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It gives me Immense pleasure to present the issue of Paradise 1.0 the magazine of Paradise infocreative project developing center.The magazine
represents the voice of professionals .It is heartening to see the response of different authors.I would like to applaud all the authors on their
efforts in putting forward their ideas. It gives me great pride to introduce Paradise magazine issues every month. Our Paradise magazine teams
efforts seem to be paying off and our readers seem to be hooked onto our magazine. At Paradise infocreative project developing center we try to
acquire as much knowledge as we can and we try and share it with everyone. I sincerely hope that paradise 1.0 will reach new heights with the
unmatched enthusiasm and talent of the entire Paradise Team. From the point of view of our magazine, we look forward to have more readers
and have more contributions from our new readers. Paradise 1.0 is a platform to share and acquire knowledge and develop ourselves into
integrative managers. It is our earnest desire to disseminate our knowledge and experience with the society at large.

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Introduction
Consolidation of banks is in the air again, with State Bank of India (SBI) set to merge with five of its associate banks - State Bank of Bikaner &
Jaipur (SBBJ), State Bank of Hyderabad (SBH), State Bank of Mysore (SBM), State Bank of Patiala (SBP) and State Bank of Travancore (SBT).
The merger of SBI associates is part of an ambitious plan of the Government to set up one large Indian bank in the consortium of global banking
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colossus. Since, India has a fragmented domestic banking industry, the proposal of the Government is that India needs stronger banks, not scores
of banks. The eventual intention of the Indian government is to reduce the number of PSBs from the current 27. In the past too, the SBI has
merged two of its former associated banks with it - Bank of Saurashtra in 2008 and the State Bank of Indore in 2010. The latest merger will
create an economic behemoth with assets worth Rs. 37 lakh crore ($ 550 billion), including fixed assets of the associate banks worth Rs. 4,000
crore.The associate banks have approximately 5,400 branches and 63,000 employees.
Proposition
The issue of bank consolidation was projected by the regime in March at a summit of bankers and government officials where various matters
pertaining to banks were debated.In his Budget speech this year, the Finance Minister, Arun Jaitley had said that a structured plan for
consolidation of public sector banks (PSBs) would be projected. All bankers sustained the idea of integration among public sector banks and that
the state called for a handful of big banks instead of a great bit of little banks.What has bolstered the circumstance for such mergers at this step is
the requisite to permeate capital in state-owned banks that are laden by a heftyheap of non-performing assetsthe consequence of an economic
decline that made it tough for many over-extended corporate debtors to repay debt. Earlier, the argument that favored consolidation was capital
efficiencythat is the government would have had to shell out more for several banks from the same group, hence consolidation would support.
But today, NPA (non-performing asset) management and rapid resolution seem to be the reasonsoperational in favor of consolidation.
Long-term benefits
The merger is a great move and would strengthen the group. There are certain long-term benefits that SBI can obtain from the merger. For
instance, the total market share of SBI is 17-18 per cent while that of the entire group put together is approximately 22-23 percent. The

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merger could also provide opportunities to cross-sell products. SBIs aggressive approach to grow its retail products as well as fee income will
wipe out the prospects of its associates. Moreover, a merger with the associates shouldnt aggravate bad loans problems of SBI. Since the
increase in bad loans will be slower than advances, the consolidation will expectedly improve the situation marginally.Besides making SBI more
efficient, it will be of enormous value. The group will receive the benefit of all synergies. Also, the total worth of fixed assets of the associate
banks is around Rs 4,000 crore, which will escalate the capital. The bank has a balance sheet of Rs 28 lakh crore which is expected to grow to Rs
37 lakh crore after the merger. All in all, the synergies being united in one place are going to be affirmative.
Short-term pain
The proposal of the Indian Government to consolidate the countrys Public Sector Banks leads to threats that, in the present-day fragile
economic environment, could counterbalance the impending long-term benefits. From a credit perspective, industry consolidation would have
certain advantages such as strengthening the bargaining power of the banks, helping save costs and reconstructing administration and corporate
governance across the banking system. However, these potential benefits are dwarfed by numerous downside risks.Clearly, the merger will reap
long-term benefits, but it will be accompanied by short-term pain. The move will certainly lead to higher operating costs in the near-term for
SBI. Arundhati Bhattacharya, the Chairman of SBI,quoted in the media that employee costs are expected to leap by Rs 23 crore a month.Though
SBI would have benefits of scale and a larger balance sheet, integration of staff and rationalisation of branches will be a major challenge. The
employees at SBI are entitled to apension, provident fund, and gratuity while those at associate banks do not receive contributory provident
finance.Hence, aligning the pay structures will be an important aspect of rationalisation of employees. Internal arrangement and negotiations will
actually determine the actual incremental employee cost.The varied employee benefit structures and a synchronisation of accounting policies for
NPA recognition will have an immediate negative impact. In summation, there is a huge pressure on the asset quality of these banks. While the
consolidated valuations influence the asset quality stress adequately, an essential distress rests on the estimate it pays to merge these banks with
it. Branch rationalization will also be a medium- to long-term benefit. But there will be obstacles which SBI and the government will have to
overcome, relating to theintegration of workforce, restructuring job profiles and remuneration of staff.
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Challenges
The merger of banks presents its own unique challenges. The scale of the task is essential given the total staff strength. SBI offers suggested the
desire to comprehend the merger within 2016-17. While Indias most ascertainable financial institution might cultivatevital things about a more
stable equilibrium bed sheet,it will be a serious concern to integrate the personnel and streamline branches. The execution of the merger might be
threatened by solid staff marriage. A few weeks ago, workers, labour unions from the related financial institutions carried out a one-day strike
and also have threatened to launch a larger demonstration throughout.The biggest challenge in any merger is always integration of human
resources, because the employees have a lot of apprehension and trepidation. There is always a concern that impending prospects and
opportunities will plummet. Many of these apprehensions are unsubstantiated. Also, the customers will be apprehensive of the merger as they
will fear not getting the same kind of personalised attention. The Bank is required to reduce their fear, and provide them an assurance that if they
were getting personalized consideration, they will continue to receive the same. Not only that, SBI will have to instil in the minds of its
customers that post-merger they will get far better reach, far better products because state-of-the-art products will be simultaneously rolled out at
all of these institutions. The bank will encounter the challenge of restoring the confidence of their customers in their services post the
merger.Moodys Investors Service says, since 2012 the banking system of India has witnessed an upsurge in stressed assets, with the
consequence that currently no public sector bank has the financial strength to undertake a role of the consolidator without putting its own credit
standing at risk. As a matter of fact, the banks deteriorated metrics and feeble performance mean that they are encountering teething troubles to
meet the minimum regulatory requirements without capital assistance from the Centre. Consequently, only a few PSBs have the surplus capital
required to procure profoundly sized peers.
Conclusion
The new entity will throw light on interesting neglected issues. SBI is identified as Indias key domestic systematically important bank by the
Reserve Bank of India which is too big to fail in simple terms. Hence, SBI may require infusion of more funds than has been committed by the
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Centre so far. But such challenges must not be used to sabotage the palpable advantages of merger.Though, having a few large banks to get
scale, and get synergy is important, but in no way is the consolidation of banks going to improve their asset quality in any manner in the short
run. Also, the requirement for capital will still be there.Not only these, but also various other factors including trade unions, technology, business
model and HR need to be taken into consideration for the merger.According to banking industry observers and experts, the case for merging
some of the public sector banks is very low when compared to their global peers.SBI is Indias biggest commercial bank but is still ranks only 67
in the global front. The proposed merger is likely to create one of the largest lenders in Asia.The combined entity will create a banking
behemoth, which can compete with the biggest in the macrocosm.
References:
http://www.business-standard.com/article/finance/merger-may-hurt-sbi-s-near-term-profitability-116051800034_1.html
https://www.sbi.co.in/
http://www.financialexpress.com/industry/banking-finance/cabinet-approves-merger-of-5-associate-banks-with-sbi/285715/

BhavyaRastogi ,IIM Shillong

bhavya16@iimshillong.ac.in

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GST or the Goods and Services tax has been passed by Rajya Sabha and the amended one by Lok Sabha on August 08, 2016. It will be
implemented from April 1, 2017. To comment upon who are the winners and losers in this race, let us first understand what this bill all about is.
The GST or officially known as The constitution (one hundred and twenty second amendment) Bill, 2014, proposes a national value added tax to
be implemented and aims be a comprehensive indirect tax on manufacture, sales and consumption of goods and services. It will replace all the
taxes levied by the state and central governments on goods and services and therefore, effectively bring down their cost in the country.
Economists have predicted economic growth of India to rise by almost 0.8%.This introduction of GST in the indirect taxation of India is a great
step towards success. This is the tax for every citizen of the country. It will replace the tangle of tariff imposed by the centre and the different
states. Both these taxes will be collected at the point of sale and will be charged on manufacturing costs. Once GST is in place, the companies
wont even need the VAT registration from the states sales tax department. The Goods and Services tax will subsume a number of tax, therefore
effectively bringing down the cost of goods and services in the country.The traders involved in the supply chain will get benefitted from the GST
laws as it will reduce the complexity of taxation processes. Since the transaction cost would sharply fall, this will facilitate the smooth movement
of goods across the country. It would improve the ease of starting and doing the business.Once GST is implemented, the prices of goods and
services will get lowered as the tax rates get lower. There will be more money collected in the form of GST and so, the government would have
more money to spend on the infrastructure of the country which would ultimately, benefit the citizens. This would also help them in enhancing
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their living conditions.Also with a uniform tax structure under GST, the Make in India campaign, will get a fillip, by making Indian goods
competitive globally. Also it will reduce compliance cost and make the time taken for refunds shorter. This will thus, have an overall favorable
impact for the exporters in terms of working capital funds and compliance, this would indirectly help in boosting exports. Also, uniformity in tax
rates and procedures will give the much needed confidence to foreign firms that are looking at investing in India. Inflation would get lower as
goods account for 70 percent of the CPI basket. It is probable that GST will boost Indias indirect tax to GDP ratio.A GST Council has been
formed within consisting of representatives from the Centre as well as State. The Council will have to make recommendations to the Union
Government and the States on model Goods & Service tax laws, also place of Supply rules rates including floor rates with bands of goods &
service tax and any other matter relating to GST as the Council may decide. Detailed outline of a joint Committee constituted by empowered
committee of the various state Finance Ministers on return and registration refund, business processes of payment under GST have been devised
and put in the public domain for suggestions. In terms of growth, price and current account, the macroeconomic impact of introduction of GST
will be significant. Although there will be a short-term narrow price impact on the larger economy. However, a larger impact is expected on the
administrative compliance cost of GST which is expected to increase the tax revenue from parallel or black economy. With a flourishing
services sector and a high economic growth trajectory of India, a shift in income- based tax to consumption-based tax is going to provide
substantial stimulus to source of revenue.
Deepyan Ghosh ,NMIMS Banglore
deepayan.ghosh15@nmims.edu.in

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We are at the forefront of digitaltransformation as the banking sector is getting more and more competitive with incumbent banking players and
financial institutions offering wide range of retail banking loans.The growth of retail lending in banks is attributable to proliferating technology
and automation of business processes along with rise in mobile banking. India is now the worlds third largest market for smartphones and will
reach 314 million mobile web users by 2017. As per BCG analysis, an average bank transaction through a branch costs 40-50 INR whereas a
mobile transaction costs 0.20 INR.More than 1 billion citizens came onto the digital grid through Indias Universal ID project in five and a half
years, making it the fastest digital service growth in history. For Banks, growing cost advantage made the service industry move from a physical
model to a digital one.
The new drivers of Retail banking technology:
According to CEB, as customers migrate to digital channels, heads of retail banking estimate that by 2017 nearly 50% of total sales will need to
come from outside the branch in order to meet goals.Less than 20% of retail IT leaders are confident in how quickly their firms can improve
their digital offerings and customer experience.Loyalty is no longer about emotional connections amidst the technology revolution. To build
relationships, banks need to focus on what really drives loyalty in the digital world and how well their products, services, and technology meet
customer needs.IT spending by banking firms in the mature Asia/Pacific region will reach $22 billion dollars in 2016, a 0.47 percent increase
from 2015, according to Gartner.Digital transformation initiatives will fuel spending on mobile/online and data analytics services as well as

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investment and partnerships with fintech startups.A recent report from Accenture reported a surge in investment in Asia Pacific fintech firms
throughout 2015, quadrupling to $4.3 billion from about $880 million in all of 2014.
Top Challenges which haunt Retail banking:

Greater TAT for various line of business

Lack of multiple delivery channel support to reach new customers and market segments

Acquiring new customers and responding to their needs

Inefficient collection strategies

Banks need to get ahead of these challenges with a clear vision by investing in technology in order to streamline processes using Process
reengineering, risk reduction using Business process mapping tools with less rework at each stage of product release. Customer interaction
should be managed consistently across channels. If a customer switches from one channel to another mid-way through a service request, then
that 'hand-over' process should be managed in a way that does not waste the time the customer has already invested.Multi-channel strategies
should encourage self-service capability and refocus branch and contact centre staff on higher value-added activities like relationship building
and sales.FinnOne Neo provides omni-channel banking: a seamless and consistent customer experience across and between all channels.With
growing competition it is imperative for banks to offer an interactive and consistent online banking experience coupled with high-quality branch
banking service. In order to achieve faster time to market and improve TAT between various processes,Finnone Neo has Workflow based credit
appraisal and sanctioning process with quick Turnaround Time (TAT)does anticipate the customer needs well in advance. Over the period banks
have implemented various reporting and descriptive analytic systems like the CRM, accounting systems, data mining systems which have
resulted into multiple disparate systems.

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But now the need of the hour is to use business analytics for predicting delinquency well in advance and save on recovery costs for the bank.By
riding on the new digital wave, FinnOne Neo helps financial institutions to overcome these challenges by providing fully compliant loans and
lines of credit to their consumer and small businesses. Using this technology platform which operates under the control of each financial
institution, account holders are able to complete the entire online loan application on a computer or mobile phone and get approval and account
set up in just minutes, vastly improving TAT and overall the lending experience. The solution will enable financial institutions to provide
affordable loans to account holders without losing them to non-traditional, non-bank lenders.
Mufaddal Dahodwala,Senior Product Analyst,PMG
Mufaddal.dahodwala@nucleussoftware.com

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Women Empowerment Ads. Stereotype or Effective?

Women all over the world deserve respect. One of the type of homo sapiens who can prove that NOTHING IS
IMPOSSIBLE. I believe that if a woman can birth to a new being, then there is no such thing that she cannot do. Still,
in many parts of Earth, she is treated as inferior. The long-time patriarchal rule is one of the reasons that has led to this
narrow minded thinking among some of the males who feel that women would not be able to compete with them. But
now, the era has changed. Women all over the world have proved it that they have the courage to fight with men. To
promote womens achievements, women empowerment ads are being created so that those who are still asleep and
have not woken up and smelt the coffee can see how things are different now.

We have some brave advertisers who portray women and girls in a new light, focused on breaking down stereotypes like From Always Like A
Girl to Nike's Better For It, women are being encouraged, celebrated, held up not for how they look but for what they can accomplish.

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These ads leave impressions. Women ages 18 to 34 are twice as likely to think highly of a brand that made an empowering ad and nearly 80
percent more likely to like, share, comment and subscribe after watching one. Recently, we saw DEEPIKA PADUKONE doing an ad on women
empowerment titled my choice. The ad was effective in waking the people up that it is a girls decision to choose what she believes is perfect
for her. The message was loud and clear and generated huge response of 10,542,543 views.

Women empowerment ads should continue to be made till the time the people who still have a stereotype thinking about women start to see a
change in their thought process. These ads will be effective when we will see a change in behaviour towards women and the women start
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believing that their exists a world in which they are respected and treated with dignity and make them feel safe. Women are the real architects of
the society.

ABHINAV MALIK
IFMR

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India is dedicated to investment promotion and facilitation. (FDI) is plays a major source of non-debt financial resource for the economic
development of India. Foreign companies invest in India to take advantage of relatively lower wages, special investment privileges such as tax
exemptions, etc. For a country where foreign investments are being made, it also means achieving technical know-how and generating
employment.It provides granulated, sector-specific and state-specific information to a foreign investor, assists in expediting regulatory
approvals, and offers hand-holding services. India is one of the fastest growing economies in the world and has emerged as a key destination for
foreign investors in recent years. The relaxation in the FDI policy in sectors such as petroleum and natural gas, commodity exchanges, power
exchanges, stock exchanges, asset reconstruction companies, single brand product retail trading, telecom and courier services is the result of
Indias persuasion of a more liberal investment outlook.India has emerged as top investment destination in BPI 2015 compared to previous 6th
position held in the 2014 index. It should be noted that high ranking in this index indicates high returns and improving economic institutions.
India was able to top in this edition of BPI because of high growth forecasts, perceptions of corruption down and investor friendly polices. India
has retained its position as the third most preferred investment destination behind the US and China and could attract higher (FDI) in 2016 even
as global flows are expected to fall. India has moved up a notch to rank sixth most promising source of investment. In 2016, FDI inflows
to BRICS countries could increase 10% on average to $270290 billion, the Unctad report estimates.

About Baseline profitability index (BPI) :

The ranking based on a BPI is determined by assuming three factors which affect the ultimate success of a foreign investment. These factors are
how much the value of an asset grows; the ease of repatriation of proceeds from selling the asset and the preservation of that value while the
asset is owned. The index combines measures for each of these factors into a summary statistic to determine countrys basic attractiveness for
investment. Thus, this index compares how local conditions and policies affect the same investment in different countries. It also helps to
determine the value of the principal and the return will change depending only on where the investment
Market size

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According to Department of Industrial Policy and Promotion (DIPP), the total FDI investments India received in FY 2015-16 (April 2015-March
2016) was US$ 40 billion, indicating that government's effort to improve ease of doing business and relaxation in FDI norms is yielding
results.Data for FY 2015-16 indicates that the services sector attracted the highest FDI equity inflow of US$ 6.9 billion, followed by the
computer hardware and software sector (US$ 5.9 billion). Most recently, the total FDI equity inflows for the month of March 2016 touched US$
2.47 billion as compared to US$ 2.12 billion in the same period last year.During FY 2015-16, India received the maximum FDI equity inflows
from Singapore at US$ 13.69 billion, followed by Mauritius (US$ 8.35 billion), USA (US$ 4.19 billion), Netherlands (US$ 2.64 billion) and
Japan (US$ 2.61 billion). Healthy inflow of foreign investments into the country helped Indias balance of payments (BoP) situation and
stabilised the value of rupee.FDI in India witnessed an increase of 29 per cent and reached US$ 40 billion during April 2015-March, 2016 as
compared to US$ 30.93 billion in the same period last year.According to the data released by Grant Thornton India, the total merger and
acquisitions (M&A) and private equity (PE) deals in the month of April 2016 were valued at US$ 5.5 billion (100 deals), which is 2.2 times
higher as compared to April 2015.India has also overtaken China as world's top foreign direct investment (FDI) destination with US$ 63 billion
of FDI announced in 2015 including high-value project announcements across the coal, oil and natural gas, and renewable energy sectors.

Government Initiatives

The Government has amended the FDI policy regarding Construction Development Sector. The amended policy includes easing of area
restriction norms, reduction of minimum capitalisation and easy exit from project. Further, in order to give boost to low cost affordable housing,
it has been provided that conditions of area restriction and minimum capitalisation will not apply to cases committing 30 per cent of the project
cost towards affordable housing.Relaxation of FDI norms are expected to result in enhanced inflows into the Construction Development sector
consequent to easing of sectoral conditions and clarification of terms used in the Policy. It is likely to attract investments in new areas and
encourage development of plots for serviced housing given the shortage of land in and around urban agglomerations as well as the high cost of
land. The measure is also expected to result in creation of much needed low cost affordable housing in the country and development of smart
cities.

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Economic prosperity holds the key

Domestic demand largely drives Indias growth. This, in turn, is powered by the growing middle class, young consumers and rising disposable
incomes. While consumption has been rising, investment has been flagging, which could hurt the recovery process. The government needs to
massively increase infrastructure investment. This calls for freeing the banks of bad loan so that they can start lending fresh for the economy to
grow. Sustained economic prosperity coming from higher GDP growth will increase the propensity of the middle-class to spend more.

ROAD AHEAD
Foreign investment inflows are expected to increase by more than two times and cross the US$ 60 billion mark in FY15 as foreign investors start
gaining confidence in Indias new government, as per an industry study. "Riding on huge expectations from the incoming Modi government,
global investors are gung ho on the Indian economy which is expected to witness over 100 per cent increase in foreign investment inflows both
FDI and FIIs to above US$ 60 billion in the current financial year, as against US$ 29 billion during 2013-14," according to the study.India will
require around US $1 trillion in the 12th Five-Year Plan (201217), to fund infrastructure growth covering sectors such as highways, ports and
airways. This requires support in terms of FDI.

Sydney, proprietor
Paradise Infocreative project developing Center

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In extensive Big Data application foundation conveying items offer undertakings to make, send, some assistance with running and oversee
information applications. A ton of open source application improvement devices working for demonstrated application advancement stage for
building huge information applications on Hadoop Distributed File System. An application created for taking care of the huge information
utilizing open source tools execution administration item conveying extraordinary operational perceivability and control for big business
enormous information applications. In large Big Data application infrastructure delivering products help enterprises to create, deploy, run and
manage data applications. A lot of open source application development tools working for proven application development platform for building
big data applications on Hadoop and HDP, and Driven. Hadoop, an open source venture facilitated by the Apache Software Foundation,
conveys three noteworthy advantages to the universe of expository handling, they are First minimal effort, in light of the fact that Hadoop is
open source programming that keeps running on merchandise servers, it profoundly changes the budgetary comparison for putting away and
preparing extensive volumes of information in any event as far as in advance authorizing costs. With Hadoop, associations can at long last store
all the information they produce in its crude structure without justifying its business esteem in advance. This makes a minimal effort arranging
and refining region and cultivates more noteworthy information investigation and reuse. Second it is for burden and go, that is contrasted and
social databases, Hadoop does not oblige engineers to change over information to a particular configuration and composition, for example, fields
with fixed data types, lengths, labels and relationships to load and store it rather, Hadoop is a heap and go environment that handles any
information arrangement and paces load cycles, which is basic when it take terabytes of information. Hadoop has couple of negative marks; it is
not an information administration arrangement. It is basically a 1.0 item that is missing numerous basic elements of modern evidence
information preparing environment strong security, a widespread metadata index, reinforcement programming, rich administration utilities and
in-memory parallel pipelining. Numerous BI merchants including database, information coordination and reporting and examination sellers are
attempting to incorporate with Hadoop, making it less demanding to get to, control and inquiry Hadoop information than is as of now
conceivable with local Apache programming. The fast converging of customary BI and Hadoop situations makes another systematic biological
community that grows the ways associations can successfully abuse information for business pick up. Big data is being generated by everything
around us at all times. Every digital process and social media exchange produces it. Systems, sensors and mobile devices transmit it. Big data is
arriving from multiple sources at an alarming velocity, volume and variety. To extract meaningful value from big data, you need optimal
processing power, analytics capabilities and skills.

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New skills are needed to fully harness the power of big data. Though courses are being offered to prepare a new generation of big data experts,
it will take some time to get them into the workforce. Meanwhile, leading organizations are developing new roles, focusing on key challenges
and creating new business models to gain the most from big data. Big Data has the potential to help companies improve operations and make
faster, more intelligent decisions. This data, when captured, formatted, manipulated, stored, and analyzed can help a company to gain useful
insight to increase revenues, get or retain customers, and improve operations.

Is Big Data a Volume or a Technology?

While the term may seem to reference the volume of data, that isn't always the case. The term Big Data, especially when used by vendors, may
refer to the technology (which includes tools and processes) that an organization requires to handle the large amounts of data and storage
facilities. The term is believed to have originated with Web search companies who needed to query very large distributed aggregations of
loosely-structured data.
S. Haseena
Thiruvalluvar University College of Arts and Science, Tamil Nadu, India

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Sydney

Sahaya Justus , Suji , Preethy , Senthil vel ,Arthi ,Anu

Amsa Sangara Naygi

Suchila

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