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Invite Friends   From the Editor's Desk If you want to be smarter, build in an hour of daily contemplation The word "genius" is one of the most misused terms in history. While it's often referenced accurately, the connotation that we commonly associate with it diverges away from the truth. We correctly label intellectual brilliance and creative power as genius - and we should - but it's about time we stopped assuming that those things arise from talent or inborn giftedness alone. In fact, more and more research is showing that while talent is indeed responsible for some extraordinary results, most accomplishments generally result from a combination of practice, habit, and mindset. Continued here Read TradeBriefs every day, for the top insight! Advertisers of the day Columbia Business School: Executive Program in Management | Starts Nov 2019 | Apply Now to get early application benefit of USD $3000 Columbia Business School: Apply for Digital Business Leadership Program | Alumni Benefits | Avail USD $3000 early application benefit Our advertisers help fund the daily operations of TradeBriefs. We request you to accept our promotional emails.     Which Indian Companies Are Unicorns? Startups valued over $1Bn are termed as Unicorns. India is home to 31 Unicorns today, with consumer service startups leading the charts. How Will Artificial Intelligence Change The Banking Industry? There are multiple reasons for the increased adoption of AI in banking sector & artificial intelligence is becoming a part of the daily ops. Logistics company Rivigo losses more than double to Rs 510 crore Last week, the firm said it expects to become cash breakeven in FY20.  Already a unicorn, Rivigo is likely to raise another round of funding this fiscal. Sources said the firm is in talks to raise up to $100 million. A downturn in India reveals the desperate need for deeper reform Narendra Modi is belatedly making changes, but will they be enough? Soon, you can pay via UPI all over the world The NPCI is working to enable this feature within next 6 months, starting with UAE and Singapore, sources said. Simply put: Why interest rates aren't falling Since February, RBI has cut its interest rate by 135 basis points. Yet, bank lending rates for new loans have not fallen by much while interest rates on many existing loans have actually gone up. What explains this? As India aims for $5 trillion economy, direct tax data show wealth concentrated in 3 states The latest data released by the Central Board of Direct Taxes show Maharashtra, Delhi and Karnataka contribute 61% to India's total direct tax revenues. Virat Kohli breaks Mohammad Azharuddin's record for enforcing most follow-ons On the previous seven occasions Virat Kohli enforced follow-on, India won five times while the other two times ended in a draw. Muslim Law Board Moves Top Court Against Triple Talaq Law The All India Muslim Personal Law Board (AIMPLB) Monday filed a plea in the Supreme Court challenging the law which criminalises instant "triple talaq". How India's farmers are using technology to feed more than a billion people Hundreds of millions of people in India depend on farming for their livelihoods, but many of them struggle with losing crops to disease, getting them to market or achieving the right price when they do. Several startups are trying to change that. Post govt nod, SpiceXpress drones moving to the runway Catering to fast-growing e-commerce sectors, SpiceXpress, the cargo division of SpiceJet has partnered with Throttle Aerospace Systems to use beyond visual line of sight (BVLOS) drones for very urgent deliveries hoping to start by early January. Many countries have cautioned on rushing into cryptocurrencies: Nirmala Sitharaman The RBI has banned the use of cryptocurrencies in India. IT Ministry, Google tie up for 'Build for Digital India' Ongoing efforts by Kerala Startup Mission (KSUM) to encourage production of socially beneficial products have got a fresh fillip and recognition, as the Union Government has joined hands with Google t How to manage top talent and retain your best employees Listed below are a few ways that robust succession planning mechanisms can help you retain the finest of skillsets to maximise your company's productivity IT Ministry, Google tie up for 'Build for Digital India' Ongoing efforts by Kerala Startup Mission (KSUM) to encourage production of socially beneficial products have got a fresh fillip and recognition, as the Union Government has joined hands with Google t 'Tying diversity to salary too soon scares people' My biggest learning has been never to underestimate the challenges of an individual.I have been working in D&I for long enough to believe that any organization and leader can change and transform Ola exodus continues, 6 top executives leave international operations Six senior executives of the Uber rival have resigned from in the UK, Australia and New Zealand Cable TV players spar with Trai over prices Subscribers are paying for channels they don't want to watch OBEETEE forays into retail space in India The Indian heritage brand of hand-woven carpets opens its first studio in New Delhi. Protest over budget hotel pricing model Kolkata: An association of budget hotels and guesthouses in Kolkata staged a protest before the office of a leading hotel room aggregator and alleged . Railway Minister flags off 9 'Sewa Service' trains connecting small towns to major cities The nine "Sewa Service" trains were launched without any additional investment by the railways, connecting small tows to major cities around them. "Physical retail will continue to become more experiential": Karan Kumar, Fabindia The Indian retail chain has opened its 24th experience centre Passport to success: How restaurants can make international expansion work Expanding to other countries creates a new revenue stream for restaurants, but they have to find the right partner, market and menu items to be successful. NBFC crisis: Indian banks could face a $50-billion capital shortfall: Fitch The weakest, including those with Viability Ratings in the 'b' range, would face heightened solvency risks without capital injections from the government, the rating agency said RBI bans use of agents to chase loans The regulatory decision is aimed at reducing data theft and minimising operational risk for banks India's wealth versus GDP: Which one is real indicator of economic health? Is GDP growth rate the real indicator of economic progress of India's economy? How much weightage should be given to reports on wealth creation in India while considering its economic health? Shoppers in top Indian metros continue to favour online shopping: Survey Over 60% of those surveyed said they are willing to spend over ₹15,000 this festive season.The preference for online shopping comes even as the country's small traders continue to be at loggerheards PMC Bank scam: Wadhawan father-son duo get judicial custody The ED produced Housing Development Infrastructure Ltd's chairman and managing director Rakesh and his son before special Prevention of Money Laundering Act (PMLA) court judge P Rajvaidya, after their remand ended. Inequality Is Out Of Control In India And It May Get Worse, Says Former IMF Economist Dev Kar View: The tax matter India must not cede ground on This should have been basic logic: MNCs must pay their share of tax in every market where they make a profit. India may soon break into the top 50 in ease of doing business, but what about the economy? Whiff of fresh air. India's economy is in crisis – and adulation for Abhijit Banerjee's methods won't solve it The Nobel winner is being championed by liberals because of his criticism of Modi. But his work contributes to reproducing poverty and inequality. A health check on Indias shadow banks shows the crisis is far from over Troubles began last year when major shadow bank IL&FS Group unexpectedly defaulted, prompting broader shock that made it hard for many companies to refinance debt Indian promoters claw back control Founders of Indian startups are looking at ways to take back control from investors. What are the implications?.Founders' attempts are driven by their need to ensure they don't lose control of their firms since, at most Indian unicorns, investors control an overwhelming majority of shares India doesn't need to stimulate consumption like China The underlying factors for slowdown in India are very different from that in China. Facebook and Amazon set lobbying records amid Washington scrutiny Facebook Inc. and Amazon.com Inc. set federal lobbying records in the third quarter as Washington ramps up oversight of the tech giants' business practices.Facebook spent $4.8 million, an increase of almost 70% from the same period the year before India's household wealth growth crawls, debt jumps: Credit Suisse study Household wealth grew by 5.2% in dollar terms in the year till 30 June against the 11% average growth in the 20 yrs to 2019.The report estimates that 78% of India's adult population has wealth below $10,000, while 1.8% of India's population has more than $100,000 SBI, OBC plan Diwali gifts after improved performance The competent authority in these two banks have issued instructions to distribute the Diwali gifts well ahead of the festival and that cash should not be given as gift in lieu of sweets/dry fruits/chocolates. Should Amazon, Flipkart Be Worried About Govt Scrutiny On Private Labels? The DPIIT asks private brands and digital payments businesses of Amazon, Flipkart to submit percentage of sales of its private labels From trickle-down to bottom-up, India needs to rethink its economics Investing in human capabilities will yield sustainable growth in the long-term. Delhi is showing the way CavinKare enters sweets-and-snacks retailing with first outlet in Chennai Firm plans to expand to 500 stores mostly in Tamil Nadu and Maharashtra; pilot store set up in Thane From trickle-down to bottom-up, India needs to rethink its economics |Opinion Investing in human capabilities will yield sustainable growth in the long-term. Delhi is showing the way Amazon and Flipkart have more than twice the site visits of next 5 other e-commerce companies combined Amazon hit 344 million visits, Flipkart and Myntra combined had 314 million visits in September. Snapdeal had 87 million visits in the same month. 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