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9 months

Ready-to-move Vs. Under-construction – Caveat Emptor!

RERA was supposed to save the day for homebuyers, but that doesn't seem to have happened - at least not yet. In many states RERA, in its present form, is currently either non-existent or a pale shade of what it was intended to be. It is a fact that RERA has been diluted in some states to favour developers while in few others it hasn't even been deployed yet.

9 months

How To Implement a Zero-Based Budgeting Strategy

My work with companies around the world, paired with access to a robust collection of academic research and case studies, has enabled me to create a matrix of best practices for implementing a zero-based budgeting (ZBB) strategy. And like any good list of things an organization should do, there are always a few things not to do.

9 months

Bengaluru Sheds Maximum Unsold Stock in a Year

Housing sales increase by 32% in a year, highest amongst the top cities Unsold housing stock declined by 32% Maximum new supply in the Rs. 40 - 80 lakh budget range

9 months

E-Commerce Vs Malls – Indian Retail Finds Its Way

Online retail is projected to grow to US$ 73 billion by 2022 Retail sector attracted US$ 147.40 million investments in FY18 Organised retail penetration expected to reach 10% in 2020 against current 7%  Amazon & Alibaba are investing in offline stores – brick-and-mortar retail will survive the ‘online assault’

9 months

Four Banking Business Models in the Digital Age

Digitization of the banking industry is making new banking business models possible. But, it is the combination of regulation and technology that is making new business models a necessity.

9 months

The Financial Diaries – Can Tech Truly Alleviate the Middle Class Crunch

While many outside of the US might think of the US as one of the richest countries in the world, the reality is that financial inequality has produced a land of opportunities where a large percentage of the population have serious day-to-day financial challenges, least of all getting access to day-to-day financial services.

9 months

The Revival of Zero-Based Budgeting

Who would have thought that after 50 years we would still be talking about Pete Pyhrr? Pete is considered the “father of zero-based budgeting.” He was an accounting manager at Texas Instruments who had the audacity to suggest that in order to allocate resources more efficiently, we should tie expenditures to results.