MY THOUGHTS                        

"To assess your business's customer convenience, evaluate your processes based on the categories of Do It Yourself (DIY), Do It For Me (DIFM), and Do It Together (DIT). Understanding where each process falls can reveal valuable insights into enhancing user experience."

"Businesses thrive at the intersection of People, Technology, Money, and Compliance. Technology plays a pivotal role in elevating these components, shaping a distinct Digital First Technology Led Business model. To stay "Fit For Future," organizations must prioritize a robust technology strategy; failure to do so risks losing ground in the marketplace."

"Today's business environment requires a discovery-led approach to learning, planning, and execution. Relying solely on past experience is not a guarantee for success. Instead, prioritizing Relevancy, Responsiveness, and Recalibration is key to achieving success."

"Simplification is the best articulation , rest all is language which may not be understood by many."

"Businesses must differentiate the appropriate scenarios for leveraging AI. It is crucial to establish AI frameworks beforehand to prevent groundbreaking AI initiatives from becoming profit and loss liabilities."

"If you believe that selling your product or service solely based on being Faster, Cheaper, or Convenient is the key, think again. The real selling power lies in offering something that encompasses all three - being Faster, Cheaper, and Convenient (FCC). To truly succeed, business investments must span across Turnaround Times, Pricing, and Experience dimensions. This holistic approach is what truly unleashes the full force of your offering."

"One of the most interesting and visible consumer trends is the increase in diverse preferences. Have you noticed this around you? From clothing to travel, to entertainment, people are seeking personalized experiences. This has created a plethora of niche businesses, from online clothing brands to personalized travel marketplaces to the revolutionary Netflix. By contextualizing and personalizing products, businesses can cater to these niche segments, which may actually be larger than anticipated. Keep a lookout for these opportunities and tap into the potential of diverse consumer preferences."

"Retailing has undergone a significant evolution in the past decade. From brick and mortar retailing to e-tail, the industry has seen a major shift. As a result, the traditional six Ps of Product, Price, Presentation, Place, Promotion, and People have also evolved with varying degrees of significance. Retail lending has kept up with these changing dynamics, holding onto the same fundamentals but adapting to new behaviors. Have you noticed how lenders are changing their marketing strategies to keep up with these changes? It's fascinating to see how the industry is evolving with the times."

"Data leveraging is only possible with complete understanding of data that is source, structure, business application, linkages and an inquisitive eye to get more use cases. It is and and not or which defines success when building data science."

"Digital lending is not only about new to credit or underserved credit segments alone, It’s also about an unique experience or a product offering for higher transacting customers and creating a pull to convert high propensity prospects."

"SuperApp race is not just about commerce and consumer converging but more about collaborating to compete for customer contextualisation. You cannot hold customer to one ecosystem as the beauty of Digital is that ecosystems keep changing. So the current ecosystem advantage is not necessarily a big advatage. A Superapp moat will come from building networks which ensure relevance to customers."