I moved to Bangalore in 2015 and stayed in a studio apartment near Koramangala. I started making regular visit to a small tea and condiments shop near on my way home.
The shop was run by a Malayalee who hailed from a small town in Kerala. He was known by the name PM.
Everyday I visited we would share a smile and good morning. We never spoke more than that. Infact I don't even know the name of the shop. It was called the 'Chetta's shop'
When I decided to move homes in 2017, I informed him and promised him to visit him whenever I'm around
I have moved 4 homes since then. But it became my ritual to visit his shop for a tea whenever I was in Koramangala. He was the sort of person I had to catch-up with.
As our visits became infrequent we shared more than good morning. Asked about each other's health and life.
Today when I visited him after many months I saw him standing almost teary eyed with his shop almost empty and him handing over tea to a customer.
He was elated to see me. I enquired and he responded that it was his last day as he is shutting down the shop permanently.
I was almost devastated but he was glad that he could serve me the last cup of tea. He had decided to go back to his village and hopefully to Dubai later for a better job.
I felt a deep sense of sorrow within. As I left, I shook his hand and thanked for being a great company
I wanted to stay in touch and got his number. Informed him to call me for any help and he asked me to give a missed call.
While he received the call to save the contact, for the first time ever in the lastn 6 years he asked, 'Whats your name?'
I couldn't find a name for the relationship we shared but I will definitely miss a friend and companion who made me happy and feel home in Bangalore. Hope PM has a great life ahead.
Bangalore is all about these relationships I earned over time 🙂
• • •
Missing some Tweet in this thread? You can try to
force a refresh
How HDFC Bank changed the landscape of banking with technology?
A short history of innovation by the OG fintech giant.
A 🧵
During economic liberalisation, RBI started issuing private banking licenses in India around the early 1990s. Housing Development Financial Corporation which was a housing finance provider was one of the early members to receive the license along with Axis, ICICI and IndusInd.
Deepak Parekh who was the MD of the mortgage provided doubled down on Mr Aditya Puri to run the bank. Mr Puri, who was a rising star in Citibank Malaysia was persuaded to come back to India and build and bank that India needed.
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.
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
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.