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We Like Project
RUCHITA SANGARE

UNDERTAKING BY STUDENT
I Ms. Ruchita Sangare, having admission no. HPGD/AP19/1139, declare that project work done for Project We
Like is my own work conducted as part of my syllabus.
I further declare that project work has been prepared personally by me after viewing the content under ‘We
Tube, We Lounge and Newswire’ and it is not sourced from any outside agency or any other student.
I understand that, any such malpractice will result into I being debarred for subject viva and will be considered
fail for that subject. I also understand that I will have to face very serious consequences and my admission to the
program will be cancelled without any refund of fees. I am also aware that, I may face legal action, if I follow such
malpractice.
I hereby abide to take the viva faculty’s decision as final for evaluation of Project We Like.
Ruchita Sangare
Signature of Candidate

Mr. Rahul Paralkar
DIRECTOR – TRANSACTION BANKING, ANZ BANKING GROUP

Learnings :
From this video I understood various points as he……
Spoke about his professional journey as it was a huge paradigm shift from managing local
clients, SME to International clients. He came to know about the various scope to work in and
how to position himself in his career path which was very exciting.
Spoke about how challenging and upgrading it was to manage studies and work at the same
time. He was able to built his career by meeting various variety of people and had different
experiences, received a lot of positive energy from his classmates. From the practical experience
and case study for 2nd & 3rd year he gained experience as he moved up the ladder.
He keeps himself on the field by setting small goals personal and organizational. Always ready to
learn new things and self motivated.
Spoke about the fear of taking sales profile, it depends on the extroverted personality,
upbringing and confidence.

Contd……
Spoke about the various companies he worked as he was moving up the ladder. He stared his
career in IDBI Bank followed by HDFC Bank, BBS and finally ANZ.
Spoke about the types of banking i.e. retail and corporate. His career landed in corporate
banking dealing with corporate, merging and SME. It is important to build client relationship. He
joined the ANZ Bank before the acquisition when it was known as ANZ Grindlays Bank. Asia was
the key focus market for ANZ Bank in which India was not negligible because of which he got an
opportunity to learn how bank are set-up.
Spoke about how transaction banking is bread & butter of banking business. Payments &
collection in Local banking is referred as cash management but for International banking it is
trade finance. It is required globally.
Message for the viewer’s is to be self reliant, keep learning and start investing at an early age.

Mr. Nishant Deshmukh
MANAGING DIRECTOR, SUGEE GROUP

Learnings :
Spoke about his drive to become an entrepreneur by starting his own IT company Sigma Soft by
preparing ERP for pharmaceutical company but unfortunately it didn’t work out. So he decide to
work in the construction family business for 2 years and then back to his wish to open an IT
company. But during the project he gained interest.
Spoke how he came up with the brand name “Sugee”. In marthi language it means prosperity.
And also the initial of his mother and father.
Spoke about the challenges he faced while working on the project such as gaining the
confidence of the customer, price, research of the market and more.

Contd…….
Spoke about management of manpower to accomplish any construction project by having
trustworthy people around, no compromise on quality, decentralization, family environment in
the company and most important to give the possession before 4-5 months of due date.
Spoke about some points to understand the land business one of which is people want a hold of
land ( like a second home ), some want a feel of village who have the village far away, they want
a rural feel but in near urban and most important is to take a leap of faith.
Sugee is all about acquire, develop and sale. Sugee never get into any land parcel with litigation.
Message for the viewer’s is to keep the spirit high, struggle, passion, patience to create
something.

Mr. Mainak Dhar
MANAGING DIRECTOR, GENERAL MILLS

Learnings :
Spoke about how amazing is his professional journey as well as personal. Professionally starting
from Procter & Gamble for 18 years in Mumbai for 3 years then succession of region experiences
across Southeast Asia, Asia pack and then in General Mills. He was able to work for this long was
that the organization sync in value in terms of commitment towards doing the right thing for
consumers and long term commitment to building business and organization.
Spoke about that he believes in management is tough business situation, turnaround, managing
change, not just to focus on what, he thinks a lot of people focus on the result or numbers. It is
equally important to focus on the why. If we focus on the way we can make sustainable change
by real commitment towards consumers and values.

Contd……
Spoke that the organization values sync with him and the progress of General Mills is because
everyone in the organization work together.
Every since he was a child he had the passion of writing. The most successful book was Alice in
deadland, and his personal favorite is The funda of Mix-ology because he exploited a lot thing
close to his heart.
Spoke about how he has realized over time that work life balance is a false concept. We all have
life, work is important part of it, but it is one part of life. We are not really balancing work with
life, we are balancing all the roles in life.
Message for the viewer’s be humble, be curious, be resilient.

Learnings :
Banking Automation refers to the system of operating
the banking process by highly automatic means so that
human intervention is reduced to a minimum.
Market trends driving change in the financial services
industry:
1. Exponential technology change.
2. Rise of consumer power.
3. Transformational economy.
4. Changing demographics.
5. Increase competitive pressure.
6. The new normal.
Banking Automation Principles:
1. Scalable modular design.
2. Simple to use self service solutions.
3. Based on proven technology.
4. Low risk.
5. Cost effective.
6. Match growing customer expectations.
Types of automation:
1. Mobile and internet.
2. Call center.
3. Branch.
4. Self service.

Contd….
Strategies for a successful business models :
1. Driving operational efficiency.
2. Strengthening security.
3. Transforming consumer experience.
4. Improving sales effectiveness.
Future trends in self-service :
1. Intelligent customer communication.
2. Streamlined workflow-market campaign.
3. On-demand metrics.
4. Emerging role of social media.
Trends in self-service :
1. Video banking.
2. RFID technology.
3. Mobile banking.
4. Financial inclusion.
5. Cash cycle management.
6. Convenient access.
7. The cost of cash.
8. Cash forecasting and optimization solution.

Blue Ocean Strategy For
Online Banking

Learnings :
Keys point of Blue ocean strategy:
1. It’s grounded in data.
2. It pursues differentiation and low cost.
3. It creates uncontested market space.
4. It empowers you through tools and framework.
5. It provides a step-by-step process.
6. It maximizes opportunity while minimizing risk.
7. It builds execution into strategy.
8. It shows you how to create a win-win outcome.
Blue ocean strategy was developed by
W. Chan Kim and Renee Muborgne.
Blue ocean strategy is the
simultaneous pursuit of differentiation
and low cost to open up a new market
space and create new demand. It is
about creating and capturing
uncontested market space, thereby
making the competition irrelevant. It is
based on the view that market
boundaries and industry structure are
not a given and can be reconstructed
by the actions and beliefs of industry
players.

Contd….
BLUE OCEAN STRATEGY
1. Business growth require commitment.
2. Timing is everything.
3. Innovation rather than imitation.
NEW SALES CYCLE FOR ONLINE BUSINESS
LEAD
PROSPECT
CLIENT
FAN
BRAND
EVANGELIST

Different Modes Of
Entry Into International
Business

Exporting
Forms of exporting :
1. Indirect Exporting – Indirect involvement means that the firm
participates in international business through an intermediary and
does not deal with foreign customers or markets.
2. Direct Exporting – Direct involvement means that the firm works with
foreign customers or markets with the opportunity to develop a
relationship.
3. Intra-corporate Transfer – It is selling of goods / services by a firm in
one country to an affiliated firm in another.
Licensing :
Licensing is when a firm called the licensor leases the right to use its
intellectual property. An export license is a document issued by the
appropriate licensing agency after which an exporter is allowed to
transport his product in a foreign market. The license is only issued after a
careful review of the facts surrounding the given export transaction.
Franchising :
Under this, an independent organization called the franchisee operates
the business under name of another company called the franchisor. It is a
form of licensing, but the franchisor can have more control over the
franchisee as compared to that in licensing.
An export in international trade is a
good or service produced in one
country that is bought by someone
in another country. The seller of
such goods and services is an
exporter; the foreign buyer is an
importer. Export of goods often
requires involvement of customs
authorities.

Contd……
Specialized
entry modes
Contract
manufacturing.
Turnkey
project
Management
contract
• Greenfield
strategy.
FDI
without
alliances
• Mergers.
• Acquisition.
• Joint ventures.
FDI with
strategic
alliances

International Commerce
& Guidelines

Learnings :
Partnership Strategy :
1. Business development team focused on large
merchants.
2. Sales associates focused for SMB merchants.
3. BD deals with e-commerce platforms – referrals, co-
selling.
4. Partnerships with banks.
Merchant Acquisition Strategy :
1. Partnership with domain providers.
2. Partnership with hosting companies.
3. Marketing programs.
Regulator guidelines for International Commerce –
Export:
1. Choose tour products.
2. Decide your company name. ( mostly ending with
exports )
3. Register your company.
4. Apply for IEC. ( Import Export Code )
5. EDC registration – Register your export company
with nearest port. ( airport & seaport )

Contd….
Foreign Exchange Regulation Act (FERA) :
It imposed severe restrictions on the types of payments and the transactions in foreign exchange
and securities, and those transactions that impacted the foreign exchange as well as currency
import and export indirectly.
Foreign Exchange Management Act (FEMA) :
The intentions of the FEMA Act are to perhaps revise and unite laws tat relate to transactions of
foreign exchange and encourage an orderly maintenance and development of the foreign
exchange markets in India.
Exchange Earners' Foreign Currency (EEFC) :
An EEFC is an account maintained in foreign currency with a bank dealing in foreign
exchange. Exchange earners' foreign currency account (EEFC) is an account maintained in foreign
currency with an authorized dealer i.e. a bank dealing in foreign exchange.

Learnings :
Me
time
Relieve stress
Renew energy
Improve concentration
Better night’s sleep
Emotional stability

Contd…
TREAT YOURSELF TO…..
Do absolutely nothing
Go for a walk
Meditate and
daydream
Do something creative
Engage in
outdoor activities
Communicating
with friends or
close people

TOP 5 TRENDS FOR DIGITAL PAYMENTS IN 2020
- Kaushik Roy
The convergence of finance and technology gave rise to ‘FinTech’, and digital payments have been one of its
primary drivers. Technology has always been a keystone to the evolution of the banking and financial services
sector, as it continuously revolutionized the way the financial services were conceptualized, regulated,
disseminated, and consumed. However, the last few years witnessed technology emerging from the backroom
and taking center-stage alongside financial services. The convergence gave birth to the ‘FinTech’ movement, and
digital payments have been one of its primary drivers.
Here are the five key technology trends that we expect to shape the digital payments landscape in 2020.
1. The hyper-connected world.
2. Indian banking will experience significant disruption with consolidations.
3. The digital disruption of POS – the impact of ecommerce.
4. Regulators will turn digital.
5. Cybersecurity and RPA will focus primarily on fraud prevention & detection.

DIFFERENT TYPES OF DEBT FUNDS
- SEBI
We should choose our fixed income portfolio as per your goals and investment horizons.
1. Overnight Fund : Investment in overnight securities having a maturity of 1 day.
2. Liquid Fund : Investing in debt and money market securities with maturity of up to 91 days only.
3. Ultra Short Duration Fund : Investment in Debt & Money Market instruments such that the Macaulay duration of the
portfolio is between 3 months and 6 months.
4. Low Duration Fund : Investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is
between 6 months and 12 months.
5. Money Market Fund : Participating in money market instruments having maturity up to 1 year.
6. Short Duration Fund : Investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio
is between 1 year and 3 years.
7. Medium Duration Fund : Investment in Debt & Money Market instruments such that the Macaulay duration of the
portfolio is between 3 years and 4 years.

Contd…
8. Medium to Long Duration Fund : Invest in Debt & Money Market instruments such that the Macaulay duration of the portfolio is between
4 year and 7 years.
9. Long Duration Fund : Investment in Debt & Money Market instruments such that the Macaulay duration of the portfolio is greater than 7
years.
10. Dynamic Bond Fund : Investment across durations.
11. Corporate Bond Fund : Minimum investment in corporate bonds- 80% of total assets (only in highest rated instruments).
12. Credit Risk Fund : Minimum investment in corporate bonds- 65% of total assets (investment in below highest rated instruments).
13. Banking & PSU Fund : Minimum investment in debt instruments of banks, Public Sector Undertakings, Public Financial Institutions- 80% of
total assets.
14. Floater Fund : Minimum investment in floating rate instruments- 65% of total assets.
15. Gilt Fund : Minimum investment in G-Secs- 80% of total assets (across maturity).
16. Gilt with 10 year constant duration : Minimum investment in G-Secs- 80% of total assets such that the Macaulay duration of the portfolio is
equal to 10 years.

ADVANTAGE CAPTIVES AS GLOBAL FINANCIAL
FIRMS MOVE CORE TECH WORK IN-HOUSE
- Tech ET
More than 78 global banking and financial services companies, including Goldman Sachs,
Deutsche Bank, JP Morgan and Standard Chartered, have set up captive units here that employ a
combined 250,000 people.
Indian IT firms have seen global clients take back outsourced work to own centres as they see
technology impacting their business. Global firms also want to keep data of customers in-house,
since they view it as central to their business strategy.
Financial services firms have begun to insource a lot of work, with their India centres forming a
key part of that strategy, said Anand Subramaniam, associate director, Zinnov.
“There been an overflow of insourcing with the global centres, including India, picking up more
work in areas such as analytics and cloud. One reason is that you need to go to market faster,
doing more end-to-end work inhouse and integrating technology and operations...,” he said.

CASH REMAINS KING, HINDERS INDIA'S MOVE TO
DIGITAL ECONOMY
- Businesstoday
Central bank data shows that since the controversial demonetization gambit, currency in circulation has grown,
rising 17% to 21.1 trillion rupees ($295.7 billion) as of the end of March 2019.
For many citizens living in rural areas, cash is still the bedrock of daily existence because of a lack of facilities.
Indian Prime Minister Narendra Modi backed a shock ruling in November 2016 to outlaw 86% of cash in
circulation to target undeclared "black money" and fight corruption.
The demonetization got rid of old 500 and 1,000 rupee banknotes and Modi said that would boost the country's
digital economy, unearth unaccounted wealth and reduce the use of cash.
But 99.3% of the junked currency is back in the banking system, suggesting that only a miniscule portion was
unaccounted illicit money or fake currency notes, and India's addiction to cash is now, perhaps stronger than
ever.
To promote digital payment, the RBI has established "state of the art payment systems that are efficient,
convenient, safe, secure and affordable" that has resulted in a rapid growth in retail digital payment systems.

Contd….
Meanwhile, it will promote the use of e-payments for parking, fuel and toll collection, and has ordered banks
not to charge bank customers for online transactions in the National Electronic Funds Transfer (NEFT) system
from January 2020.
Anecdotal evidence, however, suggests people in Asia's third-largest economy prefer cash for various reasons,
including to avoid paying higher taxes after a national sales tax was implemented in mid-2017 and higher
charges from retailers.
Smaller stores who don't enjoy high volume sales often charge customers extra, to make up for what they must
pay the service partners for electronic transactions.
"Digital economy has certainly gained momentum in metros, cities and to some extent in semi-urban belts. But
it has not spread to rural belts or the informal sector where financial illiteracy is the issue," said Rupa Rege
Nitsure, chief economist at L&T Financial Holdings.
"It is difficult to predict when the shift would happen because general education and financial education are
different things," she added.

HOW MICROFINANCE SECTOR CAN LEVERAGE
BIG DATA ANALYTICS FOR FINANCIAL INCLUSION
With the help of Big Data, the Microfinance Industry will reach a position where they will have
the ability to provide products that customers exactly need.
The rapid enhancement in technology, new players and huge investments coming up in the
financial technology, mobile phone penetration are re-modelling the financial services vista.
With enhanced penetration of mobile devices globally, the opportunity to gain more
understanding about consumer behavior, comprising how they spend their money and time, has
also enhanced. They can now target a distinct group of people using such knowledge.

Contd….
With most credit institutions, functioning on IT-facilitated lending platforms and credit bureaus
updated with all the data, four vital facets are emerging:
1. Making reliable credit decisions based on data.
2. Big data-driven model promises psychometric evaluations.
3. Product build up and service positioning and offering.
There is a famous saying, "work smarter not harder", and big data strongly validates this. Big
data in union with various aspects of artificial intelligence (AI) has already begun to transform
the decision-making process of not just MFIs but also, several other industries such as
manufacturing, automobile, healthcare, communications, media.

SELECT YOUR NEXT BIG INNOVATION WITH AN
INNOVATION MARKET
- Innovation excellence
Here how it works :
1. Set up stalls (or separate rooms) where the presentations will take place.
2. Small groups attend each presentation in turn. The presentation lasts about five minutes with
another five minutes for questions and answers.
3. When people have seen all the presentations they vote – in secret so that no-one can see which is
currently the most popular project.
4. It is helpful to give people some criteria to help them with their voting. What sorts of innovations
does the organization need?
This method is subjective. People are influenced by the personality of the presenter, especially
someone who is enthusiastic and well-informed. There is no ROI calculation or detailed business
case. However, the crowds can be often prove to be wiser than the executives. And a big plus is that
there will be better support for the winning idea across the organization because so many people have
seen, contributed and bought into the project.

ORGANIZATIONAL CHANGE MANAGEMENT – 6 STEPS
AND STRATEGY
- Marketing91
6 STEPS IN EFFECTIVE ORGANIZATIONAL
CHANGE MANAGEMENT :
1. Defining change and aligning it with
business goals.
2. Impacts and effects.
3. Developing a communication strategy.
4. Offer helpful training.
5. Executing a support structure.
6. Measuring the process.
SUCCESSFUL ORGANIZATIONAL CHANGE
MANAGEMENT STRATEGIES :
1. Agreeing on implementing change.
2. Nudge forward strong leaders.
3. Employees aware of the positive impact of
the change on them.
4. Proper plan.
5. Measure the effectiveness of the plan.
6. Set your priorities and validate your metrics
and initiatives as part of your strategy.
7. Follow-up plans.

5 THINGS YOU DIDN'T KNOW RECRUITERS LOOK FOR
ON YOUR RESUME
- INC
Here are a few things those recruiters and hiring managers look for:
1. Keywords.
2. The connection between your resume and your LinkedIn profile.
3. Growth and contribution.
4. Interesting hobbies.
5. How you improved processes

HOW TO CHOOSE THE BEST IDEA
- Innovation excellence
EPIC FRAMEWORK
This framework was suggested by Todd Henry in his latest podcast episode
on – The Accidental Creative podcast. he shares more information about the
EPIC framework that you can use to pick the idea among all the options to
continue to work on. EPIC is an acronym that stands for Effective, Practical,
Interesting and cool. Each idea gets rated on a scale (1-10) on the following
questions:
1. How effective is this idea in solving the problem that we are trying to
solve?
2. How practical is the idea based on the constraints that we are operating
under?
3. How interesting and cool is the idea? How much energy does the team
have for the idea?
Once we rate each idea on these questions, we can then pick the idea that
consistently scores the highest on all the questions. If there is not a clear
winner, we can start looking at the ideas.
DVF FRAMEWORK

3 WAYS EMOTIONALLY INTELLIGENT LEADERS SET
GREAT GOALS
- INC
According to Jennifer Shirkani, EQ expert, author, and founder and CEO of Penumbra, emotional
intelligence is a critical factor in effective goal setting that is often forgotten. Shirkani offered
these three tips to help you increase the odds of reaching your goals.
1. Be realistic.
2. Build-in accountability.
3. Celebrate success.

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