. Continue reading Northwood, Pierpont Commons & Herd of Deer…Mama i AM home

Dude Has Landed…United States of America & University of Michigan, Ann Arbor…Go Blue!!!

13882353_796951093781301_1746736691650152929_nIts been sometime since I wrote on my blog here. Well its time to start with a bang. The dude landed in United States of America this month…The Quintessential Country of Our Times…A country which has led the world in innovation, academics, entrepreneurship and philanthropy for about a century. Continue reading Dude Has Landed…United States of America & University of Michigan, Ann Arbor…Go Blue!!!