Self Appraisal – A Year Gone By..

I started the year 2014 by announcing publicly my goals for 2014. You can find them here. I now wanted to reflect on the year gone by and do a self-appraisal on my progress from where I started and intended to reach. I had decided that the single word for the year would be “Transformation” – in 5 different realms. Physical Transformation: I am glad that I have been able to  lose 7Kgs and a few inches around my waist. What worked in my favor was getting a fitbit device. The device provided the constant feedback on how I was doing […]

A Good Example of Innovation in Retail Banking – Alpha Bank

It is very well known that one the best ways to come up with new innovations is to mix and match existing interesting ideas to come up with something unique. If there was an industry that needed to come up with innovative solutions, it was the Retail banking industry.  I cant even remember when was the last time that this industry actually came up with an innovative offering from the start of the internet banking era. Now, Alpha bank in Russia has come up with a novel concept of a Fitness Account. This idea already combines two existing needs of […]