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Future of Credit Cards, Plastics Monthly Business Review, Volume: 05, Issue: 02, January 2014 FUTURE OF CREDIT CARDS, PLASTICS NAME OF SECTION Disclaimer: MTBiz is printed for non-commercial & selected individual-level distributi on in order to sharing informati on among stakeholders only. MTB takes no responsibility for any individual investment decision based on the informati on at MTBiz. This review is for informati on purpose only and the comments and forecasts are intended to be of general nature and are current as of the date of publicati on. Informati on is obtained from secondary sources which are assumed to be reliable but their accuracy cannot be guaranteed. The names of other companies, products and services are the properti es of their respecti ve owners and are protected by copyright, trademark and other intellectual property laws. Volume: 05 | Issue: 02 | January 2014 NATIONAL NEWS INDUSTRY APPOINMENTS New Executi ve Director for Bangladesh Bank New GM of Bangladesh Bank Abdur Rahim has recently been promoted to Masum Patwary, DGM, SME Program was executi ve director of Bangladesh Bank, the promoted to GM of the his current division. central bank. Prior to the promoti on, he was He joined Bangladesh bank as Assistant serving the banking regulator as its general Director in 1988. manager. Rahim joined BB as assistant director in 1984 and has served at the bank’s Mr. Patwary has been serving BB for a long Sylhet, Rajshahi and Dhaka offi ces. Rahim is ti me and worked in Rajshahi and Sylhet an economics graduate of Dhaka University offi ce. and att ained a master degree from the Insti tute of Business Administrati on. Sonali Bank gets 3 new DMDs New DMD of Rupali Bank Kazi Md Neamat Ullah has been appointed as deputy managing director (DMD) of Rupali Bank Limited. Prior to this positi on he was working as general manager of Rupali Bank. Mr Neamat started his career on April 19, 1982 and served Rajshahi Krishi Bank, Karmasangsthan Bank, Bangladesh Krishi Bank and some other banks. He took part in many seminars and trainings in China, Saudi Three offi cials of Sonali Bank were promoted to deputy managing Arabia, Bahrain, Qatar, UAE and India. directors. They are Zahid Hossain, Md Mustafi zur Rahman and Ataur Rahman Pradhan. Prior to the new assignment, Zahid was company secretary (Board Division) of the bank’s head offi ce while CBC appoints new Country Manager Mustafi zur and Ataur were general managers. Ajith Naranpanawe has recently been Trust Bank gets new DMD appointed as the country manager for Abu Zafar Hedaytul Islam has recently been Bangladesh operati ons of the Commercial promoted to deputy managing director Bank of Ceylon PLC (CBC). of Trust Bank Limited. Prior to his new The appointment will come into eff ect from assignment, he was senior executi ve vice- December 26, the bank said in a statement. president of the bank. Naranpanawe joined the bank in 1981 He joined the bank as senior vice-president in and has wide experience in all areas of October 2003. He started his banking career the banking operati ons, according to the as probati onary offi cer at IFIC Bank in 1986. statement. Management Tips Follow The 2+1 Rule, Diversify Sponsor Network, Survive & Beware Starti ng a Company with Your Business School Pals Succeed Partnership among business schools pals seem to happen. Certainly Your connecti on to an infl uenti al mentor may support you on the some business school partnership works, but for every successful current job or fi nding a new one. However, having a single mentor starter there are hundreds of examples where it was a failure; and may bring you hard ti me when the mentor goes up. Therefore, coming from same school makes the reason. Naturally, pals share it is important to have more than one mentor. Creati ng multi ple almost same experience of knowledge and business exposure mentors is a practi ce of smart people. Perti nently, creati ng mentors during their MBA. Having common experience becomes the prime and maintain the network with all of them, is a kind of investment. barrier to a startup. For beginners, one should have diff erent kinds Like other investments, you should diversify your portf olio too, as of viewpoints and experti se. For example, a technologist needs if it’s an asset. Be careful to ensure, that the mentors should be technical skill to design and develop a technical product. Same independent of each other. If one fails, another can boost you. way, a person with strong experti se in marketi ng is required for It is ideal to have three mentors. If there are 10 people at your feeding a product to the market. In startups, when you partner organizati on, one sponsor should be from own organizati on with your pals, you lose the possibility of having diff erent views and two from other organizati ons. However, in the case of large you lose diversifi cati on of thoughts, ideas and experti se. organizati on, you should maintain two mentors from inside the Furthermore, lack of sharing of values and assuming that, the organizati on and one from outside the organizati on. Between the other one also holds similar value, becomes a factor of potenti al two insider mentors from the organizati on, one should be within confl ict. Be careful about assuming values of others. Share values the department and another from any other department. This 2+1 explicitly and ask each other very strongly, ask specifi c and pointed rule boost you to come through criti cal situati ons like economic questi ons so that values of each other get explicitly revealed and recession or issues raised inside own organizati on. shared. Otherwise, lack of explicit sharing of values and implied assumpti on of having similar values, may lead to a ground ferti le Adapted from: for confl ict. Mismatch of values is a ti me-proven factor of confl ict. Harvard Business Review’s Management Tips 2 MTBiz Volume: 05 | Issue: 02 | January 2014 ARTICLE OF THE MONTH FUTURE OF CREDIT CARDS, PLASTICS Charging for products and services, in tested product the PLASTIC has faced Since incepti on PLASTIC has gone through other words, use of plasti cs or credit cards new competi tors around. Wider Internet diff erent product modifi cati on and or debit or ATM cards is a phenomenon access has bagged in the consumers on technological up gradati on. On entrance to common in developed world as well as the the net and rolling out of e-commerce has the Twenty First Century, at the beginning of rest. No longer do people bring cash when converted the retail shopping paradigm from transacti ons based on cash or plasti cs the 2nd Decade, in 2013, two major Giants they buy, they simply charge the card. The of PLASTIC market, have off ered new- credit card or the other cards, altogether to e-money. Diff erent platf orms and opti ons of payment method have already grown tech products. Now, PLASTIC has a built-in referred as “Plasti c” allows consumers to and are very successful in doing it with a keyboard, a ti ny LCD display and it works “charge” the card instead of paying in cash, signifi cant consumer base, for example: as a source for OTP (One Time Password) is merely a twenti eth century product. PayPal, Google Wallet etc. The PLASTICS generator for banking transacti ons. Since 19501 , credit card started its journey usually required physical presence of the to the wallets of the consumers and it can card and the card owner at the point of Facing ever-mounti ng pressure from the be said that, since incepti on, PLASTIC has sale, where the e-commerce platf orm, likes of Square, Paypal, Google Wallet, and won every market place of the planet, in does not ask for physical presence of the others, traditi onal credit card companies the whole of the twenti eth century. consumer and it has no geographic or like Visa and MasterCard are facing ti me barrier. Anyone can do e-shopping technology-driven challenges unlike any Twenty First Century has arrived. Its arrival round the clock, round the globe, provided has brought in newer technologies for they’ve seen before. And while the Internet the nati onal policy permits. Many market appears to be the primary disrupti ve managing payment methods. Growth researchers think, PLASTICs won’t survive of Internet and Cellular network and this market for long, while there are strong element powering those new challenges, convergence of the both altogether have opposite voice too. How is your Future Card MasterCard has decided that its strategy for pushed the global giants in technology fi eld (Credit, Debit or ATM) going to be – is the competi ng with payment service upstarts to dream, think and act in the alignment criti cal questi on, global Card Giants are lies in creati ng an innovati ve new card that of this convergence. Similarly, the century- asking themselves, as of now. is fully interacti ve, and same did Visa. MasterCard Visa MasterCard’s next-generati on credit card Visa announced a new credit card in is named as MasterCard Display Card and Europe, at this fall (2011) that comes features a ti ny display, a touch-sensiti ve with its 48x8 pixel LCD panel on the back, keyboard, and even an on/off butt on, all just above where the signature would packed into the same familiar thin credit card. normally go. It is called the CodeSure The MasterCard Display Card has been recently Matrix Display Card.
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