Transfer To Another Branch Quotes

There is a crisis in contemporary mathematics, and anybody who has not noticed it is being willfully blind. The crisis is due to our neglect of philosophical issues. The courses in the foundations of mathematics as taught in our universities emphasize the mathematical analysis of formal systems, at the expense of philosophical substance. Thus it is the mathematical profession that tends to equate philosophy with the study of formal systems, which require knowledge of technical theorems for comprehension. They do not want to learn yet another branch of mathematics and therefore leave the philosophy to the experts. As a consequence, we prove these theorems and we do not know what they mean. The job of proving theorems is not impeded by inconvenient inquires into their meaning or purpose. In order to resolve one aspect of this crisis, emphasis will have to be transferred from the mechanics of the assembly line which keeps grinding out the theorems, to an examination of what is being proved.

H. Srikrishnan, then head of transactional banking and operations, gave me an example, ‘We looked at funds transfer—which was manual—such as MTs (mail transfers) and TTs (telegraphic transfers). When we implemented a centralized banking solution, the key things we could do were to sweep across multiple locations and get the balances of customers or transfer funds from one location to another using core banking. Those were big problems we solved.’ HDFC Bank was thus the first among Indian banks to have a centralized system. Whilst foreign banks like Citibank had centralized systems, they lacked the branch strength to fully leverage them. It is worth remembering that in the mid-1990s, banking didn’t really exist in the form that we know of today. Customers could open bank accounts, but the whole gamut of products (home loan, car loan, etc.) and services (Internet banking) was just not available. Salaries would still be paid by cheque and employees would have to take time off from their jobs to go to the bank, write a deposit slip, hand it over to the teller and then wait for the cheque to get cleared. Also, the employer would have to take time off to sit and sign numerous salary cheques to be given to all the employees. Compare this to the instant, online credit of salary today and a notification by SMS and email at the end of every month! HDFC Bank’s centralized technology platform allowed it to kick-off a revolution in how employees were paid their salaries.

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