Rise of Impact Investing in India

Impact investing in India is the largest in South Asia and second in the world according to a report published in May 2016, titled A decade of impact investing in India. Impact investing or impact capital’s mission is to create a positive social impact related to social or environmental cause along with a financial return. Impact capital has a dual goal, blended, between social (first priority)  and financial return. Continue reading

Jack Ma, Rise of Digital Payments, China, India and Paytm

Ant Financial backed by Jack Ma of Alibaba fame was recently valued at $150bn in a venture capital round, making it one of the most exciting and creative fintech start-up companies in the world. Ant Financial owns Ali Pay, one of China’s largest payment platform. According to an article published in Seeking Alpha, China leads in mobile payments with estimates at $5.5tr and strides over any other country in the world. Jack Ma is also one of the biggest philanthropists in the world and a bellwether philanthropic entrepreneur icon for China.  Continue reading

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…

Spotify It

Spotify is what Google is to search engine. Spotify is a Swedish company which rocked the world with its innovative music model. It has more songs on its cloud network than any other company in the world. Supposedly Netflix of songs, Spotify’s business model has a very strong brand recognition in Europe and in the US. Thanks to Spotify I listen to soft rock and country songs freely over the net. Needs a much bigger article sometime later…Want to listen to a  song…Spotify It…