Transfin Newsletter

They say that: “Markets have a mind of their own.”

Leaving aside the statement’s maxim-like characterisation, who are we talking about here?

The Markets or the Market Watchers?

Why do we ask? Let’s face it…the former is plain fiction…merely a self-imposed framework (i.e. an “index” composed of weighted averages) to understand the system. Market Watchers make it real.

Consider this. It took Apple less than two months to lose the title of the world’s most valuable company. It took Microsoft even lesser. Let’s see how long Amazon lasts. Only in October Mr Bezos “shed a cool $19.2bn over two consecutive trading days“…so anything is possible.

Good time to revise Mark Hanna’s description of the stock market in Martin Scorcese’s 2013 The Wolf of Wall Street. Here you go…

On that rather gloomy note, moving on to Today’s End Of Day Wrap Up:

Lenders propose $900m turnaround plan for debt-laden Jet Airways.

The What: As per the plan proposed by lead creditor SBI:

  • Promoter Naresh Goyal and shareholder Etihad Airways are likely to infuse $450m together in the airline
  • Indian lenders to restructure $450m of the debt

Zoom Out: The plan is expected to be finalized by the end of January – before the 180-day period under the RBI’s 12 February circular which pushed for a timely resolution of stressed assets in the economy.

Perspective: If approved by all stakeholders, the implementation of the plan will result in a reduction of Chairman Naresh Goyal’s stake below the current 51%.

Ola in talks to invest in Myra Medicines.

The What: As per a report by Entrackr, the deal is expected to close by the end of this month. A potential acquisition is also on the cards.

Myra Medicines: Backed by investors such as Matrix, Times Internet and Dream Incubation, Myra Medicines delivers medicines, baby care, dental and hygiene products across Bengaluru and Mumbai.

The Big Picture: This will be an addition to Ola’s strategic alliances undertaken in the recent past, expanding its push into delivery business across segments.

Zoom Out: The ride-hailing service had injected $100m in Vogo, a scooter-sharing startup last month. Further, it had invested $200m in food delivery service Foodpanda in December 2017.

Chairman Eddie Lampert may get another chance to bid for Sears.

Perspective:  Chairman Eddie Lampert had earlier put forward a $4.4bn bid through his hedge fund ESL Investments to save the chain of department stores. However, as per a CNBC report, Sears Holdings had planned to reject Lampert’s bid because it did not cover the fees and vendor payments that Sears owes.

Last-minute: If Lampert is able to extend a $120m deposit by Wednesday, he will be allowed to participate in the bankruptcy auction scheduled for next Tuesday.

Click here to read a quick summary of the rather dismal tale of the 126-year-old American company.


Amazon begins testing for its payments platform in India.

The What: As per an Economic Times report, the tech giant has begun testing its native Unified Payments Interface in India with a closed user group. Amazon is working with private sector lender Axis Bank on the product.

Zoom Out: Amazon’s plan to enter the payments space had earlier hit a regulatory hurdle with RBI mandating that all payments-related data should be stored in India only.

Other Stuff: With the world increasingly growing digital, here’s an interesting article on how Chinese companies are planning a global fintech coup, but face a fundamental hurdle in India which has rolled out the UPI open architecture which obviates the need for a mobile wallet, connecting directly to a user’s bank account.


Govt issues guidelines to ensure smooth implementation of Ayushman Bharat.

The What: The guidelines seek to improve the supply of quality healthcare services to the general public.

Up Close: As per the guidelines, under:

  • Model I, a doctor owned hospital can have 30 to 50 beds
  • Model II a doctor manager partnership-multispecialty facility can have 100 beds
  • Model III, multispecialty hospital can have 100 beds or more

Zoom Out: The Pradhan Mantri Jan Arogya Yojana (PMJAY) was launched on September 23, 2018 to provide hospitalisation cover of up to INR5L per family every year to over 10 crore poor and the deprived families.

Digital Health: Dubbed the largest government healthcare program in the world, fundamental to ensuring the successful implementation of the scheme is building a strong capability in digital health. This would combine healthcare delivery with digital tools enabling better management and dispensation of healthcare services.

Are You a Know-it-All?
Which was the world’s first electronic stockmarket ? Until this came up in 1971, open outcry method was used to know the bid and ask prices of stocks.

(Answer at the end of newsletter.)

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Trivia Answer: NASDAQ

Seeing Eye Day

Did you know…

… that today is Seeing Eye Day? In 1929, The Seeing Eye was incorporated in Nashville, Tennessee. The company’s purpose was to train dogs to guide the blind. The Seeing Eye, Inc. is the oldest existing guide dog school in the world. Twelve times a year, as many as 24 students at a time visit the Morristown, N.J. campus to discover the exhilarating experience of traveling with a Seeing Eye dog.


Today’s Inspirational Quote:

“You can’t base your life on other people’s expectations.”

— Stevie Wonder



This year Pnut’s publisher has a personal, professional, and educational desire to learn more about the healthcare industry. The healthcare industry is one of the world’s largest and fastest growing industry. It also is now the US’s largest employer. If you’d like to join us in our exploration of healthcare, then the first book on our list is An American Sickness: How Healthcare Became Big Business and How You Can Take It Back. As always, we request and suggest you check the book out from the library as we have done. If you have thoughts about the healthcare or would like to recommend articles or books, then please email us at!
“There are more than 9,000 billing codes for individual procedures and units of care. But there is not a single billing code for patient adherence or improvement, or for helping patients stay well.” – Clayton M. Christensen

“Everyone should have health insurance? I say everyone should have health care. I’m not selling insurance.” – Dennis Kucinich


Newsletter by Amy Post – Interesting

ON NOVEMBER 12, 2018

For most of us marketers, November brings new light to our marketing planning. We dust off those spreadsheets and start planning those monthly and quarterly activities like a first grader seeing the first snowfall of the season. After all, those 2019 marketing, sales, and customer experience goals are just numbers on a piece of paper until there’s some good planning and strategy behind them.

To help guide your planning and marketing efforts going into 2019, here are some amazing stats you’ll want to keep in mind:

1. More than half of people worldwide use their mobile device over their desktop. (Source)

Since July of 2018, the stats are clear: mobile continues to be the method of choice, with nearly 53% using mobile compared to just over 43% who gravitate toward their desktop. All the more reason, every business website needs to be optimized for mobile across all devices.

2. Nearly 90% of marketers said improving their ability to track and their analyze marketing efforts is a top priority. (Source)

And doing so is easier than you think! With tools like HubSpot, you can monitor, track, and report on your marketing efforts to see what is actually working to grow your business. And although it isn’t the cheapest tool around, it’s worth it.

3. Roughly 70% of internet users want to learn about your products through online content versus more traditional advertising. (Source)

Create well-written, informative, and thorough content that answers the most common questions your prospects and customers will ask, and you’ll reap the benefits with increased sales and more satisfied customers.

4. The top five B2B digital marketing efforts include: Social media at 92%; eNews at 83%; website articles at 81%; blogging at 80%, and finally, in-person events account for 77%. (Source)

Social media still reigns king of the B2B space, but the other efforts should not be disregarded as they are holding a significant chunk of how B2B businesses market themselves online and in-person.

5. 57% of all content downloads are generating the leads with the highest conversion rates. (Source)

Keep in mind this is true only when the content is worthy of the download. Be smart about how you put forms on your website, ensure you are gating things that are full of tremendous value to the person filling them out. Otherwise, they will be quick to ignore your resources and go elsewhere for the information.

6. 60% of all marketers are creating a new piece of content every day. (Source)

Quality content is what your targeted audience wants and needs. So give them what they want! But not just any content—it needs to be robust and engaging for your audience. Today’s prospects and customers don’t want to have to work very hard to get answers online, make it easier for them by creating a ton of quality content that they can get at quickly and easily.

7. Want better open rates? Segmentation is key because open rates are 14% higher in segmented campaigns. (Source)

Customize, personalize, and make your email content resonate with the RIGHT people and your email stats (and your new leads and sales) should increase.

8. 71% of customers who report a positive social media customer service experience with a brand will recommend that brand to others. (Source)

Social customer support is more important than ever. Customers have access to your brand in new ways, and they will utilize them whenever possible. Find ways to deliver exceptional customer support via social media and they’ll be quick to share that with their friends both by word of mouth and with an audience on their personal social channels.

9. 94% of marketers use Facebook advertising on a regular basis, which means 3 million businesses are using the Facebook platform for marketing. (Source)

Despite what your teenager tells you, Facebook has staying power with 1.45 billion active users. They continue to enhance and grow the channel to help users connect and get the information they want and need from others.

10. The length of your content matters! Today, the average word count on the first page of Google is 1,890 words! (Source)

But keep in mind, Google is getting really good at reading that content, too. It will know if you just “keyword-stuffed” the content to hit a high word count number. Make sure it is quality, well-written content that is aimed to inform, not just convert. Those conversions will happen naturally if the content resonates with the audience.

As 2018 comes to a close, it’s important to start the planning so you can start 2019 with your best possible marketing, sales, and customer experience strategies in place. If you are interested in taking your efforts to the next level, contact ManoByte by clicking below. We’d love to be the partner you trust to strategize and implement revenue-driven solutions for your business in 2019.