Every one wants to be an omni channel retailer. Some will evolve but most cant, not because they don’t want to, but because there is a foundational basis missing in understanding the journey it self. Let’s step back, if there is no “documented engagement process” in your organisation today, within the process(es) that lead to … Continue reading Pakistan’s Retail Moment(s) & The Power of Digital Transformation.
We will get to OLP in a second. Let us first define the opportunity. We have many (100s/1000s) of officers retiring or leaving service honourably at a reasonable age (Between say 40-50) Keep in mind most successful entrepreneurs are around the 45 yr mark. We have limited number of employment choices for them post service, … Continue reading OLP + Establishment|M|ilitary- style executive leadership. Our Un Tapped Potential
COD “cash on delivery” and “collect on delivery” mean effectively the same thing and have been used interchangeably since 240 yrs or so. At least based on the oldest published newspaper clipping available(1781) on newspapers.com as evident below. Myths busted by the above Asians invented COD Brown people popularised it Credit cards came before COD … Continue reading COD |240 years in the making & ripe for disruption ‘again’
TL;DR: All the items below are based on publicly available info that you are too lazy to Google, so if your understanding is different than mine, leave a comment. On Jan 11th I saw like many others a news paper announcement for the long awaited MPG(Micro Payment Gateway) project, launched as Raast + The standard … Continue reading Pakistan’s Instant Payment System What I think Ive understood about Raast (so far)|Developing story.
Let’s start with the fact that we have an entire telecom corporation that is responsible for providing ICT services to the government. Likely well intentioned in a different era, but what caught my attention was a tweet that was taking credit for video call that a kid with a laptop and a zoom connection could … Continue reading Budgets.Ministries.Digital Pipe Dreams & Tweets that mean nothing. A look back at MOITT for 2020.
Risk is not driven off a gene, yet it seems to be coded in to our personalities and our national DNA. But it seems there is right and wrong risk, which I will get to shortly. What I want you to consider is the following: Scientists who study the humanmind—say that most risk takers become … Continue reading RISK. Our Unfair Advantage & how to keep on taking risks.
What do Facebook, Silver Lake Partners, Vista Equity Partners, General Atlantic, KKR and Mubadala have in common? They are all partners with Jio in India. This means a total of $12.96 billion has now been promised from seven investors in exchange for a stake of just over 21 per cent. While Jio is building its … Continue reading Pakistans Missed FDI Opportunity, Telco + E-com Dreams…
Visualise the following. You are launching a business, any business, the end product needs to make it to the consumer and the consumer needs to pay for it. Easy enough, even the US hasn’t solved for this seemingly simple concept at scale and at an affordable price-point. Dont confuse Amazon with the US and play … Continue reading Beyond, Bike Pay Bhijwain & Cash Uthain Commerce (Send via Bike and Collect Cash Commerce)
Every ones home and will be for the foreseeable future. Most things humans want or need to survive must find its way to them. Businesses are realising the true need for Digital First. Not applying new models to old physical only data sets. Not just for optics but for survival. Direct2People (D2P) is the digital … Continue reading The New Normal | D2P(Direct to People) the ‘Only Mile’ that matters.
TL;DR Small Banks are done, unless they take seriously bold steps, Big Banks are done if they don’t burry their legacy issues and upgrade their boards. Software comes much later. Who would have thought COVID would actually be a delivery mechanism to force this nation and many others to adopt Digital Payments & beyond. Till … Continue reading COVID | Can Our Valued(banking) Institutions Deliver a SuperApp