In a world where Digital Privacy is under threat, India has a huge role to play. Google, Apple, Facebook, Amazon, Twitter and Uber are huge data miners, that sell their data for their profit and have been US government’s primary national security intelligence resource. On the contrary Indian internet industries can provide privacy respecting services that compete directly with services provided by the US data miners, priced reasonably in local terms in all the developed and developing societies because India has enormous potential and talent to provide such services and help end the privacy invasion. Read more at http://blogs.timesofindia.indiatimes.com/toi-edit-page/head-off-digital-colonialism-how-indian-it-can-compete-with-google-and-facebook-and-show-the-world-a-better-way/

In this blog, the author explains the steps to a dual risk rating system. In such a system, the probability of default (PD) is estimated separately from the loss given default (LGD). The expected loss for a given loan is then calculated as their product. Five essential steps to a dual risk rating system are: Understanding the key drivers of a dual risk system; Demonstrating the advantages of a dual risk rating approach through case studies; Implementing separate PD and LGD credit scoring solutions; Developing a PD and LGD mapping scale; and lastly Combining dual rating scores. Read more at : http://marketintelligence.spglobal.com/blog/risk-insight-five-essential-steps-to-a-dual-risk-rating-system

A Risk Analyst frequently comes across companies with incomplete financial information which is essential for their credit assessment. To solve this problem a dual approach that takes into account both the quantity and materiality of the exposures is useful: a) When there is a large number of small exposures, it is reasonable to fill gaps by leveraging company credit score benchmarks or looking at the Country Risk Scores and Industry Risk Scores that capture the risk of doing business in a country/industry.b) When there are large exposures,  we need to employ advanced statistical techniques, tailored to the company type, industry, and region, to estimate missing financial ratios needed in our fundamentals-based models, and thus generate a credit risk score.Read more at: http://marketintelligence.spglobal.com/blog/when-enough-is-enough-assessing-credit-risk-of-companies-with-incomplete-financials

Google Attribution 360 is the updated version of Google Attribution, an extremely useful app for Marketers. It helps you understand whether your marketing is working, turn audience insights into action, and deliver more relevant customer experiences. Salient features: Fast setup, Flexible data, Measures TV, Easy to take action, works across channels and across devices. Attribution 360 is also designed to be highly customizable and can measure ads from DoubleClick Campaign Manager. Read more at https://analytics.googleblog.com/2017/05/solving-enterprise-attribution-challenge.html?m=1

Machine Learning models are useful in solving a number of business problems, but there is always a trade-off between accuracy and interpretability of models. Businesses tend to use easily interpretable algorithms which come with lower accuracy. In this article, the author attempts to resolve this issue and shows how powerful black-box algorithms can be used for predictions. He has taken the help of one such algorithm called LIME (Locally Interpretable Model-Agnostic Explanations) that can effectively explain the predictions of any regressor by approximating it locally with an interpretable model. Read more at: https://www.analyticsvidhya.com/blog/2017/06/building-trust-in-machine-learning-models/

Adobe Analytics Cloud is a premier customer-intelligence engine which helps brands to not only analyze vast amounts of dispersed data, but also translate that data into customer profiles. It is built on the Adobe Cloud Platform which uses Adobe I/O and Adobe XDM, and an artificial-intelligence framework called Adobe Sensei. Virtual Analyst, the latest algorithm that was introduced in the market, delivers valuable personalized insights into incongruities which impact your business. Also to integrate Adobe Analytics with additional data sources new content packs for Microsoft Power BI have been introduced, including:Traffic Analysis to quickly discover and analyze digital-traffic trends; and Mobile App Analysis to take an in-depth look at mobile app user engagement and performance. Read more at : https://blogs.adobe.com/digitalmarketing/analytics/next-chapter-virtual-analyst-powered-adobe-sensei/

Blending GST with a clearly articulated manufacturing strategy would attract global investments, create jobs and there cannot be a better time to start the Make in India program. The GST rate has been reduced by 10% for most of the industrial products. Lower taxes, simplified tax structure, seamless tax credit facility and technology driven easy tax compliance system offered by GST will promote the manufacturing sector. Concentration should be on the following manufacturing Categories: semiconductor making equipment (SME) which is at the heart of most import products/ sectors today; manufacturing of specialty materials, nanotechnology, integrated circuits, etc.; manufacturing of computer, TV, mobile phone and other electronic and telecom equipment and producing skill- and labor-intensive products like auto components, furniture, apparel etc. Read more at: http://blogs.timesofindia.indiatimes.com/toi-edit-page/how-to-combine-gst-with-a-sharp-make-in-india-strategy-to-convert-india-into-a-global-manufacturing-hub/

Digital segmentation is the way to divide the consumer database into multiple homogeneous actionable groups. It is an integral part of Market Research Analytics. In this article link, the author writes about customer segmentation and how to develop digital personas, what are the impact areas, especially during high volume sale seasons. Read more at: https://www.blueoceanmi.com/blueblog/customer-segmentation-and-digital-personas/

Organizations have traditionally been structured in a top-down manner. Often missing in this structure is the connectivity between functions and departments. What connects workflows are business processes. According to the author, 72% of all improvement opportunities are directly related to deficient business processes and organization silos. Many leaders miss the fact that, without a strong business process structure, it is nearly impossible to improve performance. The sources of problems that arise, remain hidden in such case, and so lead to a trivial solution. Thus, redefining the organization according to workflow and knowledge requirements is important, and then improvement opportunities offered can be addressed. Hence, the organization silo problem can be solved by matching up the organization chart with the business system and business process. Read more at: http://www.businessmapping.com/blog/eliminate-organization-silos/

The cloud, as we know is a strong rival for contact center technology today. In this blog, we discuss three critical steps for cloud success. First, constructing a good Statement of Work (SoW) is of utmost importance. You need to define requirements, address functionality, integration, training, etc. Here a little planning can bear fruits in the long run. Second is to explore what the vendor is committed to deliver on Service Level Agreements (SLA's), what they can and can't control, how will they respond, how will they track and report on SLA's. Lastly, it is very important to define the proper vendor management role and who will provide it, whether in the center or in IT. The Vendor Manager needs some technical aptitude and great communication skills as the liaison between the business areas, IT and vendor. Read more at: http://www.strategiccontact.com/blog/2016/08/cloud-success-in-3-easy-pieces/

Bitbucket is a service that lets you manage your file versions on the cloud while offering a plethora of other useful features helping in "revision control systems" for coders. Why is it so useful? Because of its continuous delivery, seamless collaboration and flexible deployment it is so popular. Also the Bitbucket server has its advantages too. These servers offer enterprise-grade security, fine-grained permission controls, and super-fast access from across the globe 24×7. Bitbucket servers are fully scalable and would grow with your team. You can also integrate your Bitbucket with JIRA, HipChat, and Bamboo. Read more at http://trak.in/tags/business/2017/01/19/reasons-bitbucket-must-have-coding-teamwork/

Aadhaar Enabled Payment System is gaining massive popularity in India. Numerous Aadhaar payment apps have come up. This is a huge step towards Financial Inclusion. According to the author Aadhaar merchant payment apps are faster in operation. Read more at http://www.senrysa.com/blog/?p=159