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In his ET WEALTH column entitled If it seems too good to be true, it probably is, Dhirendra Kumar describes the following asymmetry between victims and perpetrators of cybercrime: Individual victims – even when they are well-off and educated – are poorly equipped to detect fraud. The fraudsters are invariably well-experienced at what they’re doing … Read more
A Porsche costs $120,000 in USA, which is twice the nation’s Per Capita Income of $60,000. For $3,400, which is 2X of India’s Per Capita Income of $1,700, you won’t even get a Maruti 800. The same model of Porsche would cost ₹1.25 crores ($156K) in India, which is 92X the Per Capita Income of … Read more
Between Eight WYSINWYG Terms In Finance – Part 1 and Eight WYSINWYG Terms In Finance – Part 2, we covered eight terms in finance that should not be taken literally i.e. they’re WYSINWYG (“What You See Is Not What You Get” – to be pronounced “wisinwig”). To recap, they were: Nonprofit Company Winner Takes All … Read more
Customer Experience (CX) is the customer’s takeaway of their experience with the supplier’s company, product, process and employees. Click here to see the detailed definition of CX from Gartner. Customer’s Experience (C’sX or CSX) is the experience itself. CSX is akin to Customer Journey. As illustrated in the following exhibit, Customer Journey is what a … Read more
WYSINWYG (to be pronounced “wisinwig”) means “What You See Is Not What You Get”. We described four WYSINWYG terms in finance in Eight WYSINWYG Terms In Finance – Part 1: Nonprofit Company Winner Takes All Banking the Unbanked Too Big To Fail We will cover four more finance WYSINWYGs in this second part. #5. MARKET … Read more
Let’s see the pitch of a few B2B technology products: ERP prevents stock-outs by triggering stock transfers from one store to another, thereby driving greater revenues. WMS drives greater inventory turns, and thus reduces working capital costs. CEM increases visibility of gifts across the distribution channel, thereby delivering more bang for the trade promotion buck. … Read more
There are many terms that don’t mean what they say. Some are misnomers e.g. Nonprofit Others sound broader than they are e.g Insider Trading Still others are obfuscatory e.g. KYC. I’ve coined the term WYSINWYG to represent such terms. As you might have guessed, WSINWYG (to be pronounced “wisinwig”) stands for “What You See Is … Read more
This blog post is a slightly edited version of my answer to the following Quora question: What is the role of a business analyst in the payments domain? I assume that the question refers to “payments technology” domain and consider the case of a Business Analyst (BA) who works for a tech vendor that provides … Read more
In 10 Best Answers For Peter Thiel Interview Question – Part 1, I gave five answers to the following Peter Thiel interview question: What is the one thing that’s true but nobody believes it when you tell them? In this second part, I’ll give five more. Here goes. #6. Fixed deposit beats inflation Matt Levine … Read more
In the days following the death by car accident of Cyrus Mistry, the scion of Shapoorjee Palonjee construction group and the largest shareholder in Tata Sons, there’s a lot of public discourse in traditional and digital media about overspeeding, seat belt, air bag, highway signage, and the like. Let me cite two examples. ECONOMIC TIMES … Read more