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This is one of the most amazing INNOVATIONS that I have come across. It is changing the face of living for people who have gone or are going through stressed times. It is collaboration for some but for me it afforded a chance for LIVING AGAIN!! Please share this with all your colleagues. Not only is it interesting but also very progressive by nature and it is like getting a seond chance to live without losing self respect and dignity!! http://www.livemint.com/2009/08/24001301/Arcil-partners-mjunction-to-di.html?d=2 Please click the above link or copy / paste in your browser to see the changing face of entrepreneurship in India. This is a brilliant venture between a company called ARCIL mJun...
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Makrand Bhave
| Commented
| 3 years ago
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Alex, may I call you that?? In fact ICICI is one of the sponsors for this online innovation with IDBI and PnB as well. The company is also a member of the Indian Banks' Association!! Thanks for the supplementary information about Ariba too. I...
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Dheeraj Singh
| Commented
| 3 years ago
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Nice Information Mr. Makrand. Really very informative. Thanks for sharing...
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Alka Thakur
| Commented
| 3 years ago
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Great option actually worth looking into. Truly informative, thanks for sharing.
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Insight: "Arcil and mJunction collaboration" deleted from your view.
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Economic viability of the product both for bank as well as customer
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Research
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ATMA RAM CHAVALI
| Added idea
"Economic viability of the product both for bank as well as customer"
| 2 years ago
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In the present day world the customer needs are ever changing, therefore it has become very difficult launch new products by different banks to suit all needs of the highly educated customers. No doubt a research is required before launch of a...
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Dheeraj Singh
| Added idea
"Research"
| 3 years ago
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I guess this should be given more importance than anything else, where as one should conduct research regarding products which are either similar or having same interest rates that you have, so in what way this bank is providing them that...
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Ideate: "How to launch a new product from a retail bank perspective??" deleted from your view.
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Yes
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27
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5
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No
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kalpesh zanje
| Argues in support of
"Yes"
| 7 months ago
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Rural economy is improved a lot almost in all taluka and district places. In now a days lots of savings and small business also available with the rural people furhter they are aware and have knowledge about their investment, where to invest and...
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Jay Kamath
| Argues in support of
"No"
| 1 year ago
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Banks and their charges and visions will make rural banking a spectacular failure. And with the recent news about the high interest rates of micro lending, I think it's time the government steps in and utilizes the Indian postal service to provide...
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sujit Kumar
| Argues in support of
"No"
| 3 years ago
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Not exactly rural marketing. The real rural banking is done by cooperative bank helped by NABARD in India. Still the private players are looking for rural areas for profitability, which is not viable even though the volume is big there. So, yes...
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Debate: "Is Rural banking the new mantra for Retail banks?" deleted from your view.
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Yes
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3
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2
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No
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Swati Raut
| Argues in support of
"No"
| 3 years ago
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it is naive to think that our financial system, of which banks are an important part, will remain totally unaffected once they are allowed to have overseas exposure. The stock markets have taken a direct beating. There was a boom when the foreign...
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Rajat Das
| Argues in support of
"Yes"
| 3 years ago
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Beacuse of strict norms of govt in the form of SLR CRR. We are in better state than banks in US. Such measures, designed to protect the depositors’ interests while ensuring adequate liquidity to the banks, are not available in the US. While our...
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Debate: "Are Indian Banks not hit by meltdown?" deleted from your view.
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Yes
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2
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0
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No
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Ganesh Ramaswamy
| Argues in support of
"Yes"
| 3 years ago
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Yes, after the great depression which shook the world in 1929, this in 2008/09 is would last longer and more damages would be done by the recession., - The recession can be witnessed when there are fall in the purcahse of any type of goods -...
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Debate: "Is world recession likely?" deleted from your view.
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Yes
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1
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3
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No
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Ganta Achuthan Sripathy
| Argues in support of
"No"
| 3 years ago
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I think banks may not recruit many as before, they may recruit some if there is a real need to fill up vacancies left by anybody resigning.
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Dheeraj Singh
| Argues in support of
"Yes"
| 4 years ago
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The only way for banks to get out of this situation is to give newer services to its customers and if they want to develop and sell these services they need people, so whatever may happen banks will recruit even this year. The decease if any,...
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Swati Raut
| Argues in support of
"No"
| 4 years ago
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It could be stated for sure that banks will not recruit in the way they used to do as in the past. If there is some recruitment then it will only happen for some key posts and that too from the industry and not from the b-schools.
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Debate: "Will banks employ this year?" deleted from your view.
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Increasing energy expenses
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Cutting Costs
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Dheeraj Singh
| Added idea
"Cutting Costs"
| 4 years ago
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People are trying to absorb the costs by expanding their purse strings. The basic needs like food, education and accommodation are continuing to have top priority. Some measures of cutting consumption are seen in travel costs, electricity and...
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Yashpal Singh Tomar
| Added idea
"Increasing energy expenses"
| 4 years ago
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We all are worried about the ever increasing power and petroleum expenses. The domestic LPG cylinder is now more than Rs.300 up from about Rs.200 in 2006. The auto and cab fares have been hiked recently. One has to pause to think before one takes...
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Ideate: "Inflation: Effect on household budgets" deleted from your view.
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Citibank charges a fee of Rs. 100 from the customers who visit the bank for some transaction. Is it justified on part of banks to do so.
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Amit Gupta
| Answered
| 4 years ago
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In my opinion charging customer for only visiting the branch is not right. Anyhow the customer is being charged as and where required like cheque book, duplicate statement, processing fees for any loan etc. But above all these if we charge...
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SUBHENDU KUMAR
| Answered
| 4 years ago
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The practice may be ethical in America, where people are technology friendly. But in India human interaction is given more importance. Moreover charging customers for visiting bank is llike punishing them for being their customers.
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Answer: "Charging customers for entering the banks. is it justified?" deleted from your view.
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Financial engineering has provided innumerable lucrative opportunities for otherwise indigent mathematicians Nevertheless the turbulence in the bond markets in the last couple of months, at a time when the world economy’s prospects seemed set fair, have exposed a guilty secret of the financial engineering profession: its methods don’t work. First area of failure is liquidity. Theoretically, if financial engineers design ever fancier artificial securities and derivatives, but everybody uses the same mathematical models to value them, there is no reason why an active market should not operate in the securities, at whatever price the models direct. In practice this only works in calm markets. ...
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Mathew Cherian
| Commented
| 3 years ago
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What Mr. Dheeraj says is correct but I believe that there where many pitfalls in the implementation of the Financial Engineering products rather than in their design. For example a stripped bond derived from collateralized debt which may be fo cc+...
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Trends: "Why Financial Engineering Doesn’t Work" deleted from your view.
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RAMANATHA PRABHU N
| Answered
| 2 years ago
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This is the most effective area where we can outsorce the jobs for doing it economically.
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Swati Raut
| Answered
| 4 years ago
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The main factors to be taken into account are size of business/volume of transactions and the complexity of activities, i.e. are they purely transactional in nature? The greater the volume of transactions the greater the potential economic benefit...
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Answer: "What do you think about Finance and accounting services outsourcing ?" deleted from your view.
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