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9 months

Powell’s Real Choice: His Reputation Or Esteem—Part 2

The following is Part 2 in a series discussing my belief that fiat currency regimes with central banks ultimately result in increasing amounts of leverage. Part 1 can be found here.

9 months

Interim Budget 2019 - Affordable Housing Gains Amidst High Electoral Pitch

The interim budget was more or less a vote bank-facing exercise - an electoral pitch that drew attention to past achievements. Vote-bank directed announcements included benefits to 12-crore small farmers via credit of INR 6k/year directly into their bank accounts, and also to 10 crore labourers by way of direct pension bonanza.

9 months

India: 60% Unsold Inventory is Ready-to-move-in

Indians looking to buy homes in 2019 have a very compelling rationale to opt for ready-to-move (RTM) homes, which – apart from being exempt of the 12% GST ambit - are available plentifully.

9 months

The Death of Bank Products Has Been Greatly Under-Exaggerated

Since 2005 I’ve been predicting the decline of branch banking. For almost 10 years I fought bankers who decried my assessment that branches would cease to be the most important channel in banking, to be replaced by far more efficient mechanisms for revenue generation and relationship. Today the discussion is increasingly resorting to a sort of desperate plea — “but branches aren’t going to die completely, are they?” No one is saying branches will grow.

9 months

Self-Redevelopment: The Future of Mumbai Real Estate?

Redevelopment is a fact of life in any ageing, land-starved metropolitan city. In India, no city defines this dynamic quite as accurately as Mumbai.

9 months

Fast Forward for Organized Indian Retail

The hallmark of a market's increasing maturity is how organized it is - and in any developing country, the state of 'organized' business is usually kick-started by the entry of foreign players who bring in structured deployment and business philosophies wherever they go.

9 months

FP&A Trends for 2019: The Year of Digital Finance Transformation

I always enjoy addressing the question, “What do you think will be the biggest/most important/most impactful trends in fp&a of the coming year”? It gives me a chance to pause and review all the places I’ve been, all the CFOs I spoken with, and all the companies I’ve worked with over the past twelve months, to refine and distill what I believe are the top technological trends for financial planning & analysis in 2019.