Monday, March 9, 2015

Not Just Bengaluru, Not Just India: Women Deserve Every Street In The World - Article pubslihed on Womens Web

Women have every right to be out in any public space in the world, whether in Bengaluru or any other city. 

Women are molested in public in Bengaluru, in mass. Bengaluru’s posh Brigade Street earns the shameful moniker as the ‘Grope Street’ for the largest numbers of groping per square foot. Supposed legislators of the country make more shameful statements that make you wonder if he lives in India or in Taliban country.

But that’s not all. A glance at the comments below the YouTube videos covering this legislator’s statements or news articles covering the New Year’s Eve incidents reveals that some people – both men and women – are stating similar things as that legislator. “If women go out at night, what else do they expect”, “Why do they wear western clothes and invite attention?” “If they drink and go out at night, aren’t they only asking for it!” 

The same night in Bengaluru a woman returning from work walked the short distance from the where auto-rickshaw dropped her to her house. She was caught by two men on that short walk home and she was molested.

On the one hand, we all need to raise awareness on this issue. Groping is not acceptable. Molestation is not acceptable. Rape is not acceptable. The more we talk about it – in the mainstream media, social media, in our workplaces, homes, schools and colleges, on the streets, everywhere – the more that will get understood.

However, I do not want India or any city or town or street to be branded as the ‘rape capital’ or ‘molestation town’ or ‘grope street’ of the world.

Moreover, New Year’s Eve is not the only time when women are molested. As I wrote on my blog in March 2015, women in India face varying degrees of molestation anywhere, anytime. Whatever possible, whenever possible, however possible, men want a piece of it…anything for a feel of a woman’s flesh.

Women do not need to be out at New Year’s Eve, drunk or not drunk, to be groped or molested or raped. They could just be going to school or college or work and it could happen. Or it could happen in their home.

Many people watched the movie “Pink” and raved about it as a movie that everyone should watch and show their daughters and sons. However, how many of the same people think differently when an incident like Bengaluru takes place – that if a woman is out in the night on New Year’s Eve, what she was wearing – jeans and T-shirt, or skirt or dress, or saree or salwar suit – determines if she deserved to be molested? How many think that what she drank – whether it had alcoholic content or whether it was just fruit juice or tea or coffee- determines if she deserved it or not? How many think the time she is out – day or night, before 12 AM or after 12 AM – determines if she asked for it.

What is shocking about the statement of ministers who say that “this happens routinely” (“aisa hota hai”) is that it may just be echoing the minds of many who think women “ask for it”. These are minds that think the primary responsibility of women staying safe should lie with women – so basically, they should stay at home, or if they do step outside, they should be accompanied by a male member – NOT a boyfriend (as by that too, she is “asking for it” as boyfriends are a western concept?), but husband or another male family member. And they should dress “appropriately”.

But guess what – when individuals molest women or when mobs strike, that male person accompanying the woman cannot do anything. For that matter, even 1500 police can’t do anything when it is happening. After the incident, police are unable to catch the molesters, even though some of them may have their faces shown in the CCTV coverage.

And what about the women who are groped and molested just going about their daily work or studies? Nothing wrong with their clothes, but surely they must have given some kind of a “look” that invited groping and molestation?

We need media to cover this with greater insight

I titled my blogpost in 2015 as the Great Indian disease; knowing well that this does not happen only in India, I wrote about what I and many women face(d) in India. The intent is to ensure that people’s mind sets start changing among men and women. The intent is that people take molestation and rape seriously. The intent is that women start talking about the difficulties and insecurities they face with their body – because by talking about it, they will raise awareness. And hopefully people will not judge them as having “invited” a molestation, or “asked for it”.

This Singapore newspaper clip is of two Malaysian ladies who were molested at a party on New Year’s Eve at Sentosa. But in Singapore, men and women and girls and boys are safely traveling by public transport on a daily basis, or flocking to the streets in huge numbers for festive celebrations without groping incidents.

The same newspaper in Singapore has posted news of men who are sentenced to years of jail and caning for groping a woman’s breast, or a yoga instructor touching a woman’s upper thigh, or any kind molestation. Interestingly, in every news report, the picture displayed in the news is that of the molester and not of the victim. Each time the news is posted on the crime and on the criminal getting caught and sentenced, I believe it deters other criminals.

Women all over the world face the brunt of the show of power among men – through kidnapping and rape, molestation and violence. And it’s not okay anywhere in the world.

I feel sad when in so many forums outside India (not just by mainstream international media), incidents that take place against women in India get mileage. In addition to Indian mainstream media covering the Bengaluru molestation incident, the New York Times, The Guardian, Straits Times are among many who have covered this incident. As they cover other such incidents that occur in India. And each time, those living outside India and in India believe every woman in India has been or will be raped, or every woman who steps into any part of the country is a target of molestation.

One just needs to take a look at the comments in the local news, or discussions among locals to understand the extent to which India gets branded as the worst place for any woman. Which is not the case. India is a wonderful country with ample opportunity for women who shine and rise. Albeit just as in many places around the world, it is sad that the women in public spaces here too need to keep one eye (often both eyes and a sharp object at hand) on their whereabouts to ensure there is no untoward advance made toward them.

So dear Indian and international media, if you could please do away with the monikers and labels you are so enthusiastically doling out. Covering these incidents through sensational headlines and labels do catch eyeballs and are great click-baits for you. But please figure out how to balance out your news.
There is a lot to be done to ensure women can rightfully claim public spaces. That is why I support movements like #WhyLoiter where women are encouraged to step into and “loiter” in public spaces in large numbers to make it safer for them to be in them. We don’t need to be at home to stay safe; rather, more of us need to be out to ensure we are making it safer for ourselves and for other women in public spaces.
It is movements like these and many others, and conversations at home and in workplaces, in schools and in colleges, on a regular basis that will help change the mind set and establish a common understanding that women have a natural right to be safe in public spaces.

This article was also published on Women's Web

Tuesday, February 3, 2015

Your Data to Data Mine - The growing power of data from Facebook to Financial Services


If you were told Facebook knows you better than your therapist, would you believe it? With growing research pointing to this, you may as well start believing it. Research by Stanford cites the growing capabilities of computers to predict your personality accurately from mining data from your actions on social media (yes, including those Facebook “likes”): “After 10 likes, the computer could better predict personality than a coworker; after 70 likes, the computer outperformed a friend or a roommate; after 150 likes, the computer was more accurate than a family member; and after 300 likes, even a spouse couldn’t beat Facebook." This is actually not as bizarre as it may first appear.

When we look at all our transactions in the digital world (read as via the web, mobile, tablet), that heady mix of online purchase of clothes, books, music; of news consumed or subscribed; of statuses updated on social platforms like Facebook or Twitter or LinkedIn, what we have is a strong "digital footprint" developing. Companies and entire industries have been collecting and studying all this data from our digital footprint, to analyse and make sense of what it means for understanding their customer better, and of course what it can mean for their business. 

While "understanding the customer” is as old as business itself, this gains larger dimension and import in the digital world and in the context of data mining. First, there is a lot of data that can be tracked from people's digital footprint, which was possible in a much more limited manner in the offline world. Secondly, with people becoming "digital consumers" in so many spheres of their lives, organisations are able to inch closer and closer to getting that 360-degree view of their consumers. Thirdly, amount of data generated digitally is massive. And with computers retaining and accessing large quantities of information, and analysing all this data through algorithms, mining all that data becomes not only possible, but also very useful. A simple but effective example we see all around us is with the cross-sell opportunity that organizations have when they aid consumers with “Recommended" or "People who bought this also bought this" or "Maybe you would like this" when we buy books, or music, or view restaurant ratings online.

So what is the data mining story when it comes to banking and financial services? 
The latest news to catch attention in the financial services sphere has been how Alibaba is tapping into vast records on the online spending habits of its users to provide credit ratings on consumers. Alibaba is gearing up to gain a stronger assessment of a customer's creditworthiness on the basis of a better financial understanding of customers gleaned through data. And it is gearing up to make credit more readily available to millions of people across China that today do not have access to credit. 


It is interesting to see the various kind of sources that Alibaba will tap into for mining and analysing the data: To start with, for a customer personality profile - the users' credit history, online shopping preferences, repayment ability, personal information and online social networking activity. To determine credit scores, the spending and savings behaviour of Ant Financial’s more than 300 million real-name registered users (which incidentally equals  nearly a quarter of China’s population). It will also tap into data on 37 million small businesses that buy and sell goods on Alibaba’s shopping websites. And it will have access to the payment histories on Alipay (an online payment service similar to eBay’s PayPal). 

Data mining has proven to be an effective tool for the banks especially in the credit card industry in fraud detection (unusual purchasing / fund transfer) and risk management (continually exceeding credit limit or charging an unusually large expense on a card otherwise not used). There is a treasure trove of data available in credit card statements or electronic payment transactions that get routed through them. It is important for banks to ask themselves - Are we utilising that in an effective manner? Are we gaining a better understanding of customers, their behaviour and their credit worthiness? 

A lot can be gleaned about customers by understanding - Who is spending (customer segments - existing and potential), On what (product categories and lines of business), Where (on retail as well as online sales channels), and Through which payment channels (via cheque / credit or debit card / online banking channel, etc.). The over-arching goal for banks is to increase a consumer's "share of the wallet” for their banking products and services, address their customer relationships with greater focus and bring in greater relevance in products (right from Personal Financial Management to lending and relevant reporting), pricing, and channel. And with the growing risks of disintermediation of banks, they need to figure out how they can entrench themselves deeper into their customer's lives through more consultative and advisory roles rather than the more easily commoditizable transactional roles they may be getting reduced to playing.

Note: This is part of a series of posts I will be covering on some of the imperatives being faced by banks today, touching upon topics such as digitalization of banking channels, the role of the cloud, corporate to bank connectivity and the regulatory framework.

Additional references:
  1. McKinsey on advanced analytics are redefining banking 
  2. McKinsey on innovative ways that Asian banks can create actionable insight from customer data
  3. Banks can improve Retail Profitability with Enhanced Profitability Data
  4. Keybank moves to data driven decision making
  5. Banks Use Big Data To Understand Customers Across Channels