Pakistan’s Retail Moment(s) & The Power of Digital Transformation.

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 … Read more

OLP + Establishment|M|ilitary- style executive leadership. Our Un Tapped Potential

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, … Read more

COD |240 years in the making & ripe for disruption ‘again’

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 … Read more

Pakistan’s Instant Payment System What I think Ive understood about Raast (so far)|Developing story.

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 … Read more

Pakistan Inc. “Retiree Entrepreneurs, Saith-a-preneurs, Startups & Failure Dollars.”

What an amazing & resilient country. Even after decades of less than adequate governance, economic progress, security challenges and internal issues; if you ask the average Pakistani how they are doing, their initial response is “sab theek ho jaye ga inshallah/all will be well by grace of god” There is no other way to explain … Read more

Dreaming in Technicolor

Technicolor: You can use technicolor to describe real or imagined scenes when you want to emphasize that they are very colorful, especially in an exaggerated way To dream in technicolor one must have some thing worth dreaming about? Right? Given the not so rosy picture(s) down below, what must one do or can do, to be in … Read more