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Being a ‘first mover’ can be either advantageous or dangerous. Many innovators end up being far ahead of the public’s willingness to adopt new products or ways of doing things. And the companies that follow your lead can just be better at doing what you do. In most cases, being first to market is a definite advantage but plenty of success stories involve simply building a better mousetrap. History is full of pioneers whose mojo was stolen by a second wave that had the advantage of seeing your concept/product in action, identifying how it could be improved and reaping the rewards. Before Bodog, I ran an online gambling turnkey business that powered a number of sites. I got to see what worked and what didn’t. Many of these early sites eventually went dark for one reason or another while Bodog succeeded on a scale these other companies could only dream of. A lot of the incumbents failed to maintain their early advantage because money was rolling in and the guys who ran these sites couldn’t see any reason why that would stop. So they didn’t reinvest profits into making a better product and providing a better service. They dismissed new competitors as not having whatever it was they thought made their own sites successful. Complacency and arrogance are a toxic mix at the best of times but in business, it’s fatal. A lot of the second- and third-wavers also had the advantage of being able to start from scratch software-wise, whereas the original sites were often built on sub-optimal code that was never rebuilt from the ground up, just added to as new features were required. You ended up with something Rube Goldberg might have admired but customers generally didn’t. I definitely benefited from these guys’ shortcomings, but if I had my choice, I’d rather be a leader than a follower. Just remember to keep your foot firmly on the gas pedal, because competitors in your rearview mirror may be closer than they appear.

Join us for the fourth webinar under FICCI's Business for Environment (B4E) Webinar Series – "Scaling Zero Liquid Discharge: Affordable and Flexible Pathways for MSMEs" on 12 August 2026 | 3:00 PM–4:30 PM IST. The webinar will feature an eminent panel of speakers from government, industry, and leading institutions, who will discuss practical and cost-effective approaches to Zero Liquid Discharge (ZLD), emerging technologies, policy developments, financing opportunities, and strategies to help MSMEs strengthen water management, enhance compliance, and build long-term sustainability. Scan the QR code in the flyer or register here: meet.ficci.in/invitee-form.a… #B4E #ZeroLiquidDischarge #ZLD #WaterManagement #MSME #CircularEconomy #IndustrialWater

India has made significant progress in unlocking data, APIs and digital financial infrastructure, and the evolution of banks, NBFCs and MFIs has expanded the reach of MSME finance. The next phase of reform will require deeper institutional and legal strengthening: Mr Partha Pratim Sengupta, MD & CEO, Bandhan Bank

Technology adoption across the banking system is accelerating, but scaling it across institutions and branch networks takes time. As digital adoption deepens over the next few years, the MSME credit gap has the potential to narrow meaningfully: Mr Jinand Shah, MD, OPLinnovate in a session on MSME 2026 at #FIBAC2026

RT Rajiv Gandhi: Attended the FICCI National Executive Council Meeting (NECM) in Mumbai. The interactions were extremely meaningful with…

RT Rajiv Gandhi: Attended the FICCI National Executive Council Meeting (NECM) in Mumbai. The interactions were extremely meaningful with…

Galaxy Entertainment Group and MGM China recorded the largest estimated market share gains among Macau’s six gaming operators in July, with each adding about 1.5 percentage points from the previous month, according to UBS. agbrief.com/news/macau/11/…

Konami Gaming, Inc. has secured ISO 27001 Certification for the information security management system (ISMS) supporting its award-winning SYNKROS® casino management system and Konami Online Interactive iGaming platform. agbrief.com/news/usa/11/08…

Technology already offers the tools to serve a much larger MSME base. The next step is enabling responsible data sharing across regulated entities so that available information can be used more effectively for credit assessment and product delivery: Mr Rajiv Sabharwal, MD & CEO, Tata Capital

The MSME challenge is increasingly structural. While larger enterprises access formal finance more easily, a vast base of micro enterprises remains outside the credit system. Helping these businesses graduate to the next level is the key task for the banking sector: Mr Ashwini Kumar Tewari, MD - Corporate Banking & Subsidiaries, State Bank of India

Building an AI-first bank starts with talent. Successful AI transformation requires three pillars to come together: the right AI engineering talent, widespread AI adoption across the organization, and leadership commitment. While a specialized team of AI, data, engineering, and cybersecurity experts builds AI capabilities, the larger workforce must be equipped to effectively use these tools. Equally important is leadership actively championing and mandating AI adoption across business functions: Mr V Vaidyanathan, MD & CEO, IDFC FIRST Bank

Successful AI transformation begins with getting the fundamentals right. The foundation of AI-led banking lies in a strong backend architecture, with a robust data orchestration layer enabling seamless technology transformation. Banks must focus on sound engineering principles and avoid unnecessary complexity - simple transactions do not always require complex AI models. The real value lies in deploying the right technology for the right use case: Mr Rajat Verma, MD & CEO, DBS Bank India

It is worth highlighting India's emergence as a global innovation hub in banking as well as the vital role of foreign banks in channeling global capital into India. With strong macroeconomic fundamentals despite global headwinds, proactive efforts to broadcast and amplify the India story by policymakers, diplomats, and industry will accelerate long-term global capital inflows into India: Mr P D Singh, CEO- India & South Asia, Standard Chartered India at #FIBAC2026

As banks embrace Agentic AI, responsible innovation will be the key differentiator. Transparency, ethics, accountability, auditability, and strong governance must remain at the heart of AI deployment. It is also important to complement technological intelligence with spiritual intelligence, ensuring innovation is guided by human values: Mr Ashok Chandra, MD & CEO, Punjab National Bank at #FIBAC2026

The biggest return on AI investment is enhancing Ease of Doing Banking for customers. AI-powered, voice-enabled virtual assistants integrated with mobile banking applications are making banking more intuitive, accessible, and inclusive. By simplifying customer interactions and overcoming language barriers, these innovations are helping advance the agenda of inclusive banking while improving customer satisfaction: Dr Debadatta Chand, MD & CEO, Bank of Baroda at #FIBAC2026