Thursday, May 13, 2010

When will we move over to Online Insurance?

About two years ago, I received a number of job offer requests from "Insurance" sector. I thought is was interesting, as no other category has been able to move online, other than travel. The believers argued that Insurance was in a similar of evolution as travel and the portal will help consumers "compare" travel policies. The idea was to create a direct channel, that will help eliminate high cost of DSA. I guess the idea was ahead of its time in 2007, interesting model nonetheless.

I'm a non-believer and I still don't know how many people actually compare insurance policies before buying one. Or we buy policies only to invest. Until I saw my colleague demonstrate an example. My colleague wanted to buy a term policy for his home loan and used one of the comparison sites. Only HDFC StandardLife responded to his query and won his business.

Motor insurance, Health, Travel Insurance and Policy repayment are the easy catchment areas for Insurance category and would be the first ones to migrate (I pay my policy dues online and use the website for contact information).

Complex products are difficult for move completely online. Life Insurance, Endowment etc are best left as features on the website to be compared and most likely to generate a contact and should be followed up by sales representative for demonstration and explanation (this should reduce the irritating calls by the contact center executives)

When I run a search on Google, I get a handful of sites. Importantly, most of these sites, that i come across, are for the first time, hence i don't know how many people will trust this space. ICICILombard is the only know player and has been putting effort in getting people online (heard their jingle on radio today). Even a 2-3% of the overall marketing spends in the right digital initiative should help build this slow preference and will have gains in the long run.

I guess a trust of digital as a viable business model needs to be firmed up for the senior management and case studies that will help more experimentation.

In the meantime we will have to entertain the annoying calls from the executives, sad!

Cheers!


Thursday, April 29, 2010

In those lonely hours...


Of late, and after moving up in life, we decided to keep a driver. I realised that life was much more lonely and there was more free time at hand. Now on my way to office, I could work, browse and talk with the fear of being caught. These are the days when I got most "pal-ly" with my BB (6 months back got the latest 8520 curve).


Out of sheer ennui (of only boring office mails), also started using the mobile browsers and fiddled around the phone more. Tried a couple of browser (inspired from blogs)... Opera Mini, Mozilla and Blackberry browser. After using Opera mini a couple of times, I stuck to the good old BB browser. The experience was no way near using an iPhone, however good none the less in those lonely hours.

My life changed and for the first time I felt like a geek and i realised i was more social with a mobile than otherwise. Thanks to these applications and sites...

1. UberTwitter: Even after the launch of "Twitter for Blackberry" I have continued using Ubertwitter application, as Uber is very addictive for Twitter freaks.


+ves: Intuitive UI, fast and doesn't eat too much of space. One can clear cache periodically. The photo twit is fantastic. Just shoot with your mobile and tweet

-ves: The location function doesn't work properly (I guess more to do with our chaotic IP management than the application's). Also doesn't let you update the Facebook and other social applications simultaneously.



2. Facebook: I have never been a Facebook addict, till i got hooked on to the mobile application. This application like UberTwitter is fast and addictive.

+ves
: Facebook is best left at a free time, when one doesn't have much to do ( so that one doesn't have to waste productive hours at home or in office.) And this application lets you do that. One big positive is that the application is a simplified version of complicated website and yet one doesn't have to compromise on the functions. Very simple UI.
-ves: Takes a long time to update feeds and is very slow. The chat function is missing, which I feel is a great plus with FB. Moreover, if you get hooked, toying around with your phone in the night might send wrong signals to your wife.

3. gTalk:
For people like me, who don't have much to say, one/two letter chatting is a great option to catch up with people.

+ves: As simple and as fast as the orginal application. The notification as an email is a great feature.
-ves: Ensure that you log off each session, else you may get messages late in the night and might cause animosity with friends for not chatting. Also, there is no option to check GMAIL through the gTalk application.


4. BlackBerry Messenger: BB Messenger is a super option to save money. Best use is in case of international travel, where you could use the tool to connect with your professional friends (however, please ensure that you don't use the such as twitter/facebook which use huge amount of data.

+ves: Reduces sms charges and is pretty fast.
-ves: Adding people as contact is difficult. Best way to do that is by using PIN (rather than eMail).


5. Hindustan Times mPaper Application:I'm a HindustanTimes reader and therefore the bias for this application and also has section to read blogs of HT columnists- Indrajeet Hazra, Vinod Sharma, Vir Sanghvi among others, which in my opinion is HT's edge over any other news site.


+ves: Reader friendly, simple font and minimalistic design
-ves: Limited content, at times repitatitive between sections


6. Wap Sites: Following are the sites which I visit regularly...

a. Yahoo:
I like the UI and is the best in the category. The font size is very decent and page is vibrant. I used it a lot during the IPL. One can also check mails and log into messenger from here. Almost like being on Yahoo. The site is unmatched.


b. Rediff: Very extensive coverage and minimalistic design (unlike Yahoo). Content is limited but updated, but is not as engaging as Yahoo.

c. LiveMint.com: Great site for financial news. Updated content and generally good reading for a non financial folk. I quite like the content under "Life" section. Font however is small and you can't read for long.

d. TimesOf India & Eco Times: Only if you have missed the morning edition of TOI. You will get pretty much what the Newspaper has to offer. Small font and not very reader friendly.

e. Moneycontrol.com, & In.com: The only drawback with this mobile moneycontrol is that the portfolio section may not work at times. On the other hand in.com has very regular content, the only section worth visiting is the IBNLIVE news section.

f. NDTV Mobile: Very rudimentary design, but updated content. Worth checking out the site.

Life has changed and not that bad. It's a new world. I still miss my driving and make up for it on the weekends. (I guess one has to discover "work-life balance" in his/her own way.) I'm enjoying it nonetheless.

Can't wait to read reviews of Iron Man-2! Would love to preview on YouTube, however the speed on mobile sucks, big time.

Cheers!



Monday, March 22, 2010

Supporting Earth Hour Day 2010

Supporting Earth Hour Day 2010: "

Power cuts are pretty common in this part of the world especially during summers so most days are like an Earth Hour Day for a lot of people here. However, for the rest of us, power cuts don’t really affect work as we are lucky enough to have alternate arrangements in the form of battery inverters and diesel generators.


earth hour dateIf you are in the latter category of lucky people, and I am sure you do, please support the Earth Hour day on March 27, 2010 (next week, Saturday).


All you have to do is switch off all the lights at your place for one hour starting 8:30 pm (your local time). That’s it!


Earth Hour 2010 is a WWF initiative and is expected to be the largest climate event in history – let’s make this one a huge success and you’ll feel good about it for sure.


earth hour poster


Earth Hour Video












Supporting Earth Hour Day 2010

Originally published at Digital Inspiration by Amit Agarwal.

Saturday, March 20, 2010

The IPL Top 5 & Flop 5 TV Adverts

Today newspaper have mention on Anil Kumble's Book "Wide angle", Kumble's display of his s alternative career. The timing is right, as the IPL is hot right now and Deccan Challengers doing really well (The game against Rajasthan Royals was a complete stunner, great strategy and execution).

Amidst Excitement are these small ad breaks; I have no choice but to look at them. Here's my list of Top 5 and Flop 5 of The IPL Ad Campaigns.


Top 5 (in no order of preference)


Idea Cellular

In a category which has Airtel and Vodaphone, it is difficult to create another entertaining commercial. The standards itself are so high. In this ad, Abhishek Bachchan with a sidekick and a hot secy invites the viewers to "Ungli Cricket". Quite funny, esp the side kick is hilarious esp the one on drinks. The sidekick gets high and starts slurring.

Airtel
"Baat Karne Se Hi Baat Banati Hai". Great script, but could have been complete without Sharman Joshi in it.





Coke
Finesse defines this commercial, has no story, but a memorable track and Kalki Koechlin appeal. Imran Khan sizzles. Superb execution!



Havel's
This time the "Shock Laga" makes the whole family twist. The other ads are also in a similar league- "Uparwala Bachaye Na Bachaye, Havell Fans will save 40% electricity".

Vodaphone
Some of the ads in the series are interesting- the one on Gaming. Masterpiece is created only once. I wonder for how long can they sustain this campaign.



Flop 5 (in the order of preference)

Pepsi
Ranbir Kapur is completely wasted. Have no other words. It's long, complicated and the edit version doesn't make any sense. The more I see the more i get convinced of my opinion.



Samsung
The one that I'm taking about doesn't have Amir Khan. It has two doors and some arbit action
between the two doors. Fast and absolutely incomprehensible! Luckily Samsung does have that
version on the net!

Max New York Life
The Kid has brilliant expressions, however still haven't understood the relevance of Shiksha Plan in the whole scheme of things.

Thumbs Up
Death defying commercial, I wish Akshay Kumar did that. In this new commercial, he is being chased by a woman. Must be a client driven initiative (something on the lines of get woman to drink Thumbs up, or a universal appeal blah blah). I guess the woman folks liked Thumbs up and until this commercial. The track also a drag...




Mountain Dew
"Dar ke Age jeet hai" doesn't make a connect (guess the edit version is too rushed). The thrill of adventure and being on the edge is not there in the commercial.

Slice is the only good commercial from Pepsi's stable.

Hope someone's listening!

Cheers!