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How To Set Up Whatsapp Payments To Send, Receive Money

Step By Step Process In case you’re highly dependent on online payments but don’t wish to download an additional app for it on your smartphone try out WhatsApp

What Is WhatsApp Pay?

Basically, WhatsApp Payments is based on National Payments Corporation of India’s (NCPI) Unified Payments Interface (UPI). 

First of all, WhatsApp Payments is dedicated only for peer to peer payments compared to Paytm, which also has a wallet for people to store money and Google Pay that lets users make payments of bills, buy gold and more. 

For implementing these services, WhatsApp Payments has partnered with some major banks in India like ICICI Bank, HDFC Bank, Axis Bank and State Bank of India. How To Setup WhatsApp Payments?

Let’s go through the steps to set up the WhatsApp Payments and link it with your bank account. 

1. The first step, open WhatsApp on your smartphone and tap on the three dots located on the top right corner.

2. Now tap on the ‘Payments’ option and then select the ‘Add payment method’ option.

3. Further, this will show a list of supported devices, now select the bank where you have an account. (The account should be linked to mobile number)

4. Afterward, the app will then ask to send a verification message from your phone. 

5. Now tap the ‘Verify via SMS’ button and after verifying, it will show all your accounts in the bank that are linked to your number. 

6. Next choose the one you want to set up for the app to use, tap done and your process of setting up your account is done.

How To Transfer Money Using WhatsApp Payments?

There are two methods for doing this, let’s go through them one by one.

Method 1 –

1. First Of all, select the person’s chat you want to send money.

2. Now select the attachments option and then tap on ‘Payment’ option.

3. If you have already set up WhatsApp Payments then you will see a screen where you can send and request money.

4. Now, enter the amount and add a note if you want and then hit next.

5. Next, it will take you to a screen where it will ask you to enter your UPI pin. 

6. In case you do not have one it will guide you through creating one.

7. Now, enter your UPI pin and you are done.

8. In case, you are requesting money, tap on request and wait for the person to accept your request.

Method 2 – 

1. Firstly, tap on the three dots on the main page of WhatsApp and open the payment option.

2. Now tap on the QR code showing next to your name to show your QR code using which people can send you money.

3. Now select the new payment option located on the bottom right of the display.

4. Next, select a contact or the ‘Send to a UPI ID or Scan QR code option and the rest of the process remains the same as above.

The Chinese Dragon by Rajiv Bajaj, The King of Indian Motorcycle Industry.

*The Chinese dragon*

by *Rajiv Bajaj*

A couple of WhatsApp groups I am a member of should be renamed China problem group. 90% of discussions is on how China hijacked the world economy, how they do not deserve to do so, how all politicians have let us down, how they are stealing all intellectual property and how we are doomed if we do not stop downloading tiktok.

All true. And no, this article is not about disagreeing with this narrative. This article is not about the fact that an average Chinese student in US beats the shit out of all other students (including Indians) in terms of hours they works and their only disadvantage is that their English is not as good, but they’re getting there. No this article is not about the fact that the people of China worked their butts off while Italians holidayed and French wanted a 4 day week. No this article is not about the fact that you cannot hire a decent machinist or a metal forger in India because all of them are sitting in call centers answering questions from technically challenged Americans.
Of course, I agree and support the view that China and it’s people do not deserve the place they have reached (I don’t want to be trolled). They are thieves, they do not take 4-week holidays. They should be punished.

So what is this article about? This is about an industry where China has been beaten by India. It has been shown it’s not the government, neither the people, it’s really the companies that compete. And as far as India is concerned the people responsible for the demise of manufacturing are these companies.

Year 1983, I pass out of Engineering college in Mumbai considered to be one of the best. Irrespective of the branch—Mechanical, Electrical, Civil, Production, Textile, 80% become coders for the software industry.
Year 2000, I am at Bajaj Auto as HR head (after working for 15 years as a technical person), and am off to conduct campus interviews, to hire 100 Engineers who will build the 100-cc engine of a motorcycle. I am day 5 in VJTI and all other RECs. I end up hiring 10 people from 15 colleges. In every college I am told by the Training and Placement officer (TPO) that tech companies get preference. I say I don’t understand, is building an Engine not technology? No that’s manufacturing.

Writing Cobol code for a bank in New York by a TCS employee is technology. May be the Chinese forced us to do this.

Next year I write to all colleges. I want to be day 0 in your campus. I will offer three times the salary of the best “so called technology company”, but only if I am day 0.
Hiring 100 Engineers at three times salary was no problem for me as compared to TCS, which had to hire 2000 “Bodies”. They could never match that salary.
And that’s how Bajaj Auto built its R&D. Batch by Batch. Making designing and manufacturing of motorcycles sexy and paying for it. The selection ratio was 1:15.

Most of the IITS, RECS, and VJTIS had toppers who were absolutely useless. They could not draw a Carnot cycle, could not tell the difference between a diesel and petrol engine. Give them an elevation and plan they could not draw the side view. Most of them were focusing on writing code. But we found gems, we found guys who were passionate and knowledgeable but could not express in English. I started conducting interviews in Hindi, Marathi, Telugu, Tamil and so on.

There was another company doing the same TVS. South based, they also built a great R&D.

Year 2005, Chinese motorcycles attacked India with products which were 30% cheaper. Many dealers started selling them. Press predicted demise of Indian manufacturers. Within 6 months they went broke. Their quality was no match to Indian motorcycles. They never came back again.

Bajaj then stared attacking them in Africa. Africans had two choices; buy expensive Japanese motorcycles or cheap Chinese. Chinese motorcycles used to come in a box. You buy the box and take it to a mechanic and he will assemble it. In Nigeria motorcycles are used as taxis. So no one is going to pay you a dime more. In such a market Bajaj launched it’s fully assembled motorcycle. Priced more than Chinese less than Japanese. And worked hard. Today Bajaj is a market leader. TVS is number two. Chinese have been driven out. You can see videos of the love that the Okada (taxi drivers) have for Bajaj Bikes. Country by Country in Africa.

In South America Indians captured the market driving the Chinese out.

In 2018 India became the largest manufacturer of two wheelers in the world (twice the size of China). Indian companies have started buying out European Brands. The market leader of motorcycles in Europe is not BMW, its KTM owned by Bajaj. China is slipping fast not only in the manufacturing of Bikes also in the manufacturing of components. Indian suppliers are beating them hands down. Between three Indian Companies Hero, Bajaj and TVS India today dominates the world market. Honda a Japanese company has shifted most of it’s R&D to India.

Why was this not done in TVs, in Computers, in Mobile phones, in Pharmaceuticals and other industries? The same country, the same labor laws, the same infrastructure but not the same entrepreneurs. Indian businessmen are characterized by a myopic vison—it’s both short term as well as geographically limited. Of course, the government also does not help.

So, who is responsible for the Chinese dominance—the government, the people or the Corporates?
I think its all the three. When even ITI trained turners and fitters refuse to work in a shop floor, when a Stock Broker is paid more than an Engineer, when typing code is mistaken for technology, when governments refuse to amend antique labor and land laws when corporates think local and not global and finally when you, yes you, will not send your son to work on the shop floor, each one of these factors is as responsible for the Chinese dominance as much as their “Ethical Corruption”. We have been looted because we left our doors and windows open.

No this article is not supporting the Chinese. How dare they work so hard? And how dare they obey a communist government? We should stop buying all their goods and we will make every thing in our country. But we will work nine to five with a three-day weekend. We will overcome. One Day!!

-Rajiv Bajaj(MD, Bajaj Auto)

Swiggy & Zomato will enhance business growth.

Until the event of covid 19 and outburst of Corona virus pandemic, there are several businesses that’s have lost and had to shut operations, however there are other new businesses, that has newly evolving even better.

The rise of eCommerce transaction specific to purchase of essential commodities have seen a double digit growth which will increase further.

Everyday you hear news of big FMCG giants entering into e-commerce space as well. The latest among them being Hindustan Unilever limited India.

Another interesting development of a new service from food delivery platforms like swiggy are what they term as genie, I personally found it incredibly helpful, where a swiggy delivery boy would come to your home pick up what you have to deliver and deliver it to the person you want to give it.

The next big retail disruption in India.

Recently owing to me being in qurantinne I could not get out of my home and I received a cheque which I had to deposit to my bank where I used swiggy genie service where a delivery boy came and picked up my cheque delivered to my bank and the bank did the rest.

So what’s the new outcome of such services

Swiggy can become a logistics player.

Courier services may need lesser branch offices. (job loss)

Home based home cooked meals will gain traction as house wife will see a potential to earn money being at home. From home meals to baked cake to lasagna. Home made, home cooked food will certainly have takers added to digital payments can pose a threat to restaurant business.

Most food delivery boys would be using a two wheeler where they may be unable to carry the heavy load of provisions that a customer can order therefore swiggy will now start negotiating with auto rickshaw drivers for delivery. (New business development)

The next logistics value chain

Similar to cloud kitchen, there shall evolve cloud supermarket that’s offer incredible value for money proposition.

Remember Ola cabs has already working on such a model and pilot testing is being operational in Bangalore.

At this juncture many are losing jobs and once a very famous job interview question, where would you like to see yourself 5 years from now, will have absolutely no significance, as many jobs that exist today may be extinct by then.

And if you thought Tesla is competing with Porsche’s Taycan, Audi e-tron, Mercedes EQC, well then remember SONY Corporation Japan, with their production ready Vision S, may be the biggest competitor to Tesla.

Sony Vision S, potontal threat to Tesla.

Hisham Kabir

9846019536

Coronavirus Impact: Demand for ready-to-eat foods gathers steam; sale increases by 20-30% – The Financial Express

Companies are ramping up distribution through tie-ups with e-commerce firms and food-tech platforms
— Read on www.financialexpress.com/brandwagon/coronavirus-impact-demand-for-ready-to-eat-foods-gathers-steam-sale-increases-by-20-30/1979503/

This a positive indicator. I always says frozen is the future. India is yet to tap the immense potential that urban market provide.

Mondelez India, in partnership with Ogilvy India, has recently introduced a limited-edition Cadbury Dairy Milk ‘Thank You’ bar by giving up the Cadbury Dairy Milk logo on the pack, in recognition of the generous spirit of the country’s unsung heroes during these difficult times.


Mondelez India, in partnership with Ogilvy India, has recently introduced a limited-edition Cadbury Dairy Milk ‘Thank You’ bar by giving up the Cadbury Dairy Milk logo on the pack, in recognition of the generous spirit of the country’s unsung heroes during these difficult times.

Santizer sales post Corona virus pandemic.

Will sanitizer sales increase post corona time. Answer is YES.

Big brands like dabur have already started with their sanitizers.

Interestingly a popular biscuit manufacturer PARLE-G have launched their own industrial hand sanitizer.

Parle g hand sanitizers launched in India

There will be sanitizer for men women and neutral with different fragrances.

Pocket sanitizer will see exponential growth.

Washing hands with soap will be the new normal. So those restaurant that keep good quality liquid soap will have a better imaging of quality on their commitment towards hygiene. This will increase their food sales as well.

Railway Station will see a exponential growth in sanitizers.

India being a sachet market we will see 5rs hand sanitizer in satchet.

Brands that stood for hygiene like dettol and lifebouy if they launch their products rightly priced then this new product will be a super success. Specially in urban and semi urban cities. tier 1 tier 2 cities.

Airlines may introduce their version of hand sanitizers.

#marketing

Brandbuyology hand sanitizer sales India post Corona pandemic
Hand sanitizer sales increase in India

Brandbuyology hand sanitizer sales India post Corona pandemic
Brandbuyology hand sanitizer sales India post Corona pandemic

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