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AI & Digital Lending
…y not be overdue yet. But if transaction behaviour weakens, obligation behaviour tightens, business behaviour slows and human behaviour becomes evasive, the lender is already seeing behavioural drift. That is the real early warning. The value of AI is not merely in detecting each sign…Read in full
AI & Digital Lending
…tions will require more than faster algorithms. It will require deeper understanding of how technology, incentives, and human behaviour intersect inside modern financial systems .Read in full
Fraud, Ethics & Governance
…ledged . Bangles deserve that discipline. In the next episode, the lens will shift. We will move from material truth to human behaviour —how bankers see bangles, how borrowers feel them, why bangles get pledged incrementally, how renewals silently accumulate, and what these patterns r…Read in full
Leadership & Reflection
WHAT's YOUR STORY ? This used to be standard tag line asked by one of my supervisors. Initially, it used to bug me and felt it lacked the seriousness in its tone and purport. It took me quite a while to understand it.. The concept of story-telling As we grow u…Read in full
Leadership & Reflection
Whilst half the country over is immersed in fighting “Vedic” battles over the relevance of Onam and the Thiruvonam day, it has been quite an experiential learning exercise this season at the heart of it all in Kerala. This onam, we decided to try own recipe of…Read in full
Leadership & Reflection
Recently read about Dr. Masaru Emoto's Water Experiments....... Showing the effect of Positive Energy and being associated with Postive thoughts.. Considering that water forms nearly 75% of the Brain material, this experiment showcased the importance of remain…Read in full
Leadership & Reflection
Change of jobs, Change of roles, Change in bosses, Change in organizations, or New Organizations – I’m sure, irrespective of our vintage or age, all of us have had our fair share of fears. However, the enhancers, in these instances, have been opinions, informa…Read in full
Leadership & Reflection
Interesting lessons are learnt in real life sceanarios when you least expect it. The net result is that the lesson so learnt becomes part of you almost permanently. Success in selling or a sale, be it a tractor or a financial product or any product for that ma…Read in full
Leadership & Reflection
Some of my recent experiences, with regard to visits to colleges and campuses as part of various initiatives, have aided in active engagement with students, and understanding their requirements and views. Let us take a closer view of students from Agricultural…Read in full
Tractor & Rural Finance
Used Tractor valuation has always been a challenge. The attempt is constantly to metricize, templatize and simplify the valuation process. They buyer and seller need to conclusively arrive at a value. Today, majority of us use one of the following methods to b…Read in full
Leadership & Reflection
Pongal, this year has been special. It is a much more enlightening year. From the times of the "Jallikattu" or "Bull Fight", over a year back, there have been different representations of the Bull Fight, which was very convincingly put forth as part of a thesi…Read in full
Tractor & Rural Finance
It was a frenzied Monday morning, towards the month end. As I quickly ran through the figures. So what is surprising here ? The average usance / work based growth is about 5-6%, and a stretch to about 8%. So manufacturers who are typically between 8 – 11 % wil…Read in full
Leadership & Reflection
The “Pre-Owned” vehicles have always been a special segment !! To the world of tractors this is nothing new either. A colleague of mine was exchanging notes with me on the various facets involved in Used / Pre-Owned Tractors. The key link as we discussed, turn…Read in full
Leadership & Reflection
Ever wondered why the harvesters from every manufacturer looked almost similar. Ever wondered why a cultivator or a cage wheel looked the same irrespective of the manufacturer ? In early days, the implement manufacturer did not matter. The category, class and…Read in full
Leadership & Reflection
As i stood gazing at the Lord at Siddhi Vinayak Temple, Mumbai, i observed people revolving in the same place in which they stood, instead of the traditional practice of circumambulation around the deity in differential count depending on the deity. It symboli…Read in full
Tractor & Rural Finance
AGNA - Awareness / Red Flags " The Intuition" Facial expressions and show of emotions are by far the best indicators of intentions. Many a time these are quick, short or even subtle. Yet the trained eye is able to capture these. Just like finger print types, w…Read in full
Tractor & Rural Finance
A question was posed by a fellow mate from the same finance industry, about the practicality of detecting frauds. He explained himself with an example. A customer was assessed by them, and found fit to be financed. Based on their policies and credit norms, the…Read in full
Tractor & Rural Finance
Continued from Part 1.... ANAHADHA - Information Eliciting " The Immunity System" Information about the Customer builds better health in the Customer - Financier Relationship. Ultimately, irrespective of use, the intention forming happens in this CHAKRA. Inten…Read in full
Leadership & Reflection
Charismatic leadership style with a human touch is a rarity. Seldom do we have the opportunity to experience this style in all its glory. Yet, here is one such story. What is amazing is their ability to give new "family additions" their space and allow them ti…Read in full
Fraud, Ethics & Governance
Continued..... from Part 1.. ..highlights of a talk on "Fraud Prevention in Farm Equipment Financing" Observation 3 - Know your domain I've read about Luca Pacioli's Quote, which I shall use slightly differently - "He who does business without knowing all abou…Read in full
Fraud, Ethics & Governance
At a recent gathering, I was asked to speak on " Fraud Prevention in Farm Equipment Financing ", and this was more of an impromptu talk with little time to prepare. Yet, I gathered and covered the talk in points of Observation, in the background of Rural and F…Read in full