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oday s Indian Express carries an interview with outgoing IIMA director Bakul Dholakia. he report carries the following item in a box: No three-month extension for Bakul IIM-A directors have always been given three-month extension after the expiry of their term. his was done to facilitate the handing over of the charge process to the next director, as the selection process for the same is a time-taking affair. For Prof Bakul Dholakia, however, October 9 is the last day of his term as also his last day in office. Sources in IIM-A said the chairman of the governing body of IIM-A, DrVijaypat Singhaniya, had written to Union HRD Ministry seeking an extension of Bakul s term until the next director is appointed. It has been learnt that an explicit communiqu? has been issued to Dholakia to hand over the charges on the last day of his term he report is factually incorrect. In 2002, the then outgoing director too was asked to hand over charge the day his term expired. If the suggestion is that Prof Dholakia is being single out for special treatment by the MHRD, that is completely erroneous. In previous rounds, yes, there were occasions when the director s term had got extended until the appointment of his successor but not all the time. Leaving aside the historical record for the moment, isn t it a good idea to have fixed terms for such positions? Is it not a healthy practice for the director to step down when his term expires and for somebody else to hold temporary charge till the new director takes over? IIMA and its governing council should have instituted this practice on their own in the interests of good governance- that is the least one expects of the nation s top business school, many of whose faculty have made careers out of preaching governance to the rest of the world. If they failed to do so and if the MHRD has now instituted an altogether healthy practice- of adhering strictly to the a director s term limit- then the ministry surely deserves bouquets, not brickbats. Labels: Education, Media

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I know VISA is behind the curve when it comes to the contactless payment technology, but now that they have stated they will implement, it creates a lot of questions. I think this is how your M-Commerce starts but is also creates a conundrum of sorts for service providers. From Finextra.com Visa launches contactless payments system in US . Visa has completed development of its contactless payments system and is ready to begin deploying chip-based payment cards featuring the technology in the US. he system, which uses radio-frequency identification RFID technology, allows consumers to pay for purchases by waving their in front of a point-of-sale pos terminal tequipped with a contactless reader. All other aspects of the contactless payments are handled in the same way as a traditional transaction. Visa says the system will make the purchase process faster and easier, while offering all the same security protections as traditional payments. MasterCard s contactless PayPass and American Express s ExpressPay are already in use. I say this is the start of M-Commerce, but not like most expect it to be. It s mobile, but it doesn t go through a service provider. MasterCard is already working with Nokia and Motorola to incorporate the contactless payment solution in some of their mobile phones. Will VISA announce they are working with a handset manufacturer too? When the contactless payment credit card gets incorporated into mobile phones, how will this affect the wireless service providers? here are many mobile marketing campaigns being introduced that allow you to send a text SMS to a certain merchant s code and the charge then goes on your cell phone account. his is mainly being used for small purchases and any type of locations where it is difficult to use a credit card taxis . I think most imagined M-Commerce to be, click on an item with your phone and purchase with your service provider account. his would allow service providers to generate revenue from data traffic. Now that the credit card companies have lowered the minimum purchase requirements , will it be easier just to wave your cellphone to make that 5 purchase than to send a text? In order for this to work, the contactless credit card reader will have to be ubiquitous. But it represents a huge opportunity for the credit card companies. What it could do though is jeopardize a major revenue source that the service providers were forecasting. If these readers are installed in a majority of retail establishments, and you can just wave your credit card phone , are you even using the service providers network? Would credit card companies have to pay service providers if they run their data through the internet or through a closed network? When the credit card is scanned, the info travels through whos network? Would I rather wave my phone to pay for every item than cash? I get miles and a detailed summary of every transaction of everything I bought for the month. Is there a fee for every one of these transactions, albeit small .05, .50 . If waving replaces cash, the transaction company that gets these fees will see some enormous volume. Will AM machines have to be retrofitted to accomodate the ability for contactless credit cards? What will this do to the company s that make the swipe only credit card machines. For places situations that don t have the ability to install one of these readers, the credit card company could create their own short code VISA 8572 . Instead of waving, you could send a text and have the purchase done this way, but that would involve using the service provider. he key to this is when credit card readers become accepted in all retail locations. hat is why I think it makes a lot of sense for a credit card company to get hooked up with a service provider.

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I found this article of interest. Not only because how big this market is, but how easy it can be penetrated. From NWA News.com For credit card cos, no purchase is too small for plastic. For years, Marcia Levi refused to accept either credit or debit cards for purchases under 10 at her downtown gift shop, Chocolate Moose. Customers complained. She lowered the threshold to 5. Customers still complained, so two years ago she gave up on any minimum. People come in and charge 2.25 for a card or 1.75 for jelly beans, said Levi, who co-owns Chocolate Moose with her sister Barbara. It 8217;s annoying. In the past two years, they 8217;ve just whipped out the card without thinking about it, no matter how small the purchase. he persistence of her customers was no accident. Visa International, MasterCard Inc. and other card companies are working hard to make sure that no purchase is too small for plastic. Faced with a saturated market where just about everyone who wants a credit card has one, the companies have set their sights on what by one estimate is the 1.32 trillion in cash spent every year on purchases less than 5. Emboldened by consumers willing to download songs at 99 cents a pop or cell phone ring tones at 2 apiece, card companies are courting fast-food chains, taxi- cab companies and parking-meter manufacturers that have traditionally accepted only cash. Card companies tapped out the low-hanging fruit within the merchant community, said David Robertson, publisher of the Nilson Report, a payment card trade journal. Now they 8217;re going after merchants that have been reluctant to accept credit and debit cards. Visa and MasterCard 8212; joint ventures made of up of thousands of banks that issue credit and debit cards 8212; prohibit merchants from setting minimum payments. American Express, which issues it own credit cards, discourages minimums but allows them if the merchants apply the same limits to other cards they accept. Card company executives recognize that the fee structure is a deal-breaker for many of the cashbased merchants they 8217;re pursuing. When Visa stopped requiring signatures for purchases of 15 or less in 2003, it also relaxed the merchant fees it charged. As a result, Visa transactions at fast-food restaurants nearly doubled in dollar value between 2003 and 2004, Pascarella said. Another pitch is faster transactions. Swiping cards without signing receipts is much faster than fumbling around for pocket change, they say. And now, all the major card companies are experimenting with getting rid of the swiping altogether so that transactions move even faster. Combine no minimum dollar amount requirements and a contactless solution no paper, or keypads and you have created an entry to a 1.32 trillion dollar market. his will be done with a contactless credit card, sending an SMS, or waving your cellphone over a reader. It s easy, quick, hassle free, gets miles and you get a monthly statement itemizing EVERY purchase. his creates a huge opportunity for credit card companies AND service providers in my opinion.

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By Etienne Gibbs Dr. Denis Waitley, trainer of leaders, including Super Bowl and Olympic athletes, Apollo astronauts, and Fortune 500 executives, is the most listened to voice on personal and career achievement and the author of the all-time best-seller, he Psychology of Winning claims that the 21st century is unlike anything we could have imaged. According to Dr. Waitley, the employee today needs to learn how to: make his career fireproof; go from employee to owner; change his frustration to motivation; make work work for him rather than against him; create a new source of income and financial security; create win-win situations for himself, his family, and his friends; take charge of his health and his life and, it goes without saying, the health and life of his family . he kind of professional career and business we need to be looking for is one that offers the following: a clear and elevating mission to help improve the quality of life; the finest quality products and services in the industry it serves; an environment that fosters empowerment; the opportunity to succeed on ones own merits and efforts; and a growth opportunity that is soundly capitalized, with staying power, resources, and integrity weighed before profit as the ultimate bottomline. herefore, to survive and thrive in the 21st century, Dr. Waitley we jump on the entrepreneur reality . here are many opportunities available, and Im sure your email is bombarded daily with such unsolicited opportunities; however, I encourage you to look carefully for one that offers you the opportunity for your state of mind, your state of health, and your state of lifestyle to accelerate in fast-forward to a level enjoyed only by those who become the CEOs of their own lives. hey are the ones who go from employees to owners and from victim of change to victors of change. hey are the ones who are truly maximizing their potential. I further suggest that you look closer at opportunities that offer you the opportunity to: Protect he Future Of Your Family Be Recognized As An Authority Get Rid Of Aches And Pains Have Security In Old Age Express Your Personality Live a Healthy Lifestyle Gain Freedom From Worry Be First At Something Replace he Obsolete Be Among he Leaders Avoid Physical Pain Enjoy Exotic astes Overcome Obstacles Be Your Own Boss Make Work Easier Win Advancement Be A Good Parent Remember: When you maximize your career potential, everyone wins. When you dont, we all lose. Etienne A. Gibbs, MSW PERMISSION O REPUBLISH: his article may be republished in ezine, newsletters, and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to publish is appreciated but not required. Etienne A. Gibbs, MSW, Management Consultant and rainer, conducts seminars, lectures, and writes articles on his theme: ... helping you maximize your potential. Get a free health assessment at http: eagibbs.usana.com or other resources at http: www.maximizingyourpotential.blogspot.com. Email: eagibbs ureach.com. Article Source: http: EzineArticles.com ?expert Etienne Gibbs http: EzineArticles.com ?What-Everybody-Ought-o-Know-About-How-o-Change-heir-Career-or-Profession-and-Still-Survive...id 8352 yahoo search spamming seo spamming google seo

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