June 2018


One of the most important factors for landing a job is your Resume. It is often the first impression that a potential employer has of you. In fact, it is estimated that 80% - 90% of the candidate’s profiles are rejected at the application stage. Therefore your resume must capture the employer’s attention. You should have a very structured CV, prioritise & focus on things you want to talk about, areas you want to highlight, your USP’s.

Present your CV in the format which focuses on your areas of strength so that you initiate discussions on your thrust area. These details will enable you to prioritize your work experience and achievements in order to make your resume crisp while providing relevant information to the potential employer. Keep it brief and concise. Highlight any goals which you achieved ahead of time or any special cost-cutting measures spearheaded by your department.

Starting on your Resume

  • Make a list of your experience along with the responsibilities handled and achievements if any.
  • Identify your areas of strength. This may vary from individual to individual. Some might focus on organisations in their profile, some on achievements, others on education and somebody else on the profile handled.
  • List out the training, projects, special skills or any other information.
  • Collect all other relevant data like educational background, address etc.

Identifying the Focus

  • Prioritize & focus on things you want to talk about, areas you want to highlight, your USP’s.
  • The format which focuses on your areas of strength can help you initiate discussions on your thrust areas. This can help you start an Interview feeling really positive and confident.

The Format

For Senior & Middle Management Professional

Summary / Synopsis

  1. Prepare a synopsis / summary of your experience in bullets.
  2. Mention couple of your professional achievements in the summary.
  3. Try to sum up your profile handled overall.
  4. Clarify locational expertise, if any.
  5. Highlight any value addition in skills or qualification etc.

Professional Experience

  1. Mention the current organisation first and continue in reverse order.
  2. Mention the current designation, period, location of posting and reporting hierarchy.
  3. Highlight the current job responsibilities and additional responsibility if any separately. Do not mix the main responsibility with the additional.
  4. Jot down all relevant achievements in the current profile. Be specific. 
  5. Continue the same pattern for all other professional experience.

Educational Qualifications

  1. Mention the last qualification, university, with the year of passing and marks obtained.
  2. Go maximum till the !0th standard level.
  3. Mention separately any outstanding educational excellence.
  4. Mention separately any additional qualification.

Personal Details

  1. Mention your Fathers Name & permanent address.
  2. Date of Birth & Marriage status.
  3. Contact details with mail ID.
  4. Professional Reference if specifically asked for (Otherwise be ready with 2 Professional References at the time of Interview.)

For Fresher

  • Have an objective / aim at the start.
  • Pay special attention to the Format. If your strength is your educational qualification have it first or have your Summer Training or your Part time assignment first if that is your USP. Focus clearly on your strength.
  • Present your Training Assignment in such a way that it stands out and gives the Interviewer scope to question you.
  • Write relevant points in your CV.
  • Be thorough in what you write.
  • Mention your strength if any and be ready to defend it.
  • Be precise in Personal details. Some Do’s
  • Answer your phone professionally and be ready to jot down any relevant information.
  • Check your resume for proper grammar & correct spelling.
  • Connect your skills to your job history
  • Include industry keywords in your CV.
  • Keep references ready but provide only if asked for.

Some Don’t

  • Do not use long-winded sentences and old-fashioned language.
  • Eliminate unnecessary resume details.
  • Do not fabricate.

Investment Strategy for Better Future

An investment in knowledge pays the best interest.”- Benjamin Franklin

I made a killing in the stock market; my broker lost all my money, so I killed him.” –Jim Loy

First quote holds the forte of truth everywhere and more so in financial investment and wealth management, probably with greater importance.

Second quote, though on a lighter note is another aspect of the stock market; if you don’t invest in educating yourself about fundamentals, probabilities, permutation and combination, you will lose whatever you have earned and much more.

Internet has made all the information available to us on our fingertips, but unless and until the information is vetted by a person of authority, they are meaningless. That’s why; we decided to cut the clutter and take you away from routine and bring you the wisdom of someone who has been in this industry for close to two decades.

Mr. Sameer Kapoor, CEO of Elite Wealth Advisors Ltd. has close to two decades of experience in the Financial Market. He has worked as Senior Vice President with Religare Ltd, VP – Online Business with HSBC InvestDirect (India) Ltd., ILFS, Mansukh Securities and Mefcom. For majority of the time he was building up and growing the Online Business on pan India basis.

His LinkedIn Bio reads,”Blogger by choice, Finance Enthusiast, Speaker”, and believe us, he excels in everything that he has written. But what he modestly didn’t mention in his profile is that he is an astute and avid inbound marker, helping the information to spread and businesses to grow. His two blogs www.simplypaisa.com and www.mysharebazar.com provides great insight of the financial market and handholds the end users in the process of intelligent investing. He is a Chartered Financial Analyst (CFA) from ICFAI, Masters of Financial Management from Pondicherry University and B.Com from Delhi University.

Let’s learn together from his knowledge and experience….

Review Board: Journey of investment sentiment in India starts from greed and reaches indifference travelling via fear and despair. Is it the scenario only in India or also in the rest of the world? Has intelligent investing ever been a pattern or will it ever be the pattern in future and if yes, then what does it look like?

Sameer Kapoor: Any investment that makes decent returns can be considered as intelligent investing and if I guess it right, Indians have always made decent money whether it is in Stock Markets or with Real Estate. The only difference of opinion comes when you actually wish to evaluate your decision.

The invested capital in couple of days may be giving different returns in terms of IRR as compared to that of couple of years. So it is important for investors to define the tenure of investment before investing.

Upcoming breed of Wealth Management businesses are very well articulating these things and will surely redefine the perception.

Review Board: What advice would you give to small investors for intelligent investing?

Sameer Kapoor: A small investor looking to invest should clearly define and most importantly correlate Risk, Return expectation and Tenure. Any uneven proposition giving very high returns may not be recurring or may not be true also.

I haven’t seen Super Heroes in my entire career so only capabilities seemingly true for a human should be trusted upon.

Review Board: Mess in the Indian financial system and the mistrust of common man in the people running this market is largely of their own doing. Their greed has definitely done a huge damage. What are the short and long term steps that need to be taken to restore the faith of common man and strengthen the structure of financial system once again?

Sameer Kapoor: Greed of little better returns brings everyone to these markets so nothing bad in this. Difficult part is that very few people with limited capital exposure and practically no discipline in their investing approach tries to represent the very large mass of small and big investors. Increasing market capitalization with more and more IPOs/Public issues getting over subscribed reflects confidence of people only. Historically, we have seen returns of people invested in businesses through stock markets have outperformed that of any other financial asset class like FDs or Gold.

SEBI always keeps bringing measures to bring more and more confidence of investors and is doing a great job.

Review Board: Whatever happened in 2007-08 due to US Subprime crisis is nothing when we compare to something like China, US and Global debt scenario. Chinese total debt crossed $33 Trillion few years ago, which is three times more than their GDP. Global debt stands at more than $217 Billion against the Global GDP of around $65 Trillion. What is your opinion on that? How long will this bubble sustain? What is your advice to common man to safeguard himself from any such eventuality?

Sameer Kapoor: I guess Global debt figures are in Trillions and I think it stood at $237Tn for Q3 2017. See, high debt figures are always alarming and creates a risk of afloat.

A major component of this debt comes from Governments who borrow money to fund social schemes. Here you will find few which will have extremely high debt and few with very manageable debt.

As an investor, I would like to be in a place which are producing growth and using debt to manage that growth. Others which are using debt just to fund their facilities are bound to see a bad day in future times. This may be very high depreciation in currency or extreme inflation or total economic fiasco. However, few hard workers will sustain their growth and come with some amazing numbers.

I would certainly be on the side of these hard working borrowers rather than crying on few lethargic borrowers. Similar to this, investing in such companies always yield good returns as their management understand how to sail through difficult times and grow business.

Review Board: Under the current Market scenario when SEBI has been proactively tightening the rules and regulations for Market Operators reducing the maneuverability, how do you see it impacting the Brokers?

Sameer Kapoor: Definitely, it is going to impact the complete broking business. I feel broking business is going through a big change.

It is getting primarily divided among investors and traders. While Traders are getting more focuses on derivatives and automated trading. Investors are trying to outsource their direct interaction with markets to Portfolio Managers and Investment advisors. Both sides are witnessing a big growth and newer technological advancement.

A traditional way of calling and servicing clients is slowly getting outdated and speedily getting replaced with self service or completely outsourced approach.

Review Board: In this digital era, customers are educated and informed. It has made customer acquisition easy and tough, both at the same time. Easy, because sales team is not required to spend good amount of time on educating the customer about the product or services and tough, because customer is already informed and has multiple choices. So, what would be your advice to anyone looking to acquire new customer?

Sameer Kapoor: Business never gets tough with customer education rather one needs to find a way to service this educated customer in a most cost efficient way and reduce cost associated to such customer education.

Online has come up as a most preferred way for individual investors as it brings convenience to access and operate, freedom to choose own investing method and cost efficiency with reduced pricing models. It is now a proven fact that Online is not only better than in Brick and Mortar model in Acquisition but also in Servicing.

Businesses now see a lot of competition on online space also but the smarter one still find their niche and create acquisition spree. Within Online, now there are multiple ways to generate opportunities but cost efficiency is the name of the game.

Online Marketing is not like what it used to be 10 years back but has changed shape. My three key advices would be

  • Never hire any person for Online marketing who do not understand the Industry.
  • Maintain your online reputation as the recourse from bad reputation in online space is very difficult.
  • Never rely on business model which depends on customer ignorance as awareness spreads very fast online and will eventually destroy your business.

We had great time talking to Mr. Kapoor and few things which came out prominently from our discussion were:

  • Educate yourself about the battle you are getting into.
  • Whoever you are; evaluate the risk, reward and time frame.
  • Stick to the normal, expect what is humanly possible. -
  • Little bit greed is good, because that’s what brings you to the market, but overstretching is not only bad for you but the market as well.
  • Online marketing has changed what it used to be ten years back.
  • Keep a close eye on your online reputation. A small mistake and lethargy can cost you the reputation built over years of hard work.
  • Never rely on the business model which depends on consumer ignorance because awareness increases faster in online domain and anything wrong can destroy your business.

As we enjoyed our discussion and learnt from his experience, we are also sure that you will find it informative and valuable.

Note: To read more insights from professionals working in different field, keep visiting www.reviewboard.in . You can ask us about our services at mukul.bhartiya@reviewboard.in and sales@teamrecruiters.in. 

How to Train Human Mind for Best Result

Human Brain is perhaps the most complex machinery in this universe and no one till now has been able to comprehend all its wonders!!

Nobel award winner Daniel Kahneman, renowned Professor of Psychology and Emeritus Professor, calls our conscious braina machine for jumping conclusion” while the unconscious braina lazy controller”.

Now, in a training session, the trainer is continually aligning the conscious and the unconscious brain of the audience. This requires being adept at communicating, anticipating and processing thoughts real time. The complexity doubles multifold when you are doing so to a bunch of trillion thoughts running in the mind of all the learners gathered in a single room. And well, if a person is successful in bringing it in line for this bunch of people, then you can only put her on a pedestal!!

Anu Binny comes with more than 15+ years of experience in Research, Training, and Transformation Projects and has extensive experience working with global clients in Asia and Middle East. She is known as ‘Change Agent’ as she lives determinedly to bring ideas into realization and building people.

She has completed her Post Graduation in Engineering (Mumbai) and additionally attended Certifications programs from IIM and others in Strategic Management, Instructional Design, OD Analyst, Psychometric Testing, HR Analytics and Metrics etc. She has travelled across countries and handled multi cultural, multi audience Training projects with resounding success. She has also worked as a Consultant for an international Knowledge Management Project for the Capital Market Authority of Saudi Arabia which was widely appreciated by her client. As the Head of Training, she has been instrumental in helping and setting up training centers in all the organizations she has worked.

An inspiring speaker, she believes that every individual carries a seed of greatness within and so no training is complete without an attitude change. All her leadership programs inspire participants to unlock themselves and are highly action oriented. She has also mentored many aspirants who are today successful trainers in the international arena.

She is an ardent researcher and has been invited to speak at various conferences. In her precious free time she is either blogging, cooking or going out for a movie or concert with family & friends.

We talked about different aspects of Training and Development with her. Our objective was to find answers for existing and future trainers, employees and working women….

Review Board: The most complex machine in this universe is the human brain. And to train a human brain, one needs to understand it first. How do you set the pace of your training program so that participants allow you the access to their brain?

Anu Binny: 
Every training is unique in its own ways. The situations that a trainer comes across may vary. The first and the most important element in any successful training is the pre-prep of the trainer and her ability to adapt the delivery to ensure learning in the participants. I feel accountable for the knowledge and also the transfer of learning. I prepare for Knowledge correctness and conviction. Before I enter my training room, I ensure that I fall in love with the topic in hand and believe that it makes a difference to my participants. If I don’t believe in what I am training, I know the participants are not going to believe in it either. So I get back to basics again and research more till it gets me up and stirred.

To adapt the training delivery you must know the receiver i.e. your audience, their names, their experience etc. It stands in good stead during my short chats and to personally connect to them. Moreover, if they ask me a question during the session, knowing their context helps me to respond with the better fit answer or solution. I often send out a questionnaire prior to session so that I know their learning style. Do I change the curriculum, NO but yes I change my approach to the delivery to one that will facilitate learning. Trying to get all of them interested is not easy but there are some tried and tested methods.

In case there are more activists I keep a list of role play, activities (aligned to my training objectives) so that I can make use of the de brief session and pace up the learning if required. For the reflectors I keep a few interesting facts and figures ready. A few videos, case studies are a must to get the theorist to scratch his brains and few practical sessions from the pragmatics.

For any training program, the trainer’s passion and the acceptance of the delegates are the key success factors. I believe the trainer’s passion about the subject, her understanding of the audience and her ability to address the ‘What is in it for me” for the delegates is what helps her in steering the pace of a training program.

Review Board: Our socio-economic environment, education and experience train our minds the most. While learning new things which are necessary to carry out the work, we also need to unlearn a few things which we have learnt. How do you help your participants unlearn what is not needed or required?

Anu Binny
: Life is all about change and hence unlearning is a very important skill. It’s not that the old knowledge is obsolete. I usually set an empathetic chord with them because I understand that they owe their professional existence to that knowledge and may get a bit emotional and threatened with a feeling that they are getting obsolete. It’s in fact an opportunity for the trainer to boost their esteem and help them discover their potential.

Recently when I was working on a Lift and shift model I faced a similar challenge. But we designed and delivered the whole training in such a way that they were ready to jump onto the bandwagon and saw it as an opportunity to prove themselves. It is a win-win for all and was widely appreciated by the participants. The customers saw the output and it was a resounding success.

Understanding the challenges, breaking those barriers or resistance and bringing in a positive perspective of the participant is the key to successful session.

Review Board: Counselling, mentoring or a personal coach, all guide and give direction to a professional’s life and it can’t be achieved without touching the person’s life. Share your experience how and in what way you touched the life of participants of your training programs?

Anu Binny
: I guess I have this knack of understanding the potential of a person. The domain and functional knowledge can be learnt and even tested with set benchmarks. But to be an influential leader there is a need to understand your intrinsic qualities.

I have had the opportunity to work with different kinds if audience and so am able to understand the reason behind a behaviour pattern. I try to map it to facts and evidences during my interaction. Every individual is born with the right intrinsic qualities to sustain and be successful in his life. All that is required for him or her is to discover it. I am surprised when people come back and tell me that they have never been appreciated or they had never known that they had a particular competency.

We as trainers just show people the mirror and help them see their beauty. I feel satisfied when my training makes the participant feel empowered. He leaves the training room a much better and competent person. I have helped people build their career, helped them understand their weakness and identify their potentials and sometimes even helped them heal their inner self. An influential learning and development leader is one who inspires and builds his team to move towards excellence.

I have most of time worked for listed organizations but have got the opportunity of setting up their training team just like one of a start-up. It has given me an opportunity to work with young people who have really helped me to build an entire training centre. In the process they have become assets themselves and are today doing extremely well for themselves. So it’s not only in the classroom, but every person of your team needs to be one up. Building people and empowering them to play their roles and contribute significantly is a lifestyle for me.

Review Board: The likes of Bill Gates and Satya Nadella strongly feel that Artificial Intelligence is going to change the nature of workforce and work environment and to cope with and stay relevant, re-skilling of manpower for the new environment is very much necessary. What advice would you like to give out to people about re-skilling; why it is necessary, what will it achieve for them and how should they approach it? You hold your job for the contribution you bring to the organization.

Anu Binny
: We are all aware that traditional skills are becoming less relevant with each passing day as newer process or technology gets evolved. Artificial Intelligence is going to change the nature of workforce and work environment soon but then so did the advent of computer a couple of years back.

Re-skilling is required in this “survival of the fittest” game. Organizational researchers argue that the shelf-life of a learned skill in today’s world is around five years. The most in-demand skills today are also very different. Career progression and a secure job lies in one’s ability to adapt and learn in sync with the demands of the job market.

My advice, look for internal job postings and enrol for an internal re-skilling program. In case the company you are working is not coming up with offers suitable to your competencies, start looking outside. Please don't continue in job where you are not contributing. It will hit your self-esteem and the off side comments will make you feel humiliated, unworthy and dependent on your senior’s favour. I tell you that it is not a comfortable space to be in. Trust me it can break your self-confidence beyond repair. It might be wiser to invest in re-skilling through an external training. Do your research and ensure that the skill you choose has more stability and longevity among the multiple options available. Don’t feel demeaned in case you are not fitting in, remember Talent is contextual. Truly speaking today, job security lies in your ability to learn a new skill on a regular basis throughout your career. Invest in yourself it will help you live beyond just breathing.

Review Board: The training industry still faces the challenge where the decision makers themselves are the biggest hurdle or bottleneck. To convince them of their and their organizations needs for training or re-skilling is an uphill task. Your take on your experiences with decision makers in your career.

Anu Binny: Yes, sometimes it is difficult to change the mind-set of a decision maker who is too traditional, not open-minded and rigid in his approach. But looking from another perspective is to look at this way. They are running the businesses one must go back and think - why are they not convinced? What am I missing here? If you believe that it’s a must to have, then you need to go with the numbers, statistics and a benefit statement. Present it to them.

You can brainstorm it with a couple of people before approaching them. Their inputs will be valuable in putting across your points in the way they understand. Take the help of a senior member who believes in it and can help you get the management buy in. In case it still doesn't work out then, DON’T delete it. Instead create a backup, save it. Boy you are going to use it someday for sure! Trust me your time and chance will come. It has always happened with me!!

My advice....never give up without trying!! I remember in one of the organization I worked, I knew that there was a need to digitize learning and work on the training content to build a robust training centre. For the digital learning, I did my thorough research found a cost effective solution. To back up, I was ready with a comparative statement too. I used a trial version and created a small knowledge byte. My MD liked it and he Okayed it immediately. It was a great success. The word spread and today it is the default animation software used by many departments in the organization.

But a few months later, under a new leadership the goals changed and digital learning took a back seat. It hurts at a personal level to realize the efforts did not get to the finishing line but you have to take that with a pinch of salt. Also in case the management is not convinced and you know it is a need, you can set it as a small internal miles stone and make it happen. I did it for the content development. I was ready with a new set of training materials for all my trainings. I was able to pace up the scope of my training delivery, number of trainings for each trainer and improving their productivity double fold.

The hard work may go unnoticed but not the quality it brings to your work. Also celebrate it with your teams, be happy you are building assets for the company. It gives a tremendous amount of job satisfaction when you realize the training centre is moving fast paced toward excellence. Things really go really adversely only if you have a poor Boss. But you still have a choice. I guess in matters of management you can chose to change but in matters of principles stand like a rock.

Review Board: What specific skill of yours has helped you achieve the position you have in your profession? Any specific advice you would like to share with aspiring Trainer.

Anu Binny
: I have a collection of personal letters written by participants describing the impact the session has made on them. Most of them define it as a life changing moment!! My ability to connect to the audience is definitely my USP. I am an avid reader and I love reading biographies as I believe that to be a Learning and development specialist you should have a desire to make a positive difference to peoples life. A biography gives a sneak preview to a real journey of struggle, victory and helps you understand human psychology better.

From the delivery perspective I am very detail oriented and quick learner. I am able to process complex concept, logically break and explain it in simple words. This probably comes from my pursuit of continuous learning. I believe a trainer should be passionate and display a calm demeanour. It is an unmistakable trait that leaves an impression on her participants. Training is the best way to touch lives and bring meaning to your own.

Review Board: Dr. Indra Nooyi, Chairperson of PepsiCo, when asked, “What’s your opinion about whether woman can have it all?” had said “I don't think women can have it all. I just don't think so. We pretend we have it all. We pretend we can have it all."  Quite a few people agreed to the response but surprisingly there were quite a few who disagreed. What is your personal take on the same?

Anu Binny
: Love and compassion are very relative concepts and not scientific principles. They do not have perfect definitions. Every individual perceives it and defines it differently. I gave up a career in research to be able to give time to my kids. Is it a sacrifice or my duty? Opinions may vary.

I did my full time Master’s degree from Sardar Patel College of Engineering because that had become a mandate for teaching in college. I would take lectures in Vivekananda Engineering College where I held a job which is located at Chembur and after finishing my whole day of work, travel all the way to Andheri to attend my lectures. And of course I would be late to reach home.

How did I manage? I had found a great support system. I had a very good baby sitter who was always there for kids. Do my kids ever complain – No! But I am sure I must have missed out on many special occasions in their lives. Do I gloat in guilt? No. Instead, I try and recreate special occasions, celebrations, cook a special dish, go on a short drive etc. I know I chose what was best for the family. Life is a roller coaster ride, let’s not complicate it, give your best and enjoy the ride. All is required is a good ecosystem of love and care to pass on the timeless truth of life and hope to the next generation!!

Review Board: You are a mother to teenage kids; an age which challenges a parent in all possible ways, from multiple sources of distraction to new found confidence and individuality. How has the experience helped you in man managing your professionals or vice-a-versa?

Anu Binny
: They say a mother is born...the day a child is born. I am blessed with a daughter and a son. The first time you hold a baby in your hands, you realise the fragility of life and that the child has not come down with a user manual. You are on your own, but you pick up real fast. As you wade through months, you are able to exactly interpret the different messages the baby communicates through just one single loud wail. With every single wail, you become adept in looking around for clues and reaching out to keep the baby calm. Is that finding solutions to unstructured problems? Possibly yes!! My time spent with my kids has taught me to be sensitive to them. One can easily use words to make or break them!!

Being a mother to two teenagers has exposed me to the possibility of two exactly opposite perspectives for the same situation. Each sees a different world. They are adorable in their own way. They know the exact lines to say that will melt your heart or the cutest smile to display before you fall into the trap of saying a "YES". Initially you end up pulling your hair but soon one starts to get a feel of it and you start enjoying it.

Now they are grown up - teenagers. They are made up of the same number of bones but distinctly different in their need and expectation. This is the age where they are trying to find their own identity, steal a limelight and trying to carve out a new identity in this swarming world. They exhibit sporadic spurts of aspiration, confidence, a streak of independence, childishness, maturity, confidence all at the same time. Life is a roller coaster ride of emotions. They are emotionally on a high, full of energy & life at one time and within seconds fall into despair, anger, frustrations and leave us with no chance to enter into their little world with the announcement of the final verdict' You won’t understand".

Handling my kids has given me a deep insight to human behaviour and has made me realise that each individual is unique. Interaction with them at different slices of their life have helped me understand human needs and behaviour. This experience is very unique and helps in building up a response pattern to an audience across different age categories.

In fact it has helped me immensely in managing people and has taught me to think on my feet!!

CULTURE (5) GENERAL  (11) CODING (2) DESIGN  (2) WEATHER (1) JOBS  (16) HEALTH  (5) Marketing (18) Branding (17) Marketing & Branding (18) Sales (23) Salesman (18) Salesperson (18) Sales Management (20) Polity (7) Policy (8) Idea (27) Product (11) Services (13) Product & Services (15) Advertising (8) Communication (15) Marketing Communication (13) Marcom (10) 360 Degree Branding (9) Education (4) Elementary Education (2) Entrepreneur (12) Social Entrepreneur (8) Social Media (9) Inbound Marketing (10) Inbound Sales (8) Online Marketing (9) Agriculture (8) Agriulture Marketing (7) Agriculture Input (4) Food (8) Human Resource (3) HR (4) Personnel Management (3) Resume (2) Resume Writing (2) Investment (7) Finance (6) Financial Market (6) Investment Strategy (7) Money (5) Training (1) Training & Development (2) Learning & Development (2) Retail (5) Private Label (1) Employment (11) Unemployment (9) India (7) Economy (9) Strategy (17) Growth Strategy (13) Consultancy (4) Personal Branding (8) Personal Brand (8) Customer Engagement (8) Customer Acquisition (7) Customer Delight (5) Banking (5) Slowdown (8) Crisis (10) Financial Sector (4) Economy (6) Economics (11) Political Economics (8) Budget (3) Union Budget (3) Behavior (10) Psychology (11) Human Behavior (11) Behavioral Science (11) COVID19 (6) Pandemic (5) Book (6) Books (6) Book Review (6) Neuroscience (7) Neuro Consumer Science (7) Artificial Intelligence (1) AI (1) Retail Analytics (3) Consumer Buying Behavior (4) Consumer Behavior (3) woman (1) female (1) shopper (1) Tanishq Jewelley (1) Jewellery (1) Technology (1) Data Breach (1) Tech Companies (1)