Two countries; Same stories – Payment Banks

RBI made an initiative of opening payment banks in India in the mid of last decade. Towards the end of the decade, Singapore’s banking regulator, the Monetary Authority of Singapore, announced a similar initiative in the name of digital banks.

Thank you for visiting my blog today. I put my observations in front of you. You may express yourself in the comment section or hit the like button. In turn I’ll show you one of my favorite photos, shot by me, as my return gift.

I want to show the below picture for bloggers Tomichan Matheikal, Careena SoulStuff and Janaki janakiweb for their likes and comments during WRITE A PAGE A DAY 2023. You made my day! I captured it on a cloudy evening at Orchid Gardens.

IMG_0172//embedr.flickr.com/assets/client-code.js

Let’s move on. Both had the same motives, more or less: financial inclusion by expanding financial services to those in need, and effective services by bringing competition among the banks.

The markets were different in the two countries. India was believed to have many people out of the financial framework. Schemes like MNREGA, crediting subsidies directly to a bank account, helped the Indian government to include them in banking services.

Meanwhile, Singapore, being a small nation with focus and long-term view, already had effective banking services. In a way, it was a saturated market – most people were already using it. Digital banks were observed to be found more helpful for those with low incomes or daily wage schemes. With no minimum balance requirement, it was observed to be good for their customers.

The Business Times published an article saying digital banks may not be the game-changers they promised to be. It is applicable to both countries in my humble opinion. Since their inception, they have faced challenges in both countries.

They require some kind of technical investment from both the customer and the bank side; the cost isn’t cheap and the return on investment is not justifiable.

They do not consider seniors, who still find it easier to visit the banks rather than using gadgets. Even if they started using it, facilities like automated chat support, alienated banking support irritates them. The main purpose of financial inclusion got hit over here.

Concerns were raised about some of the payment bank companies. Some of them had already accumulated high debts. Some of them were struggling to make profits already. Any sensible customer would think, how safe is to give money to this bank? One of the telecom companies in India opened accounts without customers’ consent and deposited government subsidies, which created heated arguments.

These banks have some restrictions as well. For example, Indian payment banks cannot have non-resident accounts. They do not have dedicated branches for immediate contact, and some do not have branches at all. They also do not have dedicated ATMs.

It is too early to say whether they succeeded or failed in their objectives. As a summary, these initiatives or proof-of-concepts proved to be even more effective.


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JJ: Some Jottings | Sundara Ramaswamy [Book Review]

The novel starts with a breaking news of the dealth of Malayali writer J.J. The story is narrated by another writer Balu.

I wondered, whether to call it as a novel or a collection of memoirs of Writer J.J. from different personalities. I read Jeyamohan’s vishnupuram novel before I took this. I had feeling of empathy on myself, due to my inability of not getting into its Indian philosophical debate. At that state, I was expecting another typical novel, which gives the sequence of different events which moves towards an end. It was not structured like that.

It starts with a philosophical elaboration. After 30 or 40 pages, it absorbs us into it completely. Writer Balu wants to write about J.J. He make efforts to know about him before doing so. He meet different personalities, he get the opinions from them. JJ sounds like an idealistic, impactical, melancholic…. So, different knots formed in the first part of novelm, when different characters speak about him. they are cleared in the second part of the novel, as JJ himself starts speaking.

The entire novel is written in an circastic tone. Despite the plot is described as Malayalam literary world, Sundara Ramasamy hits the nail at the head of Tamil literary world and its hipocrisy.

JJ mocks hipocrasy at many places – Ottapalam Karunakaran’s surprise of a lady character in cross roads in a french novel; the bogus agony of chittukuruvi’s condolence speech – we can quote many of such incidences.

Our surrounding is hipocratic. We like to others swindling us all the time. We are in a stage where we consider that as the normal. I am from Tamilnadu, where defaming hinduism is disguised as aethism. Despite the political preaching, politicians used to file their nominations on ‘amrit kaal’. Kerala is where you can find Communists living inside Multi storey bungalows. We should not talk about Religion, at the same time, we can not give up my caste.. Wow.. No wonder, JJ grimaces at the glimmer of such shabby smugs.

Apart from the sarcasms, it pushes the reader to think and search for the real character of JJ. The novel ends at a place where the user is convinced that JJ was searching for truth among those these delusive literary whoops.

Reserve in NLB Jē. Jē. : cila kur̲ippukaḷ

Buy in English | Tamil

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Blended [Movie]

Blended is a romantic comedy movie starring Adam Sandler and Drew Barrymore. Lauren and Jim are two single parents; Lauren has sons, and Jim has a daughter. They go on a blind date, but unfortunately, it doesn’t go well. Jim’s friend was planning to go on vacation to Africa with his wife, and similarly, Lauren’s friend was getting ready to go on an Africa tour with her husband. As Jim’s friend and Lauren’s friend are unable to go, Jim and Lauren join the tour, unaware of each other’s presence.

The trip becomes hilarious after they meet each other on the tour. As time passes, they get to know each other, and a warm relationship develops between them. As the families merge during the trip, they find each other comfortable and caring unconditionally.

As we all know, the Chinese PLA army came forcefully to the Indian border, and Adani’s wealth raised at a short time. Similarly, circumstances arise forcefully to derail their relationship after the trip. Whether they are able to get into a relationship or not, you may find out in the movie.

Some movie pairs have very good chemistry, such as Danaal Thangavelu and M Saroja, Nagesh and Manorama, Kamalhassan Sridevi, and the Adam Sandler and Drew Barrymore pair would come in this series. Such enjoyable actors they are! Their on-screen chemistry makes the movie exquisite. The audience immerses into the narration without much difficulty.

The strength of this movie is that it tries to be genuine in showing their profound feelings of grief, love, and disappointment along with their family surroundings. The narration is pragmatic, showing the initial teething issues that arise when two families try to blend with each other. The dwindling differences and frictions are portrayed in a gratifying manner.

Despite not being an action/horror/philosophical movie, its relentless sequence of light-hearted, positive reels gives us a satisfying movie experience. It’s a good watch!

Watch: Google Play Movies | Apple TV | Netflix

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Chetty Melaka Community

Chettiyar-s are well-known businesspeople from South India. These traders originated from Tamil Nadu and traveled across the Bay of Bengal to expand their trading network in places like Malaysia, Singapore, and Myanmar.

Back then, there were no modern luxuries like four-hour flights. Instead, most Tamil people made the journey by sea, which took about 12 to 13 days from the cities of Chennai or Nagapattinam. It was a long and difficult journey, but they were determined to spread their business and make a living.

Nowadays, people travel to Chennai/Trichy on Friday night and return to work on Monday. A few centuries ago, they may have traveled only once every several years.

These traders are from the Tamil speaking community, following Shaiva Siddantha in Hinduism. They – who came here on business purposes – married local girls – Malay first, followed by Chinese, Indonesians and others – to became a family men.

It is not about a connection between man and woman. It is a mixture of two families from different cultures and ethnic races. These marriages between Indian traders and local women formed the community ‘Chetty Melaka’ or ‘Chitty Melaka’.

These men and women believed they were getting married, but through their marriages, they brought together different cultures and ethnic races. In their linguistic showcase, there is a beautiful rainbow of Tamil, Malay, Chinese, and other languages.

If you visit Singapore, do not forget Indian Heritage Centre to know about those interesting periods.

Related reading:

Peranakan Indians of Singapore and Melaka: Indian Babas and Nonyas – Chitty Melaka by Samuel Dhoraisingam

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Launch Pad | Shelly Bryant [Book Review]

While science fiction isn’t typically my genre of choice. It is not about the choice or interest. It is about the patience to grasp the full potention of the fiction and create a scene in mind. I may not have that expertise and patience.

I purchased this short story collection for Kannan. Upon reading it, I found that some of the stories were too complex for me to fully grasp, while others felt excessively localized. However, there were also several stories that I thoroughly enjoyed.

When authors are required to write stories that are bound to a specific location, they often use localized names for characters and venues. Unfortunately, such stories often fail to make a lasting impact and fade away over time. Some of the stories in this collection, Launch Pad, seemed to fall into this category.

I attended the book release function for this collection and was curious to read the science fiction stories. One of the challenges that science fiction writers face is that science has already advanced so much beyond the fictional boundaries within which they operate. This was something that struck me when I watched James Bond movies and was amazed by the futuristic technology. Though I recall getting excited about the sci-fi comics in Rani Comics during my childhood, we now live in a world where driverless trains and automatic buses are commonplace. (except in Chennai Metro where they still use outdated technology and take pride in it). I could realize that the author tried her best to surpass this difficulty.

There were several stories in this collection that captured my attention. ‘Tan Swee Nee, Barber’ was particularly frightening, while ‘Case Study: Training Programme’ surprised me with its use of Tamil words like ‘Thaai’ and ‘Thanthai’, which are typically replaced by ‘Amma’ and ‘Appa’. Tamil is a complex language with many idiosyncrasies that can be difficult for non-native speakers to navigate.

Launch Pad is a collection of 13 science fiction short stories set in Singapore, written by Shelly Bryant, a poet, writer, and translator. Her mastery of language is evident in all the stories, and this is her first fiction collection.

Buy Epigram | Amazon | Google | Kobo

Borrow NLB

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Entry – Devadevan Poetry

There is a jar, brimming with liquid
stood a glass, longing with thirst

Tilting the jar, with graceful mind
Filling the glass, with thankful heart

Thirst and yearn, no more with glass
Both flowing into jar, ah oh alas!

I tried my best to destroy Poet Devadevan’s below given Tamil poetry.
I beg my pardon to all the poetry writers and lovers! Definitely that’s not my intention 🙁
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புகுதல்

நிறை ஜாடியருகே
ஒரு வெற்றுக் குவளை

ஜாடிக்குள் புகுந்துவிட்டது
ஜாடி சரித்து
குவளையை நிரப்பிய
வெற்றுக்குவளையின் தாகமும் வெறுமையும்

Rain drops – Devadevan Poetry

Rain drops, hanging on the leaves,
Thinking of your fate, at much ease.
Gaining some mass, with no tease
to the dried mom earth, become her feast.

What if you can’t, don’t worry
you will become, a strawberry
Glitter and brighter, for sun’s harvest
Don’t think and hang, be some fest.

I tried my best to destroy Poet Devadevan’s below given tamil potery.
I beg my pardon to all the poetry writers and lovers! Definitely that’s not my intention 🙁
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மழைத் துளிகள்

இலைகளிற் தொங்கியபடி
யோசித்துக்கொண்டிருக்கும் மழைத்துளிகளே!

யோசனைகளாற் பயனென்ன?

கனம் கொண்டீரேல்
மண்ணின் தாகம் தீர்க்கிறீர்
இல்லையெனில்
கதிரவன் கொய்து உண்ணும்
கனிகளாகிறீர்

Kodumbalur – the land after losing its charm

Pray for it, let it be bestowed,
Wish for it, let it rain down like a snow.
Take a stand for what is right, and pure,
And the nectar of grace shall surely pour.

Water is a gift, a grace so divine,
Transforming barren land to liquid fine.
Out of its kindness, it softens stone,
Turning harsh earth to liquid all its own.

-unofficial translation of a part from Jeyamohan’s novel Kratham.

These are the descriptions about Varuna, the God of rain, by Jeyamohan. Getting wet in rains is a blessing. This a story of getting wet in summer rain.

We went for an interesting trip to saw 4 monuments.

Dilapidated Shiva temple, Pulvayal

Shikanatha Shiva temple, Kudumiyanmalai

Muvar Koil, Kodumbalur

Aivar Koil, Kodumbalur

Our first hop is Pulvayal. The temple is on the right side of Pudukkottai – to Manapparai road.

Siva temple, Pulvayal Photo (c) http://www.panoramio.com/user/6254896

You can find he temple right behind a school there. The half of the temple is damaged already. It is so pathetic to see the temples like this. There is a beautiful Shiva temple surrounded by parivara temples. Despite not being an worshipped temple, there were traces of viscous of lamp-oil. I am interested to see who that obedient devotee is.

From there, Kudumiyanmalai is not far. Due to summer, all the ponds on the way were either dried or close to dry already. A life size statue of Kangeyar welcomed us inside the temple. The 1000 pillared hall is renovated from its dangerous condition 20 years ago. The temple is at the foot of a massive rock.

Relieves of Nayanmar-s (c) pudukkottai.org

The rock has a fold on it, where 64 nayanmar bas relieves were carved. Annai and Ammai was seating on a bull at the centre.

Kodumbalur is close to 1 hour travel from Kudumiyanmalai. Kodumbalur has 3 archeological sites Muvar Koil, Aivar Koil and Muchukundevara koil. We visited two of them that day.

We started with Muvar Koil.

Muvar temple

Sanjay was reading the ASI board there which said ‘It was built by Boothi Vikrama Kesari, who is a chieftain of Sundara Chola.’

It was just a one liner. But it brought the timeline in our mind. Muvar temple is earlier than the famous Thanjavur Brihadisvara temple. People used to say these may be trials before the construction of Thanjavur temple.

The most beautiful one is Muvar koil, the temple-of-three! But we can see two temples only now. One is demolished. We saw the basements only. The garden was beautiful. Due to rains, it was so pleasant to visit that time. Sun took a short break, to allow us to visit the temple.

Rain water harvesting in Muvar Koil complex
Rain water harvesting
Way to Aivar koil after renovations

Aivar koil is a just a collection the basements of five temples. If it existed, it could be the most massive and beautiful temple complex in Kodumbalur. It is heart breaking to see the temple basement. What those invaders got by destroying art forms? treasure right.

Aivar Temple Complex in Rainy clouds. Must have been a massive structure. Cleanly destroyed and buried

There is a saying in Tamil for those who steal the properties of Siva temple, Sivan soththu kula naasam – ‘Shiva’s property is the destruction of clan’. Despite the condition of those invading countries even in 21st century, still the theft continues.

Pulvayal and Kudumiyanmalai were as pleasant as they were forty years ago.

It is a pleasant surprise to see the latest Kodumbalur monuments after the developments performed by Archeological Survey of India. They have an lushy lawn. There is a path made of stone slabs. Publications of ASI were also available. Entry fee is ₹15 per person.

Another interesting fact is, Kodumbalur was a capital of Irukkuvel-s. It is mere a village now. When Kodumbalur flourished, there is no Chennai. See the way time travels!

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Ranga sends spy balloon to Billa

Blade Pakikiri burst into Don Thangaraj’s house. He had something real serious to share it with his big boss.

Don Thangaraj, who is in his eighties now, still groggy from his sleep. With mouth full of kodukka-puli churanam, the local Ayurvedic cure for his dementia, burped twice to the disgust of Thamarai, his trusted sidekick. She noticed Pakkiri’s faster entry with her shrunken forehead like a Zomato delivery man.

“Boss, something real urgent is up!” Pakkiri declared.

“What the devil is it?” Don asked, his eyes still half closed.

Pakkiri looked at Thamarai in doubt. She, who was always on the look out, noded her approval to Pakkiri to go ahead.

“We saw a balloon.”

“Where. Near the Kali temple? Ya. There was a festival going on. Was it beautiful?” Don asked while he kept the water sembu at the floor.

“Boss. It is different. It is flying over our house and godown” Pakkiri exclaimed.

“Oh. probably one of my grandkids let it lose. Do you like balloons, Pakkiri? I’ll get something for your kids too.” Old don replied after goggled with remaining water, still not fully grasping the gravity of the situation.

Pakiri was losing his patience. Thamarai gestured him to wait.

Thamarai stepped in to explain “Boss, Pakkiri is talking about a spy balloon. It’s sent by one of our enemies to keep an eye on us.”

Don finally caught on, “I have many enemies, starting from Golmal Putinkumar to the two of you. Who sent it?”.

“Our boys say it is Rowdy Rangan. He is trying to spy on us and take over our business,” Pakkiri replied.

***

Rowdy Rangan, the troublemaker from Sulurpetta, had always been a thorn in Don’s side. Despite warnings from Pakkiri and Thamarai, Don still saw him as a competitor, not an enemy.

Rangan used this opportunity to learn all of Don’s tricks, like puncturing enemies’ bikes (for adult customers) and splashing ink on their shirts (for kids customers), which eventually became world-famous, with even Arvind Kejriwal falling victim to the ink attack, as reported by the Kissness Times daily.

Rangan started offering the same services at a lower price, which was well-received by many, especially school kids, who lined up every day to pay just ₹2 to splash ink on their bullies. Not only that, he offered 10% educational discount to school kids.

Meanwhile, Don Thangaraj was still charging ₹20 for the same services. Rangan started puncturing bikes, cars, and even airplane tires, all at a much lower price than Don’s, making him the favorite crime partner of northern Tamil Nadu and southern Andhra Pradesh. All these created dents in Thangaraj’s income.

***

By this time Pakkiri and Thamarai finished one sembu full of water, before explaining the risk to Don. Thangaraj understood the risk of the balloon from Pakkiri properly at last. He stood up and went away near the fence. It was a beautiful live fencing of castor plants. Pakkiri and Thamarai thought he was angry and he was about to issue orders to shoot the balloon. But Don blew his nose twice and cleaned himself with his towel.

“Boss, say something.” Thamarai pleaded.

“Why don’t we just pop it with a gundu pin?” Thangaraj suggested.

Pakkiri was disappointed like the investors who bought Zomato shares in IPO.

“Don, it is floating in the sky. How are you going to reach it with a gundu pin?” Pakkiri was scrubbing his cheeks and losing cool.

“Can’t reach there with a Catapult?” exclaimed Don without bothering about Pakkiri’s staring at him.

“Fine, fine. You two do this. Pakkiri, call Rangan’s guy and see if he sent the balloon. Thamarai, call his girl and check as well. I’ll plan my revenge later,” Thangaraj instructed before hopping into his oil bath.

***

“Next day, in Rangan’s courtyard, Rangan’s sidekick, Dumeel-Kuppam Vavvalu, got a call.

“It’s Blade Pakkiri from Don’s Gang speaking.”

“And I am Vavvalu from the Future Don’s Gang,” replied Vavvalu.

“We’ll see if you’ll be the future or the past soon. I want to clarify something with you. Are you the ones flying those spy balloons over our house and godowns?” Pakkiri asked.

Rowdy Rangan, who was listening in on speaker phone, shook his head up and down to signal to Vavvalu.

“Yes da. It’s ours. We are the bosses. Is it only you, have the permission to create chaos or what? Times have changed, it’s our time now,” Vavvalu roared back to Pakkiri.

And with that, the call was disconnected!

***

Another hot line rang on the other side.

Rangan’s assistant Revolver Reta attended the phone and switched on the speaker.

“Hello. Thamarai here.”

“Hai there Thamarai, I am Reta. Revolver Reta answering the call for you!”

“Well. I don’t care you are fan of revolver or kittipul. I just want to know if you fly Baloon above our grounds.”

Reta looked at Rangan. He signaled at her by turning his head left and right this time.

Reta tried to sound convincing, “Thamarai Akka, listen here! The balloon is ours, I promise. We only used it to inspect the potholes in the newly laid Chennai corporation road. Our junior rowdys met with some accident daily because of those holes. How a new road has holes on a single night, we do not know, akka. You know the stenchy Marina beach.. ah.. yes.. the same beach only.. You will find many samadhi-s over there.. The evening sea breeze from there, just carried it away from Sulurpetta all the way to North Chennai. Please forgive us and return our balloon, okay?”

***

The next day, Don Thangaraj was lounging in his favorite chair in the courtyard. Pakkiri was chilling on the Thinnai, and Thamarai was hanging out by a pillar nearby.

Rangan’s plan had worked like how Nykaa boosted their share value by giving bonus out of nothing. Don was confused by the mixed messages from his opponent.

“Hey, no need to get all puzzled, Boss. Just give us the word and I’ll take care of it,” Pakkiri egged on Thangaraj.

“But if what she says is true, then we shouldn’t do that,” Thangaraj spoke in a gruff voice.

Pakkiri tried to convince his Boss “Listen, Boss, we’ve got a serious situation on our hands. Our reputation is taking a hit, and even the local toughs in Gummidipoondi and Meenjur are turning to the other side. I mean, just the other day, a school kid splattered ink on our guys! We can’t let this continue. I talked to Ponneri Balu, one of our most staunch supporters, and even he’s wavering. We need to take action, boss, before it’s too late.”.

The old Don Thangaraj was looking at him indecisively.

Thamarai added her two cents, “He’s been spying on us to find out the weapons we use to puncture airplane and spacecraft tires. He wants to build a replica and sell it to everyone. Our spies tell us he’s even trying to puncture your car wheels with his pins, to show that he has the capability to do so. You can’t let this continue, Boss. Our reputation is on the line.”

Pakkiri chimed in, “Exactly! We need to take back our power, Boss. Show everyone who the real boss is around here. We can’t let him play us like a puppet.”

Thangaraj sounds convincing “I can feel that. People in our surroundings talk a lot about him. I heard he offers tea and vadai, if someone talk good about him in local tea shops. More and more people start talking about him even in the corner shop for free tea and vadai.”

Thangaraj leaned back in his chair, deep in thought. He knew that the situation was serious and something had to be done.

Pakkiri wanted to highlight the expanding influence of Rangan inside their territory. He said “The tea shop owners offer them freebies. Because he gets money from Rowdy Ranga. You know what? the kissness times daily used to get money from us and talked nice about us. But that poor fellow went to Rangan’s camp. Rangan poured money, liquor and mall on him. He started his tone already. We should not allow that in our land, Boss”

At the time, somebody entered the courtyard.

The gatekeeper said, “Boss, he is the balloon seller. He manufactures the balloon too”. The old lion asked him “So you are the weapon supplier. Don’t you need permission to sell balloon in our area or not?”

The balloon trader cried like someone who bought PayTM shares, “I just want to make a living, sell my balloons in Kali Madha, Arokia Madha and Nagore Dargah and bring a little joy to people’s lives. I am secular. I support democracy. You are the dictator of democracy. I accept. but please don’t stop me from doing my business here.”

Thangaraj chuckled at the trader’s words, ‘dictator’ in particular, and patted his head. Pakkiri and Thamarai saw that their boss was back to his old self.

***

It was a day to remember! Pakkiri rallied up all the townspeople to the event location and made sure the media was on hand to capture the moment. With a swift shot from his trusty sniper, Pakkiri brought down the balloon with ease. Meanwhile, Thamarai chased after the balloon sellers and manufacturers. It was a mission accomplished!

The results of the operation were immediately evident, as Don Thangaraj’s reputation skyrocketed after the balloon incident. The media, including a private Tamil channel and the publication Kissing Times, declared that Thangaraj was truly a force to be reckoned with, now and forever known as the Billa.

***

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