In big organizations, especially those that aspire towards delivering continued excellence, major ambitious projects require successful coordination between multiple teams and stakeholders. Delivery of these projects is directly proportional to how each team and contributors understand the requirements. However often there is a disconnect between two of a business’s most vital teams: product and technology. In a survey conducted by PWC, 46% of executives agree that business and technology do not have a common understanding of the corporate strategy.

Indisputably, bringing these teams together is the defining ingredient in the success of launching any innovative product. …


Ever opened a beautiful app only to find an extremely long response time? Unfortunately, I ended up creating one, and here is how it went:

One fine French summer evening of May 2019, I was immersed in a project to launch a brand new fintech application for a Paris-based multinational. What started as a simple project turned into a living KOH-LANTA experience (French version of Survivor TV series). Les malentendus between what the business wanted, how the backends understood it and what APIs delivered was a difficult story to piece together and stitch. But somehow, magically, we did it. …


Photo by Joanna Kosinska on Unsplash

“No matter where you’re from, your dreams are valid.” — Lupita Nyong’o, actor.

I attended the Women in Tech 2020 festival last week and diversity & inclusion has been a big subject with much debate. It’s well known that some people have to work harder than others just because of their socio-economic background. That gender and race sometimes even sexual orientation can be a barrier for professional growth. Yet, we hesitate to acknowledge it, even to ourselves. It’s like an Elephant in the room that everyone knows about yet only few try to push out. …


A millennial’s awakening to history lessons that are left obscure in textbooks.

I have traveled a lot within Asia and Europe. Every time I traveled in Asia I could see the similarities between each country. Every time I traveled to Europe the difference was extraordinary. The wide divide between a developing country and a developed country.

Up until recently, I had never been to the Americas. About a year ago I had the opportunity to go on a study trip to 3 beautiful countries: Mexico, Brazil, and Colombia. Naturally, I was excited to finally explore and discover this exotic part of the world.

On our trip, we encountered beautiful, kind, and happy…


What happens when top economies decide to close borders, when billions of people accept to cease unnecessary activities and the whole world joins a slower pace?

Magic, revolution, the most beautiful symphony of thousand hands clapping together, of silent hearts beating a harmonious rhythm for a change that generations have been singing about, of possibilities.

Dear Covid, you have been most unexpected, bewildering, devastating, awakening.

Over 20 countries are under lock-down, more than 3 billion people are staying home, there are barely any petrol-guzzling cars rolling on the streets. …


A golden era. Say the historians. An era, where our worries are not imminent wars and epidemics but rather overdosage of sugar. This is the paradise our ancestors dreamt of. This is the paradise the generations to come will crave for.

Imagine a medieval tribesman who ends up in the Parisian street of 21st century. To his utmost surprise, he finds himself in a world with no tribal wars, inter race families and an unthinkable world without the need for hunting.

Imagine Anne Frank in liberal Berlin. How proud she would be to know that we had the courage to…


The last few months have been exciting; we had over 10,000 people sign up on our waitlist. NIRA was pretty curious to see how some of our users would work with the loans NIRA gave them. So here we are sharing our top 4 picks that we think illustrate how NIRA can be empowering.

Power to travel the world.

Twenty years from now you will be more disappointed by the things you didn’t do than by the ones you did. So throw off the bowlines, sail away from the safe harbor. Catch the trade winds in your sail.
Explore. Dream. Discover. — Mark Twain


“Culture tends to argue that it forbids only that which is unnatural. But from a biological perspective, nothing is unnatural. Whatever is possible is by definition also natural. A truly unnatural behavior, one that goes against the laws of nature, simply cannot exist, so it would need no prohibition.”

Yuval Noah Harari, Sapiens: A Brief History of Humankind

They call us the connected generation. With the advancement of technology and access to megabytes of data at our fingertips, we are consuming far more information than ever. We are curious, we are asking questions, and we are constantly finding our…


3 generations of women. 3 ways of looking at money.

I adored my grandmother. A strong woman who raised seven children and kept a tight control over all the household activities. I still remember her solemn, gracefully wrinkled face, with stern eyes. Unlike most women living in rural India, my grandmother was particular about her finances. She didn’t rely on my simple-minded grandfather who happily whiled away his time under the shade of mango tree on his small farm.

The Strangest Security

Yet, I have to admit I found her ways of “preserving” money rather odd. You see, like most…

Shivani Baghel

I write about change.

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