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Welcome to the Case Folio


October '10
Regular Features
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Articles

The Case of the Missing Mortgagor

-- Vighneswara Swamy and Debapratim Purkayastha

Making a Lending Decision

-- Suresh Chandra Bihari

BP's Continuing Safety Problems : The Gulf of Mexico Crisis

-- Syeda Maseeha Qumer and Debapratim Purkayastha

This case is about the Gulf of Mexico oil spill and the continuing safety problems at BP, one of the largest oil and gas producers in the world. The British oil giant with a history of repeated safety violations was held responsible for the oil spill in the Gulf of Mexico. The spill was caused by an explosion aboard an offshore drilling rig leased by BP. Eleven workers were feared dead and fifteen injured in the explosion. After the explosion, the rig sank 5,000 feet to the ocean floor and about 210,000 gallons of oil a day leaked into the Gulf for about 90 days. The case describes in detail the consequences of the oil spill, considered to be the worst ever environmental catastrophe in US history caused by an industrial disaster. According to experts, the oil spill would adversely impact the environment as well as human and marine life in the Gulf region. The case highlights the ethical issues involved in the disaster and examines BP's response to it.

Google's Problems in China (B)

-- Indu P and Vivek Gupta

Google, the leading Internet search engine based in the US, started providing its services in China in the year 2000. Though the company became one of the leading search engines in the Chinese market, it started losing its market share rapidly to local players like Baidu. In order to remain competitive, Google decided to launch a Chinese website www.google.cn and agreed to censor the content in January 2006. However, soon Google started facing problems, and its website was blocked several times in China. Google's other services like YouTube, Blogger, and Picasa were also blocked. In January 2010, Google reported that its corporate infrastructure had been subjected to a targeted attack from China and announced that it would not censor its results any more and was ready to shut down its Chinese operations, if required. The case discusses in detail, Google's operations in China and the events leading to its decision to stop censoring the search results. It also examines the impact of this decision on Google's operations in China.

Tata Indicom's "Pay Per Call" Tariff Plan for Prepaid Cellular Subscribers

-- Besta Shankar and Ramalingam Meenakshisundaram

As of 2009, the Indian telecom sector was growing rapidly in terms of subscriber additions, with more than 10 million new connections being purchased every month. There was fierce competition among companies in this sector to enhance their subscriber base. Besides, between the two competing technologies _ GSM and CDMA, GSM was the dominant technology in the Indian mobile telephony market. To attract more subscribers to its network, Tata Indicom, a CDMA-technology based brand of Tata Teleservices Ltd., launched an innovative tariff plan in September 2009 for its prepaid cellular subscribers. Marketed as the `Pay Per Call' tariff plan, this plan extended the pulse duration for all outgoing calls made from the home network to 10 minutes. This case discusses the implications of this plan for the service provider as well as the consumer, and questions if (and how) Tata Indicom should take a relook at the plan.

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Automated Teller Machines (ATMs): The Changing Face of Banking in India

Bank Management
Information and communication technology has changed the way in which banks provide services to its customers. These days the customers are able to perform their routine banking transactions without even entering the bank premises. ATM is one such development in recent years, which provides remote banking services all over the world, including India. This paper analyzes the development of this self-service banking in India based on the secondary data.

The Information and Communication Technology (ICT) is playing a very important role in the progress and advancement in almost all walks of life. The deregulated environment has provided an opportunity to restructure the means and methods of delivery of services in many areas, including the banking sector. The ICT has been a focused issue in the past two decades in Indian banking. In fact, ICTs are enabling the banks to change the way in which they are functioning. Improved customer service has become very important for the very survival and growth of banking sector in the reforms era. The technological advancements, deregulations, and intense competition due to the entry of private sector and foreign banks have altered the face of banking from one of mere intermediation to one of provider of quick, efficient and customer-friendly services. With the introduction and adoption of ICT in the banking sector, the customers are fast moving away from the traditional branch banking system to the convenient and comfort of virtual banking. The most important virtual banking services are phone banking, mobile banking, Internet banking and ATM banking. These electronic channels have enhanced the delivery of banking services accurately and efficiently to the customers. The ATMs are an important part of a bank’s alternative channel to reach the customers, to showcase products and services and to create brand awareness. This is reflected in the increase in the number of ATMs all over the world. ATM is one of the most widely used remote banking services all over the world, including India. This paper analyzes the growth of ATMs of different bank groups in India.
International Scenario

If ATMs are largely available over geographically dispersed areas, the benefit from using an ATM will increase as customers will be able to access their bank accounts from any geographic location. This would imply that the value of an ATM network increases with the number of available ATM locations, and the value of a bank network to a customer will be determined in part by the final network size of the banking system. The statistical information on the growth of branches and ATM network in select countries.

Indian Scenario

The financial services industry in India has witnessed a phenomenal growth, diversification and specialization since the initiation of financial sector reforms in 1991. Greater customer orientation is the only way to retain customer loyalty and withstand competition in the liberalized world. In a market-driven strategy of development, customer preference is of paramount importance in any economy. Gone are the days when customers used to come to the doorsteps of banks. Now the banks are required to chase the customers; only those banks which are customercentric and extremely focused on the needs of their clients can succeed in their business today.

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