Name : Dhyani Doshi

Roll No. : 19

1. Do you think NICT should take up PBI offer?

Answer: Yes. Because of the following reasons:
Large organisation- PBI
India Post had always been a vehicle for inclusive growth
Financial benefits to over 22 million people under the NREGA project a social service
scheme.
Fit into the business model of NICT
Sustainable social intervention
Regular employment and pay for the CSC VLEs.
Empowerment of the rural population through financial inclusion.
Probable outcomes: Harnessing scale economies, monopoly over technology in core
banking services
If the offer is rejected, then NICT will loss revenue and PBI may create substitute
mechanisms which may be adopted by SBI and BOI.



















Core analytic framework:
Decision making pasture
Accept Reject
Disadv. Corruption
and
inefficiency
Substitute
mechanism
Adv. Growth, rural
employment
Stability

Content and process
of building core
competencies:
Risk taking

Serendipity vs
planning based
success:Growth if
success else may
result into failure
Scope economies
based diversification
strategies:
Inclusive growth all
over India


Competency and
capabilities based
scale economies:
Infrastructure and
work culture


2. What are ramifications with respect to SBI & BOI if it takes up PBI offer?

Answer:
Inefficiencies and corruptions in NICT
PBI might unduly dictate terms against its current clientele like SBI, BoI etc
PBI workload might constrain NICTs flexibility to offer a diverse service portfolio affecting its
ecosystem and reputation