Create knowledge
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(rate this)
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Yes
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No
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Manish Grover
| Argues in support of
"Yes"
| 2 years ago
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In todays competitive world how can one think of losing focus on the brand building.....point not digestive..... When two big corporates shake hand , they do it with some motto...
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Shan Gehlot
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"No"
| 2 years ago
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I don’t think this portal will go a long way, as NDTV launches portals without long term goals for development and brand building and a portal loses its value on long run.
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Debate: "Marriage Of Brands – IndiaMART & NDTV Get Together" deleted from your view.
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(rate this)
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How does a retail bank innovate? Traditional innovation literature would suggest that organizations innovate by getting new and/or improved products to market. However, in a service, the product is the process. Thus, innovation in banking lies more in process and organizational changes than in new product development in a traditional sense. This paper reviews a multi-year research effort on innovation and efficiency in retail banking, and discusses both the means by which innovation occurs along with the factors that make one institution better than another in innovation. Implications of these results to the study of the broader service sector will be drawn as well. Innovation in banking is...
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Kundan Jyoti
| Commented
| 2 years ago
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Retaining customers is a critical key for ICICI to improve the numbers this year and time is running out fast. Retaining and deepening customer relationships in these difficult economic times for growth is very crucial for them
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Shan Gehlot
| Commented
| 3 years ago
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I think one should use more technology or integrate more IT into the banking business during a suituation like this, where banks today are really at a crossroads. And management is faced with increasing pressure from shareholders to determine...
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Venkatesh Iyer
| Commented
| 4 years ago
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Nice article. It really touches core of the issue and is very insightful. I agree with you that breaking down the wall between sales and customer service will improve customer experience. Another interesting question to consider is if this will...
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Insight: "Innovating Customer Service: Retail Banking’s New Frontier" deleted from your view.
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One stop shop
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Jyoti Rath
| Supported idea
"One stop shop "
| 3 years ago
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Mr. Vivek i would agree with you.If banks want to sustain and survive in these tough times then they should quickly do changes in the way they provide services to the customers.And on way ca be to provide all services at one place as mentioned by...
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Shan Gehlot
| Added idea
"One stop shop "
| 3 years ago
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According to me they should provide everything at one place like they should take care of their Financial needs, Non-financial advisory services that are an extension of financial assistance in services such as like travel needs, education...
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vivek khandelwal
| Supported idea
"One stop shop "
| 3 years ago
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one stop shop .This is what most private banks are doing.The most important is providing value for money to the customers.We need to readymade the product as per customer need of mass market.Which is actualy not happening.Penetration is...
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Ideate: "In the current scenario what sort of Products should retail banks provide to its customers??" deleted from your view.
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(rate this)
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Performance
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customer service
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Murali Ramamurthy
| Added idea
"customer service"
| 3 years ago
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I think in recent days there is lack of customer service from the retail banks which is annoying the customers, be standing in long lines for so many things at the bank or the employee of the bank not properly answering to the queries to the...
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Shan Gehlot
| Added idea
"Performance"
| 3 years ago
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According to me, retail banks face some of the specific performance challenges like they must efficiently manage a range of different distribution channels, with branch, telephone, mobile and internet banking all in demand, often for the same...
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G.Srinivasan
| Supported idea
"Performance"
| 3 years ago
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Having been declared best performer in the bank, I feel most of us are looking to add non interest income, by selling non banking products like lic/gic/mf products to cusomers, without considering their interest. This may be due to the income...
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Ideate: "What are the strategic issues in Retail banking?" deleted from your view.
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(rate this)
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Yes
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4
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1
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No
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Prasenjit Saha
| Argues in support of
"Yes"
| 3 years ago
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Yes it will affect very badly, when themselves are not having jobs, how will they outsource for others, and with the new president in Obama he will bring back the jobs back to US and will try to resolve the problems of the country which were...
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Swati Raut
| Argues in support of
"No"
| 3 years ago
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No it won't affect and i don't agree with shan,US is facing the recession which is worst in the history because of their policies and mainly because of Bush's administration, which lacked transparency and real commitment towards the major issues...
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Debate: "As Recession has been declared in US now, will it affect India??" deleted from your view.
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(rate this)
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Yes
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9
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2
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No
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ASOKE KUSARI
| Argues in support of
"Yes"
| 2 years ago
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Yes, most of the Banks in the USA have adopted the "Univarsal Banking" model in recent times after the fall of most of the Investment Banks there. But, what is Universal Banking ? http://en.wikipedia.org/wiki/Universal_bank  : We may see this...
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Shan Gehlot
| Argues in support of
| 3 years ago
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YES, the global banks will stick to its universal banking model, as customers in low end market want wide range of financial services which are cheap. Only a universal banking model can help those customers and it will also attract a large number. As...
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Satwinder Singh
| Argues in support of
"Yes"
| 2 years ago
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YES. The universal banking model followed by the Global banks is the future. The model not only helps customer to have wide variety of transfer features, linkage with equity, demats, funds, etc that everyone wil love to have. This model also...
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Debate: "Universal Banking model ??" deleted from your view.
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Improve infrastructure
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Control inflation
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Maninder Singh Tuli
| Added idea
"All included"
| 2 years ago
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All points are included as : 1. Politics: If political structure is good of country it supports the productions like in taxation, import and export duties,etc. 2. Inflation: India is exporting more and more IT products that is because other...
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Shan Gehlot
| Supported idea
| 3 years ago
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We are well aware of some of the difficulties, both real and perceived, for India to adopt these choices, but it is in India ’s best long-term interests to undertake these steps. IT has given major benefits to a broad variety of countries, ranging...
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Ideate: "Top challenges for India" deleted from your view.
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Asset quality: Needs monitoring
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Liquidity woes: Partly resolved
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Rajat Das
| Supported idea
"Asset quality: Needs monitoring"
| 3 years ago
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To add on to what Mr.Singh stated , Indian banks are well capitalised and regulated, and are seen in a better position to endure any probable increases of NPA, the situation needs monitoring as the trend could change and NPA levels may move up...
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Ajeet Kumar Singh
| Added idea
"Asset quality: Needs monitoring"
| 3 years ago
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In a high interest rate and slowing economic growth scenario, asset quality of banks will come under rigorous scrutiny. The retail non-performing assets are likely to be in the uptrend, even though banks have recently pared exposure towards retail...
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Ideate: "Global crisis: How are Indian banks faring?" deleted from your view.
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Credit Card Frauds are here to stay ..
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Sign the card
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Nikhil Parulkar - MFA,CFE, CAME
| Added idea
"Credit Card Frauds are here to stay .."
| 2 years ago
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Credit Card fraud is the third most expensive fraud after Financial Statement Fraud and misappropriation of funds/assets. Credit Card Fraud is further classified as follows: a. Counterfeit Card Fraud - It's that card which is either printed,...
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Shan Gehlot
| Added idea
"Memorise CVV (card verification value)"
| 3 years ago
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The 16-digit card number, expiry date and CVV together, are enough to complete an Internet transaction. So better memories the CVV number and blacken the CVV on card. If at all thief memorizes or takes down your card number and expiry date,...
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Ideate: "How to avoid credit card frauds ?" deleted from your view.
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(rate this)
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Investment banks
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1
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Commercial banks
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Swati Raut
| Argues in support of
"Investment banks "
| 3 years ago
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A commercial bank may legally take deposits for checking and savings accounts from consumers. The typical commercial banking process is fairly straightforward. You deposit money into your bank, and the bank loans that money to consumers and...
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Shan Gehlot
| Argues in support of
"Commercial banks"
| 3 years ago
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An investment bank operates differently. An investment bank does not have an inventory of cash deposits to lend as a commercial bank does. In essence, an investment bank acts as an intermediary, and matches sellers of stocks and bonds with buyers...
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Debate: "Investment banks vs. commercial banks" deleted from your view.
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