Data Science & Business Analytics

What is Data Science?

Data Science starts from mining data from various sources, cleaning it and comprehending the interactions between various entities. The goal is usually to build predictive models, built around the science of predictive analytics, which is a product of several tested and proven algorithms aimed at giving accurate results.

What is Business Analytics?

Data Science is widely used to solve problems related to businesses, it finds its application in business   intelligence.   Giving   rise   to   the   widely   popular   term   ‘Business   Analytics’.   Its application ranges from finding the right audience for maximum sales conversion to ordering the optimum quantity of raw materials in a manufacturing unit. It fills information gaps that were previously obtained through less scientific methods.

We are being watched!

We  are  exposed  to  these  algorithms  in  the  digital  space  continuously.  The  videos  of  our preference are picked from the artists we like to listen to, the hobbies we spend our weekends on & more. The products that are advertised to us are being carefully designed by E-Markets with the intention of up selling and cross-selling.

Business Intelligence

We live in the era of information, bombarding audiences with useless & repetitive information can be a waste of investment. Although the success of several companies such as Old Spice, Coca Cola & Oreo may be attributed to bombarding advertisements with the same theme and message over several decades on TV, the same has proven to be less effective and efficient. Analytics helps reach the target audience that have the potential to convert for sales.

While advertisement is an obvious line to use analytics, it is a lesser known that it is also used in many other industries. Such as pharmaceuticals to come up with the right cocktail bled to fit the nation’s law, cure diseases and the most profitable concoction. Bankers use it to predict the possibility of default of loans and the movement of stocks. Manufacturing units use it for material  optimization  and  logistics.  The  government  uses  it  to  better  implement  social welfare schemes. All in all no industry is immune to the necessity of analytics.

The use of Technology in Data Science & Business Analytics

One of the most important attributes of the data science is the extensive use of technology. Human intervention is limited, computers take charge of repetitive activates. Furthermore, there are algorithms that are designed to make the models more efficient as and when it accumulates more data inputs. Analysts find their role in techniques of data mining, cleaning, application  of  statistical  tools  and  the  logical  consistency  in  the  interactions  of  various entities.

Skills required for a Data Scientist or a Data Science Analyst

Skills required for a data scientist or a data science analyst are an inquisitive mind, ability to crunch numbers and the  interest to build algorithms. Several institutes are now providing training in the science to help professionals upgrade with the wave of change. Masters in data science is among the most sought after courses across the globe.

Data Science for Entrepreneurs

Entrepreneurs need business intelligence through analytics more than anyone. Although a general analysis and queries lead to an understanding of what needs to be produced to establish a successful business, the combination that composes the offering, medium of promotion, the best channel to reach the target audience and integrating a business to its best efficiency needs analytics. Prediction for decision-making with precision stands as the primary need for businesses. Multi-dimensional analysis of the market and competition helps stop businesses from making the wrong decisions. Hence, potentially saving much investment and increasing the rate of successes.

We undertake content writing & Digital Marketing projects, write to us on


Visit our website:

Entertainment for employee retention!

A  big  chunk  of  an  employee’s  day  is  spent  at  work,  more  and  more  employees  seek satisfaction outside the basic monetary need. It may seem like a challenge to keep employees interested  and  involved.  It  may  also  be  tough  to  believe  that,  something  as  simple  as entertainment could help improve the work environment by a large mark.

Here are a few guidelines that could improve productivity, achieve better employee retention and increase the scope of innovation at work.

Ice breakers for better communication

It  is  important  to  break  the  barriers  of  hierarchy  when  it  comes  to  communication.  Ice breakers conducted informally, as a recreational activity could help form friendships across cadres.   New  recruits  and  employees  who  generally  do  not  have  a  say, when  it  comes  to problem  solving  or  ideation  could  be  involved  for  new  ideas  and  different  solutions.  An environment  that  welcomes  opinions  of  all  divisions  can  grow  exponentially  with  new perspectives. Employees who believe their opinions are valued are likely not to switch jobs.

Where are we headed?

Instead of having meetings and bombarding employees with growth projections and graphs of future plans, the  general  direction of the  company over the next few months could be discussed over a team lunch. A humble and a supportive manager would say something like,

‘We can take up this challenge, and succeed together’, this creates a sense of dependency.

Informing  employees  about  short-term  goals  and  creating  a  sense  of  dependency  helps improve  job  satisfaction.  Celebrating  milestones  together,  such  as  on  boarding  a  reputed client, completing a difficult order can knit employees together and create a sense of pride and belonging.

Mix it up a little

As a team building activity, assigning different designations to employees for a few hours can be    really    fun.    This    would    aid    them    in    understanding    each    other’s    roles    and responsibilities.  Also, it gives every employee an idea about the work flow. Employees may be given scholarships to enroll for classes together. This could help improve work related skills and translate the skill into productive activates when take-up together.

Celebrations and culture

Celebrating festivals make employees feel at home. Considering how every organization is multicultural, this can be an opportunity to be introduced to new cultures. Learning about each other’s ethnicity is a great way to bond. This gives people an opportunity to break from the monotony and celebrate their origin. A work place that celebrates diversity is likely to be a welcoming and positive environment.

Health and sports

Most companies have amenities that allow employees to spend a few breaks with sports. Notching this up by scoring and making teams can be rather entertaining. The benefits of the same can be a blog post by itself! It boosts the mood and employees are energized to be back at  their  desks.  Considering  the  diminishing health  of  employees  who  spend  several  hours traveling and over nine hours at work, giving them motive for a little physical activity at work can result in better health.


All of these activities by themselves are just ideas to make a work place lively. The basic mood of every organization must be that of joy and trust. Keeping all employees in good humor is the most effective way to keep employees entertained. Hence, translating to employee retention.

We undertake content writing & Digital Marketing projects, write to us on


Visit our website:

Mid Cap Mutual Funds

Mid-cap funds are mutual funds that are composed of stocks of companies that have a market ranking between  101  to  250  in  the  BSE  as  per  its  market  capitalization,  as  categorized  by  SEBI.  Mid-Cap Companies are those with a capitalization of INR 500 Cr to INR 10,000 Cr, Market capitalization being the product of price per share and total number of shares outstanding.

Conceptually, all the traded stocks are to be classified into one of the three buckets, i.e. Large-Cap Funds, Mid-Cap Funds and Small Cap funds. Large-Cap Funds have high market capitalization and carry lower risk as compared to the other two categories but the growth of Large Cap Funds are more likely to  be  stagnant.  Whereas,  small  cap  funds  being  more  volatile  in  nature  have  the  potential  for exponential growth and carries high risk. Mid-Cap funds are the mix of both. It has typically achieved enough stability to carry lower risk as compared to small cap funds and also holds the potential to grow at a better rate than large cap funds.

Investors who are too conservative could diversify a portion of their fund corpus into mid-cap funds better their chance of growth. Most companies in the BSE (Bombay Stock Exchange) are mid – cap companies.  They do not attract serious media attention unless the company is spun-off, purchased or has any other activity that is news worthy. Giving it the potential for it to be a ‘value stock’, i.e. lesser known companies and brands that have good prospects of growth. Mid-cap funds have been in business long enough to experience on and off seasons and sustain demand through it.

There  are an  array  of  advantages  that mid  cap  funds  enjoy,  but  there  are  also  a  down  –  sides  to investing in mid-cap mutual funds. Their growth rate to reach the current state of stability is in the past, although these companies may have a period of growth spurt it’s less likely to sustain the same in  the  future.  At  times  of  crisis  mid-cap  companies  experience  a  sharp  dip,  unless  they  carry  a recognizable  brand.    Mid-cap  funds  are  typically  targets  of  takeovers,  which  may  not  play  out positively for investors.


  • Lower risk as compared to Small Cap Funds
  • Higher rate of return as compared to Large Cap Funds


  • At times of crisis, if lesser known brands are caught in a tide, its likely to experience a steep fall
  • Mid-cap companies may have stagnated and may not prove to have the same growth it had in its initial years of business.

An example for a Mid Cap Fund and brief details are as in table T-a & T-b


Mid-Cap Funds are a necessary mix for risky investors when they choose to reduce their risk appetite and for conservative investors to experience better growth.

We undertake content writing & Digital Marketing projects, write to us on


Visit our website:

Amazon’s Presence in India

Here’s an overview of how Amazon’s operations in  India  has influenced the Indian market.

Amazon has taken a good part of the previous decade to re-shape the retail industry in India, disrupting the existing retail business models. Registering  as  a  seller  on  amazon  is  easier  in comparison to its competitors. Amazon drove its strength from being an inclusive aggregator, with  requirements  to  list  as  a  seller  being limited  to  GST  Registration,  PAN  Card  and  a Bank  account.  Making  a  wide  array  of  goods available  online   and   thus   pushing   several supermarkets  to  develop  and  launch  apps  to adapt to a more digitalized business model aka E-tailing.

Collaborating  with  Amazon  is  not  limited  to selling;  businesses  can  now  partner  with  the company  for  delivery  and  pick  up  services  as well. The company  follows a simple model to on-board   local   businesses   for   its   logistics. Amazon’s attempt to localize the delivery and pick   up   option   may   have   helped   several businesses    add    another    service    to    their portfolio.  However,  it  left  several  authorized dealers  and  huge  retail  units  fall  victim  to predatory pricing. Licensed dealers of hardware products  lost customers to wholesalers  and  unauthorized  resellers  with alternatives at much lower prices.

Tech  companies  in  Pune,  Bangalore  &  Delhi have designed SEO tools to help rank products higher  on  the  portal  for  relevant  searches. Amazon  offers  its  own  paid  sponsorship  to push  the  products  on  to  the  first  page,  the company  also  suggests  several  techniques  to optimize   product   listings.   However,   having several  sellers  in  substitute  categories  across the country drives the need for external tools and  teams  to  manage  the  listings.  This  has given rise to a new sub category in the E-Tailing Industry.

Kindle – a paper free electronic device to read books was introduced in India in 2007, having a dual  selling  model  i.e.  the  sale  of  the  device itself   and   digitalized   books,   the   company hoped to interest readers to shift from regular books.   E-copies   of   the   books   were   made available  at  discounted  rates  and  Kindle  was upgraded through the course of the decade to weigh   lighter,   have   extended   battery   and modify the light emission from the device. The product  has   managed   to  sustain  moderate sales but failed to replace regular books.

Amazon has managed to sustain moderate sales of kindle but  failed to replace regular books.

Amazon has branched its target audience to more diversified platforms, Amazon’s Prime Video is among the most viewed paid streaming services in India and has a varied array of content in several languages and genres. Prime Video is successfully creating local original series around the world. In India it released its hit series ‘The Family Man’ and has designed compelling content to suit the local audience, which was much harder for foreign companies a decade ago. Amazon has competitors like Hotstar and Netflix in the same vertical. The segment of online streaming now competors with the existing media such as Television, Bollywood and cricket pushing other channels of media to update their approach to retain audience.

Alexa is amazons AI powered virtual assistant; which is now available in more variants to suit different   pricing    strategies.    The   company recently introduced an added feature enabling Alexa to operate in response to instructions in Hindi, furthermore it also announced that, with the      Multilingual      Mode,      customers      in multilingual  households  can  switch  between languages when talking to Alexa.  It competes with  international  brands  such  as  google  and Microsoft   in   the   segment.   Dependency   on personalized    virtual    assistance    has    high prospects of growth in the following years.

Amazon announced that,  with the Multilingual Mode, customers in multilingual households could switch   between languages when talking to Alexa.

Amazon Pay was introduced  in India in, 2016 and has since emerged as a successful payment platform  providing  an  easier  interface  to  pay household  bills,  travel  bookings,  gifting  and even   servicing   loans   through   EMI.   PayPal, PhonePe, Paytm and G Pay are other players in the  industry.  The  paradigm  shift  to  payment partners   spurred   from   India’s   initiative   to demonetize cash and amazon pay has been in par with other players to capitalize the change.

Each of the services mentioned above acts as a platform to place ads.

Each of the services mentioned above acts as a platform  to  place  ads.  With  the  tremendous visibility, that amazon has now gained in India, displaying   ads   is   an   additional   source   of revenue  to  the  tech  giant.  Going  further  into the nuances of each of the services will unravel pros  and  cons  to  the  customers,  competitors and the industry overall.

Have  I  missed  any  important  ways  in  which amazon   has   changed   the   Indian   market? Would  you  like  to  see  the  break-up  of  the revenue   model   and  understand  how   much revenue it generates from each segment?

Comment below and let me know.

Kusuma YJ

Davala Corporate Services

Disclaimer:   The  information  presented  and  the  images displayed  in  the  article  has  been  sourced  from  several articles published about and Amazon’s annual investor report

We undertake content writing & Digital Marketing projects, write to us on


Visit our website:

Fintech India – 2018

The Prime Minister addressed a gathering at a Fintech festival in Singapore recently and said that India has become a preferred destination. He said, “There  is  an  explosion  of  Fintech innovation and enterprise in India.   It   has   turned   India   into   a leading Fintech start up nation in the world. The   future   of   Fintech   and industry 4.0 is emerging in India”.

What is Fintech?

Fintech refers to the application of technology in financial services. The Industry has surged post infrastructure  changes  introduced by the government and the demonetization in the year 2016.

Growth of Fintech in India

Several factors contributed to the growth of Fintech in the country, the momentum sparked at announcement of demonetization, which made 1000 Rupee and 500 Rupee notes invalid in the currency stream. Hence, making small vendors also adapt to digital payments.

The government also supported start-ups through several schemes that allow tax exemptions and simplification of regulations. The development of (UPI) Unified Payment Interface and the  introduction  of  BHIM  (Bharat  Interface  for  Money)  by  (NPCI)  National  Payments Corporation of India garnered trust among the public.

Companies that benefited the most were payment platforms and start-ups that were related to bank technology, consumer finance, investment tech, alternative funding and P2P lending platforms.  Along  with these  companies,  E-commerce  businesses,  start-ups  that  work  on Business Analytics, and Artificial Intelligence also surged. Scriptbox stands as an example for a start-up that integrated financial services with artificial intelligence.

Where India stands in the global scenario

India ranks among the top considering the countries that are adapting to Fintech. As per EY’s Fintech adaption index, India is estimated to have 52% adaption rate, which is 2nd  in rank, only behind China. The global adaption rate is estimated to be 33% and India fares higher than this rate.

Industry Outlook

The  Outlook  for  Fintech  looks  positive  considering  the  funding  raised  by  several  startups including Paytm, Policy Bazaar, PhonePe, Lendingkart Technologies among other companies. Although very few companies are profitable, most companies as per a survey conducted by Yes Bank are projecting over 100% growth in revenue over the next one year.

We undertake content writing & Digital Marketing projects, write to us on


Visit our website: