Have you ever tried Turkish tea? For a tea-addict like me, it was incredible! And thanks to these fantastic tea flavors that I got to know about Turkey, a land with rich history in culture and food has also shaped the history of economics. The concept of stock exchange, commerce and money were all born in Anatolia. This rich heritage has inspired Turkish society’s shopping trends and payment culture. The young population is tech-savvy and innovating to built Turkey as a center of innovation for payments.

Do you know Turkeys introduced a contactless credit card way back in 2006, launched…


Image Credit — pngtree

The research firm HolonIQ estimates that less than 3% of education spend is allocated to technology. However, with global pandemic hitting us, technology plays a crucial role in education. In fact a report by RedSeer and Omidyar Network India has mapped the growth in usage from 2019 to 2020. It revealed that edtech users — both paid and free unique users — in K12 and post K-12 segment have seen an increase, with the user base doubling from 45 million to 90 million.

So, we all understand Edtech is the focus, however my point is that it’s not the courses…


Sailing Solo comes with its disadvantages, you do not have a team to share things, you want to get advice but you have no one to goto. With almost six years now sailing as a Solopreneur, I had my low times but what get me rolling is these tips that I learnt in my journey -

When in Need of Advice, take a break


In the year 2006, when I was in Pune, many Israelis were staying within our locality. Apart from the country name and a possibility of locating it on the world map, I hardly knew anything about Israel. So when I was offered this post, I never thought it would be an eye-opener to me, on Israel that is also known as startup-nation and ranks within the top 20 nations in the world. In fact as Wikipedia says — it is regarded as a Highly Developed country and has a high standard of living when compared to other western nations. But…


While, as a technology provider firm we always urge our clients’ Banks and FI’s to adopt “Digital Channels,” we also stress on How to evaluate the ROI of a Digital Bank after implementing the banking solution.

Here is a quick guide that would guide you to look for KPI’s and calculate the ROI of a Digital Bank -

KPI 1 — Cost to Acquire a Digital Customer [CAC]

If you have purchased a core banking solution, hired a team of development, sales, and marketing, you should know at what cost are you able to acquire a customer? CAC helps you in that, and it can be calculated as follows -


Image by Gerd Altmann -Pixabay

Stats of Personal loan [a type of Unsecured Loan]

*Performance of Unsecured loans is worsening because of its risky nature and low capital backing

*The challenges are mostly “manual underwriting” and “physical collection” during the pandemic that are in process of getting digitized.

*As per RBI data Personal loan [a type of unsecured loan] grew at a slower pace of 10.2 per cent in the last fiscal year ended March 31, compared with more than 15 per cent the preceding year. Source ET

*The worst hit was “Consumer Durable loans” that decreased by 21 % in March 2020 -2021, where previous year it grew to 47.6% — Source ET


Image Courtesy — Daniela Constantini

This morning I got up at 6:30 am, ahhh, got late was my first thought!

But then I took another 30 mins to actually get up!

All late late but its okay, I thought!

I started my Yoga at around 7:55, and by that time he was dressed in his formals heading to kitchen as he had a call at 8:30 am. I assured myself, he might not be hungry now so he can take his milk and get into the call, breakfast can wait.

After my session and meditation, when I came to kitchen I saw toaster still warm…


Image Courtesy — freepik

Sailing Solo!

Free Bird!

I am the Boss!

The above lingos seem like music to ears, it seems the world has fallen to your feet and you are the Queen!

But as they say — Grass is always greener on the other side!

So this article would walk you through weighing the pros and cons of freelancing and we will also discuss if it is indeed a career booster to women!

There could be many reasons why an individual considers freelancing, like

· The need for extra income

· Looking for Flexibility

· Urge t explore something new from your…


There is a very good bakery in my locality that offers whole wheat products without any preservatives. I am very fond of their Cashew Jaggery Brioche. After ordering for almost 6–7 months, I decided that let me give it a try at home. So I browsed Brioche recipe and got one, now I didn’t had yeast the other day, so I used soda thinking it would still work!

Nevertheless I wasn’t expecting the bakery style Brioche at first go, but what I got was a bread loaf with jaggery and cashew scattered here and there.

As it was warm and…


Hope is a magical word!

From statements like -

I will make this dish tomorrow

to

Will surely meet you next year [ Am I sure I would be alive or handicap]

I at times realize How much I have been taking it for granted .

While at times I use hope as a futuristic probability like

I hope I am soon employed by Google!

I realize most of the time it’s a “decision” that I make based on Hope like — I will plan it for this week.

But then, why do I loose “Hope” under extreme conditions, why…

Samiksha Seth

Hey I am Samiksha, a Fintech Product Manager currently sailing solo

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