Tag: ✍️ Opinions

  • Agentic AI in Learning & Development: Transforming Workforce Capability

    This article has been contributed by Asma Shaikh – Co-founder & MD, Enthral.ai

    For enterprises today, the real challenge with workforce capability building is not simply that skills are becoming outdated; it is that employees are often not role-ready when they are needed. On average workers can expect 39% of their skills to be transformed or outdated between 2025 and 2030. The skills that empowered employees for yesterday’s success may not ensure tomorrow’s success. This makes it critical for L&D leaders to anticipate future capability needs and pushes L&D leaders to evolve from support to strategic growth drivers in fast-scale enterprises and startups. 

    For example, a sales hire may complete onboarding but still take months before they can confidently close deals, or a newly promoted manager who has completed leadership training yet struggles to prepare for performance conversations. A compliance officer may pass an e-learning module yet struggle to apply regulations for daily operations. These are not just learning gaps; they are role readiness gaps. 

    The business consequences of these readiness gaps are significant. In a recent McKinsey Learning Trends Perspective 2025, 39% of skill sets are expected to become outdated by 2030, yet 61% of organizations only plan their workforce strategy one year out. Organizations thus face productivity loss when employees take longer than expected to ramp up. Revenue is delayed when customer-facing teams are unable to operate at full capacity, and increased compliance and operational risks arise when employees understand the policy but do not effectively apply it in practice. For L&D leaders, the mandate is shifting from delivering skills to ensuring role readiness, where learning directly translates into performance and outcomes.

    Agentic AI: Powering role readiness and results

    For L&D leaders the challenge is no more about just delivering skills but about ensuring employees are role-ready and able to perform effectively in their jobs. Traditional skilling models often fail to deliver real-world impact. One-size-fits-all approach lacks context and engagement, even though the 70-20-10 model shows that the majority of learning occurs through on the job experience. Modern workforces prefer blended, interactive methods, and static e-learning cannot keep up with their pace. This is where Agentic AI solves the problem by mapping role requirements to individual capabilities and skill gaps, and guiding learners through context-specific learning paths. The process enables L&D leaders to achieve their goal of moving from measuring learning progress to delivering actual business results. According to Gartner, by 2028, more than 20% of digital workplace applications will use AI-driven personalization algorithms to generate adaptive experiences for the worker. Agentic AI enables employees to reach role readiness through ongoing real-time skill assessments and personalized learning paths, which combine microlearning content with AI coaches, gamified modules, and real-time simulations.

    The effect is impactful, and it goes beyond just completing training. Role readiness functions as an important factor that determines whether L&D leaders’ initiatives will transform into improved performance outcomes. Agentic AI makes role readiness possible at scale because learners do not just learn; they practice realistic scenarios perfectly and receive real-time data and actionable feedback that helps them develop immediate work readiness. The system produces faster employee onboarding, improved work accuracy, and better overall performance across positions, which traditional training methods fail to achieve.

    Agentic AI systems generate learning progress data and employee role competencies and readiness results, which help organizations understand their workforce better. The system allows L&D leaders to track training completion status but also shows which employees have acquired the necessary skills for their job functions. It maps role capabilities and role readiness outcomes. 

    In simple words, with AI Agents, L&D leaders no longer need to manually design complex training journeys but can just instantly and intelligently skill. By easily defining the role, whether it is a sales advisor or marketing strategist, the system auto-generates a tailored, performance-focused learning path to drive readiness and outcomes. This learning journey is built around the show me, try me, test me approach, where learners first undergo role-specific training, then are given the opportunity to practice through AI-powered coaching and simulations, and finally are tested through assessments, ensuring employees are not just trained but truly role-ready before they face real-world situations. This cycle makes readiness measurable, repeatable, and directly tied to real-world performance. 


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    Customization and Adaptive Learning at Scale

    Achieving Role Readiness at Scale
    Achieving Role Readiness at Scale

    Agentic AI’s greatest contribution lies in its ability to drive role readiness at scale. Thousands of employees across the globe can now follow personalized learning journeys that adapt dynamically as the role emerges or business priorities change. The focus is not just on completing courses but also on ensuring each employee acquires the skills and knowledge needed to perform their role effectively from the start. 

    Agentic AI exists to support learners in creating role readiness at an accelerated pace. The global workforce now accesses customized learning pathways, which adjust automatically when new roles appear or business goals change. The focus is not just on completing courses but also on ensuring each employee acquires the skills and knowledge that will help them succeed in future work roles.

    Content is delivered in ways that fit specific job roles and includes useful information through various methods like e-learning, live classes, hands-on practice, and simulations, ensuring each learner gets ready in the way they learn best. The training approach provides customized learning experiences that not only develop employee assurance but also reduce mistakes and shorten the time it takes for employees to reach full productivity.

    Despite the rise of AI features in LMS (Learning Management Systems) and LXP (Learning Experience Platforms), many L&D teams remain tied up with repetitive tasks, including course authoring, reminders, assessment tracking, and reporting. Agentic AI eliminates this bottleneck by automating end-to-end processes, from onboarding journeys and adaptive content creation to gamified nudges, real-time analytics dashboards, and offline-compatible delivery.

    Instead of manually piecing together programs, HR and L&D leaders can delegate to intelligent agents that generate new materials, manage administration, and deliver just-in-time learning support across devices. This frees teams to focus on strategic enablement rather than logistics, while learners benefit from an engaging, accessible experience that is available on any device and always accessible.

    Parting Thoughts 

    The implementation of Agentic AI establishes a learning system that goes beyond basic assistance to become a strategic tool for developing professional readiness. The system delivers personalized training through multiple learning approaches, which use data analytics to prepare employees for their work responsibilities at the exact moment they need them. Agentic AI stands out from standard AI systems because it tracks skill gaps and role readiness results and provides practical recommendations that connect learning activities directly to business goals and real-world performance expectations.

    The outcome is measurable, scalable, and strategically impactful, building a workforce that is not only equipped for today but also prepared for improvements in productivity and revenue growth and compliance achievement.


    AI in Everyday Life: Digital, Social & Healthcare Trends for 2025
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  • How a Typing Injury Led Me to Build a Dictation Tool That Professionals Love

    This article has been contributed by Rahul Bansal, Founder of Dictation Daddy, AI powered Dictation tool that understands your intent.

    The Breaking Point 

    The pain started in my arms last year, a dull ache that grew sharper with each keystroke. After spending nearly three years building products as an indie hacker, my body was sending me a clear message: the endless typing had to stop. What began as a personal health crisis would eventually transform into a product that doctors, lawyers, and professionals around the world now rely on daily. 

    The Search for a Solution 

    I tried everything: the built-in Mac dictation tool, various Chrome extensions, even the legendary Dragon Dictation. They all shared the same fundamental flaws. The accuracy was terrible, and sophisticated tools like Dragon came with hefty price tags and demanded hours of training. As someone dealing with arm pain, the last thing I wanted was to invest weeks teaching software to understand me. 

    Around this time, OpenAI released Whisper. Within days, I had cobbled together a basic Chrome extension that used Whisper for transcription. The results were remarkable. The accuracy was leagues better than anything I’d tried, and it required zero training. 

    Early Validation 

    I shared my crude prototype with a few friends. To my surprise, they started using it daily, integrating it into their workflows. Their excitement validated what I had suspected: this wasn’t just solving my problem. 

    Creating something people would actually want to use was challenging. Most people believe typing is simply faster than speaking. Convincing them to switch required more than just good transcription accuracy. The user experience had to be flawless. Any lag between speaking and seeing text would break the flow. I obsessed over milliseconds of latency, constantly asking myself: does this feel as natural as typing? 

    Beyond Basic Transcription

    Transcription accuracy was just the foundation. Real human speech is messy. We stumble over words, repeat ourselves, pepper our sentences with filler words. A raw transcript of natural speech is often painful to read. 

    I built in intelligent processing that goes far beyond basic transcription. The tool automatically removes filler words, detects and eliminates repetitions, and cleans up false starts. Grammar fixing happens in real-time. The tool intelligently corrects grammar without losing your voice or intent. It knows when you’re dictating a casual email versus a formal report and adjusts accordingly. Formatting is handled automatically too, recognizing lists, paragraph breaks, and properly capitalizing sentences. 

    Finding Early Product-Market Fit 

    My philosophy has always been to ship early and validate with real payments. I started creating YouTube videos demonstrating the tool. These weren’t polished marketing videos; they were authentic glimpses into how the product actually worked. 

    Emails started arriving from Dubai, from various European countries. Professionals were discovering my tool, reporting specific issues, requesting features, and asking how they could pay for it. A doctor in Germany explained how he needed to dictate patient notes. A lawyer in London described spending hours writing case briefs. 

    I added a payment link and started seeing transactions come through. People weren’t just trying the tool; they were committing to it, many purchasing lifetime deals. This early traction pushed me to take the product seriously. 

    Evolution and Growth 

    The product evolved beyond a simple Chrome extension. I developed desktop and mobile applications. One of the most requested features was custom vocabulary support. Doctors needed medical terms recognized correctly, lawyers had specific legal jargon. The AI gradually learns each user’s speaking style, improving accuracy the more it’s used. 

    Today, the tool serves a diverse professional community. Doctors use it to quickly capture patient consultations. Lawyers draft briefs at the speed of thought. Business professionals have replaced much of their typing with speaking, from composing emails to interacting with AI language models through voice. 

    What makes professionals stick with the tool is the polished output. They can speak naturally, with all the hesitations of normal speech, and receive clean, professional text that’s ready to send or publish. 

    Lessons Learned

    The journey taught me a fundamental lesson: solve problems you personally experience. When you’re your own primary user, every pain point is immediately obvious. The feedback loop is instantaneous. Building for some theoretical user persona means constantly guessing what they might want. Building for yourself means knowing exactly what needs to be fixed. 

    The Future of Dictation 

    The Evolution of Dictation
    The Evolution of Dictation

    The next generation of dictation tools won’t just transcribe what we say. They’ll understand intent, suggest completions, and learn our communication patterns. Imagine speaking a rough idea and watching as AI helps shape it into polished prose in real-time. We’ll shift from being creators to editors, approving and guiding rather than crafting from scratch. 

    Future interfaces will blend dictation with intelligent suggestion so seamlessly that the boundary between human thought and machine assistance will blur. The system will understand context and anticipate what you’re trying to communicate before you’ve fully articulated it. 

    My typing injury forced me to find a better way to work, but it also revealed an opportunity to help thousands of others. What started as a personal need has grown into a tool that helps professionals worldwide work more efficiently and comfortably. 

    The pain in my arms is gone now, but I rarely touch my keyboard for anything beyond quick edits. Speaking my thoughts feels more natural, more fluid, more human. And judging by the growing community of users who’ve made the same switch, I’m not alone in feeling that the future of productivity isn’t in typing faster, but in not typing at all.


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  • Rent Credit Scores: The Missing Link Between Tenancy and Homeownership in India

    This article has been contributed by Sarika Shetty, CEO and co-founder of RentenPe

    Every month, approximately 30% of India pay rent diligently, without fail. They
    have varied profiles – some are students, some new graduates while some are
    seasoned professionals with families. Rent, for them, is their biggest recurring
    expense. However, this expense has so far been seen only as an expense – that
    too, something that’s totally ignored by the financial ecosystem. While the banks,
    financial institutions and credit bureaus count credit card payments and loan
    repayments as a credit metric, rent payments are totally ignored. Hence, first-
    time borrowers or those without credit cards are at a disadvantage and are often
    without access to loans, including home loan. However, such a system is ripe for
    change. And there is an effort to give rent payment the recognition it deserves.

    Why Traditional Credit Systems Ignore Rental History

    The current credit system evaluates financial reliability based on credit card and
    loan repayments. A score, usually above 750, serves as a ticket to better loan
    offers and lower interest rates. However, there’s a significant drawback: rent
    payments are not categorized as a parameter. Rather, they are seen as
    operational expenses. So you might be paying a rent of INR 1 lakh per month or
    even INR 5 lakhs, that too consistently, it would still not be recognised as a credit
    parameter.

    Neither would your CIBIL score improve with every timely rent
    payment. This creates an unfair situation. A young professional who has wisely
    handled their biggest expense for years may still be considered ‘credit invisible’.
    When they seek a home loan, the evaluation will rely on limited parameters such
    as credit card usage, which unfairly punishes them for not having debt. What
    makes the situation worse is the informal nature of the Indian rental market.
    Many landlords accept full or part cash payments for rent or through unregulated
    bank transfers, preventing credit bureaus from gathering reliable information.

    There is no centralized and reliable data source tracking rent payments. This
    obscures a crucial part of the borrower’s story.

    How Can Rent Payments Build Financial Credibility?

    Imagine a scenario where your consistent rent payments enhance your financial
    profile. That is what the Rent Credit Score does. A Rent Credit Score is built by
    tracking the rent payment data of a tenant. When a tenant pays rent through a
    verified digital method or through a bank transfer, the transaction is recorded.
    This transaction is then counted as a parameter to build the Rent Credit Score. For
    renters, it provides a substantial, tangible motivation to uphold financial
    accountability.

    A strong Rent Credit Score can serve as a pathway to better
    financial offerings. A diligent tenant with a three-year rental history could be
    eligible for a mortgage with a lower down payment or a more favourable interest
    rate, turning the dream of owning a home into a reality much quicker. This would
    represent a significant change for millions of urban Indians, particularly young
    professionals and migrant workers, who often do not have a solid formal credit
    history.

    For this to realise its objective, it is necessary to partner with credit bureaus,
    digital payment services, and banks. For banks and lending organizations, this
    information provides a clearer and more detailed perspective on a borrower’s
    financial reliability. Consistent rent payments often act as a better indicator of a
    person’s cash flow management and long-term financial commitment than
    sporadic credit card usage. This enables financial institutions to offer loans with
    greater confidence to a wider array of applicants, minimizing risk and expanding
    their customer base. It’s a mutually beneficial scenario: tenants gain the
    opportunity for an improved financial future, while lenders enjoy a stronger and
    more varied borrower pool.


    RentenPe Introduces Groundbreaking Rent Credit Score
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    Global Precedents and India’s Opportunity

    Implementing Rent Credit Score in India
    Implementing Rent Credit Score in India

    While the Rent Credit Score is still a nascent concept in India, countries like the
    United States, Canada and the United Kingdom have already taken the lead in
    establishing rent reporting systems. In the US, various services collaborate with
    landlords to send rent payment data to major credit bureaus. Likewise, the UK has
    similar systems that enable tenants to enhance their credit history through their
    rent payments.

    These international examples provide a clear and effective model for India to adopt. Our country’s unique digital infrastructure gives us a significant edge. The widespread use of UPI and the Aadhaar-linked identity system creates
    the perfect foundation for a secure and uniform rent reporting system. There is
    potential for collaboration between the government and the private sector to
    formalize rent transactions and establish a verifiable data trail.

    It’s time for India to stop viewing rent as an invisible expense. By formalizing Rent
    Credit Scores, we are not just implementing a new metric; we are unlocking the
    financial potential of numerous individuals, turning a generation of responsible
    tenants into a new wave of proud homeowners. This is a vital step towards
    building a more equitable and financially inclusive India.


    25 Most Profitable Rental Business Ideas in India
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  • The Missing Piece: Why Chemical & Material Ecosystems will Decide India’s Semiconductor Future

    This article has been contibuted by Bharat Bafna, CEO & Co-founder, Ameya Perfomatt, Chairman TiECon Vadodara’25 & Vice-President, TiE Vadodara

    India has launched an ambitious $10B+ semiconductor mission to capture value in chip manufacturing and design, with major government incentives focused on fabs, design houses and packaging. This push mistakenly targets only the visible parts of the stack—fabs, foundries and fabless design—but risks overlooking a quieter, indispensable layer: the chemicals and materials ecosystem. From photoresists and etchants to high-purity gases and specialty polymers, these inputs determine yield, performance and cost.

    Without a domestic supply of these high-end materials, fabs will remain exposed to supply shocks, foreign pricing power and long lead times. The semiconductor story in India will be incomplete unless materials are deliberate part of the national strategy. This has been story Sector after sector, the visible parts which possibly policy makers are able to comprehend well are addressed by this Pro-Reforms, extremely Proactive Government & critical parts for the whole picture are essentially missed.

    Let’s understand the Semiconductor Value Chain beyond Chips

    A simplified semiconductor value chain runs from design and IP, through wafer fabrication, to assembly, testing and packaging. But tucked into wafer fabrication are hundreds of specialized consumables and materials: high-purity gases, ultra-pure chemicals, photoresists, developer solutions, CMP slurries, specialty adhesives, barrier films and advanced polymers. Each of these is formulated to exacting purity and contamination tolerances measured in parts per billion. Small chemical variations can cause catastrophic yield loss or reliability failures. In other words, fabs are the machine, but materials are the fuel and lubricants that decide whether that machine runs efficiently. Building reliable, high-quality materials Eco-System is therefore as critical as building the fabs themselves.

    The Global Reality Check

    Leading semiconductor nations—Taiwan, Korea, Japan and the United States—didn’t just build fabs; they nurtured domestic chemical and materials ecosystems over decades. Japanese and Korean suppliers dominate high-end photoresists, CMP slurries and specialty gases; U.S. firms lead in advanced process chemicals and packaging materials. As a result, these countries insulated their fabs from geopolitical disruptions and captured upstream value. By contrast, India today remains heavily import-dependent in any chemical sector, I still recall when Modi Govt took charge in 1st term, how they emphasised on API production in India.

    The dependence on critical missing parts in overall supply chain for any product creates risks: sudden export controls, freight bottlenecks, currency swings and premium pricing. For an industry that prizes predictable yields and just-in-time supply, a fragile external supply chain isn’t just inconvenient—it can stall entire fabs and increase the cost of domestic chip production dramatically.

    Why Chemicals & Materials are the Missing Piece

    Semiconductor fabs operate at microscopic tolerances; contamination at trace levels destroys dies and ruins wafer lots worth millions. Meeting these demands requires precision chemistry, ultra-clean manufacturing, and rigorous quality assurance—capabilities that sit at the intersection of chemical engineering and advanced materials science. India’s specialty chemicals sector is large but there are no visible investments in foreseeable future in semiconductor-grade formulations and ultra-high-purity processes. The opportunity is twofold: India can upgrade existing chemical supply chains to semiconductor tolerances, and it can innovate in adjacent niches such as greener solvents and recyclable resist systems. Leveraging India’s deep talent pool in chemistry.

    Building the Ecosystem: What Needs to Happen

    Building a Resilient Materials Ecosystem
    Building a Resilient Materials Ecosystem

    Creating a resilient materials ecosystem requires huge policy push, capital and coordinated industry action. First, policy incentives must broaden beyond fabs: expand PLI to include specialty chemical manufacturers, surface-engineering firms and gas purification units for Fabs—providing capex support & tax benefits. In phase II, industry–academia collaboration is essential: create joint labs, fellowship programs and test-beds where universities, research institutes and companies co-develop formulations and contamination control techniques. 

    Third, startups and corporates must form R&D pipelines—small, agile ventures developing novel chemistries with established firms providing scale and market access. Dedicated seed funding, matched grants and incubation programs will accelerate commercialization. Fourth, set national quality and contamination standards aligned with international semiconductor norms to make Indian materials plug-and-play for global fabs. Fifth, promote global partnerships and technology transfer—encourage captive joint ventures and licensing agreements with established players to bridge near-term capability gaps. Finally, Govt’s to create shared infrastructure, analytical labs, and certification centers—so new entrants can validate product purity without prohibitive upfront investment. Together, these actions reduce supply risk, build domestic capability and unlock downstream value capture for India’s semiconductor ambitions.

    Role of Indian Entrepreneurs & Startups

    For entrepreneurs, the materials gap is a huge white space. Startups can move fast on specialized niches. These focused innovations can achieve product-market fit quicker than trying to replicate entire global suppliers. Corporate partners bring scale, regulatory experience and glazed client relationships; startups bring experimentation and R&D agility. Ameya Perfomatt’s journey exemplifies how a focused materials firm can serve broad industry needs—today serving roughly 70% of Indian industrial segments—highlighting the potential for similar firms targeting semiconductor grade requirements. With targeted support entrepreneurs can build supply chains that turn India from an importer to a reliable domestic source.

    Looking Ahead: India’s Opportunity Window

    Semiconductors are one of the Country’s strategic economic opportunity for 2030 and beyond—but chips without the materials that make them reliable are an incomplete story. The current global re-ordering of supply chains gives India a narrow window to build upstream capabilities while demand grows, which the policymakers cannot afford to miss, which will allow India can capture a larger share of the semiconductor value chain—moving from assembly and design toward true end-to-end capability. This would reduce import vulnerability, create high-skilled manufacturing jobs, and keep more value inside the country as its domestic fabs scale.

    Chemicals and materials are the invisible backbone of any semiconductor ecosystem; they decide whether fabs deliver the promised yields and quality. India’s $10B+ mission is a powerful start, but to realize its full potential it must pair fab incentives with deliberate investments in material science, specialty manufacturing and standards. Policymakers, universities and entrepreneurs must seize these opportunities. Together, India can build a full-stack semiconductor ecosystem—that turn ambition into production and leadership. This is the need in each and every segment where India’s supply chain has major gaps & depends for those gaps to be filled perennially on imports & hence is vulnerable.


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  • The Psychology of Gifting: Boosting Employee Morale Before the Holiday Rush

    This article has been contributed by Vikrant Kaushal, Chief People Officer, Consortium Gifts

    As holidays loom near, the workplace is typically characterized by extra stress, busy deadlines, and overtime. During such crunch moments, present-giving is a powerful means of boosting morale and easing the burden of workers. Present-giving in the mode of material goods, bonus, or even just symbols of gratitude has the capability to communicate to workers that diligent work does not go unnoticed and is valued. Research as well as professional views indicate that timely, quality presents not only lift spirits but also return dividends in the form of enhanced performance as well as loyalty. 

    Why Gifting Is Important During High-Stress Periods

    The holiday season is a fun but stressful period for the majority of employees, both mentally and economically. Year-end corporate goals, outings with family or friends, and spending (presents, vacations, etc.) overwhelm employees. That is, when the leaders show recognition of the festive stress and provide assistance or presents, it shows understanding and concern precisely when the employees need it the most. In-season gifting in the workplace isn’t only a nice-to-have, it’s becoming more of a critical component of company culture. Employees (wittingly or unwittingly) tend to view the holiday season as “a time when [employers] care.” A considered gift or perk during this time can make all the difference to engagement and morale, for the better if executed well (and possibly worse if it falls short).

    From Morale to Motivation: Influence on Engagement and Team Affinity

    Gratitude in the spirit of gift goes beyond fleeting joy, motivating actual gains in motivation, participation, and team morale. Appreciation also increases commitment and loyalty because gifts are expressions of genuine concern and care, developing emotional connections that foster commitment, reduce turnover, and create long-term loyalty. In a group environment, the practice of gift giving brings about appreciation and concern, for appreciation strengthens cohesiveness, good feelings win out, and job satisfaction is increased. Over time, behavior transforms relationships at work, building stronger ties between workers and linking them to the larger cause of the organization.


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    Timing Is Everything: The Power of Pre-Holiday Gifting

    When Should Holiday Gifts be Given to Employees
    When Should Holiday Gifts be Given to Employees

    Pre- or early-season promotions (late November through early December) work best in terms of timing for holiday presents, with the process of pre-holiday gift giving providing a morale boost when employees most need it, propelling them into a high-stress period feeling appreciated, encouraged, and nurtured. Early recognition also prevents burnout by minimizing tension and offering concrete relief, bonuses, gift cards, or wellness packages, when finances and emotional needs are highest. It reconfirms commitment by showing that leadership cares about employees’ work now, not after the fact, and provides concrete payoffs because gifts are enjoyed over the holidays rather than afterwards. Also, early-gift holidays are a break from the late-December flood, which makes the gesture appear more intentional and thoughtful. Briefly, thoughtful timing makes the holiday worker gifts’ effectiveness, utility, and authenticity maximum.

    Practical Holiday Gift Suggestions for Symbolic Budget-Friendly Gift Giving

    HR managers and executives can select gift options for employees without stretching the firm’s budget too thin by emphasizing originality and creativity over price. Individualized gestures, such as a heartfelt message or small significant item, are more significant than expensive but empty gestures. Customizing gifts according to interest, providing options, or adding genuine remarks is more meaningful as an appreciation gesture. Non-monetary incentives, including additional days off, flexible hours, team lunches, or public praise, are as effective at less expense with team-building value. Be inclusive, not gifts tied to specific religions or extremely personal items, but rather choose a neutral, please-everyone indulgence that excludes no one.

    Conclusion

    Gift-giving at the corporate level is more than just a holiday ritual, well done, it’s a psychology-based tactic that can inspire your employees when they need to be inspired, build morale, foster bonds, and deepen relationships. Through the application of principles such as reciprocity, thanks, and social bonding, and with attention to the timing and thought given to gift presentation, HR executives and managers may apply gift-giving in order to increase employee motivation and have a more committed, loyal work force. And, no less important, this does not have to involve a big expenditure. 

    A sincere “we appreciate you” gesture uttered at the correct time and in the correct place is worth its weight in gold because it has the ability to make employees feel valued and satisfied at the workplace. If the employees just happen to feel pampered and valued at the beginning of the Diwali season, it is more likely that they will reciprocate and the working atmosphere will all the better for it with positivity, unity, and productivity intact as a unit. Lastly, the festive season goodies are only the tip of the iceberg; the most you can do for your staff is foster an atmosphere of genuine appreciation.


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  • Digital and AI as a Guardrail for Start-Up Investors

    This article has been contributed by CA Sujatha G

    Coined by Reid Hoffman (LinkedIn’s co-founder) and Chris Yeh, blitzscaling is a high-speed growth strategy described in their book Blitzscaling: The Lightning-Fast Path to Building Massively Valuable Companies. The term refers to prioritizing speed of growth over efficiency, even at the cost of higher risks and inefficiencies in the short term. With the right ingredients—huge markets, powerful network effects, and flawless execution—blitzscaling can transform ambitious startups into industry giants. But it is inherently high-risk, high-reward. Startups that attempt blitzscaling without product–market fit, governance discipline, or sufficient capital often reach a dead end, leaving behind cautionary lessons for both entrepreneurs and investors.

    History offers many such cautionary tales like Theranos and WeWork to Indian examples such as Stayzilla, TinyOwl, and Byjus.  

    Investor Requirements From Start-Ups

    Startups thrive on an ecosystem of trust — with investors, customers, employees, and vendors. When investors back a start-up, they’re betting on growth founded on trust. Transparency, therefore, is not a regulatory burden but the foundation upon which lasting investor relationships are built. The industry is strewn with examples of failed start-ups caused by a combination of blitzscaling and lack of transparency. The collapse of WeWork is an example of how absence of transparency across operations, finance, and governance can turn a promising enterprise into a cautionary tale. 

    Investors typically look at three dimensions of transparency

    • Operational Transparency: It requires start-ups to provide a clear view of their unit economics, customer acquisition costs, per customer cost, and true picture of the larger market sold to the investors. While dashboards and management information systems have been used, investors often cannot rely on the curated narratives, and must find ways to track the real time performance of the company.
    • Financial transparency:  Investors expect accounts that comply with accepted standards such as GAAP or IFRS, not creative accounting designed to obscure the truth. Traditional reporting systems obscure more insightful SLA’s like cash burn, profitability timelines, and risky liabilities.

    In contrast, in its IPO filings, WeWork offered a textbook case of financial opacity. Instead of presenting its losses plainly, the company relied on “Community Adjusted EBITDA” — a bespoke metric that excluded major expenses such as rent, sales, and marketing. This metric painted a distorted picture of profitability. Furthermore, WeWork had not adequately disclosed its massive lease obligations until those details were forced into the open by regulatory requirements during the IPO process. Once the real numbers started emerging, investor trust collapsed, and with it, WeWork’s $47 billion valuation.

    • Governance Transparency: Governance transparency addresses how decisions are made and who is accountable. It requires clarity on the balance of power between founders and boards, full disclosure of related-party transactions, and adherence to fiduciary duties, and strict adherence to statutory prohibitions called for by company law or other statutes. Independent audits and compliance reviews reinforce this transparency.

    Here too, WeWork failed dramatically. CEO Adam Neumann engaged leased out personally owned buildings to WeWork. WeWork, even paid its founder and CEO, Adam Neumann, $5.9 million for the trademark rights to the word “We” in 2019, exposing glaring governance deficiencies. Combined with his super-voting shares, which concentrated control in his hands, these actions created a situation that undermined investor faith. It provided the right climate where conflicts of interest and unrestricted founder ambitions superseded fiduciary responsibility.

    Other Examples of Governance & Transparency Failures

    The collapse of WeWork is not the only example. The landscape is filled with more such examples.

    • Lack of transparency: Stayzilla began with a bold vision to create an “Airbnb for India” by connecting travelers with unique homestays across the country. Founded in 2005, the company expanded rapidly, boasting thousands of listings across tier-2 and tier-3 cities where global players had little reach. Investors, including Matrix Partners and Nexus Venture Partners, poured in millions to fuel its growth. Yet, by 2017, Stayzilla had collapsed, its co-founder arrested in a highly publicized vendor dispute. At the heart of this downfall was not just a flawed business model but a deeper issue: a lack of transparency in operations, finances, and governance that eroded trust.

    Financial opacity played an even greater role in Stayzilla’s downfall. Despite raising over $30 million, the company struggled with unsustainable cash burn, vendor debts, and inconsistent revenue flows. Instead of openly reporting liabilities and negotiating settlements with vendors, Stayzilla delayed payments and allowed debts to accumulate. One of its vendors, Jigsaw claimed that Stayzilla owed them around Rs 1.7 crore for advertising and marketing services provided, while the company argued that many of Jigsaw’s charges were inflated,

    The dispute escalated into criminal proceedings against the founders. Had Stayzilla maintained transparent accounts and proactively disclosed its financial stress to both investors and vendors, it might have secured structured workouts or bridge funding. Instead, opacity destroyed trust and pushed partners into adversarial positions.

    Once celebrated as the world’s most valuable edtech startup, Byju’s has become a case study for how lack of governance standards can drag down unicorn startups from the stratosphere to the ground. Its collapse didn’t stem from a single failure but from layered opacity in financial disclosures, accounting practices, and fund management—revealing a culture of misreporting, delayed filings, and questionable fund transfers.

    • Questionable Accounting Practices: Business today reported in its news article in October, 2023 titled “BYJU’s to file FY22 financials after more than a year’s delay”, that the start-up had used non-standard approach to capitalization of employee-related costs. Analysts pointed out that recording 60% of employee costs as capital expenditure instead of operational expense significantly understated losses had these costs been recognized correctly, FY2021 losses would have exceeded INR 5,000 crore.

    Economic Times also reported in its article “Byju’s audited revenue may be lower than projected by edtech unicorn”in September 2022 about Byju’s adoption of the revised Indian Accounting Standard (Ind-AS 115) to change its accounting practices for revenue from multi-year streaming contracts. This change required the company to recognize revenue over the period of service, rather than upfront when the contract was signed, which resulted in a significantly lower reported income for that fiscal year. 

    Prior to the change, Byju’s recognized the entire revenue from multi-year contracts at the beginning of the contract period, even though the service would be delivered over several years. This practice inflated the company’s revenue and profits in the short term, giving the appearance of rapid growth and attracting investors

    • Opaque or Oblique Unit Metrics : TinyOwl is an example of another issue – Hiding uncomfortable financials in creative metrics. 

    TinyOwl scaled rapidly by offering heavy discounts and subsidized deliveries, but it failed to disclose its unit economics — the cost of acquiring and retaining a customer versus the revenue per order. Times of India in its article ‘Rise and Fall of TinyOwl: paraphrases the lessons that startup founder Saurab Goyal learnt’ on how their fleet of 1000 delivery boys was not needed for the market they were required to serve. Internally, the company struggled with negative margins per transaction. This financial opaqueness meant that problems were noticed too late. 

    WeWork offered a textbook case of financial opacity. Instead of presenting its losses plainly, the company relied on “Community Adjusted EBITDA” — a bespoke metric that excluded major expenses such as rent, sales, and marketing.


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    Mechanisms to Strengthen Financial Governance in Startups

    The spectacular collapse of WeWork underscored how weak governance, opaque financial reporting, and unchecked expansion can erode investor trust. Digital tools and technology-driven mechanisms can bridge the information and insight gap, create transparency, strengthen compliance, and enforce financial diligence. These technologies serve as guardrails, ensuring that enthusiasm for growth is grounded in accountability.

    • Cloud-Based Accounting and ERP Systems: One of the central failures at WeWork was the lack of transparent, standardized financial reporting. Today, cloud-based accounting platforms such as Zoho Books, QuickBooks Online, and NetSuite ERP allow investors and boards to access real-time financial statements, expense tracking, and cash-flow forecasts. An article by Pierrick Ribes in The Entrepreneur, Middle East Edition titled “Why Startups Are Investing in ERP Systems Earlier than Ever”, captures the essence of this shifting winds. The article sums up the new trajectory with this paragraph quoted from the article

    “For startups, these capabilities are game-changing. By analyzing both historical and real-time data, ERP systems allow companies to anticipate trends, forecast market shifts, and better understand customer behavior. Predictive analytics further enable startups to optimize operations by streamlining resource planning, improving demand forecasting, and even implementing proactive maintenance strategies to avoid costly disruptions. Additionally, AI-powered dashboards provide decision-makers with real-time metrics, empowering them to make faster, more informed choices that drive growth and operational efficiency.”

    Automated Investor Reporting
    Automated Investor Reporting
    • Investor Dashboards and Data Rooms: Investors now demand automated reporting dashboards integrated with a start-up’s operations. Tools like Carta, Visible, and AngelList Stack allow start-ups to maintain investor portals where performance metrics, cap tables, and compliance updates are visible in real time. For example, Peak XV Partners, formerly known as Sequoia Capital India uses its own Sequoia Surge platform, which requires portfolio start-ups to submit structured MIS reports via digital dashboards. This ensures red flags (like unsustainable burn rates) are spotted early.
    • Contract and Lease Management Systems: WeWork’s business model collapsed partly because it under-disclosed massive lease liabilities. Today, start-ups managing real estate or long-term commitments are expected to use contract management platforms (e.g., Icertis, Ironclad or Zoho Contract Lifecycle management) that track obligations digitally and link them to accounting systems. Real estate firms backed by PE funds now use AI-powered lease management software to ensure all liabilities are logged, visible, and linked to financial forecasting models.
    • AI-Powered Compliance Monitoring: Corporate governance lapses like Adam Neumann’s self-dealing would be far harder to conceal today. Governance, Risk, and Compliance (GRC) platforms such as Diligent, MetricStream, and ComplyAdvantage automatically track related-party transactions, board resolutions, and conflict-of-interest disclosures. In the financial services sector, RegTech solutions flag unusual payments or self-dealing transactions in real time, creating automatic audit trails.
    • Predictive Analytics and Scenario Planning: Investors now use financial analysis tools (e.g., Fathom, Cube, Mosaic Finance) that ingest live financial data and run stress-test scenarios, and some have added some AI modules as well. If WeWork’s liabilities and burn rate had been run through such models, the fragility of its business would have been obvious much earlier. Growth-stage funds in the U.S. mandate quarterly scenario modeling to test how start-ups would survive under downturn conditions — something WeWork never prepared for.

    Conclusion

    The collapse of WeWork and others shows that opacity in operations, finance, and governance can be fatal even for billion-dollar “unicorns.” Today, investors increasingly mandate the adoption of cloud accounting, investor dashboards, AI compliance systems, and predictive analytics to ensure startups remain transparent and accountable. While technology cannot eliminate all risk, it creates the digital guardrails that make another WeWork-style implosion far less likely.


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  • How a Cow-Centric Economy Brings Stability and Growth for Bharat

    This article has been contributed by Dr. Arjun Sharma, Founder and CEO, Gomini

    If there is one sector that has quietly held Bharat together through centuries of upheavals, it is agriculture. In FY25, the sector’s share of the gross domestic product (GDP) was 17.9%. While the agriculture sector is not immune to hardship, it offers continuity, especially with sustainable practices. This resilience becomes even stronger when cows are placed at the heart of the system. Indigenous breeds do not just produce milk. They provide compost, bio-fertilizers, natural pest repellents, biogas, and wellness products through the age-old science of panchgavya. Such diversity of output cushions farming families against uncertainty, and that is why a cow-centric model is an economic safety net for the future.

    Rethinking What “Growth” in Farming Should Mean

    For years, success in agriculture has been defined by how much is produced rather than by what is produced and at what cost. More acres under chemical crops, more liters of milk per cow, more tons of grain to sell cheaply—this obsession with volume has pushed farmers into cycles of debt and soil into exhaustion.

    Indigenous cows invite a rethinking of this approach. Breeds like Gir, Sahiwal, and Tharparkar may not yield the highest volumes of milk compared with exotic imports, but what they provide is richer, healthier, and sustainable. Their dung nourishes the land, their urine protects crops naturally, and their milk commands a premium in conscious markets. When farmers focus on quality through organic methods, they move away from a race-to-the-bottom model and toward products that carry cultural value and global appeal.

    This shift is not easy. It requires patience, investment in ethical care, and trust in traditional knowledge. The payoff, however, is significant: healthier soil, healthier families, and goods that stand out in a crowded market where consumers are weary of artificial uniformity. 


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    Where Technology Meets Ancient Wisdom

    A common misconception is that embracing indigenous farming means rejecting modern tools. The truth lies in the opposite direction. The future depends on how well tradition is married with technology.

    Consider small herds of hundred odd  indigenous cows in a village. On their own, they might not seem transformative. When combined with app-based health tracking, AI-assisted breeding support, or transparent record systems, they become engines of prosperity. Technology helps farmers reduce disease, monitor feed, and build trust with buyers who want to know where their food comes from. People can engage directly with farmers through digital platforms these days. Tradition provides the soul, while technology provides the structure.

    Villages as the New Hubs of Enterprise

    Empowering Communities Through Cow Centric Economy
    Empowering Communities Through Cow Centric Economy

    For a cow-centric economy to succeed, it cannot remain a top-down corporate exercise. Real transformation happens when communities themselves take ownership. Farmers must be seen not merely as cultivators but as entrepreneurs—or rather “panchpreneurs”—who run integrated units around indigenous cattle.

    This vision matters most in regions where young people migrate due to a lack of opportunity. A decentralized, cow-centric model offers them a chance to stay rooted, to earn with dignity, and to build prosperity at home. Community sheds, local processing units, and transparent digital tools can turn villages into small hubs of enterprise. Even government policies can play a significant role in situations like these.  When this happens, agriculture is no longer a last resort but a chosen profession that inspires pride and purpose.

    Policy Support: A Good Start, But Execution Matters

    Government programs like the Rashtriya Gokul Mission show that policymakers are aware of the importance of indigenous breeds. Subsidies, conservation efforts, and breed improvement schemes are all welcome. The real question is how consistently these policies are implemented on the ground. Farmers often face bureaucratic hurdles, corruption, or uneven rollouts that dilute the intended impact.

    The responsibility is twofold. The government must strengthen transparency and ensure that benefits actually reach small and marginal farmers. At the same time, entrepreneurs and private players must respect local ethos. This is not a sector for shortcuts or quick wins. It requires building pilots with farmer input, scaling slowly, and weathering inevitable challenges with patience. If leaders in this space build with integrity, it can endure for generations.

    Toward a Future Rooted in the Past

    The choice before Bharat is clear. It can either imitate industrial farming systems that have failed elsewhere, leaving behind ecological damage and broken communities, or it can draw from its own roots to build something more sustainable. A cow-centric economy offers not just stability but meaning. It ties communities back to the soil, to biodiversity, and to a culture that has always seen farming as more than a transaction.

    This is not nostalgia. It is pragmatism. Cows as asset multipliers, technology as an enabler, and communities as the center of change together form a model that can withstand economic storms and create livelihoods with dignity. Reviving Bharat’s agrarian roots in this way is not simply about agriculture. It is about reviving the soul of the nation itself.


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  • The Tier-2 Advantage: Why India’s Next GCC Boom Won’t Be in Bangalore or Hyderabad

    This article has been contributed By Aditya Joshi, Chief Operating Officer, SA Technologies

    For more than two decades now, the revolution of India’s Global Capability Centre (GCC) has really been anchored in tier-1 metros such as Bangalore, Hyderabad, Pune, Chennai, and the NCR. These metros now provide scale, support, and talent density needed for global enterprises and are rapidly evolving in the GCC model. It started off as a try at cost-cutting – but here it is today, as the driver for innovation, digital transformation, and global competitiveness. Affinity for resilience and sustainability among enterprises is now changing the narrative, but the next GCC boom will not be centered around Bangalore or Hyderabad. It will be tier-2 cities in India that make it flourish.

    Industry research reinforces this trend. More than 200 GCCs are now already operating in tier-2 cities and expanding at an 11 percent annual rate. What was once a mere share of 5 percent in 2019 has currently risen to around 7 percent and is expected to double in the coming years. There are over 1,700 GCCs in India, which is well above half the total in the world-hence, smaller cities in the country are fast turning into the next frontier for expansion. This change is not only due to the costs, but the creation of sustainable, innovation-led ecosystems. 

    Cost considerations heavily feature this option. A location in tier-2 areas decreases operational expenditure by up to 30 percent; rental itself would typically be half the price compared to the rental costs in the tier-1 metros. But the larger advantage lies in the untapped talent in these professional pools. Many of these professionals are trained in these areas and would rather remain local than move to sprawling metros, thus making them loyal and less likely to jump jobs. Less attrition means a more stable workforce, which adds continuity-an extremely precious asset for enterprises engaged in highly complex, long-term projects.

    The first signs of distress are now apparent in these original markets. Bangalore and Hyderabad are still important; however, increased congestion and more expensive housing and infrastructural bottlenecks have now forced global firms to rethink their dependence on these locations. The sustainability of the ecosystem becomes just as important as the initial cost advantage for companies reliant upon GCCs as strategic hubs of innovation and R&D. Hence it is not seeing tier-2 cities as a last resort; they now go on to become an integral part of the growth strategy.


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    Investing in smaller cities has requirements of foresight and patience. Companies should not expect the density of niche talent they will find in Bangalore or Pune; rather, they should invest in the ecosystems, engage the universities, and develop powerful skilling programs aimed at preparing for careers in artificial intelligence, cloud computing, and data science. By taking a medium- to long-term approach, organizations can create the talent pipeline that will match their needs.

    Most times, the best option is hybrid. Most companies still retain very complex or highly specialized functions in Tier 1 hubs, while shifting engineering, automation, and support functions to the tier-2 centers. Over the years, as the local ecosystems mature, higher-value functions can be brought back into the fold. This indeed ensures that an organization is touching immediate cost saving benefits without careening quality and ability. Investments in mentoring, leadership training, and global exposure for tier-2 employees can align outputs to that of-or even surpass-their peers in traditional hubs.

    Digital infrastructure smoothes this kind of development. A 5G deployment, a deepening penetration of broadband, and a decidedly unconventional normalcy of distributed work after the pandemic have been smoothing the transition of tier-2 zones into global workflows. An employee based in Indore, Kochi, or Bhubaneswar may now effortlessly conduct business with a group of global peers, including those in Bangalore or Hyderabad.

    Building Thriving City Ecosystems
    Building Thriving City Ecosystems

    Cities can never truly live up to their potential without putting increased effort into building up their ecosystems. This is where the government authorities now play an important role to quicken infrastructure projects, offer incentives, and bring educational outcomes in line with what is needed in the industry. Some states have already moved in this direction, launching targeted GCC policies with subsidized land and payroll incentives on offer to please the global investors. In fact, the Union Budget 2025 outlined by the Indian government even mentioned developing GCC ecosystems for smaller cities- solid proof of recognition of this shift on a national level.

    This is where the private sect comes in: deeper ties with academia, co-creating certification programs, and nurturing local startup ecosystems. Public-private partnership in skilling, research, and infrastructure will hasten the forward march and growth of tiered hubs. Creating livable cities will go hand in hand. A highly talented professional will by all means go away and stay only if he gets high-end healthcare, education, housing, and social infrastructure. Cities must be built to stay in rather than work in, not only for jobs but to keep them here.

    What is known is that the future is crystal clear. Bangalore and Hyderabad will remain strategically positioned, but the GCC story for India will not end there. Global enterprises today are eyeing cities like Indore, Coimbatore, Jaipur, Kochi, and Bhubaneswar. It is expected that by 2028, India will have more than 2,100 GCCs, and these tier-2 hubs will become the engine for growth in the sector.

    Those who should have taken the cake will benefit the most: guaranteed accessible talent, significant cost advantages, and infrastructural risks that are less than what is obtainable now. Such enterprises are furthering the cause for inclusive growth, that is, opportunities and wealth to be shared outside metros. At SA Technologies, we are experiencing this revolution firsthand. Today, the Tier-2 advantage is no longer an expectancy of a long-term future; it is, rather, a present-day reality. Those who start today will lead the next wave of innovation and growth in India.


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  • Integrating AI into Medical Curricula: Preparing Future Physicians for a Digital World

    This article has been contributed by Dr Vaishaly Bharambe, MBBS, MD, PhD-Anatomy Counsellor and Medical Educator. Founder: VB Anatomy Academy (YouTube channel)

    There has been a rapid rise in artificial intelligence (AI), and this is reshaping nearly everything in our modern life. So it goes without saying that medicine is not an exception to this. Across the world, healthcare systems are under immense pressure, the number of the patient load is increasing, the complexity of diseases as we begin to understand them have placed further demand for treatment, there is more demand for precision of care, there is tremendous amount of legal answerability, and the pressure on the medical world is immense. 

    Into this world, AI has come as a powerful friend and ally. In simple administration, it is able to take stock, it is able to note the number of patients visiting a hospital regularly, it is able to follow up on patients appointments, able to give hospital possible predictions of patient load, and so much else. It has also become an ally in the form of apps, where it is helping the clinicians to make decisions, which are often transforming their medical practice.

    So there is a dependency of the medical world on AI. Now, if this is the extent to which AI is involved in the medical treatment, running of hospitals and so on, then shouldn’t the medical student who is going to come out into this world after education, not be taught about this involvement of AI and the help of AI in the medical treatment?

    What is it they need to know about AI? The future physicians need to be taught how to use AI, to what extent AI is involved in the machines that they are using, and the ethics of utilizing the AI for decision making, while remembering that final answerability remains that of the treating doctor.

    How then can we prepare our future physicians for this digital world involving tremendous dependency on AI? 

    I think the start of integration of AI into the life of a physician can begin in the education period of the student itself. AI has become a powerful tool in any form of education today. More and more universities are using AI in various ways for education of students. So, the role of AI in the life of medical student should begin during the period of medical education. Today, AI is being used for personalized learning. For example, if a student is struggling with a subject, for example, say anatomy, the AI can become like a personal tutor, guiding that student towards simpler content, helping the student build up strength in the weaker areas, and then gradually placing before that student advanced concepts. This step-by-step guidance by the AI helps the learner cope with difficult subjects in a more gentle and tapered manner, helping them fill up the gaps in their understanding, building up concepts, and then reaching for more complex concepts. 

    AI is also capable of giving personalized feedback to the students. So, not only is AI capable of checking multiple choice questions that the student might have answered, but it is also capable of analysing longer, lengthy essays of students. So, for medical students who are buried under mountains of information, such guidance will become invaluable, especially because such personalized guidance is nearly impossible to get considering the number of medical students being trained on a daily basis all over the world and where the student to the trainer ratio is not enough to allow for such personalized feedback. 

    AI Enhanced Medical Training Funnel
    AI Enhanced Medical Training Funnel

    Not only does AI help the student learn, understand concepts, it is also of great use in providing safe environment for students to practice. It’s able to create virtual patient platforms, creating patient histories, setting questions for students and testing the students to take clinical decisions in the given scenarios that are being presented by the AI without really harming the real patients. Such repeated exposure to artificial scenarios presented by the AI builds confidence and helps the students explore their own understanding of the disease and patient presentation before actually encountering real patients, making them better prepared to be able to take correct decisions in the real life. 

    Having trained in theory as well as practical, the student must also understand that the world they step into involves AI being a part of important investigations. For example, in case of radiology, AI is intricately involved in analysing x-rays, CT scans, MRIs. While not replacing radiologist himself, AI helps access a patient, highlighting abnormalities quickly, accurately and consistently. The advantage of AI here lies in the fact that it is consistent and it does not have the human element of fatigue, therefore, a little more reliable at times. Where training is concerned, the AI can also be used to train the student in the interpretation of radiological images.


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    Similarly, in case of microscopy, say, be it histology or pathology, AI has become a powerful tool in reading and analysing these slides. During the training years, it can be used to sharpen the student’s observational skills by showing the student the slide explaining what to look for and why and in the clinical practice, it helps the pathologists zoom in on the abnormalities in the slide presented. Even in the field of pharmacology, AI is always available to calculate dosage as per the weight of the patient. Parallelly, it is also sometimes available on the patient in the form of monitors that patients attach on their body and through which they get the correct dosage of the drug at all times. 

    Thus, the world student steps into already has deep involvement of AI in the functioning of the physician. The future physician must be made aware of the help they will be receiving from the AI, guiding them towards correct decisions, functioning as a powerful assistant. However, it is at this time that it becomes important to point out that this AI will always remain only that, an assistant. 

    There will be times when despite AI’s recommendations, the physician’s instinct might guide the physician towards some other diagnosis. This is the point where the physician’s self-confidence and professional integrity will be greatly tested. It’s very easy for the physician to fall into the trap of believing that AI knows better, but the judgment has to be that of the treating physician only. That is something that will take courage. Over a period of time, it may also happen that excessive reliance on the AI will erode the ability to make correct judgment calls. This also is something every physician will have to guard against. 


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    Another challenge that the physicians will soon face is that with the presence of AI, all the information related to the patient will become very difficult to keep completely confidential. It is at this time that the physician must realize the necessity for them to have adequate digital fluency and knowledge to make sure that the patient confidentiality is not breached because of the excessive use and exposure to AI. So with this will come the burden of necessity to educate themselves well in the digital medium. 

    So I’d like to conclude by saying that AI is not going anywhere. 

    The AI can guide the future physician towards the possible diagnosis. There will be more and more dependency of clinicians on AI. Now it is up to the future physician themselves to take a call how much they wish to depend on AI and how much they wish to continue to take critical patient decisions by themselves based on their own clinical acumen using AI only as an assistant. But they mustn’t forget that the final word must always remain that of the treating physician himself. Legal, ethical, and professional accountability will also always remain theirs.


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  • Life After IPO: What Founders Need to Focus On

    This article has been contributed by Rajmohan Krishnan, Principal Founder and Managing Director, Entrust Family Office

    The ringing of the bell on listing day is one of the most significant moments in the life of a founder. All the sweat, toil and tears over the years have finally paid off, and the vision they started their entrepreneurial journey with is vindicated to a great extent. But here’s the big question: What comes next after the Initial Public Offering (IPO)?

    For many Indian founders today, going public isn’t just about making money, but about establishing a legacy that will endure beyond them. Hence at this time, founders need to shift their focus from building and scaling the business to ensuring that their hard-earned success translates into lasting wealth and impact. This article explores what founders should prioritize around an IPO, in order to achieve this end.

    Before the IPO vs After the IPO
    Before the IPO vs After the IPO

    Before the IPO: Set the Stage for What’s to Come

    Wealth & Liquidity Planning

    After a significant liquidity event like an IPO, the founder’s personal financial landscape changes overnight. However, the risk lies in viewing this liquidity as a final destination. Meticulous planning is needed at this stage, in order to ensure that the wealth is protected and grown.

    Founders need to thoughtfully structure their holdings: how much equity to keep, when and how to exit, and how to diversify across different asset classes. A solid tax strategy is also important, to avoid unexpected tax liabilities. 

    Building the Family Governance Framework

    An IPO is also a significant moment for the founder’s family – each family member has expectations from the newly gained wealth. With increased expectations and potential for conflicts, family governance becomes important.

    Founders need to consider setting up a family constitution, along with structures to ensure that their wealth is protected in alignment with their values. Governance frameworks can help in preparing family members for their responsibilities and avoid misunderstandings in the future.

    Setting the house in order

    Before the company goes public, founders need to take the time out to assess their financial landscape. The focus areas at this time need to be capital structuring, strategy for using the IPO proceeds and identifying risks to be addressed early on. 

    After the IPO: Liquidity to Legacy

    Crafting a Smart Portfolio

    Liquidity can result in unnecessary risk taking and opportunistic investments. But founders need to exercise discipline and build a professionally managed, well diversified portfolio that is aligned to their values and risk tolerance. This will enable their wealth to grow across generations, in accordance with their belief systems.

    Giving with Intention

    Philanthropy is often seen as something to think about later in life. But this is a good time to plan for meaningful giving. Founders can look at charitable trusts, foundations or impact funds that are aligned to their values.

    This will also set an example for future generations, making philanthropy a part of the family’s legacy.

    Preparing the Next Generation

    Preparing the Next Generation for Wealth
    Preparing the Next Generation for Wealth

    A significant challenge after an IPO involves getting the next generation ready to inherit. Sudden wealth can lead to a sense of being weighed down or of feeling entitled, both of which are avoidable. What is required is to instil a sense of stewardship, with the help of mentorship and structured guidance.

    Children need to be involved early on in conversations that make them understand the responsibilities related to wealth, so that they slowly grow into their roles rather than feeling overwhelmed. 

    Planning for the Future

    At this stage, estate and succession planning become very important. These are difficult topics to deal with in harmonious times, but avoiding them can lead to significant confusion and conflict in the future.

    Founders need to establish clear plans for inheritance and business succession and ensure that tax efficient structures are in place. This will help ensure a peaceful transition of wealth across generations, ensuring continuity and family harmony.

    Setting Up a Private Office

    Streamlining Wealth Management Post - IPO
    Streamlining Wealth Management Post – IPO

    Many founders come to realize that after going public, managing their wealth, philanthropy, family governance, and compliance can quickly turn into a full-time job. At this stage, establishing a private office or family office might make sense. This would ensure that the day to day management of wealth and legacy is taken care of, leaving the founder to focus on the bigger picture. 

    The Real Legacy Starts After the IPO

    An IPO is a very important milestone, but it is the beginning of a crucial journey. By planning carefully and setting structures in place in order to protect and nurture their wealth and legacy, founders can ensure that this moment of success creates something lasting and meaningful.


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