Credit risk funds have been seeing redemptions over the last one year. Between March 2019 and March 2020, most credit risk funds had seen outflows barring ICICI Prudential Credit Risk Funs, IDFC Credit Risk Fund and Mahindra Credit Risk Yojana.

Experts said the debacle at Franklin could lead to redemptions from other debt schemes. Investors could lose a big chunk of the Rs 25, 800 crore worth of assets held in the six debt schemes that Franklin has wound down.

Franklin Templeton MF also said that their commitment to India remains steadfast as they have been early as patient investors in India.

As credit risk funds may see redemption pressure because there are no takers for lower-rated paper, investors can opt for liquid and overnight funds.

The RBI recently allowed banks to use Video KYC to validate loans and credit card applications. Video KYC is another effective mechanism to accelerate application processes wherein customers can use their smartphone cameras to validate themselves before a bank-appointed officer.

Gold plays an important role as a diversifier in a portfolio due to its less than perfect correlation with other asset classes.

The Irdai data showed that LIC saw its new business premiums at Rs 1.77 lakh crore in 2019-20 compared to Rs 1.42 lakh crore in the previous fiscal — a growth of 25.17%.

Low oil prices will have a positive impact on glass manufacturing, transport, industrial power, plastics, lubricants, petrochemical, , FMCG, paint, rubber & tyre manufacturing companies

There would also be a significant rise in disease-specific health plans as these are only for widespread infections as against normal hospitalisation in order to keep the cost of treatment low.

VPF is the voluntary contribution by employees towards their provident fund account over and above the 12% contribution towards EPF.

The next two months will be weak and slowdown in Ulips to continue for the rest of the year

Banks are offering Covid-19 personal loans only to existing borrowers and pension and salary account holders

The EPFO has already extended to May 15 the due date for depositing statutory contributions for the wage month of March, due by April 15.

Contingency planning, taking heath insurance and avoiding unnecessary expenses is critical.

The motor third-party obligation of each insurer should be linked to the number of vehicles insured instead of premium derived from this segment, says Irdai panel.

The year 2020 is not going to be a year to forget. Understanding the nuances and re-learning the basics is a good thing to do.

Availing of the moratorium will only add to your interest burden eventually. If you have the cash, paying EMIs and credit card bills on time will be beneficial.

An emergency fund equal to 6-12 months of your monthly expenses is the financial equivalent of N95 masks. And check your health insurance plan.

Q4 Ebitda was in line with estimates; RIL on track to be debt free by end FY21, which could drive rerating; TP revised to Rs 1,618.

Equity markets in India and across the globe have corrected sharply on concerns over global growth amid the coronavirus outbreak.

While the third-party (TP) premium depends on your vehicle’s cubic capacity (CC), the motor own-damage is calculated basis the RTO/city you reside in and the make year and model of your car.

Trade unions are of the view that the retirement fund body should set a definite timeline for employers to deposit the money already deducted from employee’s monthly salary.

The daily AUM of such funds stood at Rs 74,709.11 crore in April, compared with `80,377.59 crore in March — declining Rs 5,668.48 crore.

Though overall growth in health business declined 11% in March, private players are likely to revive in FY2021.

Reduce your debts, cut expenses and choose investment products prudently to build your retirement corpus.

In part one of this blog series, we introduced the automation of AI (i.e., artificial intelligence) as a multifaceted and evolving topic for marketing and segmentation. After a discussion on maximizing the potential of a brand's first-party data, a machine learning method incorporating natural language explanations was provided in the context [...]

SAS Customer Intelligence 360: Automated AI and segmentation [Part 2] was published on Customer Intelligence Blog.

In parts one and two of this blog series, we introduced the automation of AI (i.e., artificial intelligence) and natural language explanations applied to segmentation and marketing. Following this, we began marching down the path of practitioner-oriented examples, making the case for why we need it and where it applies. [...]

SAS Customer Intelligence 360: Automated AI and segmentation [Part 3] was published on Customer Intelligence Blog.

The marketing industry has never had greater access to data than it does today. However, data alone does not drive your marketing organization. Decisions do. And with all the recent hype regarding the potential of AI, a successful cross-channel campaign is propelled by a personalized, data-driven approach injected with machine [...]

SAS Customer Intelligence 360: Hybrid marketing and analytic's last mile [Part 1] was published on Customer Intelligence Blog.

In part one of this blog series, we introduced hybrid marketing as a method that combines both direct and digital marketing capabilities while absorbing insights from machine learning. In part two, we will share perspectives on: How SAS Customer Intelligence 360 completes analytic's last mile. How campaign management processes can easily [...]

SAS Customer Intelligence 360: Hybrid marketing and analytic's last mile [Part 2] was published on Customer Intelligence Blog.

Your brand is customer journey obsessed, and every interaction with your company provides a potential opportunity to make an intelligent decision, deepen engagement and meet conversion goals. The hype of martech innovation in 2020 is continuing to elevate, and every technology vendor is claiming the following statement: "Bolster the customer [...]

SAS Customer Intelligence 360: Marketing AI vision was published on Customer Intelligence Blog.

In parts one and two of this blog series, we introduced hybrid marketing as a method that combines both direct and digital marketing capabilities while absorbing insights from machine learning. According to Daniel Newman (Futurum Research) and Wilson Raj (SAS) in the October 2019 research study Experience 2030: “Brands must [...]

SAS Customer Intelligence 360: Hybrid marketing and analytic's last mile [Part 3] was published on Customer Intelligence Blog.

Digital transformation. Yup, I said it. It's over-hyped. But as SAS Chief Operating Officer and Chief Technology Officer Oliver Schabenberger says, "It's also real and powerful. Our world is being liquefied from physical assets into virtual assets, and analog processes into digital processes - the world is turning into bits [...]

SAS Customer Intelligence 360: Analytics as a guiding light was published on Customer Intelligence Blog.

Excitement levels are high for the March 2020 release of SAS Customer Intelligence 360, which includes multiple years of research and development culminating in enhancements to the platform's underlying data model. The changes will introduce the unification of a comprehensive data model recording both: Customer behavior -- what users are [...]

SAS Customer Intelligence 360: Unified data model, marketing attribution and AutoML was published on Customer Intelligence Blog.

In February, SAS was recognized as a Leader in the 2020 Gartner Magic Quadrant for Data Science & Machine Learning Platforms report. SAS is the only vendor to be a leader in this report for all seven years of its existence. According to us, the topic of the research is [...]

SAS Customer Intelligence 360: Analyst viewpoints was published on Customer Intelligence Blog.

After careful consideration of the evolving COVID-19 situation, SAS made the decision in March to cancel the in-person SAS Global Forum 2020 conference in Washington, DC. The health and well-being of SAS customers and employees was the company's top priority in making that decision, and while it's unfortunate that we [...]

SAS Global Forum 2020: Hybrid marketing with SAS Customer Intelligence 360 was published on Customer Intelligence Blog.

How industry experts define loyalty and why Chipotle's program doesn't fit the bill.

A recent study reveals that more than a quarter of digital marketers at Fortune 500 brands say their companies don't have them.

The online shoe and clothing retailer's loyalty program offers different customer segments different relevant rewards.

The family restaurant chain uses demographic, behavioral, and purchase data to send targeted offers to its rewards members and grow visit frequency and spend among younger customers.

Direct selling, OTAs, loyalty. Travel intermediaries are having a strange impact on travel marketing.

How the global hotel chain's loyalty program offers the data it needs to create tailored experiences for its guests.

The online window covering company introduces a program that refers prospects to people, not just a brand.

How the retail pharmacy chain uses customer data to make its marketing messages relevant

Data, collaboration, and the IoT are reframing loyalty for a new age

The details may be technical, but the concepts are clear when it comes to analyzing seasonal retail data

A conversation with my mentor has always stuck in my mind: Teaching is not about me, directly, it’s about serving my students. Teaching is about providing each of my students what they need to learn the material and to grow academically and as an individual. Teaching is about student learning. [...]

The post My teaching doesn’t change, why does my EVAAS score? appeared first on Government Data Connection.

Creative government workforce approaches come in many forms. Some time ago, the US Environmental Protection Agency (EPA) offered employees an interesting choice to incentivize them to stay. Employees could either telework from home one day per week or receive $1,000. As Jon Lemon, principal industry consultant at SAS told the [...]

The post How analytics can shape the government workforce appeared first on Government Data Connection.

The data revolution is causing disruption everywhere. Even governments are feeling the effects. While the public sector may be less prepared for the impending changes, government has good reasons to embrace the data revolution. First, governments have been collecting data for years. They have lots of data. This supports programs, [...]

The post 4 ways the data revolution is changing government appeared first on Government Data Connection.

Encouraging data sharing can sometimes feel like refereeing kids on Christmas morning. “Mom said you have to SHARE!” my sister bawled, grabbing at the Game Boy in my hand as I held the toy just out of her reach. I had just gotten it as a Christmas present and had [...]

The post With government data sharing, don’t be a data scrooge appeared first on Government Data Connection.

Many of the buzzy applications of AI in healthcare we hear about involve medical IoT, computer vision for radiology or disease prediction. But the fact is, many health institutions that just aren’t there yet with adoption. With limited budgets and dated systems, can public health agencies tap into the power [...]

The post Can AI in healthcare help us identify high-risk people across systems? appeared first on Government Data Connection.