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Monday, June 27, 2016

Conceptual outlook

I am not quite sure, if the caption is 'appropriate' (in the sense in which I had meant it to be!) :(

Our very outlook, our very attitude, ... if it is accompanied by the 'look out' for the concepts involved in what we look-at... as a situation... on our outside,
then,
may be our very outlook turns a little conceptual (as compared to other life forms which merely respond to 'perceptional-instincts' , which is also quite valid, when survival, self-preservation etc are synchronised-designs of the 'nature'/prakruti... that had designed them thus! We humans have the potential to make a conscious-choice about everything... whether such choice turns sacrificial, or one-that-of a greed is our individualistic choice!)

I guess, a very recent discussion that took place on a closed-forum, would perhaps... help to understand what I had exactly intended to convey :)

Yes, since it contains my own experience at the work place from where I had re-tyred/retired, I guess, it adds to 'practicability' too, ... to some extent :)


quote:
"New development observed in PNB ATM machine.
6 digit OTP also required for withdrawals, as soon PNB card inserted, OTP generated and received on registered mobile number."


There was a comment on this news:
Does it mean that to use PNB ATM Cards, you MUST have a mobile on hand ? What happens if one does not have a mobile, or if there is no network, no charge or simply if the SMS is not received? They are complicating a convenience in the name of security.

My response:
If many feel thus...
some via-media may emerge... (like asking that OTP only if withdrawal is above 1000)
reply
Sir, amount is not the criteria. If a person cannot withdraw his money at the time of need due to any reason, it is useless. It is time that more than one alternative is put in place.



My response
(to the reply):
Yes!
I agree in totality... (amount is not the criteria)...

Need has always been the criteria ...It is only the lack of recognition of the "need" on the part of the person 'holding' the amount, that poses 'social-problems' :)

A rich person (with abundant surplus savings, ) has to see the 'need' of the situation like an earthquake/tsunami, and has to loosen his purse-strings, and allow at least a small trickle to reach the impoverished-in-deep-distress :)

We bankers are mere-custodians! Our response-ability ...
ideally... ought to be far-more than those paise-waalas :)

The same concept (of that of.... ATM)...
I was a little fortunate to grasp when I had tiny-powers (just a special assistant ... they call 'special Ass'! :)
It so happened, that the signatory of a 'rich' CD a/c left for outstation without leaving a signed leaf of a cheque to meet the weekly wages of workers at his factory. Manager tried to plead with 'officers' to allow a 'withdrawal' (like ATM, which lacks the authenticity of a cheque presented by drawer of an a/c :) )...
I happened to be a little more-familiar with conduct of account, and decided to take a 'risk'... I asked that manager to sign , plus a letter explaining the 'situation', .. I paid, as an 'official' though-not-an-officer!..
later the owner ratified my action, substantiated and "categorically" authenticated my 'illegal' action with a generous dose of gratitude ...

On another occasion, we used a 'double-blink' of eye-lid as a symbol (which the true meaning of a signature), of approving a withdrawal, when the signatory was bed-ridden+incapacitated! (yes, bank's lawyer, a notary, a medico, etc attested that 'drama' to document it as an evidence, just-in-case of any eventuality of a subsequent litigation!)...

Like you said, 'need' is of utmost priority!
(there is a saying "for want of a horse-shoe, a Kingdom was lost" :)

I am sorry, if this response turned a little too-long!
(my colleagues... so, the temptation to agree+share was too-strong :) )
regards,
psn

unquote:

conceptually yours,
psn (27th June, 2016)

2 comments:

Wanderer said...

This ability to take calculated risk based on personal assessment was more in govt bank employees than now. Pvt bank employees work in personal risk assessment.

P.S.NARAYANAN said...

True,
And typically, stock-in-trade is money :)