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Mohammad Chowdhury
Mohammad Chowdhury
I offer unfettered insights into the world of Indian telecom

I recently commented on how we should expect fewer takeovers as a result of the Government’s policy that any operator acquiring another must pay the difference between administrative prices paid in the past for spectrum and the latest auction-determined price.  Whilst this is likely to be the case, there is another way to look at it.

Let’s recap what the Government regulation in respect to spectrum valuation means. Any operator being taken over will already have a quantum of spectrum that has been allocated to it by the Government. Such spectrum could have been allocated in the era when spectrum was allocated through prices which were determined by the DoT, or through auction subsequently. The era of administratively allocated spectrum licences ended in 2008, the last year when spectrum was allocated through administratively determined prices.

The Government regulation now stipulates that post merger, the merged entity will be entitled to hold only one block of 4.4 MHz of spectrum in the GSM band or 2.5 MHz in the CDMA band for the entry fee the companies have paid prior to auction of spectrum in 2012 onwards.  For the remainder of any administratively allocated spectrum, the acquirer should pay the government the differential between the auctioned-determined spectrum price and administrative-allotted spectrum price, on a pro rata basis for the remaining period of validity of the license.

This regulation seeks to achieve a degree of fairness in spectrum allocation in the market, by ensuring that anybody acquiring spectrum today should do so at rates others have paid, and not benefit unduly from advantages carried over from a previous era when licence allocation had not been undertaken with market demand for spectrum moderating prices.  The Government cannot intervene directly to demand all carriers pay up the difference now, since their use of spectrum is already sanctioned through agreement, but in the case of M&A the opportunity arises to stipulate a condition for the transaction.

Given that the recent auctions resulted in an 84% premium paid for 900
MHz spectrum, and 29% premium for 1800 MHz, post M&A top-up payments could be substantial.  This regulation may indeed “dampen” interest in M&A as a result, introducing a higher payment burden on the part of the acquirer, and in turn greater valuation pressure and more funding requirements.

But, and this is my point today, that may not be an altogether bad thing.  Transactions may be fewer, but they should be higher quality deals which lead to more sustainable outcomes for the parties concerned, attracting more committed investors, who are ready to commit funds, people and expertise for longer-term return, driving more innovation and a more compelling and sustainable customer proposition.   Indian telecom has seen a few operators come and go in recent years, and whatever transactions take place in future should be encouraged to be more robust commercially.  Fundamentally, the regulation aims to introduce a greater degree of fairness and thus attempts to right past wrongs.  This is consistent with how the regulatory authorities have acted in the past few months in general.

(Follow me on Twitter @mtchowdhury for updates on what’s happening in telecoms…plus the odd gripe from my following England and Bangladesh at World T20; I support two teams but still expect to lose)

indian_on_phone

(Image: Shutterstock)

We are on the move again.

From late 2012 through much of 2013 the number of subscribers in Indian telecoms remained below levels that had reached earlier.  This was mainly due to a “subscriber clean up” stipulated by the regulatory authorities in late 2012, which obligated operators to disconnect all subscriptions which did not have sufficient “know your customer” details available (name, address, date of birth, etc).  As a result, tens of millions of connections were cut off, many of which were dormant accounts.

According to TRAI’s subscriber numbers released recently subscriber numbers stood at 893m in January 2014, representing a connections increase of 7m in the month from December 2013.  That is perhaps half the rate of additions three years ago, but it still means Indian telecom numbers are growing again, and the country has the highest connections growth rate (by number) in the world.  Four to five players are sharing the additions between them – these being Airtel, Vodafone, Idea, Aircel, Uninor and  Videocon.  A number are holding steady, and others are in decline.

There is one other interesting observation, which is that “active VLR” subscribers are as high as 773m, almost 90% of total reported subscribers.  These are subscribers who are registered on the network as active in the month, and therefore not dormant connections.  Before the regulatory clean up, this figure was well below 80%, indicating that the exercise has been successful.  Finally, we have subscriber numbers in India which are more consistently measured and not inflated compared to other countries.  Not only are we on top of the world, but the numbers are sans masala!

Follow me on Twitter for regular comment on what’s happening in the telecoms world @mtchowdhury.

Last year I wrote on the three reasons why US operators have suffered from data cost growth outstripping data revenue growth, and how a similar fate could befall operators in India when mobile internet usage finally takes off by the end of 2015. Helpfully, I set up the problem but didn’t give any solutions for Indian operators to consider! That was because it was too early to cover problem and solution all at once, but let’s now look at some steps being taken to address the imbalance between cost growth and revenue growth.

A bit of background: although we have well over a billion mobile broadband users around the world (see figures below), mobile ARPU continues to decline in all regions. Profitable revenue growth in the era of data is simply not guaranteed. Voice revenue is in steady decline as “minutes of use” growth has stagnated and per minute pricing continues to decline. Instant messaging is also substituting SMS revenue for operators, through switching from texting to services such as BBM and Whats App. Revenue growth from mobile data usage is not making up for this, and at the same time, as the chart below shows, data cost is in danger of spiralling out of control due to the huge rises we are seeing in traffic and the consequent need for more and more network capacity.

figure_one

Here are a few industry trends that seek to address these challenges, both through pricing as well as through data cost management, many of which are applicable to India and some of which are already in use:

  1. Fair use policies and “throttling” to curtail excessive data usage: A FUP caps what is loosely termed as “unlimited” data to a pre-agreed level, such as 500Mb per month, for an agreed tariff. When such levels are reached, operators are now giving a choice to subscribers to either upgrade to a higher cap, switch to a stiffer per Mb usage charge, or, if neither is taken up, to throttle connection speed.
  2. Segment-specific data pricing strategies: operators around the world are becoming savvier, quarter by quarter, at segment-based offers and pricing plans. The reason why this is still an eventful journey for this industry is because mass-scale “analytics” is only just taking off across mobile operators. Many do not even have an analytical decision system to link customer behaviour to pricing to any degree of sophistication.
  3. Partnerships to generate more “upstream” revenue from mobile broadband: full or specific connectivity to a service via a device on purchase is the best example of this. For example, a Kindle e-reader from Amazon in the US comes complete with an AT&T Wireless 3G mobile data package, meaning that AT&T data is now being supported through a partnership with a bookseller. Specific connectivity is illustrated by examples where a service is enabled on a multi-use device, such as Sony Play Station connectivity onto a device for gaming sessions.
  4. Data convergence as the future growth point: in mature markets, we increasingly expect service providers who offer fixed and mobile services in a more integrated fashion to grow their mobile data business quicker. This is because in such markets more people are turning to one-stop solutions where they can satisfy their data requirements for home, office and on the move.
  5. WiFi: Wireless LAN is increasingly available as a means to satisfy demand for high-speed wireless connectivity while managing cost.  Public WiFi networks are prevalent across Europe and North America and we can expect more such service launches in India covering hotels, coffee shops, airports and shopping malls.  Telecom operators have made efforts to capture this “off-network” activity by being directly involved in the WiFi hotspot business, an example being BT Openzone, and we may expect the same to happen in India as this segment scales up.
  6. Beyond WiFi: Operators are deploying technologies to limit the cost to serve growing data demand, such as Femtocells and 4G LTE. As more technology becomes available, the industry is looking for new ways to reduce the cost per Mb of traffic, for example through better spectral efficiency. 4G LTE is already being deployed in India through launches over BWA, of which we can expect more this year, as well as newly liberalised 1800MHz and 900MHz spectrum. See the diagram below for some of my team’s recent analysis on how costs for data traffic can fall as we step through newer technologies.

 Next generation technologies will lower costs to serve growing data demand

figure_two

(source: PwC analysis)

You may think this is too confusing and how on earth will the customer figure out to connect to which network, on which device, at what price and when?  Answer: this will become more automated as devices’ capability to optimise across available networks and tariffs and latch onto connections accordingly evolves.  Meantime, do not underestimate users’ ability to switch frequently between networks in a bid to squeeze out that all important extra bit of speed without having to spend more money on the service!

Follow me on Twitter @mtchowdhury for the latest on telecoms.

mwcIf I was parachuted into the halls of MWC at Barcelona this week and not told what this event is all about, I could just as easily conclude it to be a motor show or a medical conference rather than a mobile world congress.  There are almost as many cars on show this week as there are mobile phones, a few homes, classrooms, hospital beds, and even a basketball court at the GSMA’s Connected City.

Why a basketball court?  Well, because the players wear sensorised vests which monitor their heart rate, sweat factor and other health indices while they play, uploading the data over a wireless network and using integrated IT and mobile technologies to sync the data into medical records systems.  I spent a half hour looking at a Volvo today on the Ericsson stand which even allows you to remotely unlock your car so that a grocery delivery man can put shopping bags into your boot while you are away from your vehicle!

What I like about MWC is how practical it is becoming.  Many of the stands are a contrast from those of yesteryear where all we saw were mobile phones, network gear and computer screens, with handouts of memory sticks to thank you for visiting.

Now that we have entered the digital world where mobility is empowering the transformation of many industries, the themes and activities are going way beyond mobile and into all sorts of other extensions of it.  The Top 5 themes in Barcelona this year are:

  1. Wearable Technology: focused on the increasing numbers of devices which we can wear connected to a mobile network, for example part of mHealth initiatives.
  2. Operating Systems: addressing the question of whether iOS or Android will win out, and whether any other operating system can ever make sense out of being in third place.
  3. Devices: with all eyes on Samsung to see when they will launch the awaited S5
  4. Connected cars and homes: showcasing in full strength the power of mobile-enabling our favourite and valued gadgets and dwellings.
  5. Connecting the next 5 billion: how mobile should play a role in enabling large numbers of people have access to the internet.

For the first time this year we had keynotes from Mark Zuckerberg, CEO and Founder of facebook and Ginni Rometty, CEO of IBM.  Social Media and IT with keynotes illustrated in another way how the boundaries between adjacent industries are blurring.  Zuckerberg’s presence spiked the already heated debate over how much investment can be expected from social media businesses into the networks they depend on to carry the traffic they generate.

How was my Congress this year?  In a word, busy!  35 meetings in 3 days including 5 CEOs, 3 National Telecom Regulators, 4 Telecom Ministers, a Development Agency and a former First Lady who now campaigns for mobile technology to empower women, plus running a panel at a Ministerial meeting and a bit of stand duty at my own firm’s booth!  Just when people say mobile industry is being replaced by over-the-top players, MWC reminds us how important telecom remains to the emergence of the digital economy, and how this is the show to see and be seen at.

Just in time for next week’s telecom spectrum auction, the Empowered Group of Ministers (EGoM) has just approved a spectrum usage charge (SUC) regime of 5 per cent of the annual gross revenue on all the new airwaves acquired in the upcoming (and future) auctions. Existing telecom operators will have to pay the weighted average of their existing SUC bands, plus 5 per cent of the revenue from any new spectrum.

As the Government currently receives a pan-India average SUC of 4.8 per cent on airwaves allocated till date, I expect there will be no adverse impact on existing fiscal revenue. In fact, with telecom service revenue growing healthily again, government SUC revenues should go up.

There is a possible complexity, though. Revenue segregation could be tricky when customers are being provided services which they could technically access over a variety of networks in the same circle, using different spectrum bands, each of which attract different SUC (eg the BWA SUC is 1%). For example, I could pay Rs 100 for a video download which I might have received over a 3G network or a BWA network, depending on which network my device was connected to at the time. Complications may then arise over whether the operator should therefore pay Rs 1 or Rs 5, or another figure, as an SUC for the revenue.

Updated or defined SUC regimes have not been specified for some conditions, including those below:

• Spectrum bought in Nov’12 and Mar’13 auctions

• Spectrum to be acquired through M&A (we may expect this when the M&A guidelines are published)

• Spectrum bought through trading/ sharing route (we may expect this when such options are approved)

Although the above areas remain open, the decision on SUC finally provides policy clarity from a long-term perspective and will have a positive impact on the industry.

What does it mean?  Well, the decision favours larger players as they are continuously looking at opportunities to increase their present spectrum holdings and acquire additional spectrum.  Also, the new policy in the near term is unlikely to have a negative impact on any of the industry players.

However, in the long run (after license renewal), operators who wish to run their business on less then 6.2MHz of spectrum in a circle will end up paying a higher SUC compared to the present regime, as the current rates for such holdings are below 5%.

The industry is waiting with baited breath for next week’s auction.  It is shaping up to be an interesting one to keep an eye on!

Philip Brown / Reuters

Cricketers and mobile phone users are subject to a stack of analytics of late (Photo: Philip Brown / Reuters)

I am an English cricket fan, married to an Australian and currently Down Under on holiday while the Poms are taking a serious whacking in the Ashes. Alas, I too live with the realisation that I would rather be a cricket correspondent than a telecom expert, and so, in line with 2012’s year-end blog, humour me again by reading what I have to say about who does better – the Cricketer or the Telecom User?

1. Tours: Cricketers as well as telecom users get a rough deal
When I was in Brisbane, copping major Aussie flack for being a faint-hearted Pommie who can’t play fast bowling, I thought let me get overseas touring out of the way. ‘Homeys’ they are not, but cricketers have long preferred their own backyard to playing overseas in unfamiliar climes, and often touring without families. Bounce, spin, swing, the texture of light, the moisture in the air, the seam of the cricket ball, the direction of the breeze and who knows what else, are all supposedly different overseas. As a result, very few (like the legendary Muttiah Muralitharan) have better records overseas than at home. Despite the unmatched luxuries of Indian hotels, English squads complain of a ‘Delhi belly’ every time they tour the subcontinent. Basically, cricketers on tour can be fish out of water.

Thanks to exorbitant tariffs, which secretly add up to your account while you merrily call all and sundry on a holiday, telecom users don’t tour too well either. Leave mobile data switched on when overseas, and financially you would be better off being mugged in a dark alley. Once bitten, ‘roaming’ is a horror to which you will be twice shy forever. So much margin is made by operators from roaming revenues that a profitable side industry has been able to come up to relieve harassed travellers by offering cheaper rates.  Recently, the European Commission ruled that in EU countries excessive roaming charges will be phased out, arguing that operators have long used the super-normal profits to cross-subsidise other services given away too cheap.

So, like cricketers, telecom tourists eventually rack up far fewer numbers on tour than they do at home. Touring batsmen gasp in trepidation of facing a Mitchell Johnson on a bouncy track at Perth. The telecom user’s demon, however arrives in the form of a letter a month after returning home and it goes by the name of William Shock, or ‘bill’, for short. As the world becomes more village-like, telcos could do more to make our itinerant lives a bit easier.

2.  Movement in the air: balls talk, but calls don’t seem to
Zaheer Khan, Wasim Akram and James Anderson are all sultans of swing, moving the ball sideways through the air as it reaches the batsman, making a “moving ball talk”.  But telcos can’t seem to make a moving call talk quite as well! The number of call drops endured while on the move in a busy metro is not funny. Odd that coming from a mobile operator. We can even predict the spot where calls will drop: My favourites being a certain stretch of NH-8 in Gurgaon and a stretch of Delisle Road in Lower Parel (Mumbai).  A telco COO told me this is partly due to towers being decommissioned on public pressure, leaving behind connection black spots. Mumbai apparently has 900 fewer sites than from two years ago.

3. Drops: Telecom Users get dropped more often than Monty Panesar!
Telecom users and cricketers are often dropped, but who fares worse when in this?

When a catch is dropped, cricketers are offered a lot more ‘help’ than when a phone call is dropped. Scupper a chance in a Test match, and within seconds you will be shown slo-mo replays of whether it was a catch at all, the softness of his palms at the moment of contact with the ball, his trouser tightness at the moment the knee bent, whether a twitch of his nose distracted him, and just about anything else. If your call is dropped, however, don’t hold your breath waiting for an SMS from your operator explaining why it happened, offering to reconnect you at their cost or apologising for the drop in the first place. Network connectivity is a long way from becoming a personalised and quality assured service, which is odd since it is after all the basic that telecos promise to offer: continuous connectivity with no call drops.

4. Scams: Cricketers and telecom can’t get away with it anymore
If you illicitly acquired a 2G licence recently, you can expect to have had it cancelled by the country’s apex court.  Thanks to the Government’s desperation for revenue though, you could buy the spectrum back at the next auction, shell out a few hundred crores, and rapidly return to business as usual. Services haven’t been too affected and so telecom users remain cushioned from impact for the time being. On the other hand, if you are a crafty (or unthinkably gullible) cricketer looking to profit from a touch of spot-fixing, you can expect nothing short of public humiliation and a long ban. Just ask Mohd Azharauddin and you’ll know that once banned is (generally) forever banished.

5. Speed: Broken arms and broken promises
We live in an express cricketing age courtesy Dale Steyn, Mohammed Shami and that mustachioed left-armer who torpedoes a cricket ball at your throat at 95 mph, Mitchell Johnson. Speed has become cricket’s threat of a broken arm. On the contrary, in Indian telecom, speed is the industry’s broken promise. Enthusiastically we sign up to the Mbps equivalent of a Curtly Ambrose, but have to make do with that of a Madan Lal with a short run up, and a Bishen Bedi when the service is throttled once you reach your Gb/month limit. When the 1,800 MHz auctions are done in January 2014, let’s bring on 4G LTE, fit hawk-eye systems in telecom towers, and start breaking some speed limits.

6. Equipment: Self-protection versus groovy experience
Cricketers and telecom users carry a lot of kit nowadays, but for very different reasons.  In sport, it’s a matter of survival and the equipment is all defensive: Pads, helmets and to protect the crown jewels – the box. For telecom users, equipment is less self-preservation and more about creating the experience: Earpieces, running apps and fancy-coloured phone covers are de rigeur.  The telecom user wants to get his voice across more clearly, whereas the cricketer wants to ensure his voice doesn’t end up becoming permanently high-pitched.

7.  Auctions: Minnows take all the cash
Thanks to 3G and IPL, auctions are frequent in telecom as well as cricket but each one seems distinct. Major metros command top values in spectrum auctions, whereas unknown “minnows” command the highest prices in IPL bids: The top-valued players at IPL 6 were Maxwell, Richardson and Senanayake, who, with all due respect, are the telecom circle equivalents of UP, Odisha and Assam.

On further inspection though, the dynamics are revealed to be the same. Both drive valuations by relying on the difference between potential value and currently tapped value. Mumbai would command less in an auction when the revenue the spectrum can support has already been allocated. Similarly, even though a Virat Kohli may be more valuable, a Kane Richardson may have more untapped value worth paying for today.

8.  Analytics: Big Data will trump the anoraks
Cricketers and mobile phone users are subject to a stack of analytics of late. A Test cricketer’s every move (on the pitch, that is) is reviewed microscopically, from scoring rates to run outs, to the angle at which one’s bat falls and whether the run up of a bowler is lop-sided or not. In telecom, every subscriber’s minute-by-minute usage is monitored: Where we call from, to which number, how often, on which handset, what time of day or night, at what tariff etc. This is then used to generate deals sometimes known as “More for More” (i.e, you pay more, and we’ll give you even more).

But while cricket analytics is comfortably cocooned in its own amazing world of statistics and comparison, it remains historic, backward-looking and not particularly predictive. Telecom, however, is attempting to break out of its boundaries and go the Big Data way. Telcos aspire to combine usage information with insights into what we eat, who we are married to and what is the colour of our clothes on a Monday. And they want to use that to work out more about who we are and what we are prepared to pay for so that they can offer us “Even more, for a hell of a lot more.”

Once the ability to intelligently process social media feeds with usage statistics from the network is achieved, telecom and cricket analytics may go their separate ways. Unless one day Harsha Bhogle starts explaining that VVS Laxman scored 281 at Kolkata in 2000-01 because the calories he gained from eating uttapam every morning between the ages of 18 and 25 fructified into a 7 percent stamina increase at the age of 26.

Wishing you a peaceful, safe and healthy 2014!

 

(Follow me on Twitter @mtchowdhury)

Here are my 5 predictions for Indian telecoms for 2014…

index

Overall, I expect 2014 will see a restoration of vitality in the sector, especially in the second half.

If I can conjure something up while taking some family down time in Australia (and watching England get hammered further in the Ashes), expect a more light-hearted post before we see the year out!

As usual, I made 5 predictions for telecoms at the start of the year.  Here’s what I predicted and what actually happened…

(Sources: Bank of America Merrill Lynch, Credit Suisse, PwC analysis)

I’ll post my predictions for 2014 on this blog page very shortly!

Can you imagine anybody saying “If I had a choice, I would stay away from my mobile?” Well, that is the common response from Indians in the first year of using a mobile phone, according to my team’s PwC-IIM (A) customer value study released later this month.  This response is popular across all the consumer segments covered in the study, covering 2,100 Indians in six locations around the country.

Once that first year has passed, doing without one’s mobile becomes close to impossible.  Just look at the diagram below, and note how dynamic the shift is towards mobile dependency during year 1.  Productivity, social standing, access to knowledge all become more valued from year two onwards.  Not surprisingly, parting from one’s mobile becomes undesirable.

mobile

I recall an IBM study years ago which announced that people would rather allow their homes to be repossessed than give up their mobile.  The headlines were brilliant: “Europeans ready to go homeless before giving up the handset.” Though true, the question of course didn’t prove that a mobile phone is more valuable than a roof over the head.  (It only turned out that way because a mortgage might cost 1,000 Euro a month, whereas a mobile might cost 50 Euro.  Even if forced to give up a mortgage payment, few would ever be hard up enough to have to give up a phone.)

But despite how much we love our phones, disappointingly, once consumers have become mobile-dependent, there seems to be little additional utility they derive from years of continued use.  Look again at the diagram, and how our utility from various aspects of mobile usage remain stable over the years.  Mobile users become creatures of habit: they get used to a set of services, and keep using them rather than explore and discover more.

Herein lie challenges and an opportunity for mobile operators and applications service providers.  How can I convince new users to discover more at the start, and, when they mature, how can I keep encouraging them to find more and more utility?

Marketers certainly could do more to educate new users at the outset.  At present, marketing seems to start and end at selling a SIM card and putting someone onto a price plan!  Operators could offer programmes to educate new users to learn more about services such as mobile money transfer, video downloads, or buying music.  They could offer special starter rates and higher connectivity speeds to new joiners.  For example, why not offer a 2G user a 3G speed connection for free for two weeks, or sign someone onto mobile money when they are registering for a new SIM.

Whilst the telecoms industry clamours for a rise in data services and per user expenditure (ARPU), on the marketing and innovation side there simply isn’t enough going on.  As a result, we are a generation of stunted mobile users – we discovered something special, got hooked, and then, stopped growing.  We could gain so much more utility from mobile, yet are stuck on a plateau of consumption that is tinkered with occasionally through tariff offers to do a lot more for a little bit more money.

Attention all marketers: we are not just numbers to deliver you a few more “minutes of use.”:  We are real people who are truly empowered by connectivity.  Could you cater to us please?

Follow me on Twitter @mtchowdhury

Over 2000 consumers across India were asked in a recent survey what the value of mobile telephony was to them, and the two highest scoring answers were: “It has given me a feeling of security” and “It has kept me in touch with my family.”   These responses outscored the others by some (see below).

Figure_1

The respondents to a recent survey conducted by my team and the Indian Institute of Management Ahmedabad spanned all the SEC groups and came from six locations around India.  I wonder whether this shows that in today’s age, regardless of what people do and how much they earn, our handiest communications tool is most valuable in keeping us safe and in touch with our loved ones.  Consistent with the family theme, more regard the mobile as a social tool than either an economic or a personal one (see results below).

Figure_2

Here I try not to “judge” the results, but rather like a good Monet painting, let them stand out and speak for themselves.  So I’ll resist offering an opinion except to say that this is food for thought for telecom marketers, given how little focus we see from marketing campaigns on mobile as a tool for security and managing uncertainty.

Expect a more detailed post from me soon analyzing the responses and their implications for mobile marketers in India.

 
 
Mohammad Chowdhury
Mohammad Chowdhury is PwC India's Telecom, Media and Technology Industry Leader and a member of the global executive team. He moved to India following senior roles in Vodafone, IBM and previously PwC where he started his career on the graduate scheme for economists. From London, Mohammad ran Vodafone Group strategy across emerging markets, and from Cairo served on Vodafone Egypt's executive team just before the Arab Spring. At IBM, he set up the corporation's first global telecom solution centre in Bangalore, and at PwC directed the firm's account at the World Bank in Washington, D.C., and the firm's telecoms privatisation and restructuring work in Eastern Europe, Middle East and Africa. Mohammad served as the lead adviser to telecom sector reform in countries as diverse as Saudi Arabia, Zimbabwe, Ethiopia, Slovakia and Slovenia. He is a leading commentator for the Financial Times, BBC, TV-18, NDTV and other media.

Mohammad has worked in 72 countries, lived in 7 and speaks 6 languages. He has a BA in Politics, Philosophy and Economics from Oxford University, an MPhil in Economics from Cambridge University, and executive training in strategy from Harvard Business School. He was born in London, has family origins in Bangladesh, and lives in Mumbai with his wife and five-year old son.
 
 
 
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April 17, 2014 13:46 pm by Mohammad Chowdhury
Thanks Kaushal, indeed the dreaded "D" and "P" words come to mind - I tried to post without using the term!! But you are right, this is an important area where telcos can do much more as time goes on.
April 15, 2014 10:42 am by Kaushal Thakker
Great read as always Mohammad! I think #3 is a very key point. Telcos need to snap out of the 'dumb pipe' mindset ie. selling data plans as products. Instead the focus should be to partner with application providers and sell a bundle of the application (e.g. Kindle e-reader) packaged with an optimal...
March 25, 2014 05:54 am by Mohammad Chowdhury
Thanks for reading - hopefully the headline deception was worth it :)
March 13, 2014 10:38 am by Ruchi Mann
Great article with a very deceiving headline. Very well captured.
March 06, 2014 01:30 am by Mohammad
Thanks for reading!