Thursday, July 16, 2015

Review || Zomato (Version 2)

Another year, another day, another review …
Writing a review after almost four years and many updates, I observe that zomato.com has now become the go-to place for millions of foodies, like me.
Looking back, all I can say is that Zomato has had quite an exciting journey:

1. Platform – The maintenance of both, the web and the mobile platform has required tremendous amount of work by the team (I assume). Additionally, Zomato has, in course of time, become the 5th most frequently used app in India, a stature that probably was unimaginable by the critics at one point of time (Source: http://yourstory.com/2014/12/popular-indian-apps-found/)

2. Growth –From a company perspective, Zomato has grown tremendously by acquisitions. Though the story started with Zomato expanding operations in Dubai, The Philippines, South Africa, etc., in course of time, they’ve adopted the strategy of growing by acquiring the players that have had a high volume of customers on the platform. The focus has been to target European markets and supposedly “smaller fish” to build a base of hundreds of thousands of customers before the “big fish” (Read: US!) could be attacked.
And then it happened! Zomato acquired UrbanSpoon and gained base in USA, Canada and Australia and brought the company in the game with other rivals such as Yelp, Zagat and OpenTable. It all sounded like, as it is called, “Roar of a lion!”

3. User Interface – The UI has seen so many changes that I’ve lost track – From reviews to ratings, from talking about yourself to replicating your social network on Zomato while tagging your friends, from being a foodie to a super foodie, from #zomatoshake to recommendations based on restaurants reviewed in the past by my friends or me, Zomato has come a long long way in making life more interactive, yet more engaging for customers. Mind you – Keeping things simple, interactive and engaging is a difficult thing to do!

4. Social Media Strategy – Their Facebook posts come once in a while but when they come, they create a storm that none can stop. The twitter handle gives you a feel of talking to an old pal. Their Pinterest page is phenomenal albeit very little activity. But, it’s the blog that steals the show!
Additionally, Zomato ends up earning a lot of #respect with the way they handle their themes (#FoodieFriday, India according to a Delhi Foodie, etc.), customer queries as well as the pot-shots that others take on them (Amazon-Zomato twitter war)

5. Customer Experience – No matter how hard I try, I don’t think that I can fully describe the sheer pleasure of using the Zomato app due to the customer experience. If you’re hungry and you don’t have home-made food, what do you do? You go for a dine-out or you get food delivered at home. Zomato has launched Zomato Order that caters to the food delivery business. If you thought that this would make the app heavy, don’t worry because it has been unbundled from the main (dine-out) app. If you think that the main app contains too much information in one go, considering they would like to highlight the home delivery service, take a look at the new 7th bday version of the Zomato app J
Thus, the state has become such that when you think of food, you think of Zomato. (Reminds me of, “Whenever you think color, think of us. Jensen & Nicholson.” :P)

6. Transport? If you wish to visit a restaurant for a dine-out and need a vehicle to do so, gone are the days of switching between apps and biting your fingernails because Zomato now has a tie-up with Uber to take care of this.

7. Reservation? Next, you want to book a table to ensure your experience doesn’t get spoilt? Tadaa! Here’s Zomato Book to help you.

8. Payments? Tapping in on the growing trend of going cashless, Zomato has introduced mobile payments (Zomato Cashless), through the app for its customers in Dubai (Feb 2015).
Regarding launching the service in India, the 2 step verification mandated by Reserve Bank of India forces companies like Zomato to either tie up with a mobile wallet, like Uber tied up with PayTM, or suspend such plans for now, something that Zomato is doing.

9. What if I have a restaurant of my own? Lastly, if you’re someone who is into the food business and want to leverage Zomato, they have something to offer to you too – Zomato for Business

I understand that my review comes across as a post by someone who’s trying to advertise the business but I’m not, I’m simply awestruck with the speed with which things are happening at Zomato and how Deepinder & Pankaj are taking every step without compromising the quality of their product. What is most important is that they do not shy away from understanding, accepting and fixing their mistakes – the Events section being a fitting example.

Lastly, a look at their timeline (just for the fun of it!) - 
 
           

Tuesday, March 31, 2015

Fiction || The Janitor

On hearing Savitri hum a song and cheerfully perform her daily chores Mrs. Britto, her mistress asked out of curiosity, "What is it Savitri? You seem very happy today!"
Savitri ecstatically responded, "My son is arriving today!" As an afterthought, she asked, "May I leave early today? I want to make his favorite dessert before he gets back home tonight."
"Absolutely!" responded Mrs Britto.
Sitting in the veranda of her cottage in Dehradun, while sipping her tea, she watched Savitri finish her cleaning work and hurry off to her home. As she slipped into a pensive mood, she recalled how she had met Savitri the first time.

Twenty-five years ago, when Mrs. Linda Britto had first set foot in India with her husband, Edward Britto, the couple had stayed at a hotel in Connaught Place, Delhi. Among one of the first people that Linda had met in India was Raheem, a janitor at the hotel the couple was staying at.

Mr. Edward Britto had a sister who was married to an Indian. After her children came off age, she moved to India with her husband. The first time Mr. Britto visited his sister and brother-in-law  in the small town of Saharanpur in Uttar Pradesh, he went for an excursion to Dehradun and Mussourie, and fell in love with those hills and woods so madly that he decided to relocate to India.

Mrs. Linda Britto was a shrewd English lady and totally disapproved of her husband's decision of relocating to India. Since they had no children, the excuses of raising children or planning for their future could not be used. She found the idea of moving to a 'retirement home' while being in her 40s quite outrageous. Nevertheless, Edward had his way and the couple landed in Delhi, all set to move to Dehradun.

The initial experiences of the couple weren't very encouraging - the staff at Air India was not as "courteous" as in British Airways, the taxi driver had duped them of a few hundred rupees and the hotel staff took quite a long time looking for their reservation. Despite all the initial hiccups, Edward ignored Linda's discomfort and remained firm on his decision. He decided to visit Dehradun alone in order to close the deal of a cottage there because he wasn't sure of her reaction. So he left for Dehradun on the day after the couple arrived in Delhi, leaving Linda behind to explore Delhi.

Since Linda wasn't very happy with the way things were going, she decided to spend her day at the hotel - shuttling between enjoying tea in her room and reading magazines in the hotel lobby. She continued this exercise for a couple of days and by the end of it, knew the faces and names of almost the entire staff of the hotel that she had met, except for one man - the janitor. Somehow, Linda remembered Raheem's face but not his name; to her, he was the janitor - someone whose name was not worth remembering? May be.

Finally, on the third day, Linda decided to explore the city. As she discussed the routes and locations to visit with the driver of the taxi she had called, she fiddled with all the maps she had while the excitement of exploration quickly slipped away. Just when she was about to cancel her plan because her driver was unable to converse in English, the janitor came in and helped her sort it all out. Raheem had just gotten off his duty and seeing the British guest struggle with the language, decided to offer some uncalled help. 
Knowing the city well, he planned an itinerary for Linda and instructed the taxi driver accordingly. Though Linda was thankful to Raheem, but being a snooty lady, continued to be skeptic about the city and its people.

After an exhausting day when Linda returned, she ran into trouble again as she accidentally hit a local who created a hue and cry to gather public attention and extort money out of the British guest. Luckily, Raheem had just arrived for his evening shift and seeing the lady in trouble again, stepped in and got Linda out of the mess. This time, however, Linda could not ignore Raheem's help and was morally compelled to express gratitude towards him. Being a rich British lady, she decided to reward the janitor for his help by offering him a tip. However, Raheem refused the same saying that he did not help her for any rewards and would've done the same thing had any other lady been in trouble. Linda was taken aback by his genuineness and sent a letter to the manager of the hotel appreciating the janitor. But Edward, who was back in town that evening and witnessed the entire episode, had a different plan.

Three days later, Raheem accompanied Mr & Mrs Britto to their cottage in Dehradun - Edward was impressed with Raheem's matter-of-fact attitude and had offered him a job of caretaker at his cottage; an offer that Raheem sagaciously accepted.
On that evening, twenty-five years ago, Linda first met Savitri, Raheem's wife. Though she was impressed to see a peaceful marriage between people belonging to the two biggest religions of India, she never expressed it to them.

A year after reaching Dehradun, when Savitri delivered her first child, a baby boy, Raheem named him Jahaan, meaning the world. Linda, however, had a special nickname for this boy - She called him "Janitor". 

Sunday, October 5, 2014

Review || Haider

After a long time, I saw a movie (Haider) that managed to motivate me enough to stop all other work and write down a review. So, here we go!

Story, Screenplay, Direction and Cinematography:
Toggling with two sensitive stories – William Shakespeare's "Hamlet" and the situation of Kashmir in 1995, Vishal Bhardwaj has tried to weave an intense story in a very simple manner.
The cinematography is beautiful. Barring a few shocks here and there, overall, the camera has been handled extremely well. In every scene, the emotions have been displayed precisely and in case they haven't turned out to be what you expected, blame it on the actor.
I won't spoil the plot here but some sequences in the film deserve a mention – Shahid's 'mic testing' in Lal Chowk, Tabu caressing her son during the climax, Kay Kay Menon's lust for power and love for Tabu, Kulbhushan Kharbanda's dialogue emphasizing that peace cannot be derived from vengeance and "An eye for an eye ends up leaving the whole world blind", Narendra Jha's recital of Faiz Ahmed Faiz's poetry, and the blood spilled sight of the snow – all the angles explored were beautiful in their own special ways. The dialogues and the references to words like inteqaam, bewa and chutzpa enhanced the treat.

What got missed in the film was the loose end related to Ashish Vidyarthi. Barring showing that it is Shraddha Kapoor's father who is an extremely high authority in police now, the entire sequence doesn't show much. Ok, in reality, there may have been an officer called Murthy who would've tried to control the situation but honestly, as a viewer, I'm not really interested in that. Besides, seeing Ashish Vidyarthi on the screen, an unintentional wish to see more of his scenes got created because he's a brilliant actor.

Some people had a misconception that this film shows the army and Kashmir in a poor light. However, firstly, I recommend that such people watch the film and then decide what is does rather than base their 'passionate' opinions on others' perspectives. Secondly, we must all be open to the possibility that some thing may have gone wrong at some point of time in Kashmir and/or the army. So, if the army is ok with accepting it, I think even we need to take it all with a pinch of salt. Nevertheless, the film ends with a message of peace and calm, a message of using your own sensibilities and not getting swayed in emotions surging within you due to incidents or others' provocation.

Music:
Since this is a Vishal Bhardwaj movie, a song by Sukhwinder Singh is obviously expected. Though "Bismil Bismil" is a great song and has become quite a hit, I feel "Aao Na Ki Jaan Gayi" is the song that steals the show. To add fuel to the fire, the way the song has been shot gives you goose bumps! Overall, the music is good but not as mesmerizing as an "O Saathi Re" running in the background (Omkara).

Cast:
I wonder what has Shahid Kapoor been doing all this time. The transitions and the display of emotions that he has shown in the film are amazing! When he wasn't awarded the Filmfare Award for Jab We Met, we could let that pass because Chak De India released and it was a tough fight. But if Shahid doesn't win an award for this film, the entire Bollywood fraternity, in my opinion, would desperately require psychiatric treatment.
Though its tough to choose between Irrfan Khan, Kay Kay Menon and the likes, Tabu clearly steals the show for her brilliant portrayal of a woman seeking happiness and attention, yet is uncompromising and willing to sacrifice anything to save her son.
Personally, I don't think Shraddha Kapoor was an accurate fit in the film. But then, it's a Shahid film and any girl who could be believed to be Kashmiri would've done the job provided she did not steal the thunder.

Overall, I think Haider is a great watch, actually, a must watch! The Vishal-Shahid combination reminds you of 'Kaminey' time and again and though I liked Kaminey more,  but this film has created a mark of its own. I'd say it's a 3.5/5 :)

Saturday, November 16, 2013

Fiction || Tamanna

Sitting on a bean bag in her balcony, soaking in the winter sunshine while sipping a cup of green tea, Tamanna told me all about her journey to success. Tamanna, which means 'wish', is a well-known name in Surat (Gujarat) today, as she's the most authentic "match-maker" available.

"Authentic match-maker?!" I wondered until I met some of her clients and heard them describe it all. Tamanna's matrimonial match-making company "Rishtaa" (meaning relationship) helps parents find the perfect match for their daughters. Yes, the match-making service is available ONLY for women. Strange!

Peeping at her LinkedIn profile, I observed that Tamanna was a topper at University of Delhi and has an MBA from the prestigious IIM Ahmedabad to her credit. Then how did she end up doing match-making in Surat?! More importantly, why?

Asking her all these questions, the first response that I got was a smile. And then, she opened up.

Tamanna was born in a middle-class conservative Punjabi family in Delhi. Brought up in the central Delhi area of Inderpuri, she was an average student and the aim of her life, and of everyone associated with her, was to get her married to her prince charming one day. 
As it is with middle-class conservative families, people around her were obsessed about how she looked & cooked, more than how she studied, as that would affect the kind of 'rishtaa' she would get. The prettier she is, the easier it'll be for her parents to find her a groom. As a result of this thought process, Tamanna was being groomed since her teenage. She was a pro in the kitchen and was regular with all the gossiping that generally house-wives do. In one line, she was brought up in such a manner that she was prepared for a future revolving around her marriage, and she was totally cool with it.

When Tamanna's friends at school mocked her for not studying and for being a brat, for the first time in her life, she took things to her ego and ensured that she studied well in her Grade 12 exams so that she could get admission in a "good college" at University of Delhi.
"Thank God those girls at school almost bullied me for I wouldn't have been here today," she smiles in reminiscence.
With immense pride, she enrolled herself into the Economics Honors course at Delhi University's Hindu College in 2004. So overwhelmed was she of her achievements, and so pleasantly shocked was her family, that after the enrollment everyone decided to give studies a break and shift their focus back to Tamanna's grooming.

"And then the hunt began," she said quietly. Her voice suddenly turned matter-of-factly so that she could hide all the emotions behind the story. 
At an age of 19, when students generally wonder what to do in their career or discuss issues with their boyfriends/girlfriends, Tamanna was skimming through photographs of prospective grooms.

"What about your studies?" I asked.
"The fact that I was studying in Hindu College was more than enough for my family. They were completely OK if I didn't study at all," she said.
Surprised, I asked, "What about your friends? Didn't anyone ever encourage you to focus on your studies?"
"Nope. You see, I never had the 'focus on studies' kind of environment around me. For everyone, life was just like a Bollywood movie - nice and happy. Everyone stayed in their own world and no one ever thought of giving life a thought," Tamanna said.
"What then?" I asked.
She took a sip of her green tea and continued.

One day, her mother came running home beaming with joy. When asked about the reason for her happiness, her mother exclaimed that she had found the perfect rishtaa for her daughter. The boy being talked about (prospective groom) was a Canada based businessman. He was a Punjabi, like Tamanna's family, and was the only child of his parents.
"Punjabis get a high if their daughter gets married to a guy who's the 'only child' as this means that there'll be no debates regarding money/property/ children with any of his siblings. Hence, the daughter would have a 'tension-free' life," Tamanna explains.
Since the guy had given an advertisement in the matrimonial section of the newspaper mentioning that he was in India for only two weeks, Tamanna's mother had taken the initiative of inviting him and his family for dinner that very day. Tamanna's father was miffed about working around at such a short notice but the mother convinced him.

Evening came and the boy entered their household. "He was 24 years old, 6 feet tall, fair and extremely handsome," Tamanna recalled. The prospective groom was well-behaved and touched the feet of Tamanna's parents as a sign of respect, in sync with the Indian culture. "His behavior swept me off my feet," Tamanna said. As all Punjabi parents do, food was piled on the poor guy's plate but he did not complain. He was witty and very quickly became comfortable with Tamanna's family. By the time the dinner was over, everyone in Tamanna's family, barring her father, loved him and wanted to fix the match there and then. Tamanna's father, however, decided to hold on to his horses and take time to know the boy's family, his business and other credentials. He invited the boy, with his family, for lunch the following day.

Next day, the guy was at their doorstep again; this time with his family. By this time, Tamanna's family was relaxed as they knew that things were almost in place. When the parents interacted and got to know more of each other, Tamanna was given whole 30 minutes to spend time with him in private, officially.
"So what did you talk about in that half an hour?" I quizzed.
"Not much. He was so handsome and charming that I barely spoke to him. I was in awe of him and we kept smiling at each other all the time. I was happy because I felt that I had reached my final destination in life," Tamanna said.

After lunch, the guy showed his passport and documents showing the status of his Canadian citizenship to Tamanna's family and even left a copy of those documents with them 'in case they wished to verify'. He gave a day's time to Tamanna's family to think and decide about the rishtaa.
As with the parents of an Indian girl, they thought that verifying these documents "won't look nice" and they refrained from it. In the evening, Tamanna's father called the boy at the hotel he was staying (a 5 star hotel, which made the family hyperventilate) and confirmed the rishtaa.

Next day, the guy and his family were at Tamanna's house again. All of Tamanna's friends and relatives were invited for the 'roka', a Punjabi ceremony whereby everyone is introduced to the new member of the family and the matrimonial alliance is fixed.
"Three days later, I got married at the Arya Samaj temple and was off for honeymoon in Manali the following day," Tamanna told me.

My mouth fell open. I was amazed at the lightening fast speed with which the events unfolded. I was bewildered at how the alliance was fixed. I wondered what would've been Tamanna's state of mind then. And more than anything else, I was still puzzled because I didn't understand what was she doing in Surat, when she should've been (as per her story) in Canada.

Tamanna continued, "Ten days after I had met this guy for the first time, I was married to him and we were even done with our honeymoon. Back from Manali, he dropped me at my parents place for a day so that I could collect all my documents for my visa to Canada. In the mean time, he said that he'll arrange the appointment and will pick me up in the evening. 

But he never came!" she said quietly.

She continued, "My father called at the hotel and was informed that he had checked out four days ago. Since cellphones were not that common that time, we couldn't reach him anywhere. The numbers of so-called relatives that we were given were fake. His parents had left for Canada, the day we left for our honeymoon. My father tried calling them in Canada to inquire about their son but those numbers too turned out to be fake."

The family was shattered. Initially, they thought that their son-in-law was in trouble but when the Canada numbers turned out to be fake, Tamanna's father trembled with rage. Tamanna continued, "I still remember that day. The photographer in the neighbourhood had delivered my wedding pictures on the day of my arrival from honeymoon. During evening tea, my mother and I were merrily looking at those pictures and were shortlisting the ones that I would take to Canada with me. Of them, there was a picture of Jeet, my husband, that we decided to get framed. My father picked up that photograph and ran to the police station. Initially, he thought that he would file a missing complaint. But when on reaching the police station, he was told that all the documents whose copies Jeet had left with us were fake, he filed a case of fraud against Jeet along with a missing complaint."

The family didn't sleep that night. After a lengthy discussion with the cops, the family realized that they had been conned and that this was a serious case of fraud. When Tamanna's father expressed his concern about Tamanna's future, the cops declared that since the marriage was not legally registered, Tamanna was not legally married to Jeet, who she claimed to be her husband. Hence, the question of a divorce or annulment of marriage did not arise. Hence, legally, Tamanna was still single and unmarried.
However, as per the Indian customs and rituals, Tamanna was married. Also, Tamanna had lost her "virginity" and this meant that she would be considered as "impure" by everyone. (In the Indian society, virginity is over-rated.) Tamanna's mother cried non-stop for her daughter wondering who would marry her next.

At that point of time, Tamanna had two questions in her mind - Why? Why her? She didn't cry that night and not for the days that followed. Everyone around her pitied her, sympathized with her and asked her all kinds of questions. She was totally lost because her support system, her family, had collapsed. For the next three days, neither did she eat, nor did she sleep. On the fourth day, she became unconscious due to weakness. After some glucose, she was given medicines to make her sleep. 
"And when I woke up," Tamanna said, "it was a new morning. I shut myself in my room and thought about myself. I was 20; I was studying but not studying; I was married but not married. I realized that I was living a life which was a combination of opposites or rather, a life that had nothing. And then I tried to look at the whole scenario rationally so that I could first, answer my two questions and later, answer the question that was on my family's mind - What next?"

In silence and peace, Tamanna realized that Jeet had not vanished due to a tragedy. Instead, he was gone because that was a part of his plan. Why did he do all this? What did he want? Just to sleep with a 20 year old innocent girl?! No! In the entire episode of Tamanna's marriage, he didn't just get all the love & blessings from Tamanna's family, but he also got all the gold and money that Tamanna's family gave him. Her family had given their entire life's savings to this man. To add to that, they had even given him their daughter. Disgust for Jeet grew in Tamanna's heart.

Next question, "Why Tamanna?"
While answering this question, another question popped up in Tamanna's mind - Was it only her? Was it the first time that this man had duped a family using a matrimonial alliance? Clearly, the answer was "No". If a man could con her family with ultimate ease, this would've definitely not been the first time this would've happened. And then Tamanna sat down to wonder how many other girls would've undergone the suffering that she was facing right now. She shuddered at the thought of being able to perform such an action regularly in one's life and destroy the lives & emotions of many people only for money. She felt disgusted at the thought of considering innocent girls, like her, as a piece of use and throw trash. And then, to answer her family's question, she decided to not end up marrying some other guy out of "society's pressure". She decided to change everything!

For the first time in those four days, Tamanna sat in the center of her living room and cried her heart out in front of her own family. To every person who tried to pity her, sympathize with her or even console her, she pointed a finger and told them that all that had happened to her was NOT her fault. She felt frustrated at how throughout her entire life, everything revolved around her marriage and she shamelessly vented out all her frustration on each one who tried to sympathize with her.
And then she stopped. In front of everyone, she took off her wedding bangles, wiped off her vermillion (sindoor) and declared herself single again. She wiped her tears and swore that she will show everyone what it means to be Tamanna.

"So what did you do then?" I asked her.
She smiled, "I picked up my bag and went to college to make up for all the classes that I had missed all this while."
"And what did you say to everyone who asked you about your marriage?"
"I laughed on the rumours of my marriage and declared that I was on leave due to typhoid. You see, I wasn't married legally," she winked. "For the rest of my academic year, I studied my ass off. As a result, I ended up topping the entire university. Though my younger brother was glad that I had moved on in my life, my parents were still iffy about my future. Though I didn't blame them for all the mess but I did maintain that had they been more practical and not thought of 'log kya kahenge' and 'achha nahin lagta' ('what will people say' and 'doesn't look nice'), my life would've been different. But on a reflective note, I was happy that I had learnt the lesson of my life albeit the hard way. I had stepped out of that cocoon, become practical and ferociously serious about my education in my opinion, that was the only way I could break free from the shackles of my society."

After successfully completing her bachelor's in economics, Tamanna went on to do her MBA from IIM Ahmedabad with a full scholarship. Thereafter, she started with 'Rishtaa' in Surat. Listening to her story, I understood that since 'Rishtaa' was a word that was constantly used around her, she chose that name for her company. 'Rishtaa' targets middle-class families looking for appropriate grooms for their daughters. The USP of 'Rishtaa' is that for each bachelor in their database, the team at 'Rishtaa' performs a background check and presents only the verified information to the families interested in an alliance for their daughter. With the details of the background check, including medical check-ups checking for HIV and STDs, and a check of astrological details, parents are able to trust 'Rishtaa'. By word of mouth, the popularity of 'Rishtaa' spread and in a span of four years, 'Rishtaa' has become a brand name in Surat. Taking a step back, I realized how the strategy of 'Rishtaa' completely fits the picture of Tamanna's life and why she chose to set up 'Rishtaa' started making sense to me.

"But why Surat? Why not Delhi? Why not your own neighbourhood?" I wondered.
"I had to start somewhere! When I entered Gujarat six years ago (in 2007), I was glad that I was away from Delhi, the place that houses my family and all the other relatives. I was happy that I was free and was in my own space. In two years, during my MBA, I settled down in the atmosphere in Gujarat and hence, decided to start it all here. My best friend at IIM was from Surat and she always used to talk about this city. So one day, I just packed my bags and came here," she chirps.
"Didn't you face any problems while setting up 'Rishtaa'?" I asked.
"Don't ask about problems. In a male-dominated society, the whole idea of preparing a file for each groom and getting a background check for marriage sounded horrendous to people. People thought that I had gone mad and treated me like an outcast. I kept mum because I knew what I wanted to do and was focused to make the change. Every time I felt low, I thought of all the other girls, like me, who Jeet had cheated and then I would stand up with a determination which was firmer than earlier. After successfully arranging about ten alliances, people started opening up to the concept of 'Rishtaa'. Getting a good rishtaa for their daughter is the tamanna of every family. As I had anticipated, families of daughters queued up but there were no grooms who were interested in giving their details to 'Rishtaa'. For the interim, 'Rishtaa' ended up being a background check center. People would hear about all kind of alliances and would come to us to get a check on the groom done, for their satisfaction. Since no work is big or small, our team gladly accepted those offers. As our credibility grew, our database started growing as demand created its own supply."

Smiling at the success of Rishtaa and admiring Tamanna for her focus, I'm reminded of a question of hers that she didn't answer in her entire story. "You had often wondered, 'why me'? What answer did you get of that?" I asked her.
"I'm glad you asked me that," she said while looking out towards the horizon, "Had it not happened to me, 'Rishtaa' wouldn't have been born. And now, with 'Rishtaa', there will never be another Tamanna in this country."

Tuesday, July 30, 2013

Review || Citi

As promised, here comes a post on Citi ...
I started banking with Citi when I got my first job because my first salary account was with Citi. As soon as my 'Savings Account' started with them, I took up a Citibank Indian Oil card as the card promised tempting fuel rewards and I was planning to buy a car.
The Initial Impression:
Citi is high-fi! The moment you enter into Citi's system, that's the feel that you get. They prefer their customers to do online/tele banking in place of banking in person, not that they have a problem if you come to their branch, just that their preference is different.
With time and relationships, my experience with Citi kept changing.
Banking experience (Online):
Their online interface contains a button for every possible option that a user may choose. Though the interface is not pretty, it is very useful.
One thing that I've heard works very well for people, but sadly that never worked properly for me, was syncing credit cards with savings accounts.
Next, off late, the interface contains new 'Offers' and emails in an 'Inbox' which are basically ideas to promote new products. These are not disturbing but are not very pleasant to look at either. Nevertheless, the whole (online) banking experience is not bad.
Customer Service:
5/5
Be it getting an add-on credit card or closing an account, there is no 'chik-chik' with the Citi guys. Whatever you wish to do, just select the corresponding option on their online interface. In case it is not available, a 'Query' can be dropped to them or they can be called. The TAT for customer requests and/or queries is short.
Sometimes, I've heard people complain about procedures. Let's face it, every organization and more so, every bank has a certain procedure. Following processes is not bad. What is bad is using the label of 'processes' and delaying things unnecessarily. Luckily, I haven't faced such a situation with Citi yet.
Points Redemption
Citi offers points not just for credit cards, but also for transactions (as per quantity & currency volume) on the Savings Account. The only condition with these (account) points is that they lapse when the financial year ends. For the credit card, thankfully, points get accumulated. Since I have an Indian Oil Credit Card, I must say, I'm extremely happy for I get a fuel surcharge waiver at every Indian Oil petrol pump and I can conveniently redeem my credit card points for free fuel. The best part about points redemption is that it is super quick - Just drive in to an Indian Oil petrol pump authorized for points redemption (check the list on Citi's website), give your card and ask the helper to redeem your points.
USP:
If you choose the language 'English' for Customer Service, then the executives know how to speak in English. Jokes apart, Citi Privileges enable you to get 15-20% discounts at various eating & shopping outlets. Citi has a tie-up with certain merchants due to which the customers get extra points on every swipe.
Bad:
As mentioned earlier, Citi is high-fi. For most of the accounts, a high deposit is required. So Citi banking is not meant for a regular, middle-class person like me.

Improvements:
Though the current situation of the online interface is not bad, we could do with some improvements in its look & feel.
My Special Feature:
The security system of Citi. Whenever you try to set or change an IPIN, the system does not allow you to use any of the previous 6 (or may be 10) passwords. The setup is quite strict as one always has to use the virtual keyboard. I get extremely irritated whenever I have to change my IPIN, primarily because I can't think of an IPIN which can be easily remembered yet is cryptic enough. Despite this, I prefer to use Citi because the whole setup makes a customer feel safe.
My Special Moment:
45 days prior to the expiry of my card, I received an email from Citi asking me to confirm my residential address so that they can send me the new card on that address. I don't know how many days in advance does RBI ask banks to have a correspondence with credit card customers, but I was extremely happy to see an organization work with planning & time management.

Thursday, July 25, 2013

Review || Why I regret taking a StanC card?

My mother and I are regular customers of Lifestyle and Auchan ("pronounced as O-shaan"). Hence, we opted for an Inner Circle Membership. One day, we received a mailer wherein Standard Chartered bank was offering a credit card having a tie-up with Inner Circle (of Landmark Group) wherein, the customer was offered 3 times the points we usually get besides other discounts. Out of temptation, I applied for this card and this is a decision that I have been regretting ever since I received this card.
The Initial Impression:
Within minutes of clicking the link, "Click here to apply", I got a call from their customer service desk, despite the fact that it was a Sunday. Within a couple of hours, the verification calls were done and within 2 days, the documents had been collected. I was impressed by their swiftness, only to realize that this swiftness is a salient feature of the Sales department, unlike that of the Customer Services.
The Bads:
1. Since the initial click, I had maintained that I wanted to apply for two cards - One for myself and second, an add-on card, for my mother. I was delivered my card but the add-on card didn't come! Considering it to be a 'usual human error', I dropped a note to their email address informing them about the non-receipt of the card. Result? No response! Only after 3 emails, including one accusing them of false promises & scaring them in the name of Consumer Forum, did the card get delivered at my home.
Ironically, I received a reply on one of those emails 3 months after the delivery of the card, quoting the courier number and mentioning that the card had been received. Good Morning guys!
2. Though their online banking interface is fancy, if you don't have a savings account with them, then you'll be stuck like me. I had a card and wanted to make a payment using 'other bank account' but I couldn't find the link. After numerous searches and reloads did I realize that the "Pay Credit Card bill using other bank account" link exists on the Home Page only. So either you grab the opportunity of paying the bill without looking at the online statement or keep looking. If I have to describe the experience in one word, "uncomfortable" is the word that I would use.
3. Add-on card: Normally, if we have a primary card, say Card A and an add-on card, say Card B then we receive one bill containing transactions for both. StanC prefers to split the bills. It is acceptable, albeit not my style, because there would be lot of customers who would like it this way. However, I'm quite sure that customers won't prefer to pay for each of these cards separately. I mean, I have to make separate payment transactions for Cards A & B. Seriously?!
Since I was unaware of this, I made a total payment (Card A due + Card B due) against Card A (the primary card). And then I received the "statement" flashing a minimum amount due against the add-on card. My reaction? #Facepalm
4. Points redemption - Ah! The reason why I took this card. So when I took this card, I was told that I'd be granted Inner Circle membership if I didn't have one. In case I was an existing Inner Circle member, my membership would be linked to my card. Thus, I believed that all my points are going in my pocket. And then I was proved wrong. My credit card has been mapped against someone else's Inner Circle Membership number and both, StanC & Landmark Group are playing the Cong-BJP like blame game, i.e. StanC blames Landmark Group for the error and vice-versa. End result? I cannot redeem my points at a Landmark outlet.
But hang on, did I have points? Both Inner Circle and StanC follow a rolling policy, i.e. they lapse your points after a year. Let me explain this further. If I make a transaction on 15 Jan 2012 and get 100 points for the same, say, then on 16 Jan 2013, these 100 points will get lapsed and would automatically get deducted from my points balance.
My reaction? Thank God others don't follow this policy!
Since reporting about the wrong mapping of Inner Circle ID with credit card required numbers and other details to be quoted, I dropped both, StanC credit cards & Landmark Group an email. The auto-response of StanC is that the email will be responded to within 7 business days but I know that I won't get a response within that much time. Honestly, I don't even expect a response now. I'm so tired of all this that I want to pay my latest bills and get rid of this credit card. Also, I've stopped shopping at Lifestyle and want to get rid of their "Gold" membership too.
Whenever multinational companies invest in India, they cash in on the brand they have/build but they forget a critical factor - Customer Service. I, personally, consider the customer service of StanC and Inner Circle as BAD, primarily because I have seen the opposite end - Citi/HDFC and the Future Group. I'm sure people would've had their share of bad experiences with them too but till now, luckily, I haven't got an opportunity to rant about them.
The Goods:
Yes, everything has a good part and so do these guys. The online interface, in general, is nice (I hate to say this but the look & feel is better than Citi's interface).
Since this was my first co-branded retail card, I quite liked the entire concept of tying up with a retail major and offering membership & discounts, etc.
Lastly, I applaud their Sales team for being extremely quick & efficient.
PS - Separate blog post for Citi & HDFC to come up soon.