Are you on this list and backing @SMcPartland and @Royston_Smith's amendment to the Fire Safety Bill? Please support our campaign so leaseholders do not have to pay for historic defects. You are ruining lives:
@RobertJenrick @mhclg @ChrisPincher

#EndOurCladdingScandal

@AaronBell4NUL
@AdamAfriyie
@AlanMakMP
@AlbertoCostaMP
@AlecShelbrooke
@alexburghart
@AlexChalkChelt
@Alex_Stafford
@aliciakearns
@AlokSharma_RDG
@AlunCairns
@amandamilling
@ASollowayUK
@andreajenkyns
@andrealeadsom
@AndrewBowie_MP
@ABridgen
@griffitha
@AJonesMP
@ALewerMBE

🧵While we in Fintech are Hoping for Challenger/Neo Banking Licences from RBI. Let's understand more about Small Finance Bank and from their success, try to see if a balance between Profitability (for business) and Financial Inclusion (for RBI) can be made for future usecase?👇

Since Independence, Financial Inclusion has been a top policy agenda for the central govt and hence for the RBI also, Post 90s, the accent was more on demand-led private initiatives through self-help groups, followed by the Grameen Bank model of microfinance in India.

Then, in 2015, the RBI granted licenses to two differentiated banks (SFB and Payments Banks) for pushing the financial inclusion. PB had been a mystery category, with no clear business model to operate. SFB was to cater to the diverse needs of the low-income group.

The two KEY expectation was:
1. Priority Sector Lending (75% of their total lending) and 2. Branches for Unbanked (SFB were required to have 25% of their branches in rural unbanked centres (population shall be less than 10,000)

Most (8/10) of the SFBs were previously microfinance institutions (MFIs) with a few notable exceptions, such as the Capital Small Finance Bank which was a local area bank. So, achieving the above TWO pointers was not a thought ask for them.

We recently hosted a workshop where our portfolio founders had an opportunity to spend time refining their brands with @jbosborne and Marni Kane (https://t.co/chIjEnevR6) from legendary creative firm @redantler. Here are some of the insights we gleaned from the session:

1/🧵

👶 Showcase your flying baby!

“Branding is an exercise in prioritization” was the most common piece of feedback shared with our portfolio. The Red Antler team fashioned a great heuristic to aid in this process – “If your baby can fly, lead with that!”

2/20

The point is to focus on what you do better than anyone else.

The one thing that your customers would *love* about your product.

In short, a single differentiated message is better than half a dozen banal brand promises.

3/20

“Focus” sounds like incredibly simple advice, but it’s easy for founders (or VCs) to get attached to the many benefits they want to highlight and not focus on the single problem they are solving for customers. Ruthlessly simplify your story until it resonates with buyers.
4/20

😃 You sell to customers, not companies

B2B and B2C sales shouldn’t be all that different – at the end of the day, you are still selling to a human who is moved by aesthetics and branding. (Sadly, they likely just have lower expectations in their professional context.)

5/20

SAGA MEGATHREAD

SPRING & ALPHA SPC CO LIMITED 19 Jun 2007 - 18 Sep 2007
SPRING & ALPHA TOPCO LIMITED 19 Jun 2007 - 18 Sep 2007
SPRING & ALPHA MIDCO LIMITED 13 Jun 2007 - 18 Sep 2007
SPRING & ALPHA BIDCO LIMITED 13 Jun 2007 - 18 Sep 2007
ST&H LIMITED

ST&H GROUP LIMITED
ST&H TRANSPORT LIMITED
ONE HUNDRED AND NINETY-EIGHTH SHELF TRADING COMPANYLIMITED 17 Mar 1983 - 15 Sep 1983
INTER-CHURCH TRAVEL LIMITED 05 Apr 1962 - 05 Feb 2009
INTER-CHURCH TRAVEL LIMITED
SIDECONTACT LIMITED 06 Oct 1987 - 25 Feb 1988

LINERFLAME LIMITED 18 May 2007 - 19 Jun 2007
LINERBROOK LIMITED 18 May 2007 - 13 Jun 2007
TITAN TRANSPORT LIMITED 25 Sep 2009 - 05 Aug 2019
SAGA HOLIDAYS LIMITED 01 May 1988 - 05 Feb 2009
SAGA FINANCIAL LIMITED 25 Feb 1988 - 01 May 1988

SAGA HEALTHCARE TRUST LIMITED
SAGA INVESTMENT DIRECT LIMITED 08 Aug 1995 - 20 Dec 2006
SAGA PERSONAL FINANCE LIMITED 20 Dec 2006 - 24 May 2011
SAGA PERSONAL FINANCE LIMITED 24 May 2011 - 02 Feb 2018
SAGA SHIPPING COMPANY LIMITED
SAGA CRUISES LIMITED 24 October 1996

1/n Reliance Industries Ltd announces results for Q3 & 9m FY2020-21. Details follow… #RILresults

2/n Q3 FY2020-21 Reliance reports strong sequential rebound across all the businesses #RILresults

3/n Reliance posts highest ever consolidated quarterly Net Profit; Q3 FY2020-21 PAT at Rs 15,015 crore, up 24.9% (Excluding EO) #RILresults

4/n Q3 FY2020-21 Consolidated quarterly EBITDA up 12.0% Q-o-Q to a record Rs 26,094 crore #RILresults

5/n Q3 FY2020-21 Strong 38.2% sequential jump in quarterly EPS to Rs 20.5 per share (Excluding EO) #RILresults

A short thread about being a self-published author while I wait for something to render. A lot of people hate Amazon, and they do have some business practices that they really should change, but for me, their book publishing service allowed me to be an author (1)

Without Amazon's services, we would still be stuck in the old publishing dichotomy of traditional publishing (where an author has an agent and a publisher) and vanity press (where an author pays a publisher to print their book). (2)

Does it mean I'll never get my book sold in @Waterstones? Sure. Does that bother me? Not really. Waterstones and other traditional book stores carried my first novel for two years when I was signed by a small publisher in Edinburgh. I got zero sales. (3)

It was the worst mistake of my life, as the publisher marked the book up significantly, pricing it out of the market. In hindsight, I should have never signed the agreement, and thankfully was released from it in 2019. (4)

I recently got in touch with @Bookshop_Org on the back of an article I read about them. In theory, it sounds great, and I wish them every success in allowing small indie bookstores a better chance against corporate giants (5)

Good news everyone, Jay Hoag gave us the simple 5 point playbook for finding Magical Companies in consumer technology.

1. product offers combo of value, convenience, selection
2. there's tremendous engagement
3. a virtuous cycle
4. tremendous execution
5. kinda crazy leader

Obviously Jay Hoag on ILTB is as self recommending as it gets

Delighted to be asked by @uklandestates to delve into their archive for their 30th anniversary. They now have a portfolio of 28 estates across the region, but the Team Valley was not just their first, it’s actually the oldest industrial estate in Europe

Team Valley was born because the North East didn’t rebound from worldwide recession like the South did. Although firms like Armstrongs dabbled with car-manufacture in the early 20s, the NE stuck all its eggs in the heavy industry basket: coal, ships and guns.

But demand for coal and armaments had cratered. In 1936, men even marched from Jarrow to London to highlight their desperation at mass unemployment. In Jarrow, it reached 80 per cent. In nearby Gateshead it was 57 per cent.

Such was the state of the region’s economy that in 1934 the National Government decided to site Europe’s first industrial estate in the Team Valley to create “facilities required by industrialists engaged in starting fresh enterprises” (of the type that were booming in the South)

The excellent @Englands_NE tells us that the River Team begins as a collection of streams near Tanfield in NW Durham – a name which originally meant ‘Team Field’. Team is an ancient name, meaning ‘dark river’ with the same root as the name of the Thames.

Last night, @gisellegeneral requested a list of inexpensive or free businesses and resources for candidates who are looking to keep moving their campaigns forward, even if money is tight right now.

Below is a SUPER THREAD! #yegcc

Graphic design: Canva for social media and Venngage for infographics. Both have free versions with some limitations.

Social media management: Hootsuite is most popular, and at $30/month for the entry level version, not too pricey. Buffer is also reasonable ($15/month) and Later is free, but we don't have as much experience with these two platforms, so let us know how they are if you use them!

Website: We use Wix for our website, which is easy to use and offers domain options as well. Wordpress is also a good option.

Both of these offer free or low cost options, but you may want to upgrade your package once the campaign gets into swing to get better site analytics!

Databases: Lots of campaigns rely on Excel or Google sheets. Both will merge with your web platform easily. Excel and Google are more work to update but can be more flexible than your NationBuilders.

Whatever you choose, good data security is a must!

Thread: MyPillow CEO and right-wing fixture Mike Lindell explained his White House visit with right-wing radio host Eric Metaxas (who tweeted hashtag martial law in support of Lindell).

The interview had deranged conspiracy theories, justifications of violence, and more.

The interview starts with Metaxas touting Lindell’s supposed “genuine evidence” of foreign election fraud. Lindell says it came out “ten days ago” on Twitter and starts explaining the conspiracy theory.

Lindell then clarifies that his source for this debunked lie is a conspiracy theory website. Lindell claims Trump won by 11 million votes (he did not).

Lindell lists some countries that he says were involved (China, Iran, Iraq) and then goes into the “algorithms broke” spiel that we’ve heard from Sidney Powell.

Lindell talks about some sort of apparently digital “wheel” that he says was used by foreign countries to change election results. It doesn’t make a lot of sense.

Okay, as my discussion with @rahulroushan, an excerpt of which was tweeted by @digikarma, has triggered yet another debate on beef, I feel I must pitch in with my 2 paisa fwiw. (1/10)

As I clarified in the podcast, not eating beef is a non-negotiable as far as I am concerned, no questions asked. It is absolutely not allowed for Hindus in this yuga. (2/10)

However, I like to take the debate away from the religious to the political for two reasons. One, there is no practical method available to throw out from H society those who do not comply with this requirement. (3/10)

So, if you can't excommunicate a beef eater as modern H society has simply lost all coercive power over the unhinged individual, what good is getting indignant on Twitter about this degeneracy? It is better to work towards a national legislation banning beef incl export (4/10)

Two, quoting Vedas/Upanishads is a double-edged sword because there seem to be many places where beef-eating has been described. I am not a sanskritist, but many H scholars mention this. (5/10)

Big Jason is just sitting in the office kitchen, stirring a cold cup of coffee and staring out the window. He's been like that for 35 minutes.
Sometimes he mutters things like "we're the party of fiscal responsibility" or "who else can we fire"
We're gonna try and help
#ableg

We sent in ol' Miranda, and she tried to tell him that the worst of our scandals is behind us, but he didn't seem to hear her.

We tried to send in ol' Adriana, but she refused, saying that she brings no value by visiting him. No one could disagree!

We sent in Really Big Jason, who told Big Jason that yes there have been a lot of rumours about our incompetence, but that we resolved 0.02% of them. That didn't seem to help.

Ol' Leela went in to try and talk some sense into him but it backfired. Now she's sitting behind him repeating every thing he says and then drawing emojis in the dust on the table.

Ten years ago, Dyn discontinued service for Wikileaks. It's incredible to think about how much time has past but also how similar the conversation is today on platforms and publishers. 1/

Dyn is a business and made decisions through a business lens. We sought to have many customers and run a SHARED platform where everyone would benefit from uptime and reliability we provided the Internet infrastructure. 2/

There were a few interesting Epstein stories this past October most haven’t heard of. Notable as they involve B Gætes

🧖🏻‍♀️How YOU can Build a 7 Figure Business in the next 3 Months by Copying this Thread

(FREE PRODUCT CASE STUDY)

//THREAD//

🧖🏻‍♀️Product:

Orthopaedic Pillow

Benefits: ultra soft & comfy, neck support, massaging effect on head, keeps your head cool, makes it easier to fall into a deep sleep, improves posture

AliExpress Price: $23.73 (free shipping)

Selling Price: $49.99 (free shipping)

🧖🏻‍♀️Potential Marketing Angles you could use:

⭐️ Help pregnant women to have their first good night’s sleep in months

⭐️ Quickly solves agonising neck pain

⭐️ Help people who live in super warm countries to sleep easier due to having a cooling pillow

⭐️ Improve Gamer’s Posture

🧖🏻‍♀️Brand tone:

Aim to portray a “Luxury” brand tone

This means you can have a high perceived value, and charge more for your products

Have congruency across your whole funnel to portray trust by having your
emails, social media & website all giving off this “boutique” vibe

🧖🏻‍♀️Store Design:

Soft & professional colours (white, creme, light blue)

Fancy “luxurious” fonts

Clean layout (nothing spammy, no popups)

High Quality images with white backgrounds

Not crammed together- make everything spaced out, lots of white space (adds to the luxury vibe)

1/ Thank you to everyone who expressed support for our immi launch and we're so grateful for all of you. As I think back to the past 18 months of this journey, I want to share one of the hardest parts of being a founder that I struggle with daily. 👇

2/ Most founders start because we believe that we have high standards for what an innovative product can do for customers. But most of the time, sacrifices have to be made to get a first version of a product to market. These sacrifices slowly eat away at our mental health.

3/ @kchanthasiri and I grew up eating all types of instant ramen and we believe that we have the "taste" for what great ramen should be. We knew creating a healthier option meant a different taste & texture profile, but we didn't realize how different our v1.0 would end up.

4/ Food industry manufacturers (a.k.a. co-mans) have heavy capital expenditures in commercial equipment, and they produce product for multiple customers. It's not easy for them to alter their production processes for each eager startup founder.

5/ They need to consistently run their production lines and produce product in order to make profit for themselves. Every second innovating with a new brand and adjusting their standard processes negatively affects their bottom line.

Diff between Bajaj Finance and HDFC bank customer experience

My friend who got loan from both says BAF charged him 4% higher interest rate than HDFC bank. But process of disbursement was so fast and simple that he got amount in his account in 2 days. While HDFC bank took 2 weeks

It’s all about cost saving against convenience/urgency. I think Bajaj Finance has a very good value proposition.