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@vikramadhiman I'm afraid this might be a huge thread :P Trying my level best.

The Many Facets of a Changing Consumer by BCG could be a good starting point to understand consumer behaviour.

bcg.com/en-in/publicat…
@vikramadhiman The next would be RBI's 'Household Finance Report-2017' which gives an overview of where and how to Indians lends and save.

rbidocs.rbi.org.in/rdocs/Publicat…
@vikramadhiman To understand technology for emergent users, please read the amazing PHD thesis of Devanuj

devanuj.com/phd
@vikramadhiman @JinyAssistant has a very interesting blog of how to design tech for Bharat
@vikramadhiman @JinyAssistant 'How to design finance for LMI segment?' - A Khan Academy style series by Ignacio Mas

youtube.com/user/Ignacioma…
@vikramadhiman @JinyAssistant For more financial inclusion research I follow

@dvararesearch , @BharatInclusion and @JPAL
@vikramadhiman @JinyAssistant @dvararesearch @BharatInclusion @JPAL Books to start with
@vikramadhiman @JinyAssistant @dvararesearch @BharatInclusion @JPAL Understanding MSME personas:

Credit Distrupted report by @OmidyarNetwork

omidyar.com/sites/default/…
@vikramadhiman @JinyAssistant @dvararesearch @BharatInclusion @JPAL @OmidyarNetwork And finally, a book that changed my viewpoint on finance is this.
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Dharmesh Ba
@dharmeshba
Why do retail stores have multiple QR code stickers, when could have just one QR that accepts UPI from all apps?

A thread 👇
1. Field agent incentive:
For every QR code activated, the field agent gets a commission and the store owner gets a cashback. A value proposition for both the parties to add another QR code to the storefront.
2. Multiple bank accounts:
Most of the small retailers have a savings bank a/c and when the bank observes an increase in incoming transactions, the owner is contacted to convert it into a current account.

Hence they activate multiple QRs linked to different savings accounts.
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Dharmesh Ba
@dharmeshba
'The India Watch' report by @hotstartweets is 🤯. Gives a new perspective on internet and consumption by Bharat.

Here are my 2 cents from the report.

#DesignForBharat
To start with 400 Million+ downloads. Earlier this year WhatsApp declared it had 400 Million active users in India, this makes @hotstartweets at par with @WhatsApp (i.e) Messaging/social at par with video consumption
The top data consumption states are West Bengal, Bihar, Tamilnadu, Rajasthan, Gujarat, Assam. Now if you are thinking of localisation then you know which languages to prioritise.

Also note Karnataka isnt one of them. Koramangala ≠ Bangalore ≠ Karanataka
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DHARMESHBA
@dharmeshba
Why digital designers will be irrelevant in a few years?! -
[A thread] 👇

Let's deconstruct the act of 'designing' into two parts

1. Skillset - Execution
2. Mindset - Thought
Skillset in Design represents the ability to translate one's idea(s) into tangible prototypes. In most cases using software like a sketch, illustrator, photoshop, Figma etc.
How one translates the ideas has gone through drastic changes in the past decade. We went from the creation phase to the composition phase. Designers currently compose pre-built assets that create them. With the rise of AI, we will move from the 'compose' phase to 'choose' phase.
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