How to tame the dragon?

Prisoner’s Dilemma applied to the subscription of JIO  Let us take this imaginary case. Let us consider an adult who needs medical attention. When the adult has elevated blood pressure and elevated cholesterol due to obesity, and the patient visits a doctor, the doctor has two choices. How can the prisoner’s dilemma be applied to the medical consultation? The doctor diagnoses obesity as a big factor. The patient takes medicine for a few days and suffers from a sudden vomiting from the medicine. He revisits the doctor, and requests for a change of medicine. The doctor realizes the importance of…

The Boolean behind the Boolean

Algorithmic Training Let us assume that a stock is trading at 232.74 INR in the SENSEX. What could be various parameters that can cause a stock sell? Let us have a look at this Boolean logic. IF Share Volume Trading > 5,000 IF Share Volume Trading < 10,000,000 IF Share Price Increase > 1 % of Early Start Price IF Share Price Increase < 3 % of Early Start Price IF Minimum Fluctuation of Price > 0.1 % of Early Start Price IF Maximum Fluctuation of Price < 2 % of Early Start Price IF Industry Index of Clubbed Stocks…

The 100th Article – SENSEX re-defined!

According to Wikipedia, “The S&P BSE SENSEX (S&P Bombay Stock Exchange Sensitive Index), also-called the BSE 30 or simply the SENSEX, is a free-float market-weighted stock market index of 30 well-established and financially sound companies listed on Bombay Stock Exchange. The 30 component companies which are some of the largest and most actively traded stocks, are representative of various industrial sectors of the Indian economy.”

Devaluation of Yuan

Red Dragon, this is your time! Dear Red Dragon, No man is an island. Your time has come to be the Eagle at and after the 30 years. Now, you have the full wish to work on yourself or be dependent on export-import trade. Devaluation of Yuan was nice, but the state of connundrum it will bring to the EMs will be too much volatile. People need peace, not fear!

For Whom the Market Tolls

Buy, Hold or Sell The qualitative factors that determine the stock price fluctuation can be grossly determined include the following factors: Economical Financial Social Political Educational Technical Environmental Logical Other attributes Market Sentiment In order to ascertain the stock price value fluctuation, we have the following financial factors:  Debt Load Margin Price Multiplier Book Value Cash Flow P/B Ratio P/E Ratio The economic condition of the company can be determined by: Is the company revenue growing? Is the company making a profit? Is it in a strong position to beat competitors? What is the global and country index rank in…

The war of the two worlds

Is it better to be crazy and happy or cool and urban? Indeed, Pepsi had a rough summer. I believe that  image advertising actually does not help Pepsi Co. India that much as expected over time. Understanding the pulse of the nation of India as a whole by exhibiting a greater impact through brand marketing, is the need of the hour. Here is some food for thought as I see: Capture Technology: Application can be built in gadgets and gizmos to capture the pulse of the nation. It will indicate the best Pepsi products in the application, and after a…

Case Study: For a bank: An innovative approach

Outside-in and not inside-out: A small case study Look at this a new angle. A bank is trying to cross-sell most of its products to high-valued customers and has failed miserably. Its employees are over-worked and have a low-morale; bottom line has taken a hit; and the company is thinking to shed some weight. In this case, what is the non-traditional approach that this bank Bank Co. should take? Here are some ten steps that the bank can see to boost its bottom line: Involve customers in decision-making abilities, and also during the product launch for a new geography. This…

A draft for proposal for a bank

The dawn of a new era With my research and observations, with all the persons that I have talked to regarding the brand-recall of the banks in India, I am taking a case study of one of a bank (with an anonymous name, of course); and I found that people do not prefer to come to banks physically for any kind of work. Phone calls, online engagements and advisers at home are just the start of the dawn of this new-era. In this light I am sharing a perspective of mine that might help a bank to some extent. Happy…

Will the investment go sour?

To Stay Fresh With so much invested in Reliance Fresh, and the net profits dipping over the years constantly, the cause and effect has to be determined. One thing is for sure, that even though the people in India might be suddenly opened to the organized retail sector, within the last 3 to 5 years’ timeline, there has to have a cut-off when Reliance Fresh does make profits. Here is some food for thought: Trigger an efficient supply chain management – An efficient SCM for fruits in which the middleman is abolished should be in place, with the farmers getting…

Not Just FMCG

…But almost everything I am on the verge of seeing a paradigm shift here. We, as analysts, always talk on the product life cycle, and how a product burns out its life in the market. But, at this juncture I am witnessing a shift in the consumer behaviour now. The “Desi Boyz” is ruling back. Be it FMCG goods, or simple white goods, or mobile sales, or auto sales, things seem more “Desi” now. If we look back in 1991, during the period of Rajiv Gandhi, when the then finance minister Dr. Manmohan Singh, had opened the gates cautiously to…

Of Credit Cards and their Usage

Business Intelligence is a method of making correct decisions regarding patterns and forecasting several KPIs. It may be the amount of spending, forecasting spending, pattern of spending and many more. Let us try to explain how a BI tool as SAS 9.2 or Cognos 8.0 can help a bank create products in the local geographical unit. The credit card usage history tells all. Let us suppose that there are three types of card limits- namely silver, in which the credit cap is 50,000 INR, gold, which is 1,00,000 INR, and platinum which is 2,00,000 INR. Also there is a given…

Future reforms in the banking sector in India

India has performed well in recession period the late 2000s, mainly thanks to the strong regulation structure and transparency of the private sector Indian banks. But a strong potential is still there to perform better. Here is some food for thought of the changes that the banks in general can do to gather some momentum: Uniform individual and company credit rating agency – Although more than half of the country feel that there is no need of such agencies, I strongly suggest a need of a uniform, structured, and regulated body for rating individuals and as well as corporate identities….