Venkat Rangan, Author at

Venkat Rangan, Author at

CEO Speaks: The Internet of Things

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Internet of Things

“CEO Speaks” will be the space where I will be sharing my thoughts about people, technology and things that inspire me and Market Simplified.

There were times when only a handful of computers around were connected. Then came the PC revolution and internet that connected millions of computers across the world. The dawn of 2018 saw global internet users crossing 4 Billion and more than 51% of internet traffic is consumed via mobile phones. It’s an undeniable truth that Smartphones revolutionized the way we consumed data. But, this technology revolution doesn’t stop here. In the near future, trillions of electronic devices will be communicating with each other forming the Internet of Things (IoT).

This technology is all set to transform the world around us in conjunction with other emerging technologies such as AI, BlockChain and Virtual Reality. This tech got great potential as it’s expected to grow from USD 170.57 Billion in 2017 to USD 561.04 Billion by 2022.

If you are clueless about IoT, the following must help.

The Internet of Things (IoT) is the network of vehicles, home appliances, physical devices and other items embedded with software, electronics, actuators, sensors and connectivity which help these objects to connect and exchange data. Each device is uniquely identifiable through its embedded computing system but is able to inter-operate within existing Internet infrastructure.

The below are the 6 key characteristics of IoT

1. Intelligence
IoT is the combination of algorithms, computation, software & hardware. Capabilities enhancement of IoT is done by ambient intelligence which facilitates intelligent responses given a situation. It helps them in carrying out specific tasks. The interaction between the user and device is achieved by standard input methods and graphical user interfaces.

2. Connectivity
Connectivity empowers Internet of Things by bringing everyday objects together. It is all about the accessibility and compatibility of the network. Accessibility is about getting onto a network while compatibility is the common ability to use the data. With connectivity, new market opportunities can be created by the networking of smart things and applications.

3. Sensing
We tend to take our senses, our ability to understand the physical world and people around us, for granted. Sensing technologies provide us with the means to create capabilities that reflect a true awareness of the people and the physical world. This technology is simply the analog input from the physical world, but it can provide a rich understanding of our complex world.

4. Expressing
Expressing helps interactivity with people and with the physical world. Whether it is a home or a farm with agriculture technology, expressing enables us with a means to create products that interact with the real world. Expressing allows us to directly interact with people and the environment.

5. Energy
Energy helps in bringing creations to life. The problem is we can’t create billions of things that run on batteries. Power efficiency, energy harvesting, and charging infrastructure are necessary parts of a power intelligent ecosystem that we must design.

6. Safety
IoT devices are vulnerable to security threats. As we gain efficiencies, experiences, and other benefits from the IoT, safety is also very important. We must design for safety as we are both the creators and recipients of the IoT. This includes the safety of our physical well-being and the safety of our personal data. It is important to secure the endpoints, the networks, and the data present across all of it. This means creating a security paradigm that will scale.

Market Simplified, being an innovation-driven company, we are already exploring innovative IoT use cases that would make the life of financial institutions easier.

About Market Simplified: Market Simplified is a thought leader in revolutionizing and digitizing products for financial institutions by continuously innovating and simplifying finance. We empower our customers with the cutting-edge digital experience that is highly personalized and enhanced for the end users with our ‘Experience Engineering’ platform driven by Analytics, AI, Machine Learning and Blockchain technologies. Our clientele includes industry leaders like OptionsXpress (Charles Schwab), Currenex (State Street), MB Trading, Maybank Kim Eng, Kotak Mahindra Bank, National Stock Exchange of India and many others across the globe.

 About the author: Venkat Rangan is the Founder and CEO of Market Simplified Inc. He is a technology enthusiast. Venkat also has a great interest in aviation and loves to read and learn about airplanes. Whenever he gets time, he likes to fly the Cessna Sky Hawk 172. His dream is to fly the Gulf Stream G650. Sometimes it makes us wonder – why he isn’t a pilot or running an airline business…

Congratulations ‘Team Charles Schwab’ for the launch of the first Human-Robo Financial Advisor

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congratulations 'team charles schwab'Congratulations ‘Team Charles Schwab’ for achieving your first technological milestone in the Artificial Intelligence segment!

Charles Schwab is a pioneer in providing the best in class trading experience for its customers. This year, Schwab has released its hybrid Intelligent Robotic Advisory coupled with guidance from Certified Financial Professionals (CFP) that has broken all barriers between man and machine.

AI is a new advancement that has come into vogue at a time when all of us feel humanization could be reduced in order to increase accuracy and precision in simple tasks. But, Charles Schwab thought differently and has come up with a human-Robo integration to bring in a personal touch for its customers by not being too archaic at the same time.

Schwab Intelligent Advisory as they call it provides clients with multiple investment options. This includes retirement planning solutions, taking into account, the customers’ financial plans and spending patterns. The solution provides unlimited access to a human advisor via phone or video conference and an investment portfolio of exchange-traded funds managed by computer algorithms. This is the first time humanization has been integrated so seamlessly with AI, such that customers do not feel that they are talking to a programmed machine to take their financial decisions. The investment professionals at Schwab provide support for their customers across all major asset classes. Interestingly we have already developed and designed a complete brokerage suite for OptionsXpress that has a 4 star rating in Google Play Store. To know more about this application, click here.

A highly sophisticated computer algorithm developed by our technical experts takes potential clients’ answers to our Investor Profile Questionnaire about their personal goals, time horizon and risk tolerance—and recommends a suitable portfolio for their accounts. Each portfolio can include up to 20 asset classes to ensure appropriate diversification.”  – Walt Bettinger, CEO, Charles Schwab

Last week, I had written about our Kotak 811’s digital customer on-boarding solution that we developed for them and is offered in India for the first time. The highlight of this solution is that, customers can open their bank accounts just within 5 mins. This is yet another instance where our partner firm has reached a technological mile stone and we are indeed proud of Schwab’s achievement.

About Charles Schwab: Charles Schwab is one of the largest brokerage firms in the United States. The company provides services for individuals and institutions that are investing online. The company offers an electronic trading platform for the purchase and sale of financial securities including common stocks, preferred stocks, futures contracts, exchange-traded funds, options, mutual funds, and fixed income investments. It also provides margin lending, and cash management services. Schwab also provides services through registered investment advisers. To know more about Charles Schwab, visit www.schwab.com or www.optionsxpress.com

About Market Simplified: Market Simplified is a thought leader in revolutionizing and digitizing products for financial institutions by continuously innovating and simplifying finance. We empower our customers with cutting edge digital experience that is highly personalized and enhanced for the end users with our ‘Experience Engineering’ platform driven by Analytics, AI, Machine Learning and Blockchain technologies. Our clientele includes industry leaders like OptionsXpress (Charles Schwab), Currenex (State Street), MB Trading, Maybank Kim Eng, Kotak Mahindra Bank, National Stock Exchange of India and many others across the globe.

 About the author: Venkat Rangan is the Founder and CEO of Market Simplified Inc. He is a technology enthusiast. Venkat also has great interest in aviation and loves to read and learn about airplanes. Whenever he gets time, he likes to fly the Cessna Sky Hawk 172. His dream is to fly the Gulf Stream G650. Sometimes it makes us wonder – why he isn’t a pilot or running an airline business…

Gulf stream G650

Gulf stream G650

 

Kotak’s 811 Banking App – Digital Customer On-boarding for the first time in India

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kotak 811

Of late, there have been lot of talks on how financial institutions need to take steps to engage and retain their customers. Once we have engaged them, how do we get them to stay interested? In other words, how do we make their banking simpler? How do we transform their banking experience to a whole new level? We, at Market Simplified, faced the same challenge when our client ‘Kotak Bank’ approached us stating that they wanted to increase their customer base up to 2 times. This was just about the time demonetization occurred. When the whole nation was struggling to change their 500s and 1000 rupee notes, we were brainstorming for a solution that could turn around things for Kotak.

Customer on-boarding is an important part of account set up process for any bank. On the down side, this was the only area that was not automated since these were important details and humanization was necessary to check for any discrepancies. But on the up side, automation of this process also eliminates any man made errors resulting in fool proof on-boarding of new customers. Customers will find this as a great value addition as they will not have to physically be present at the bank for opening an account. This is all the more important in case of millennial customers as they are looking for convenience banking and very little interaction with brick and mortar bank.

Many banks and financial institutions have come up with various methods to simplify banking for its customers by making mobile apps, bot based banking and so many others. We are among the very few to think of a solution to on-board customers by just using the app that needs no physical presence at the bank and which is also completely paperless. All the customer needs is, an Aadhar and a Pan card to finish his account set up. This will be a major step forward for  customer service and very few banks have actually done this paperless customer on-boarding.

Uday Kotak, Executive Vice Chairman & Managing Director, Kotak Mahindra Bank said,“We have always believed in value creation for our stakeholders. In pursuit of this, we have implemented multiple strategies – both organic and inorganic – thereby establishing our presence across the entire gamut of financial services. We aim to double our customer base in 18 months. 8/11 changed India. 811 aims to take our Prime Minister’s vision forward. It offers access to over 100 features on mobile including completing financial transactions, managing investments, fund transfer, and is an ideal lifestyle app for e-commerce on Flipkart, PVR, Goibibo, etc. 811 is fully integrated with Bharat QR Code, India’s new digital payment system, developed by the Government of India. The app is also Unified Payment Interface (UPI) enabled, for instantly sending and receiving money. Further, 811 customers will enjoy all digital transactions at zero cost, and get a free virtual debit card.”

kotak pan   Kotak Aadhar

I wish to thank my entire team at Market Simplified, for enabling us to achieve this great milestone which only a few other banks have achieved so far. Also, Kotak Bank has been our premiere customer and it has been a pleasure working with them as they constantly give us new challenges to work on. After Kotak 811, Kotak’s customer base has increased to 17 million with close to 500,000 installs and the app also has a 4.5 star rating. To know more about Kotak 811, click here.

About Market Simplified: Market Simplified is a thought leader in revolutionizing and digitizing products for financial institutions by continuously innovating and simplifying finance. We empower our customers with cutting edge digital experience that is highly personalized and enhanced for the end users with our ‘Experience Engineering’ platform driven by Analytics, AI, Machine Learning and Blockchain technologies. Our clientele includes industry leaders like OptionsXpress (Charles Schwab), Currenex (State Street), MB Trading, Maybank Kim Eng, Kotak Mahindra Bank, National Stock Exchange of India and many others across the globe.

 About the author: Venkat Rangan is the Founder and CEO of Market Simplified Inc. He is a technology enthusiast. Venkat also has great interest in aviation and loves to read and learn about airplanes. Whenever he gets time, he likes to fly the Cessna Sky Hawk 172. His dream is to fly the Gulf Stream G650. Sometimes it makes us wonder – why he isn’t a pilot or running an airline business…
 
Gulf stream G650

The Invincible Machine Learning Technology

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market simplified machine learningHave you ever wondered how Facebook shows us ads that are in line with our recent likes or searches? How does YouTube display ads related to our recent internet searches? In this era, we already know that marketing trends are such that, ads and promotions are customized to the needs and preferences of the end customers. Industries have become highly customer centric and are devising strategies to make their products to be in sync with their customers’ life style and interests.

Machine Learning is the most trending topic after predictive analytics and big data. What is machine learning? ‘Machine learning is a type of AI that provides computers with the ability to learn without being explicitly programmed.’ Actually, ML goes hand in hand with big data analytics. IDC (International Data Corporation) had already estimated that “banks will spend US$17 billion in big data and business analytics solutions in 2016.”

From massive data, ML actually studies and makes patterns that are meaningful. With this, it learns and understands the trends from past data and gives us relevant results. For instance, when we type in a Google search term, we see the prompters and auto fills for the search keywords. How is this even possible? With millions of searches every day, how does Google know what we are looking for with just a few search terms that are typed in? Many times, when we mistype a search term, Google cross references this with similar ‘typos’ in the past and gives us the correct search terms.

capture 2

All of these are because of ML and big data analytics. Search engines like Google and other big streaming services like Netflix have their own analytics engines that study millions of users’ behaviour and engagement information to know what items are most viewed or what image is most searched and provides results based on that. Amazon is another example of how it tries to sell products that are based on the customers’ past searches and purchases. Facebook claims that – “it processes 2.5 billion pieces of content and over 500 terabytes of data every day. In addition, it collects an average of 2.7 billion “Likes” and 300 million photos a day. Every hour, Facebook scans more than 200 terabytes of data.” This is just one company we are talking about.

ML is a huge enhancement to big data analytics. ‘Smart machines will become an integral part of business and daily life creating insight from data in ways that, humans on their own could never do’ – Machine Learning: The real business intelligence. ML is starting to simplify user interaction with machines to the extent that there is a virtual person that has the ability to think, solve problems and give apt solutions based on historic data.

Experts of various financial institutions (FI) are developing solutions that have the ability to interact with potential customers and suggest various products and services based on buyer personas (like their income, financial goals, spending patterns and life style). For instance, a wealth management app can have an analytics engine that could track and study the patterns of the past investments of a customer and suggest various portfolio options for the user. This is just the tip of the iceberg.

At Market Simplified, we are already in this journey of designing our solutions with all of these product embellishments. When solutions are designed with such enhancements, customers would surely be delighted. Millennial customers want minimal physical interaction with their FIs. They needn’t go to the FI in person or painstakingly call a customer service help line number only to hear an automated message and wait till the ‘end of time’ before an actual executive tends to them. ML would enable FIs to run the entire financial operations with least human intervention. It is just a matter of time!

References: Tim Cole’s – Big Data is Dead: Long Live Predictive Analysis; Kai Goerlich – Machine Learning: The Real Business Intelligence; Fintech Innovation – Banks lead big data analytics spend through 2020; Market Simplified – How important is it to know your customers.
 
About Market Simplified: Market Simplified is a thought leader in revolutionizing and digitizing products for financial institutions by continuously innovating and simplifying finance. We empower our customers with cutting edge digital experience that is highly personalized and enhanced for the end users with our ‘Experience Engineering’ platform driven by Analytics, AI, Machine Learning and Blockchain technologies. Our clientele includes industry leaders like OptionsXpress (Charles Schwab), Currenex (State Street), MB Trading, Maybank Kim Eng, Kotak Mahindra Bank, National Stock Exchange of India and many others across the globe.
 
About the author: Venkat Rangan is the Founder and CEO of Market Simplified Inc. He is a technology enthusiast. Venkat also has great interest in aviation and loves to read and learn about airplanes. Whenever he gets time, he likes to fly the Cessna Sky Hawk 172. His dream is to fly the Gulf Stream G650. Sometimes it makes us wonder – why he isn’t a pilot or running an airline business…
Gulf stream G650

Gulf stream G650

 

 

Analytics Will Be The Way To The Future

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analytics‘Analytics is the discovery, interpretation and communication of meaningful patterns in data.’

In today’s world, data is wealth. Most firms store massive amounts of data so that it can be put to good use in future. The future has finally arrived! Many banks and Financial Institutions (FIs) are trying to engage their customers better so that it can lead to a more personalized approach and enable customer retention. So far, these institutions have been using push strategy in marketing where materials are pushed to customers on a very generic basis without any study in relevance. This strategy is more or less like taking a chance. Some customers will find it relevant and some might not. Ultimately, the ones finding it not to be of their interest will unsubscribe to the mails or might permanently add the mailers to spam. To avoid this, FIs have started using data analytics to analyse and derive meaningful inferences and then devise marketing strategies to personalize the experiences for their customers.

This is where Analytics comes into play. Companies are forced to anticipate customer needs in order to provide them with better services that are in sync with their financial goals. Is it possible to determine the patterns on a wide customer base? According to studies, most financial organizations have massive store houses of data, but a very small portion knows what data is important, or how to leverage this data for increased revenues and lower costs. FIs should necessarily figure out unique strategies to engage customers in interactions based on their needs, life stages, aspirations and account spending. Analytics provides the golden opportunity to look into the future. Here is how the process works!

To do an analysis, FIs and banks first need to ask the following questions.

  • What type of data is needed?
  • Based on the collected data, what type of analytics should be used?
  • What type of marketing model is best suited to determine a product or service for a customer?

Once these questions are answered, the company will be able to determine a more personalized approach designed exclusively for different sets of customers.

According to Aite Groups, these are some of the most important areas in which analytics can make a difference to customer acquisition and retention.

  1. Channel preferences: By identifying the banking channels used by the customers, FIs can connect with them through these channels based on the majority.
  2. Social Media: Studies also show that two thirds of customers use social media. This can be a great insight to study customer behaviour and life events.
  3. Mobile data: Understanding how often an app is used or the amount of time spent on an app will give insights to add/remove features based on user analytics.
  4. Customer ratings and reviews: This is the best way to know and understand what apps and services a customer likes or dislikes.
  5. Bill payments: Understanding regular or periodic payments of a customer can be a valuable insight for the FIs in order to devise ways to engage them through push notifications and reminders.
  6. Personalized Financial management: This is the most important part of predictive analytics. FIs should know the financial goals of its customers. This will help them hand-hold their customers to reach these goals by recommending products and services that are in line with these goals.
  7. Geo Location: Location based services have gained much importance after the disruption of digital banking and the advent of smart phones. This could be a great value addition since information on nearest ATMs, customer care centres and other services will come in handy when customers are in unfamiliar locations.
  8. Weather and other services: If majority of customers choose digital channels for their banking, weather forecasting does very little. However, it is still a value addition.

Here are a few testimonies from top banks in the US.

Bill Hoffman, Chief Analytics Officer, US Bank, Minneapolis – “I had a front row seat to both the amazing power of good decisions and the destructive power of bad ones. I developed a visceral dislike for bad decisions, which has powered my professional passion: to enable good decision-making. At the end of the day that’s really the fundamental mission for anyone in a data analytics role. Keep the customer at the centre in whatever you do. Focus on creating value at the intersections. Quite often an organization’s data analytics “power plants” are up, but the lines are down. The biggest sources of value from data analytics will come from the power lines that connect a holistic understanding of – and insights on – your customers’ relationships with you across business lines, across products and services and across all channels.

Rajendra Patil, Head of Data Strategy & Decision Science, Bank of New York Melon, NY – “You can’t improve anything unless you are able to measure it and analyse it. Culture change is about improvement. You have to start with user needs and wants and make sure that the things we work on and the questions we ask are relevant to addressing them, directly or indirectly.”

Customers are always on the lookout for personalized services that are relevant to them. Data Analytics will be a sure enhancement to help industries get a demographic concentration of the total population based on their interest, life style and financial goals so that their products and services can be specific to their needs and preferences. The next big thing is data analytics which is yet to be tapped to its fullest potential. In the years to come, we will be able to see the intrusion of predictive tools, big data and analytics apart from AI and Machine Learning.

About Market Simplified: Market Simplified is a thought leader in revolutionizing and digitizing products for financial institutions by continuously innovating and simplifying finance. We take pride in giving the best User Experience with highly personalized and enhanced transaction experience for end customers with our ‘Experience Engineering’ platform that is driven by Analytics, AI and Machine Learning technologies. Additionally, the solutions are also powered using Blockchain technology. Our clientele includes industry leaders like OptionsXpress (Charles Schwab), Currenex (State Street), MB Trading, Maybank Kim Eng, Kotak Mahindra Bank, National Stock Exchange of India and many others across the globe.

About the author: Venkat Rangan is the Founder and CEO of Market Simplified Inc. He is a technology enthusiast. Venkat also has great interest in aviation and loves to read and learn about airplanes. Whenever he gets time, he likes to fly the Cessna Sky Hawk 172. His dream is to fly the Gulf Stream G650. Sometimes it makes us wonder – why he isn’t a pilot or running an airline business…

Gulf stream G650

Gulf Stream G650

 

Synthesis of your left and right: My Outlook on Managing a company

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According to theory, left brain is more associated with logics, analytics and objectivity; and the right is emotions, intuitions and creativity.

My experience tells me that the need of the hour is lateralization. Today unlike the past, your colleagues who are joining you fresh(Gen Y) have been groomed in a system which is very different from what we or our past generations had been through. Today when someone walks out of school, he or she wants to define his/ her working environment before he/she picks up their career. He/She is used to the freedom of making a choice in his/her life, this freedom is set as the basic expectation into everything that she does be it pursuing his/her passion or her career. Today companies need to adapt to this change, the Chief People Officer/HR needs to be the change agent; now the Chief People Officer/HR will play the role of a catalyst and synthesizing between the left and the right. People have started seeking more to get the sense of belonging in an organization, if you think of it, it does not take much to bridge this gap; today culturally the asking is for a large family kind of work environment.
Everybody needs to be given ownership of their responsibility and if done well the result is quite astonishing. The success lies in managing the blend the left and the right in the right proportion as demanded by the situation.

Being a catalyst myself , my efforts would be to seek for the right blend, to deliver the contentment and happiness to our BOSS- the customer; the rest follows anyways.

INSTITUIONALISING ( Growing up)

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Writer’s block or should I say runner’s block to write
Non writer’s excuses: For what has been happening while I was not active on the blog, here is a sneak preview of my updates on FB(yeah I am regular on that!!)

November 28, 2011:
We (INXS Technologies) are one among the top 50 emerging companies in India selected by NASSCOM. Great show by the team INXS.

June 8 2012:
Heading to Colombo, Srilanka for two days

June 13 2012:
Speed training in Anna Univ track. 7 x 400 fast and 5 x 400 slow and 1 Km crawling to my car ;)
Now off to Mumbai for a day….

June 17 2012
Super Sunday morning run :)
Ran 17.48 Kms with Tiger and Senthil.

June 21 2012
Now to Bangalore for a day…..for a change driving down from Chennai :)

June 22 2012
Ran 8 Kms in Anna AU and feeling really super…now belting Appams with kadala curry and tenga paaal ;)

June 30 2012
Venkat Rangan among the panelists at TeachSparks 2012 at IIT M, India’s Biggest Startup Discovery Platform

July 8 2012

Down with cervical spondylosis (pain in the neck literally )for the last 4 days. Going through physio treatment now…banned from running till end of next week…this is really frustrating….now off to Mumbai for a day.

July 17 2012

Off to Singapore and Jakarta, Indonesia. Will be back this Saturday afternoon. Good day guys :)

And just not opening my blog page to write everything that I have been wanting to speak about…refer point one for this ;)

Now some serious stuff what occupied most part of my last year:

Reception

Scaling the business, Settling into our new premises, Managing Change and all the celebrations and angst that go along with it.

Amphi theatre

Start of something new is always filled with excitement and anticipation and of course a lot of work to reach there. The excitement of building a start-up is definitely comparable to bringing up a child – each step forward is like a child crawling, walking and eventually running. The biggest learning I have got from this is that there is no instant result or solution, but as along as we learn to be patient and persistent you can make it happen your way. I believe all these lessons good or bad will shape the company and its future.

Front view

There are times when you feel you can sprint a marathon , but just like Rome was not build in a day; so can’t a solid institution, it is not just about bricks and mortar but the strong foundation in terms of ethics, culture, people and business practice that lay the foundation to a strong institution.

Side view office

This has defined our journey from 15 ARK Colony, Alwarpet to 13th Floor Ascendas International Tech Park. We have grown in numbers taking the total team strength from 16 to 100 colleagues now, the square feet from 3500 to 23000; AND 11 to 26 Clients.

Conference room

This year the transition has been huge : Seven colleagues got engaged and eight got married. Four New Daddys :-) and one already a movie Star now

In spite of all the stats above we are still are the same team INXS.

Anna University Speaking: Ethos and Pathos

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” I am appealing to both the ethics and emotions of the (supposedly)
educated students and also their parents. It gives me great pain to
see my Campus so dirty, and not by some uneducated
people, but by the future students (who come for counseling for
engineering courses) of the University itself!

What value does the education have if you cannot imbibe its essence? Sad are the future
engineers who aspire to build buildings and great structures but fail
to keep their immediate surroundings clean.

Why do these young minds fail to understand that cleanliness is next
to godliness? Is moral science just some subject which you read and
not understand?

Please understand that ALL of you students are ALREADY dreaming of going abroad even before you join you course and dreaming of writing
to your family about the wonderful surroundings in the countries you MIGHT reside.

ALL of you FAIL to understand that those countries are what they are because people like you aspired not to leave the country they live in but to change their own country. Change starts from within…..all of you are seeking the change outside refusing to change within..

As parents it is very important for you to instill these values to your children
very young. When you throw a plastic bottle in the open and not in
the bin, please understand your children will not be different from
you.

A very important landmark and Alma Mater to many, I
deserve to be a better place and I do hope that there not many young
minds who litter their own university but expect miracles from their
country. I am not a exception but an example of the plight of our country

Please educate yourselves…..with all the right things in life….PLEASE”

Yours truly,
Anna University

Ground Level Meetings

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“Client Deadlines, SIFMA conference in the US next week and more projects taking off in India and Singapore …. should we say we are still grounded!!!

Ground Level meeting

Here are our VP Products and Solutions-Praveen with our tech team, discussing project deliveries…….Ground Level Meeting

Gaming

Did I say we were REALLY hard pressed for time!!!
seen above are some of our UI team members trying to bring in more ingenuity by gaming off in our office XBOX 360