Taking the risk of beginning a startup is an all-encompassing task that will put your entrepreneurial skills to the test. Those bold enough to take this daunting step are generally motivated by a fierce belief in the product or service they are providing. Though what can often happen is that vision gets ahead of logistics.
Regardless of how unique your business is, if you don’t look after the back end of your operations, this can severely impact your overall efficiency. Below, we look at seven roles a fulfillment company can take on to maximise your business processes while keeping you focused on the core of your business.
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1. Warehousing
Like many startups, it’s probable that you don’t have a warehouse at your disposal. In order to prevent you from needing to rent an entirely new space or your office from becoming a de facto storage space, a fulfillment company can take on this responsibility for you. Companies like Red Stag Fulfillment are experts in the game and can help you manage your merchandise securely.
2. Management of inventory
Keeping your inventory well managed is essential to maintaining customer satisfaction. Once a customer makes an order with you, you are entering an agreement whereby you agree to deliver your product to the customer who has paid currency to receive it. While people do tend to have a touch more sympathy for smaller companies, not honouring such basic-level business agreements can spell disaster for the reputation of your company.
A fulfillment company stays on top of your inventory to ensure miscalculation or mismanaged stock don’t lead to unsatisfactory outcomes for the customer. Contacting a customer to inform them you are out of stock after purchase is not only embarrassing but also damaging to your credibility. It is not complex, but it is easily neglected without a proper team assigned to the task.
3. Management of orders
Again, this is not a complex task, but it is time-consuming. Doing this yourself will likely stretch your resources thin. By doing that, you’re increasing the likelihood of inaccuracies, resulting in wrong product shipments or overlooked orders.
By hiring a fulfillment company, they can take this stress off of your hands by ensuring orders are recorded, packed, and dispatched as efficiently as possible. Further, they will also handle the inevitable return that will occasionally happen, keeping friction to a minimum, so you get noticed for the right reasons.
4. Shipping
Shipping is essential for any online business, though this step entails slightly more than simply going to the post office. This is the stage of the process that will get your product to your customer, and ideally in one piece. The packaging used needs to be durable enough to weather any rough conditions it may face, but it also needs to be compact enough to keep it from the additional costs attributed to bigger-sized packages.
A fulfillment company will have the processes, infrastructure, and access to customizable packaging required for this step.
5. Customer service
Customer service is an essential part of any business. Customers are always going to contact your business, whether to inform you that they are unhappy, to request product specifications, to request details on delayed shipping times or anything else that may arise.
Having an open communication channel for your customers is your duty as a business. Leaving the task with a fulfillment company means that they can respond to customer queries with a dedicated sense of expertise.
6. E-commerce
E-commerce is the online platform your customers will use to view products and make purchases. As a startup in the 21st century, having an E-commerce platform is an absolute necessity.
Many fulfillment companies are intimately familiar with the different e-commerce platforms available. They take total control of the entire process and can even cater the platform to meet your brand’s aesthetic.
7. Receipts
After handling the entire process, from the sale to dispatch, your fulfillment company can then provide you with a comprehensive report at the end of every month. This will include all information on revenue and products sold, which can then inform what inventory is required and which areas of the business are doing well or need improvement.
Conclusion
From inventory to sales to shipping, and customer service, having these outsourced can free up a tremendous amount of time and resources. This allows your staff to focus on the core of your business while reassured your customers are being looked after. Creating positive customer outcomes is good for your brand, and ultimately, profitability.
If you think of any reality TV show having an equal number of lovers and haters it has to be Bigg Boss. The infamous TV reality show which is based on the UK TV show BIG Brother has been running 14 successful seasons in India so far. The show has a huge audience base and crazy fan following all thanks to its unique set up and Bollywood biggie Salman Khan as the host.
The show has been a viewers favorite for three things. The host Salman Khan, Bigg Boss’ voice and the house. This show is for entertainment purposes but never runs out of controversies. Be it Shilpa Shetty being bullied in BIG Brother or the nasty fights between Rashmi Desai and Siddharth Shukla in season 13.
The show has been shot in various locations with a few seasons in Karjat and Lonavala and the latest one was shot in Mumbai. The factor that attracts most of the viewers apart from the contestants is the Bigg Boss house. The Bigg Boss house has been remodeled several times for each season. This season has been special since the house had a new movie theatre, gym and spa which was accessible to the contestants only after accomplishing respective tasks.
The format had been similar to previous seasons except this time along with celebrities it had commoners too. For those of us who do not know what Bigg Boss is and how it works, the contestants are supposed to make their way through a number of days/episodes in the house to the finale without any source of entertainment like TV, laptops and even their phones. Every contestant aces the rounds on his or her own tactics and tries to avoid elimination. Contestant who has sustained all the episodes till the end wins the show.
The viewers might be finding it hard to believe as to why a celebrity would live in a house that has confined them away from their family and friends, has quarrels and conflicts all day long for three months. Take a hint.
Bigg Boss contestants are paid a handsome amount of money every week for being a part of the show. Let’s have a look on how much the show can afford to pay them in order to keep us entertained.
Including the wild card entries here’s a full list of Housemates who were a part of BIGG BOSS 14 and how much were being paid every week throughout the show.
Rubina Dilaik, popularly known as the TV serial Bahu was crowned the winner of Bigg Boss season 14 and took home Rs 36 lakh. Rubina, along with the finalists, paid Rs 14 lakh from her prize money earlier in the show to make it to the top finalists. Singer Rahul Vaidya was announced as the runner up.
Rubina Dilaik – Bigg Boss 14 Winner
Bigg Boss – A Relief during Pandemic
Bigg Boss has a huge audience base since the inception of the show. It is safe to say that the number of viewers over the years have only grown. Analysts were worried because Bigg Boss had to fight for attention over the IPL matches starting soon during the same time. But creators were sure Bigg Boss would not be neglected as the overlap was insignificant.
Viewers have always wanted something fresh and entertaining from the industry, more so during the pandemic. Bigg boss has had more than 300 million viewers so far and each season, this number is going up.
While some viewers may find the show annoying to its very core, the others find it surprisingly entertaining. The quarrels, conflicts between the housemates, politics and tasks that are performed are the highlight of the show. While one half asks for it to be shunned permanently, the other half is all in for the drama and chaos.
Money makes the world go round, quite literally. Interesting 21st century shift of focus, isn’t it? We will dwell on that phenomenon under a relevant topic, for now we will look at just the right investment opportunities that the wise are most likely to target in the year 2021. Something that should make your & my bank accounts recover fast as our nation has, from the Wuhan virus.
IMF (International Monetary Fund) has projected a GDP growth rate of 11.5% for India, highest among all major economies including China’s – this is the kind of positive announcement we needed to set foot in the year 2021. And it showed its magic already. Stock markets jumped in excitement after Budget 2021, doubling the cheer for investors. Not forgetting that markets are highly speculative and volatile and do not always truly behave as per the economic realities on the ground, hence risky. But at the same time equally rewarding if you observe the patterns carefully over time.
So if you think it’s time to gear up and make some far-reaching changes in your stock portfolio – in order to either revamp your share market investment that was hit by the turbulent 2020, or to readjust/diversify it to continue getting stable returns or simply to reap the gains of the rising share market – here are some of the best stocks to place your bets on in 2021.
1. Infosys
Industry: IT – Software
Market Cap (INR. cr): 550,100.64
Stock exchanges: BSE (500209), NSE (INFY)
Share price history:
Last 6 month high
1392.70
Jan 2021
Last 6 month low
912.60
Sep 2020
Last 52 week low
511.10
Mar 2020
Current share price (BSE)
1,291.35
Feb 19, 2021 (closing)
According to key brokerages, buying stocks in Infosys is worth it. IT major in the top spot shouldn’t be a surprise, especially in the post COVID economic environment. Businesses are increasingly relying on digitisation, making information technology most sought after domain. Healthy deal pipeline, cost efficiency & account expansion are some of the other factors going in this stock’s favour, experts speculate.
2. Bharti Airtel
Bharti Airtel
Industry: Telecommunications – service
Market Cap (INR. cr): 316,940.60
Stock exchanges: BSE (532454), NSE (BHARTIARTL)
Share price history:
Last 6 month high
610
Jan 2021
Last 6 month low
394.05
Sep 2020
Last 52 week low
381.05
Mar 2020
Current share price (BSE)
580.95
Feb 19, 2021 (closing)
Telecommunications powers IT & vice versa. Both are interdependent. With internet penetration growing rapidly, and India’s rural population largely having access to internet though Smartphone, (up to 50% of population has gotten access by 2020), this sector is booming for sure. So Airtel overtaking Jio in adding new monthly subscribers in 2020 isn’t a shocker. Moreover, social distancing has made mobiles & broadband into a necessity for businesses & individuals across. Hence, foremost brokerages give thumbs up to this stock as well.
3. SBI
SBI
Industry: Banking, Finance
Market Cap (INR. cr): 356,404.36
Stock exchanges: BSE (500112), NSE (SBIN)
Share price history:
Last 6 month high
310.80
Jan 2021
Last 6 month low
175.55
Sep 2020
Last 52 week low
149.55
May 2020
Current share price (BSE)
399.35
Feb 19, 2021 (closing)
SBI is the largest public sector bank & one of the biggest corporations of 2020 according to Fortune Global 500. It is also one of the best performing stocks of recession year 2020. Consistently falling NPAs must be the reason for investors’ growing confidence in this bank with over 22,000 branches. Top brokerages too favour investing in this stock.
4. Bajaj Finance
Bajaj Finance
Industry: Financial Services (NBFC)
Market Cap (INR. cr): 331,365.79
Stock exchanges: BSE (500034), NSE (BAJFINANCE)
Share price history:
Last 6 month high
5372.75
Dec 2021
Last 6 month low
3008.85
Sep 2020
Last 52 week low
1783.10
May 2020
Current share price (BSE)
5499.05
Feb 19, 2021 (closing)
This is another stock that brokerages approve for inclusion into your long term investment portfolio. Short term lending is the companies’ forte. A subsidiary of Bajaj Finserv Ltd. and part of the Bajaj group of companies – Asset management, wealth management & insurance are its other core financial services. What is contributing to this sector’s growth? Low interest rates, foreign fund inflows further lowering cost of money thereby liquidity and of course consumer behaviour i.e. tendency to spend more than save.
5. HDFC Bank
HDFC Bank
Industry: Banking & Financial Services
Market Cap (INR. cr): 847,754.65
Stock exchanges: BSE (500180), NSE (HDFCBANK)
Share price history:
Last 6 month high
1511
Jan 2021
Last 6 month low
994
Aug 2020
Last 52 week low
738.90
Mar 2020
Current share price (BSE)
1544.50
Feb 19, 2021 (closing)
Started as Housing Banking Development Corporation, the largest provider of housing loans, HDFC Corporation diversified into retail banking in 1994. The largest private sector bank by assets and largest by market cap, HDFC Bank gets an almost unanimous ‘buy’ recommendation from brokerages. After the market crash of March-May 2020 across all sectors, this one has shown an almost steady upward momentum. The health of this bank is also reflective in its investment of INR 1,000 crores for reconstruction of Yes bank in order to prevent its collapse in Mar 2020 due to excessive bad loans.
This is not an exhaustive list or a blanket recommendation for all investors given the varying degrees of risk & reward taking potential. Plus, each investor has a set of expectations unique to his needs/goals. Therefore these are just a few shares (out of several), keeping one common goal out of many in mind, among multitude of investors – low risk with a good return over a long term (typically 3 years or more).
Wondering what are the parameters you should consider while zeroing in on a stock? A few factors you must consider before you make your investment are:
Market Capitalisation: It is simply the market value of the publicly listed company i.e. the number of outstanding shares multiplied by the current price per share. Hence it is a variable & keeps changing. Look out for the trend over a period of time to derive meaning. It represents size of the company (large cap/mid cap/small cap); a high market cap (relative to the industry of the company & its peers) further indicating a more stable growth, hence low risk perception.
Sector/Industry Assessment: To look for the growth prospects of the sector you plan to invest in has crucial value. Say you want to buy stocks of a company operating in the software industry. Currently IT is a booming sector; software products & services are in huge demand due to digital drive by govt as well as global shift in consumer behavior showing inclination towards technologies like cloud, AI, robotics, 5G etc. Similarly healthcare/pharmaceutical & e-commerce are seeing an unprecedented growth due to obvious & significant post pandemic socio-economic changes. Other promising sectors would be power, infra, chemicals et al. It all comes down to which sector attracts you.
Financial health of a company: Revenue, operating/net profit or loss, EPS, P/E ratios etc. are some of the basic pointers of the performance of a company. Analyse & compare these over a couple of quarters or years depending upon your short/long term investment goals.
Economically, 2021 clearly is a risky terrain, just showing some green patches but with whole lot of uncertainty about the future path. So ‘caution’ is the word for 2021. Growth looks certain, in all sectors of the economy but the direction & extent will vary depending on how long & successful the vaccination drive turns out to be and that is what will eventually decide the sum total of returns you pocket.
What Is Unique About Investing in Stock Market
Very simplistically put, just like how you plan your diet according to your taste, you must plan your stock portfolio to best suit your financial needs and interests. Pack your investment portfolio with choice of healthy, interesting & may be a few experimental options as well. And then start to watch & study the trend of your stock performance or ROI (return on investment) over time, because this is primary in becoming a successful investor & ensuring a robust financial health.
P.S: Again, these are only a few stocks with large market cap that brokerages & market analysts have favored buying or holding for a rather careful investor looking to safely park his money (away from gold or real estate) for a long term. There are many more, in many other industries with mid & small market cap that could give you rich returns if you do basic research & then keenly watch their trend. Timing is as important as the budget & the shares you pick. So here’s wishing a happiness ‘index’ for your shares too!
Frequently Asked Questions – FAQs for Share Market
How do you double your money?
Most of us us think its a wild goose chase, but did you know according to ‘rule of 72’ you could calculate the time it’d take to double your money? The time it’d take to double your money = 72/rate of return
Example: At 10% return money will double in 72/10 i.e. 7.2 yrs; Similarly at 8% return money would double in 72/8 i.e. 9 years.
Do I need a large sum of money to invest in stocks?
Absolutely not! You can start investing with a small amount of a couple of thousands to begin with. And that is usually recommended for beginners.
The digital world is one driven by data, and to say that our data management systems have been up to the task would be an understatement. Almost hundreds, if not thousands of databases are set up everyday, and when it comes to the rate of digitization of the otherwise analogue tasks, this number won’t be going down anytime soon. This increment in databases asks for database development and management platforms, which is where the no code database development platforms come in.
The no code development platforms for databases help you deal with and manage databases without having to code. These platforms furnish users with tools to organize and optimize data resources for flexible and efficient management of data. Most of them also offer integrations with your existing software for seamless operations and data analysis. So here we present and compare some of the best no code development tools for databases, so you can take your pick accordingly.
Actiondesk is a powerful data management tool that you can use to handle and update your data without any coding. While Actiondesk can connect to and import data from any database or data source in seconds automatically, its flexible interface enables you to work on your data like spreadsheet from SQL databases including MySQL, PostgreSQL and others, Intercom, Airtable, and others. Actiondesk also offers various integrations such as Stripe, Salesforce, Pipedrive, and HubSpot, for seamless workflow management and efficient data handling.
Airtable offers a plethora of business intelligence tools in a single workspace and platform. With both, the flexibility of a spreadsheet and the power of a database, Airtable furnishes users with a scalable platform and sophisticated solutions. Users can also choose from a variety of templates to choose from for better deliverability and workflow. With a user base of over 200K customers, Airtable brings you the tools you need to harness the power of structured data along with various fields and pre-built applications that come with a click to add interface.
Knack is a simple and intuitive tool that enables you to build an online database and structure your data without having to code. Knack also allows you to extend your data with repetitive patterns and equations as well as link connected data using a no code interface. Moreover, with the help of workflow automation and data management, you get to efficiently handle data while the real-time reports and dashboards make it effortless to visualize data and work on it. You also have a secure user access with various integrations to connect all your services to a central hub.
KgBase helps users build no code knowledge graphs with an interactive UI by traversing graphs and other structured data in the form of tables and charts. With KgBase, users can create a query and view the results in real-time, as well as view your graphs and charts in the form of tables regardless of the size. Users can browse from a plethora of templates and visualize the charts through queries, and then export the data in the form of over 20 different graph data formats. While KgBase also offers excellent team collaboration, it also comes in 2 different variants called the Pro version and the Enterprise version.
Stackby
Stackby is a platform that offers both, the adaptability of a spreadsheet as well as the power of databases along with built in integrations. Stackby furnishes users with an effortless spreadsheet interface with over 25 unique data types to build a relational database. It also allows users to transform databases into custom solutions along with different templates for various niche including live dashboards, Google Analytics, Campaign Management, as well as content calendar and data enrichment. Stackby also offers various automation tools for online databases.
WorkMap.ai, formerly called HyperBase, is an online database management platform that simplifies data collection with the help of webforms. The database applications that WorkMap.ai has to offer has the ability to automate business processes through workflows. It also allows you to break your workflow into several phases and automate them and assign different tasks to phases. Moreover, WorkMap.ai offers a library of pre-built database applications with queries and filters, along with a cloud based relational database with features of Microsoft Access.
Diyotta CloudSync
Diyotta offers a cloud sync platform that helps users sync their databases on the cloud without the use of code. CloudSync enables users to access and share information stored in hundreds of databases by centralizing the data on a single cloud unit, and build data pipelines. Diyotta offers an intuitive drag and drop based and fully automated interface with data integrations along with secure and seamless data sync. Both structured and semi-structured data can be synced on the cloud with CloudSync with managed data ingestion for cloud storage and access.
Rows
Rows is a spreadsheet centric no code data management system that helps teams collaborate seamlessly, and share their work, all in one place. With all the basic functionalities of a spreadsheet, users do not have to learn anything new to implement on Rows. It also offers a variety of integrations and can be shared in the form of reports, forms, as well as dashboards on any platform. Moreover, with the help of lead generation tools offered by Rows, you can also have your CRM updated and track your competitors with competitive intelligence and build reports through marketing automation.
Calcapp is a powerful tool that helps you organize and manage databases in the form of applications, without having to code. Applications offer a much clearer picture of the data you need to handle and are free of the errors you often encounter in spreadsheets. The web apps you build with the help of Calcapp can also be used offline, and the data and information you need to manage also stays confidential with the secure sign in. Moreover, Calcapp furnishes users with over 300 functions, different fields along with loads of integrations including Zapier, Dropbox, Paypal, and others.
Assemble is a platform that helps you build APIs, backend, and structure databases in a matter of minutes without the need of coding. Assemble furnishes users with automatic API documentation, robust API and webhook logs, and even queries, and allows you to structure your data in 3 simple steps. All the users need to do is define their data, get the endpoints through the app, and then deploy the API. Assemble also offers a secure hosting with unlimited users and quick development and deployment along with resources and permissions.
Conclusion
Among the various no code online database platforms, different platforms have different values to offer. Some of the platforms including Rows and Stackby are more spreadsheet oriented, and have excellent flexibility, while others like Assemble are more focused on connecting to databases through APIs. Knack and Stackby also offer various automation tools for the repetitive tasks, and hence are more efficient. All in all, above listed tools are compatible for different business types and niche, and hence, you can take your pick accordingly.
The history of International Women’s Day dates back to 1908, when some 15,000 women marched on New York City in the name of better working hours, fairer pay, and the right to vote. Three years later in 1911, the first official IWD was celebrated throughout Europe as more than a million women walked challenging stereotypes for their right and equality.
Women in India have not only stepped into the corporate world but have also begun to make a mark in entrepreneurship. Fast forward even 2020, Women Entrepreneurs comprise 11% of all entrepreneurs in India, which means there are only about 550 women-led companies out of more than 5,000 startups (NASSCOM reports). The number is small and growing slowly, the with all the policy and most importantly mindset change coming up, we will soon see a rise in the same.
March 8 marks International Women’s Day 2020, and we at StartupTalky, also wanted to celebrate the spirit of womanhood with the entrepreneurs who have come out breaking all the barriers to and lead and change the world for the good! let’s learn how these women are changing the entrepreneurial landscape and how!
Ishita Yashvi, Co-founder at Cross Border Kitchens
Here is our small interview with Ishita Yashvi, co-founder at Cross Border Kitchens.
ST – Why did you choose to be an entrepreneur? If not entrepreneurship, then what?
Ishita Yashvi – This is a very long list of reasons which include: the desire to make a larger more positive impact on people around me, for the opportunity to work on something I loved, with the people I love, for greater stability and freedom to make something of my own, for the chance to utilize my skills better.
If not an entrepreneur then a marketing professional working my way through newer challenges.
ST – What Challenge did you face as a woman entrepreneur and How did you solve it?
Ishita Yashvi: The challenges faced were more entrepreneurial in nature than being specific to a gender.
I would advise working women to not carry the guilt of being a lesser homemaker / mom / person.
ST: What policies your company has adopted to support women at your workplace?
Ishita Yashvi – We provide equal opportunities for men and women alike. Cross Border Kitchens has a woman as one of the founding team members and so is our Head of HR & compliance. We have natural inclination towards ensuring woman sensitive policies. Towards working mothers – we provide them with work flexibility with maternity benefits. Mothers who go through complications during childbirth receive an additional maternity benefits. We also ensure safety of travel for any late work sitting. As part of our policies an ombudsmen is always available to resolve escalations.
ST – How can working women manage both, home and work?
Ishita Yashvi – Short answer is – very successfully. One must create a balanced infrastructure that works for you – it could be your house help, nanny, family, etc – the key is to be collaborative and not carry any guilt for managing both together. The idea of getting equal opportunity at work extends to getting equal opportunity at home. That is, it applies to taking equal responsibilities for both the genders.
I would advise working women to not carry the guilt of being a lesser homemaker / mom / person. It’s important to have a partner / family & friends who fuel your dreams. An understanding support system helps immensely.
ST – Do you think there must be at least one female co-founder, why?
Ishita Yashvi – It’s not imperative to have a female co-founder as important it is to have equal opportunity provision in all levels of workforce. Being a Co-Founder is a matter of being at the right place at the right time. It’s about the first eureka moment. Anyone can have it. However, I strongly believe that the top management of all organisations should have equal representation. If by having a female co-founder helps ensuring equal opportunity for woman workforce then I would highly recommend.
ST – As a women entrepreneur, What kind of support have you got from the government? What would you like to suggest?
Ishita Yashvi – We have ourselves registered with government as MSME. Other than that we have dealt with the same challenges as any other F&B tech start up.
ST – Why do you think still women’s contribution is too less in the Indian startup Community?
Ishita Yashvi – It is a matter of time that woman will start getting their due. Traditionally we have been a patriarchal society, and therefore men have had a head start. Having said that women are catching up. We need to win battle by battle and ensure woman get equal representation in the workforce and equal opportunity. From thereon it will be the natural next step. Just how we as a society have ensured education for women, soon more and more female driven start ups can be launched once we ensured equal opportunity for women in workforce.
ST – If someone is stopping women to become an entrepreneur what advice do you have for her?
Ishita Yashvi – If the business plan is conducive then I would strongly advice the person to take a plunge. It’s important to have faith in oneself.
Cross Border Kitchens (CBK) is a multi-brand food delivery start-up. It is a cloud kitchen which means that it has no seating facility and only delivers orders. They currently have 8 brands under them which includes Biryani Central, BroMomo, AIM Burger, Chutney India, Pind Patiala, Irfan Bhai, The Meal Bow.
Company Profile is an initiative by StartupTalky to publish verified information on different startups and organizations. The content in this post has been approved by Finin.
Suman Gandham was fascinated by the Neobanking wave in Europe. A neobank is a type of digital bank without any branches. Neobanking is completely online, rather than having physical presence at a location.
Founded in February 2019, Finin is India’s first, full-fledged consumer neobank to go live in the country. Since the launch in December 2020, Finin has seen about 4000 account opens and is looking forward to many in the coming days. One can open Finin Savings account in under 2 minutes with minimum KYC. Finin is a hyper-personalized neobanking platform, made with the purpose to bridge gaps using technology and help people develop a better relationship with money by simplifying antiquated banking services.
StartupTalky interviewed Suman Gandham (Founder of Finin) to get an idea on the Startup Story of Finin and to have a closer look on Finin Success Story, Funding, Business Model, Startup Idea, Founders, Growth & more…
Founded in 2019, Bengaluru based startup Finin is India’s first, full-fledged consumer neobank to go live in the country.
Finin provides users with a savings account powered by SBM and issues a VISA debit card. Finin helps empower users with Goal driven solutions via converting them into highly savings-driven financial disciplinarians through smart & relevant notifications, hyper-personalized solutions and nudge theorem to guide them into the 50-30-20 rule seamlessly.
Finin – Industry and Target Market
Finin is relevant across industries and market sizes and essentially a relevant product for anybody who has a smartphone and uses PFM (Personal Financial Management) or banking apps.
There is market size of 0.76 Billion, Finin can tap into. Finin started by targeting Tier 1 and Tier 2 cities. Its main focus is white collar job holders with a salary range of 30k to 90k per month, freelancers, students and millennials.
Finin breaks its user base into 3 broad umbrellas – Spenders, Savers and Borrowers. The aim here is to convert Spenders and Borrowers into Savers and funnel them into the Invest category.
Suman Gandham and Sudheer Maram are the Co-founders of Finin
Suman Gandham and Sudheer Maram
When Suman Gandham, Founder of Finin, came back from Europe with the idea to start a neobank in India, he was already bouncing ideas off of Sudheer Maram, co-founder of Finin who is also from a Financial background.
They both share an entrepreneurial mindset and are childhood friends. They soon joined hands to start working on Finin in February 2019. Sudheer did a BE in Computer Science from Madras University. He has been heavily involved in the Financial space and worked as a senior analyst with Infosys. He heads Marketing & Operations in Finin while Suman handles the tech, product and business side of the company.
Finin founders and team
The company has 15 employees currently. The work culture is highly motivated, driven and at most times fun.
“We work and eat together like a family. We celebrate small victories and help each other across departments” – Says Suman Gandham (Founder, Finin)
The early core team was a well picked list of recommendations from friends and family and the singular motive was to identify those candidates who had a passion for the idea and the appetite to work in a competitive environment.
Luckily for Finin, the core team is aligned to the vision and mission of the company and are keen followers of the Fintech and product innovation space. Its core team members are from Fintech backgrounds. Most of them have worked in startups where they have helped products go from 0-1 and everybody has a shared affinity for the problem Finin is determined to solve.
Suman was a Fintech VC in Barcelona and was fascinated by the neobanking wave that gripped the continent. Having observed some of the most successful neobanks and their inner workings, Suman was clear that a concept like this in india was absolutely essential.
He was already in conversation with Sudheer Maram, his childhood friend, a fintech space enthusiast and a finance industry person to brainstorm and lay the foundation of the idea. Sudheer, jumped the bandwagon and soon in Feb 2019, the company was founded.
“A lot of people claim that India is underbanked, however the reality is that it is indeed overbanked. The only loose end is that the solutions offered by most banks are strikingly similar in a manner to say that they lack personalization, apt utilization of data or technological inclusions to make the customer journey seamless and intuitive. The banking infrastructure is indeed a cumbersome and tedious journey.A hyper-personalized neobanking platform like ours is made with the purpose to bridge gaps using technology and help people develop a better relationship with money by simplifying antiquated banking services” Says Suman Gandham, Founder of Finin
Finin is based out of Bangalore, India and was founded in February 2019. It went live on 2nd December 2019 as the first consumer neobank in India. Finin is an online-only consumer neobanking solution partnered with SBM Bank India. By creating an account, one essentially creates a Finin Savings account and is issued a Visa Signature powered debit card.
Finin – Product, Features and How it Works
Finin has created an easy-to-do onboarding sequence that lets a person create a Finin Savings account in under 2 minutes with minimum KYC. Once the SBM powered bank account is created, a VISA Finin debit card is automatically issued and delivered to the user. While the card arrives, the virtual card has a lot of functions which allows for online payments and transactions.
Further to this, a user has the opportunity to link their other bank accounts to the app to get a rounded view of all transactions and balance in one-app view. This in fact is a very sought after feature as per Finin users.
The Finin app also gives one the functionality to create monthly budgets, basis which nudge theorem, AI powered analytics and insights are used to send users the save-spend data, recommendations on the best practices, reminders on trial subscription cancellations, bill payments, tracking refunds and even highly personalized notifications such as whether a user must opt in for merchant embedded features like Zomato Gold or Swiggy Super.
The nudge theorem employs the 50-30-20 rule to guide users effortlessly towards smart financial choices. One can create Goals on the app to practice discipline and allocate a weekly or monthly amount towards this goal. This goal comes with an added feature called Round off transactions feature which when opted for, an extra amount of the users preference is deducted and saved aside for the Goal. This is akin to finding money in your old jeans pocket.
The main idea of Finin is to convert spenders and borrowers into savers and eventually investors so that they move down the road to financial discipline and further still financial independence.
Right from a high utility neobanking app offering improved features such as easy transactions, easy card management which includes blocking or unblocking a card at the click of a button or enabling/ disabling contactless payments, international payments, ATM withdrawals and online transaction through the app easily and limitlessly, Finin also offers a suite of wealth management features such as budgeting and goal management. These features come gratis with nudge theorem powered insights and analytics that will not only give one a fullscape view of finances but also guide one into financial planning, discipline and independence.
Every new concept comes with its fair share of hurdles but nothing that has been difficult to overcome. We have fostered some very meaningful partnerships to align with our vision and offer the best version of the product we intended to create – Says Suman (Founder, Finin)
Finin is an acronym for Financial independence and that is how the team arrived at the name. The tagline, a new approach to banking was in fact exactly what the founders were sure to create. The logo is a tiered arrow pointing upwards indicating monetary stability, growth and independence.
Finin Logo
Finin – Business Model and Revenue Model
Finin is an app-based platform available in iOS and android devices. The founders intently looking at the user behavior and based on the findings, they we will be hashing out a revenue model at a later stage.
Finin – Startup Launch and Customer Retention
Finin team have been running a waitlist for a less than a year and nearly 10,000 people were already on the waitlist. So Finin’s beta and first set of customers came from here.
Finin noticed the largest influx from word of mouth marketing. The Finin team did things right by talking about Finin way before launch and onboarding a waitlist of exclusive early users. This also created noise among Fintech buffs and others in general. Customer retention is purely based on the features already implemented and the future roadmaps.
“We strive to offer impeccable and quick customer service which also aids with Customer retention” Says Finin Founder
The adoption of a new concept within the Indian population which is so hardwired to use tried and tested banking names, is probably the only challenge in paper. However, the Finin team have been able to navigate through this seamlessly by creating awareness, addressing the problem and solution together and even propagating financial literacy.
There is a general unawareness of finances and money management across India. Growing up, everybody is told to save but not quite told how. FDs and RDs ruled the roost but the general populace is unaware of smart financial decisions, the right financial terms and jargons and cannot, due to lack of awareness, pick the right options for themselves when it comes to selecting the best financial manager suite.
Banking institutions lack personalization due to their one-size-fits-all approach. It is also cumbersome to gain a 360 degree view of financial management and investments through such institutions. Having identified this problem, Finin aims to work as a go-to app for everyone’s money management.
Finin – Marketing Campaign
sincThe team at Finin noticed that quirky and relevant campaigns do extremely well. It ran a series called #NoWayHosay on its social media platforms. It also ran a #CashAgainstHumanity contest which really boosted Finin’s traction.
Since Finin’s launch in December 2019, it has seen about 4000 account opens and many more are coming on a day on day basis. The product adoption has been excellent as per customer feedback.
Finin raised an undisclosed amount of Pre-Series A from Unicorn India Ventures, Point one capital and Astir Ventures and are in the process of going for Series A round.
Finin’s funding details are as follows-
Date
Amount
Series
Investors
July 2020
Undisclosed
Pre Series A
Unicorn India Ventures, Point one capital, Astir Ventures
Finin – Advisors and Mentors
Finin’s Investors are its mentors – Unicorn India Ventures, Point one capital and Astir Ventures
Finin – Recognition and Achievements
Finin has been featured across podcasts, media houses, publications and much more through the course of 2020. Some notable ones are Yourstory, Mint, Business Today, CNBC TV18, ET, etc
Finin – Future Plans
Finin has a lot of feature roll outs planned in the near future. Mutual funds, investments, lending and credit cards are a few of them.
Finin – FAQs
What is Finin?
Finin is India’s first, full-fledged consumer neobank to go live in the country. Finin provides users with a savings account powered by SBM and issues a VISA debit card.
Who are Finin Founders?
Suman Gandham and Sudheer Maram are the Co-founders of Finin
What is Neobanking?
A neobank is a type of digital bank without any branches. Neobanking is completely online, rather than having physical presence at a location.
How much is Finin Funding?
In July 2020, Finin raised an undisclosed amount of Pre-Series A from Unicorn India Ventures, Point one capital and Astir Ventures
Who are Finin investors?
Unicorn India Ventures, Point one capital and Astir Ventures
What is the USP of Finin?
Finin provides a high utility neobanking app offering improved and personalized features such as easy transactions, card management, wealth management features, budgeting and goal management and more.
The history of International Women’s Day dates back to 1908, when some 15,000 women marched on New York City in the name of better working hours, fairer pay, and the right to vote. Three years later in 1911, the first official IWD was celebrated throughout Europe as more than a million women walked challenging stereotypes for their right and equality.
Women in India have not only stepped into the corporate world but have also begun to make a mark in entrepreneurship. Fast forward even 2020, Women Entrepreneurs comprise 11% of all entrepreneurs in India, which means there are only about 550 women-led companies out of more than 5,000 startups (NASSCOM reports). The number is small and growing slowly, the with all the policy and most importantly mindset change coming up, we will soon see a rise in the same.
March 8 marks International Women’s Day 2020, and we at StartupTalky, also wanted to celebrate the spirit of womanhood with the entrepreneurs who have come out breaking all the barriers to and lead and change the world for the good! let’s learn how these women are changing the entrepreneurial landscape and how!
Chinu Kala, Founder at Rubans Accessories
Here is our small interview with Chinu Kala, Founder at Rubans Accessories.
ST – Why did you choose to be an entrepreneur? If not entrepreneurship, then what?
Chinu Kala – With Rs. 300 in my pocket, I left my home when I was 15 years old. I had to pretty much fend for myself and grew up learning things the hard way.I am not sure if I even knew the spelling of Entrepreneurship at the time when I left my home, but I always wanted to be successful. The definition of success though, changed with time.
During my initial days, success for me was getting food all 3 times of the day. Inside me I wanted to be the best in whatever I do, be it being a door to door salesgirl selling knife and coaster sets or being a floor manager for an apparel store or being a part time waitress. I used to give my 100% in every odd job that came my way. Like every career person – I did go thru my share of hardships and today that experience is my biggest asset. As any first-generation entrepreneur – I learnt the lessons of management while doing the all kind of jobs and this is what has helped me scale my business to this level today. While I was working as a salesperson in the apparel store, I had developed a keen sense of consumer understanding – such that depending on the way a customer was dressed I understood what they were looking for. I suggested options based on their fashion sensibility and then gave them their own space to discuss and decide what to buy. I later realized that this consumer understanding was a subject in the MBA curriculum, known as Consumer Behavior.
At one point, I decided the time was right to venture into entrepreneurship. I began my entrepreneurial journey with Fonte Corporate Solutions – a company that specialized in corporate merchandising. Within 5 years of operations, Fonte Corporate Solutions soon became the gifting partner of choice for UB, Sab Miller, ITC, Set Max, ESPN etc. But my interest was always in the fashion. I had done some modelling assignments and this interest became stronger. Finally, in 2016 I started Fonte Fashions India Pvt Ltd in 2016, the parent company of Rubans Accessories.
ST – What Challenge did you face as a woman entrepreneur and How did you solve it?
Chinu Kala – Today, I don’t feel that there is any discrimination between the gender genders of an entrepreneur. In order to encourage women entrepreneurs I feel that the Govt. should come out with more schemes and most important that the information of these should be widely available for women to make use of it. But once in the race both Men and women everyone will have to must go thru their own share of struggles. In order to succeed you need to have a vision and the right strategy to achieve the goal.
Being an entrepreneur means that you are determined, courageous and ready to face risks and challenges. The road to entrepreneurship for all first-generation businessmen or women is tough. So, if you face any obstacles, take that as the first challenge to your journey to glory.
ST – What policies your company has adopted to support women at your workplace?
Chinu Kala – Women constitute 65% of my staff; they are hardworking and shuffle between responsibilities. As an organization I have given the flexibility of work timing to my women staff so that they can simultaneously take care of their homes too.
ST – How can working women manage both, home and work?
Chinu Kala – Women are great at multitasking. However, for a woman to succeed at work and prioritize her career over everything else she needs a solid support system back at home. She should be able to fully focus on the tasks at work without having to worry about chores at home.
For me I am blessed to have my mom at home. My husband has supported me throughout my professional career. And in the office, I have a fabulous team whom I can rely upon to take care of the daily activities.
ST – Do you think there must be at least one female co-founder, why?
Chinu Kala – Ultimately it all boils down to the vision. An entrepreneur is one who has the vision to take the organization to the next level. So, anyone who can grow the business today, and keep an eye on business goal is the best fit for any organization. If that person is a woman, it gives an added advantage as the organization gets to have a female perspective.
Today, 50% of the consumers of any business are females.So, it’s a good idea to have both perspectives in any decision-making process.
ST – Why do you think still women’s contribution is too less in the Indian startup Community?
Chinu Kala – I strongly feel that times are changing ….and changing fast.
It has taken many years for women to start thinking of doing something for themselves and the society. Imagine a time when all women start working – the Indian workforce will just double up. This is one of the key reasons that other countries have been able to grow rapidly. But as I said earlier – times are changing – and we are already seeing a shift in the next generation. With more women pursuing careers, India’s growth will be compounded in the next decade as we will have more participation from women in the country’s growth story.
ST – If someone is stopping women to become an entrepreneur what advice do you have for her?
Chinu Kala – Being an entrepreneur means that you are determined, courageous and ready to face risks and challenges. The road to entrepreneurship for all first-generation businessmen or women is tough. So, if you face any obstacles, take that as the first challenge to your journey to glory. If you are strong and have made up your mind to achieve something, nothing can stop you from becoming successful in your career – entrepreneur or corporate professional. Just stay focused on your end goal – then anything in the way is a small hurdle to overcome.
I have seen a lot of people entering business but keeping a Fall Back Plan in place. I say that when you start your entrepreneurial journey doesn’t keep options open.…. If you fall do not fall back…. Fall forward so that you can see where you are falling.
Rubans is a fashion jewellery brand, with a mix of ethnic and western styles. They sell everything from Kundan Jewellery to Hand Painted Jewellery to Earrings and Bangles. In 2019, within a span of five years from launching, they recorded a turnover of INR 7.5 Crore.
The demand for video content is increasing with each passing day. Today, video content consumption has also increased the CDN costs, bandwidth, and buffering costs massively.
This affects not only your customers but also your bills.
Peervadoo is a p2p CDN solution using WebRTC to improve latency for live streaming and Video On Demand platforms. It also reduces the bandwidth cost for video streaming.
Peervadoo dashboard
Peervadoo is a P2P SDK integration to reduce your video streaming costs by up to 90% and reduce re-buffering for the users. It supports all major players like Clappr, Media Element, Hls.js, JW player, Fluid Player, Plyr, Dplayer.
It supports both streaming protocols HLS and DASH
Peervadoo is powered by WebRTC which redistributes the load on users to reduce the server costs and to improve scalability.
Thousands of video developers use Peervadoo’s scalable P2P video solution powered by WebRTC to deliver high-quality video content. You can stream the video at a very low bandwidth cost.
WebRTC first
Peervadoo’s plug-and-play SDK allows video developers to build scalable VOD websites, and live apps.
Limitless scalability
Quick setup
Robust architecture
Cheap
Reduce CDN by up to 50% in VOD & and up to 90% in live streaming
Compatibility
Peervadoo is compatible with all video players and supports formats like HLS & Dash
No geographical constraints
Deliver your videos to remote areas with poor coverage.
Safe & Secure
End-to-End encryption of data packets for safe usage.
Seamless Integration
Connect with all your video platforms in less than 30 mins.
Peervadoo lets users create seamless integration
Industry-leading analytics
Deep insights on Bandwidth consumption & QoS
Other features
Peervadoo also provides you with live support and an encrypted HLS stream. IT avoids repeating the download of TS files by supporting caches and it is very easy to integrate Peervadoo with existing JavaScript players.
Less than a 1 MB in SDK size, Peervadoo has efficient scheduling policies to enhance the performance of P2P streaming
HLS – .m3u8 manifest file. DASH – .mpd manifest file. Other video formats such as .mp4 are supported as well.
How do I setup?
To create an HLS/DASH stream, you need to convert your RTMP or mp4 video file to the right format
You can use services like: 1. Akamai 2. Wowza streaming cloud 3. AWS 4. FFmpeg
How do I integrate Peervadoo with my existing video streaming service?
Peervadoo is integrated with a broadcaster’s existing video solution by integrating a JavaScript file on the web page with the video player code. This client-side SDK creates a hybrid switcher that allows every user to consume the content in distributing the content with other peers watching the stream concurrently thereby bringing the edge closest to you. Our intelligent AI algorithm identifies the right set of peers based on location, network condition, bandwidth consumption, and various other features. The user experience will be significantly improved due to the fact that the content is being served from your neighboring house than from a CDN data-center present at a remote location.
How do I disable the Peervadoo P2P service?
You can disable our service from the dashboard.
What video streaming protocols and players does Peervadoo support?
Peervadoo currently supports HLS and MPEG Dash streaming protocols. We also support JW Player, Video.js, Shaka, Dplayer, Media Element js, Flow, Kaltura, Brightcove, Theo, and Clappr players.
Does Peervadoo work on mobile devices?
Yes. Mobile devices can use the service.
How secure is the Peervadoo service?
Peervadoo uses the WebRTC data channel to transfer data between users. The data channel is secured using SCTP protocols and TLS encryption. Communication with the Peervadoo backend is done via secure WebSocket, which also uses encryption.
Peervadoo is DRM and streams encryption agnostic since the segments sent between users are the same as the segments that users receive from the edge server.
Peervadoo is designed for developers as it has built-in integrations for all use cases of video developers. For live and OTT platforms it has scalable video apps at a significantly low cost.
If you have online courses to sell then you can easily reach all remote areas with significantly low bandwidth making it easy for you to teach online. It also offers users a scalable social video experience for a wide range of users with variable bandwidth
A proficient SEO tool helps you to find related keywords, trending searches, popular questions, content ideas, etc. to analyze your content and your suggestions to meet SEO guidelines. You can also be able to track your website ranking through ‘Rank Tracking’, which gives you an accurate insight into how well your website is doing.
You can also filter a long list of keywords in different intents such as Informational, Navigational, and Transactional keywords for your marketing.
BiQ is one of the most dynamic SEO software. In this review, we will analyze how BiQ covers all these functions mentioned above and more.
Currently, more than a million users are using the BiQ premium plan, one of its most affordable plans. This plan, however, stands apart because you only pay for the features you use.
BiQ is an SEO suite that allows users to perform keyword research, AI-guided content analysis, rank tracking, and monitor your overall website progress.
It has become one of the most popular SEO tools for marketers, entrepreneurs, and bloggers. Its primary function is to find profitable keywords and improve your website’s rank position on various search engines.
This will help you outgrow your competitors as it comes packed with more than 50 SEO features. The best part is that you only pay for the features you use.
BiQ – Features
Keyword Intelligence
Effective keyword research can make all the difference between you and your competition as it is a very important skill for digital marketers and bloggers. Not only do you need a list of keywords to help you with SEO, but you also need to know what phrases to use while writing on a particular topic. Hence, it is crucial to do keyword research before writing content in order to turn casual fans into potential customers.
BiQ Keyword Intelligence dashboard
BiQ’s keyword intelligence provides you with
Related keywords
Content ideas
Popular questions
Trending searches
Keyword metrics
Content Intelligence
Whether you’re a beginner in content marketing or a professional, it never hurts to revisit your content strategy plan and make sure it’s innovative, updated, and most importantly, it must be relevant to your audience and Google.
BiQ’s artificial intelligence-guided content optimization helps you understand your customer’s behavior and intentions better. Advanced line-by-line analysis, sentiment analysis, and readability rater will help you streamline your content for your audience and marketing strategy.
Content intelligence will basically guide you in the sections of your content that need improvement. Adhering to BiQ’s guidelines and suggestions will make your content SEO optimized and rank well on search engines.
Rank Intelligence
Rank intelligence is the only real-time Search Engine Result Page (SERP) tool. This means that with BiQ you can find out precisely which keywords you rank for, including hidden keywords you had no idea about. You can do all this with the click of a button.
Finding out keyword opportunities that your pages are ranked for is the first step to measure your website’s progress and SEO success.
BiQ Ranking Intelligence dashboard
With Rank intelligence, you can
Discover your ranking
Reveal your hidden ranking potential
Receive accurate ranking & traffic reports
Identify featured snippet opportunities of your website
Rank Tracking
Powerful rank tracking modules give you all the data about your website’s performance on the internet. With rank intelligence, you can uncover the keywords responsible for your website rank, and with the rank tracking feature, you can track all these keywords throughout out your website and optimize them to boost your website ranking.
BiQ LiveKeyword Extension
BiQ’s LiveKeyword Extension shows you keyword suggestions with their search volume, competition, and cost per click, free of cost.
If you decide to choose BiQ as your primary SEO tool, you are bound to save a huge amount of money as BiQ is the only tool that has flexible usage plans.
If you are a freelance blogger or a small business looking to grow its website organically then this is for you. You simply don’t need to pay for the features you don’t use.
BiQ promises its users to control their SEO costs by letting them pay for only the features they need instead of paying for the entire package.
There are so many programming languages these days that deciding which one to start with is a daunting task. However, if your goal is to master the language and earn good money with your skills, then you are at the right place.
Even though there are a lot of programming languages out there, not all of them are useful or pay good money. So it is important to know which languages are on-demand in order to bag the highest paying jobs.
These programming languages are in demand and will remain so at least for a few decades.
Here is the list of languages that are the most relevant in 2021…
One of the highest paying programming languages in the world is Go. You can easily earn well above $100k per year if you learn this language as it is highly efficient and in demand.
Go programming language
Go was developed by Google in the year 2009 which makes it a modern, open-source programming language.
What’s more, you don’t need to spend a single dime to start learning to Go. Many tech giants like Google use Go as it offers some of the best programming features like parallel processing, multi-threaded tasks, fast start-up times, and computer memory usage efficiency.
Another powerful language on the list, Scala also provides you with high-paying job opportunities. Scala has one of the best support for object-oriented and functional programming. It provides more than $75k yearly salaries to developers.
As it is a language that constantly evolves with time, it is likely that it won’t be going anywhere for the next few decades. It is a multi-paradigm programming language, which means that you can easily switch to Scala without major issues. It offers static types that help programmers to avoid bugs in advanced development and complex programming.
It also has great support for JavaScript and JVM runtime environments that help you build high-performance systems. Scala plays a crucial role in big data and machine learning and offers a huge library to perform plenty of operations.
Ruby on Rails
Ruby on Rails is another globally popular programming language that is mainly used to develop web applications. Ruby works on the backend of many popular web applications around the world.
Ruby programming language
Ruby is easy to learn and pays good money especially if you’re a complete beginner. It is relatively easy to create compelling programs as it takes less development time than other programming languages making it a good starting point for developers.
Some key features of Ruby are:
Everything is an object
Provides modules for class hierarchy
Code development
Dynamic typing
Code quality
Objective – C
Objective – C is an improved and modified version of the C language by Apple inc. Since Apple is a trillion dollar organization, you might have an inkling as to how much you would be able to earn as a developer for iOS and Mac OS X. Compared to Google or Windows, iOS has more web apps than either of these companies, making Objective-C one of the highest paying languages for devs to learn.
Objective-C programming language
Even though it is widely sued to develop apps for the Apple ecosystem, it has huge competition from Swift language developers. Suffice to say, as long as Apple exists Objective – C will be high in demand.
Like Objective C was developed by Apple, C# was developed by Microsoft as the improved version of C programming. One of the highest paying languages it is used to develop apps for .NET frameworks.
C# programming language
These days, C# is widely used to create native apps for Microsoft platforms. It is also a general-purpose and object-oriented programming language that is used to create sophisticated algorithms and apps with ease.
You can develop web apps for desktops, web applications, and services. In addition, you can also develop games for PCs and consoles, and a lot more.
Python
The popularity of Python keeps increasing every year. It provides developers with great compatibility and integration features making it a powerful, simple, and user-friendly language.
With all these qualities, Python developers are undoubtedly one of the highest-paid developers there are. Python devs significantly earn more than C, C++, and Java developers while also giving modern languages fair competition.
Python programming language
Python’s major uses are data analysis, machine learning, mathematical calculations, web development, data science, task automation, and much more. It is one of the core programming languages used in Google, Reddit, YouTube, Dropbox, and Netflix.
And finally,
Kotlin
It is also a good-paying programming language for developers. Developed by JetBrains it has become the official programming language for Android app development.
Kotlin programming language
Compared to Java, Kotlin requires less code for app development and helps developers avoid common programming mistakes. Kotlin has been used by many companies like Square, and Google which are some of the best web application producing companies.
These languages will remain the highest paying languages for at least the next few decades. Since technology is growing at a rapid pace, there is always a lack of gifted programmers who can cope with the latest trends and technologies.
In other words, if you want to start meaning good money then you should start your career in programming or coding by learning any of the languages given above. Keep yourself updated with the latest programming practices to become the highest-paid programmer of developers.
