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BANKING & FINANCIAL SERVICES

BANKING & FINANCIAL SERVICES

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  1. Payments Bank@India Post: What Will it Take to Make it Possible?*

    AUTHOR(S) : Giri Hallur- Assistant Professorm, Anushiya Sood- MBA Student, Neethi Nair- MBA Student, SITM, Symbiosis International University, Pune
    PUBLISHED DATE: 24/03/2017
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASELET
    CASE ID: BFS-2-0012, BFS-2-0012A
    CASE LENGTH: 6 Pages
    DESCRIPTION:
    The RBI has issued a Payments Bank (PB) licence to Department of Posts (DoP), along with 10 competing organisations in August 2015. Over the years, the DoP has struggled financially and its annual deficit has shown an increasing trend during 2013-16 period. On the positive side, as against a total of 40,000 branches of all scheduled commercial banks, DoP has a network of 140,000 rural post offices. Moreover, 85% of these post offices are located in the rural areas manned by locally known workforce. ...
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  2. Case View with Rajat Gandhi - P2P Lending in India: Delivering Disruptive Innovation in Alternate Lending Space

    AUTHOR(S) : Dr. Nagendra V. Chowdary
    PUBLISHED DATE: 18/11/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: case view
    CASE ID: BFS-2-0010B-2
    CASE LENGTH: 15 Pages
    Case View with Rajat Gandhi - P2P Lending in India: Delivering Disruptive Innovation in Alternate Lending Space
    DESCRIPTION:
    Case View with Rajat Gandhi, Founder & CEO - FAIRCENT Faircent is the India’s largest P2P lending marketplace for borrowers and lenders to connect directly through its unique platform, which allows Auction and Reverse Auction Indexation. Faircent’s dynamic algorithms ensure that the right fit is done. Rajat Gandhi, one of the earliest professionals of Internet in India, gathered extensive hands-on experience in launching and building Portals, online Classifieds, Communities, E-Commerce ...
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  3. Case View with Shankar Vaddadyi - P2P Lending in India: Delivering Disruptive Innovation in Alternate Lending Space

    AUTHOR(S) : Dr. Nagendra V. Chowdary
    PUBLISHED DATE: 17/11/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: case view
    CASE ID: BFS-2-0010B-3
    CASE LENGTH: 9 Pages
    Case View with Shankar Vaddadyi - P2P Lending in India: Delivering Disruptive Innovation in Alternate Lending Space
    DESCRIPTION:
    Case View with Shankar Vaddadyi - P2P Lending in India: Delivering Disruptive Innovation in Alternate Lending Space. Shankar Vaddadyi is a seasoned professional having held C level and leadership positions across various industries and public companies in India. He has wide experience in Technology, Financial Inclusion Architecture and Social Entrepreneurship and has pioneered industry sectors. Presently, he is the Founder & CEO of www.i-lend.in which is India’s first P2P / Social Lending ...
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  4. Electronic Payment and Services (P) Ltd.: Revolutionizing the Indian ATM Industry

    AUTHOR(S) : Vandana Jayakumar and Y. Bala Bharathi
    PUBLISHED DATE: 30/09/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE STUDY
    CASE ID: BFS-1-0008, BFS-1-0008A
    CASE LENGTH: 18 Pages
    DESCRIPTION:
    This case study focusses on the entrepreneurial journey of Electronic Payment and Services (P) Ltd. (EPS) – one of the startups in the Indian ATM Managed Services and Outsourcing Industry. Industry veteran, Mani Mamallan, also known as ‘The Architect behind Indian ATM Systems’, founded EPS in 2011. Supported by the vast industry experience of its founder and other members of the leadership team alongside the financial inclusion initiatives of the Government of India, EPS grew rapidly ...
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  5. Evolution of the Indian ATM Industry and the Role of Electronic Payment and Services (p) Ltd.

    AUTHOR(S) : Vandana Jayakumar and Y. Bala Bharathi
    PUBLISHED DATE: 10/08/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE STUDY
    CASE ID: BFS-6-0009
    CASE LENGTH: 82 Pages
    DESCRIPTION:
    In 1987, the Hong Kong and Shanghai Banking Corporation (HSBC) installed India's first Automated Teller Machine (ATM) in Mumbai, heralding the beginning of the  Indian ATM industry. The Indian ATM industry grew gradually and by 1999, there were 1,521 ATMs installed across the country. The Indian ATM industry witnessed a rapid  growth over the last decade (2005-2015). Being the second most populous country of the world, with around 40% of its 1.3 billion population still unbanked, India ...
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  6. A Banker’s Dilemma – How to Evaluate a Commercial and Industrial Loan Request?

    AUTHOR(S) : Prof. D N Panigrahi, Associate Professor, Finance and Bank Management, Institute of Management Technology (IMT), Nagpur
    PUBLISHED DATE: 09/02/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASELET
    CASE ID: BFS-2-0006, BFS-2-0006A
    CASE LENGTH: 4 Pages
    DESCRIPTION:
    This case study aims to illustrate the art and science of bank lending function which covers credit analysis, evaluation and management. Bank lending function is a process driven task with well-defined sequential steps. The steps are: understanding bank's loan/credit policy, business development/customer acquisition, obtain/receive formal loan application/proposal in bank's standard format along with the requisite documents, credit investigation/borrower selection/ customer due diligence, credit analysis/appraisal/evaluation ...
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  7. Ultra Small Branch Step Towards Financial Inclusion: A Case Study*

    AUTHOR(S) : Dr. Pooja S. Kushwaha, Assistant Professor, Jaipuria Institute of Management, Indore and Prof. Kalyani Mulchandani, Assistant Professor, Jaipuria Institute of Management, Indore
    PUBLISHED DATE: 04/02/2016
    PUBLISHER: ET Cases - GSMC
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE STUDY
    CASE ID: BFS-1-0005, BFS-1-0005A
    CASE LENGTH: 13 Pages
    DESCRIPTION:
    Even after more than 60 years of India's independence there is big community in the country which is not included in banking, because of which they are unable to access any financial products and services, as a majority of these products demand for bank account details. Khan Commission was formulated by RBI in 2004 for incorporating financial inclusions. The digital India campaign would be successful if India would practice financial inclusion in a true sense. To practice financial inclusion RBI instructed ...
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  8. Agent or Steward - The Case of Pratham Insurance*

    AUTHOR(S) : Manoj Das, IIM Indore
    PUBLISHED DATE: 02/02/2016
    PUBLISHER: ET Cases - GSMC
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE STUDY
    CASE ID: BFS-1-0004, BFS-1-0004A
    CASE LENGTH: 5 pages
    DESCRIPTION:
    This case study is meant to introduce the students/participants enrolled in a personal selling course to the decision making dilemma, about which approach is best suited to cater to the customers' needs? It revolves around Pratham Insurance Company (Pratham Insurance), a well-established player in the field of insurance with 20 offices all over India. Lately, there had been increasing instances of employees manipulating customers' by mis-selling products to them and being indifferent to their requests. ...
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  9. The Business Behind Payments Banks

    AUTHOR(S) : Y. Bala Bharathi and Dr. Nagendra V. Chowdary
    PUBLISHED DATE: 07/01/2016
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE FLYER
    CASE ID: BFS-4-0003, BFS-4-0003A
    CASE LENGTH: 5 Pages
    DESCRIPTION:
    This case flyer and the base article1 intend to introduce students/participants to the concept and importance of financial inclusion in general, role of Payments Banks in achieving financial inclusion as well as Critical Success Factors (CSFs) and challenges on their way to build a business around financial inclusion in particular. This case flyer's purpose is to understand the business, operating and revenue models of the newly permitted Payments Banks. On August 19th 2015, Reserve Bank of India ...
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  10. CASA Takes a Dip

    AUTHOR(S) : Y. Bala Bharathi and Dr. Nagendra V. Chowdary
    PUBLISHED DATE: 27/11/2015
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE FLYER
    CASE ID: BFS-4-0002, BFS-4-0002A
    CASE LENGTH: 4 pages
    DESCRIPTION:

    This case flyer and the base article ("CASA takes a Dip" by Sangita Mehta in The Economic Times, August 26th 2015) are meant to sensitize the students/participants to the concept and importance of Current Accounts and Savings Accounts (CASA) deposits in any banks’ profitability/operations. CASA ratio is an important element in addressing a bank's profitability. Higher the CASA ratio vis-à-vis the total deposits of a bank, the higher the amount available at lower cost of servicing. ...
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  11. New Banking Paradigm

    AUTHOR(S) : Y. Bala Bharathi and Dr. Nagendra V. Chowdary
    PUBLISHED DATE: 25/11/2015
    PUBLISHER: ET Cases
    CATEGORY: BANKING & FINANCIAL SERVICES
    PRODUCT: CASE FLYER
    CASE ID: BFS-4-0001, BFS-4-0001A
    CASE LENGTH: 4 pages
    DESCRIPTION:

    This case flyer and the base article ("New Banking Paradigm' by Shinjini Kumar in The Economic Times, dated: August 26th 2015) are meant to introduce the participants/students to the concept, the need and important distinguishing characteristics of payment banks. Based on recommendations of Nachiket Mor (Mor) Committee (December 2013) and keeping in line with global trends, the Reserve Bank of India (RBI) granted 'in-principle' approval to 11 Payment Banks on February 19th 2015. Six out of these ...
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