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Cost of compliance- Measure it, Reduce it

Posted by Eff Team on  January 12, 2021
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Category: Blogs
Dodd and Frank act, claimed to be the biggest act ever, introduced in 2010 for regulating banks in US, affected the incomes of the banks (big and small) significantly. It is estimated that due to this law, the non interest costs of the banks in US have gone up by $ 50 billions annually. Smaller banks have been hit harder due to disproportionate increase in their compliance cost. In India too, the compliance costs have

Master the art of blending – with EFF Factor

Posted by Eff Team on  December 29, 2020
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Category: Blogs
Blended whiskies were considered as inferior product compared to the single malt. But the best voted whiskies like Hibiki, Taketsuru, are blended whiskies and are proving the notion that “single malts are the best” to be no longer true. Chivas Regal came out with the event last year called “The blend” to educate the whisky lovers the art of blending their own whiskies. At the event Chivas team supplied the guests, with 5 small bottles

Can levy of penalty prevent defaults?

Posted by Eff Team on  December 15, 2020
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Category: Uncategorized
Principal of a school was quite irritated with the parents coming late to pick up their children after the school was over. This was forcing some teachers to wait for hours till the last child was Picked up. Principal had a brilliant idea . The school started charging the parents Rs. 10 for each hour of delay. Did it work? The new policy was a disaster. Now, the grumbling teachers found that the number of

Carrot and stick or ?

Posted by Eff Team on  December 7, 2020
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Category: Blogs
Can aiming low make an ideal example for modern management theory? This is a story of men’s urinal at the Amsterdam airport. Where the janitor painted a realistic looking fly in the urinal near the drain. Men started aiming low at the fly to make it fly away and spillage around the urinal came down by 80%. Cost of cleaning reduced by 8%. This was a favorite example of the great Behavioral Economist T.H. Thaler.

Better decisions- Intuitive or Analytical?

Posted by Eff Team on  December 4, 2020
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Category: Blogs
A Bat and a ball cost together Rs.110. The bat costs Rs. 100 more than the ball. What is the cost of the ball? This simple question took wicket of many in the past. Whether person is an expert in the field of finance or not , most will give an answer that would be wrong. Reason is that the question appears to be so simple that most people presume that there is no need
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