India’s Influential Men Leaders Making Waves in the Business- 2024 (2)

LOOK www.ciolookindia.com I N D I A Vol 04 | Issue 05 | 2024 The Indian Mavericks How Modern Business Leaders are Redefining Success? Tech Titans of Tomorrow Top Ten Leadership Trends in India's Booming Tech Industry Dr George Panicker Founder and CEO International STEAM Research (ISR) Setting International S.T.E.A.M Research-Powered Educational Revolution in Motion

SHAPING INDIA'S ECONOMIC FUTURE: VISIONARY LEADERS AT THE FOREFRONT T he Indian business world is a dynamic ecosystem, constantly evolving and adapting. At the forefront of this change are a group of influential leaders who are not only driving success for their own companies but also shaping the nation's economic trajectory. the complexities of a rapidly evolving economic landscape, ensuring growth and fostering financial inclusion for all. Their strategic initiatives in banking, investment, and wealth management are laying the groundwork for a more robust and inclusive financial ecosystem in India. These leaders come from diverse backgrounds, with expertise spanning technology, finance, healthcare, and manufacturing. Their impact reaches far beyond the boardroom. They influence policy, inspire entrepreneurs, and champion social responsibility initiatives that benefit communities across India. These influential leaders are not just shaping the present, they are also inspiring the next generation of business leaders. Their leadership, vision, and dedication to excellence serve as a testament to the spirit of entrepreneurship and innovation that defines the Indian business landscape. These leaders are at the heart of social engineering, fostering innovation, efficiency, and sustainability in both established and emerging sectors. Their commitment to quality, cutting-edge solutions, and responsible business practices is not only propelling growth but also solidifying India's position as a global leader in sustainability. The contributions of these CIOLook ‘India’s Influential Men Leaders Making Waves in the Business- 2024,’ will remain instrumental in shaping the future of business and driving positive change across industries, as India continues its journey towards economic growth and development. As they navigate through the challenges and opportunities of the 21st century business landscape, their leadership, resilience, and commitment to excellence serve as a source of inspiration for businesses, entrepreneurs, and aspiring leaders alike. Visionary leaders in the technology sector are harnessing the power of innovation to drive digital transformation and reshape entire industries. In the financial sector, experienced leaders are navigating Editor's - Gaurav PR Wankhade Managing Editor Note

08 Contents P R O F I L E S Cover Story 22 Biren Mukesh Shah The Visionary Leader Redefining Financial Planning in India 32 Cedrus Consultants Pvt. Ltd. Your Trusted Navigator to A Secure Financial Future A R T I C L E S 18 Tech Titans of Tomorrow Top Ten Leadership Trends in India's Booming Tech Industry 28 The Indian Mavericks How Modern Business Leaders are Redefining Success? Setting International S.T.E.A.M Research-Powered Educational Revolution in Motion

FOLLOW US ON www.twitter.com/ciolookindia www.facebook.com/ciolookindia/ LOOK I N D I A www.ciolookindia.com Abhishek Joshi Editor-in-Chief WE ARE ALSO AVAILABLE ON CONTENT Managing Editor: Gaurav PR Wankhade Assisting Editor : Prajakta Zurale CONTACT US ON Email Featuring Company Brief sales@ciolookindia.com For Subscription With over a decade of insurance industry experience, Biren Mukesh Shah, as the founder of FinArray specializes in mutual fund, equity, bond, and various types of insurance. DESIGN Biren Mukesh Shah, Founder FinArray Visualizer: Sandeep Tikode Art & Design Director: Rashmi Singh Associate Designer : Sameen Arif www.ciolookindia.com Dinoj Joseph, MD of Medgyor is an experienced industrial designer and project manager with a demonstrated history of working in the medical device industry. Dinoj Joseph, Managing Director Medgyor Pvt Ltd Copyright © 2024 CIOLOOK India, All rights reserved. The content and images used in this magazine should not be reproduced or transmitted in any form or by any means, electronic, mechanical, photocopying, recording or otherwise, without prior permission from CIOLOOK India. Reprint rights remain solely with CIOLOOK India. SALES Dr George Panicker, Founder and CEO of ISR, is the S.T.E.A.M expert from India, an accomplished author, passionate educator, and inspiring entrepreneur with over 25 years of expertise. International STEAM Research (ISR) Dr George Panicker, Founder and CEO Vice President : Swapnali Vasaikar Asst. Vice President : Tejaswini Whaval Team Leader : Suraj Gadekar Sr. BDE : Reetika Sharma The founder of Cedrus Consultants, Nilesh S. Bajaj is a Certified Financial Planner (CFP) and Registered Investment Advisor (RIA), doing a noble work of treating the financial health of individual families. Cedrus Consultants Pvt. Ltd. Nilesh S. Bajaj, Founder TECHNICAL Sunil Raina has been with Lava for almost eight years, having held several leadership roles through his tenure, is now leading the company as Managing Director. Sunil Raina, Managing Director Technical Head : Prachi Mokashi Technical Specialist: Rajeshwari Avhad Technical Consultant : Tanaji Fartade Lava International Ltd. sales@ciolookindia.com April, 2024 SME-SMO Research Analyst : Renuka Kulkarni SEO Lead : Nikita Khadalkar Cover Price: Rs.300/-

n o i t o M n i n o i t u l o v e R l a n o i t a c u d E d e r e w o P - h c r a e s e R I magine progress as a lighthouse, its beam guided by unwavering spirits. These are the visionary educators who march with boundless hearts, ingenious minds, and fearless entrepreneurial fire. Undaunted by tradition's tides, they dive into the boundless ocean of knowledge, surfacing with revolutionary pearls of wisdom. Their light disrupts the status quo, reshaping the present and illuminating the path for future generations. This is the symphony of education, a chorus of thinkers, learners, and believers in the human story, harmonizing to build a glorious tomorrow, brick by brick, creating a revolution. M . A . E . T . Sl a n o i t a n r e t n I g n i t t e S However, every revolution needs a revolutionary leadership. Meet Dr George Panicker – the maverick making waves in India's 2024 business landscape. He's not just a Founder, he's a revolution in motion, reshaping industries and igniting minds with his infectious passion and unorthodox vision. Our aim is not to make individuals experts in all these subjects but to harness the essential transferable skills inherent in them. Instead of dusty textbooks and rote memorization, in the dynamic world of Dr Panicker, education takes a captivating pirouette, transforming into a whirlwind of STEAM-powered learning that's not just revolutionary, it's contagious. As the CEO of Dr George Panicker Founder and CEO International STEAM Research (ISR)

India's Influential Men Leaders Making Waves in the Business- 2024 International STEAM Research (ISR), Dr Panicker is more than just a leader; he's the spark igniting an international education revolution, one captivating lesson at a time. He clarifies, “Our aim is not to make individuals experts in all the subjects but to harness the essential transferable skills inherent in them. These skills are crucial for a thriving economy and a safe, sustainable society. To achieve this goal, we offer scalable, sustainable, inclusive, and integrated STEAM programs and research. This involves leveraging the expertise of forward-thinking individuals, administrators, teachers, and institutional support to impact students positively. Thus, the establishment of International STEAM Research (ISR).” The Secret Dr Panicker doesn't believe in unoriginal learning. He champions heutagogy, where education becomes a personalized journey, not a pre-scripted lecture. Students become independent investigators, architects of their own learning, fueled by futuristic technologies and hands-on experiences. Imagine coding robots in kindergarten, composing music with AI in middle school, or designing sustainable communities using virtual reality in high school. This is the world Dr Panicker brings to life. The Fusion Founded by two versatile educators, Dr George Panicker, the Founder and CEO, and Capt. Shaji Sebastian, the Founder and Mentor of ISR, the organization has been actively promoting Heutagogy with various institutions and organizations globally since 2017. Inspired by visionary pioneers, Dr Panicker launched ISR along with his friend Capt. Shaji Sebastian, on an undertaking: equipping India's youth with cutting-edge STEAM methodology, igniting minds for self-directed learning, and nurturing a generation of future innovators. Within a short span, ISR has become the nation's leading provider of affordable, immersive STEAM education, empowering schools across the country. Through the provision of quality education (SDG 4) for all, ISR aims to break the cycle of poverty (SDG 1) and contribute to achieving gender equality (SDG 5). By addressing these three Sustainable Development Goals (SDG), ISR endeavors to assist people in obtaining decent work and contributing to their economies (SDG 8), ultimately empowering them to lead healthier lives (SDG 3). Dr Panicker reveals, “Through education, we can foster the values of empathy and inclusiveness, key to reducing inequalities (SDG 10), ultimately leading to peaceful societies (SDG 16).” The Process By dismantling the antiquated walls of traditional education and unleash the symphonic potential of Science, Technology, Engineering, Arts, and Mathematics (STEAM) within every student, through ISR's innovative programs, classrooms become vibrant laboratories where curiosity explodes like chemical reactions, creativity spills like digital ink, and critical thinking hums like well-oiled gears. His impact echoes beyond classrooms. ISR's reach extends to rural communities, empowering underserved youth with access to STEAM education and the tools to build their own futures. His projects, like the Happy Zone initiative, create vibrant learning spaces within schools, even in remote areas, transforming traditional teaching into that of innovation and collaboration. Picture classrooms buzzing with robots and futuristic technologies, where curiosity runs wild and young minds dive into the boundless ocean of STEAM. This is the legacy Dr Panicker is building at ISR, inspired by the words of Irina Bokova: “Education is the most powerful force for good.” With this mantra etched in their hearts, ISR empowers schools across India with affordable, cutting- edge learning experiences, nurturing a generation of self- determined learners and future shapers. ISR STEAM Experiential learning, with its 7E methodology, is more deliberate, planned, and involves learning through self-reflection. But Dr Panicker's revolution isn't just about technology and fancy gadgets. He believes in the power of human connection and empathy, ensuring that STEAM education doesn't turn children into soulless robots, but rather cultivates well-rounded individuals with a sense of social responsibility and environmental awareness. The Vision Dr Panicker emphasizes that, at ISR, their commitment to contributing to the United Nations' Sustainable Development Goals (SDGs) is manifested through programs centered on Science and Technology, employing Engineering and Artistic processes based on Mathematical principles, commonly known as STEAM. So, what makes Dr Panicker's leadership revolutionary? He dares to dream big: His vision isn't confined to

classrooms; it stretches across continents, aiming to make quality STEAM education accessible to all. He champions the unconventional: He embraces heutagogy, immersive technologies, and personalized learning, breaking free from the shackles of rote memorization. He leads with infectious passion: His enthusiasm for STEAM is palpable, sparking the same fire in students and educators. He measures success beyond grades: The impact of his work is visible in empowered communities, flourishing young minds, and a generation equipped to tackle the challenges of tomorrow. The Distinction Heutagogy Champion: Ditch the one-size-fits-all learning! Dr Panicker champions heutagogy, personalized learning that empowers individuals to become independent, lifelong learners. This philosophy spills over into his leadership, creating vibrant, collaborative environments where every voice is heard and every idea has the chance to flourish. Beyond Bottom Lines: Profits are important, but impact is Dr Panicker's north star. He believes in businesses that not only thrive, but also contribute to social good and sustainable development. His projects, from STEAM education initiatives to rural development programs, prove that success can be measured in ways beyond the balance sheet. Innovation in Everything: Forget stale strategies and tired tactics. Dr Panicker embraces cutting-edge technology and unconventional approaches to tackle age-old problems. He's at the forefront of exploring artificial intelligence, immersive learning, and future-proof business models, proving that innovation is not just a buzzword, but a way of life. Experiential learning proves beneficial by establishing connections between content and the learner's real-world experiences, rendering it more relevant, applicable, and easier to absorb. A Beacon for Aspiring Leaders: Dr Panicker isn't just a leader, he's a mentor, an inspiration. He actively engages with young entrepreneurs and business students, sharing his wisdom and experience, and sparking the fire of entrepreneurial spirit in the next generation. Dr Panicker emphasizes the urgent need for a transformation in our formal education system, which has largely remained static since the era of industrialization. He expresses, “The conventional approach of rote learning,

where teachers deliver monologues and students passively listen, must be abandoned. ISR represents our solution to usher in a paradigm shift from the traditional education philosophy, centered on standardized test scores, to a contemporary ideal that places equal value on the learning process and outcomes.” Elaborating on the evolving landscape of employment requirements, he notes, “Employers now seek qualities like creativity, ingenuity, innovation, agility and adaptability, critical thinking, complex problem-solving ability, people management skills, emotional intelligence, and cognitive flexibility instead of just college degrees.” While recognizing the significance of textbooks and content, Dr Panicker asserts, “Yet, there is an ongoing need for innovation and reinvention in response to the evolving context and challenges stemming from rapid changes in our surroundings.” To address this gap, experiential learning proves beneficial by establishing connections between content and the learner's real-world experiences, rendering it more relevant, applicable, and easier to absorb. ISR collaborates with schools and institutions to empower students through integrated Science, Technology, Engineering, Arts, and Mathematics (STEAM) Experiential Learning Labs, called ‘Happy Zone,’ equipped with futuristic technologies such as Robotics, Drones, AI, AR, VR, IoT, and Applied Coding. These labs align with the various stages outlined in the NEP-2020 guidelines. The global education landscape, including Indian education, is already undergoing a transformation. In the Indian context, the transformation has commenced with the implementation of the National Education Policy - 2020. Consequently, Dr Panicker and Capt. Sebastian have devised the ISR STEAM ecosystem model to foster invention literacy through innovative collaboration and cooperation among various institutions, organizations, communities, networks, and thought leaders. Dr Panicker highlights, “This approach is crucial for cultivating mindful, lifelong learners and problem-solvers dedicated to building a sustainable world.” The Creation Dr George Panicker is not just making waves in India's business world; he's creating a tidal wave of change. He's redefining success, democratizing knowledge, and pushing the boundaries of what's possible. He's the embodiment of audacious vision, relentless energy, and a deep-seated belief in the power of both individuals and businesses to make a difference. The Transformation Dr Panicker is not just changing the face of education; he's changing the world. He's proving that learning can be exhilarating, that innovation can empower, and that STEAM education is not just a buzzword, but a powerful tool for building a brighter future, one captivating spark at a time. According to Dr Panicker, the NEP 2020 stands as a groundbreaking document, outlining a path for India to embrace Education 4.0. It comprehensively addresses all stakeholders within the educational ecosystem. The policy urges teachers to move beyond traditional, selective, and limited curriculum-based teaching methods, empowering them to utilize advanced assistive technologies. This approach enhances student engagement by fostering personalized learning, emphasizing the importance of out- of-the-box thinking in Education 4.0. Dr Panicker, a passionate advocate of Heutagogy and a deeply committed educator, asserts, “In a world where content is abundantly available and easily accessible, rendering memorization obsolete, ISR STEAM Experiential Learning is context-based rather than content-based.” Given that ISR STEAM Experiential Learning is not confined to a fixed curriculum but is continually evolving, dynamic, and organic, incorporating it into students' daily routines poses significant challenges. This necessitates teachers to remain vigilant and consistently enhance their skills to align with new standards and emerging technologies. The only way to be prepared for the future of work is to embrace the idea of helping all learners to be future-ready mindful problem-solvers. He further contends that, before it becomes too late, there is an imperative need to dismantle the traditional constraints of the educational system and overhaul it entirely. Conventional aspects of education such as reading, memorization, writing, and arithmetic are deemed insufficient to meet the demands of the future. Dr Panicker emphasizes the responsibility to equip students with the 4 C’s of 21st-century education: Critical thinking, Creativity, Communication, and Collaboration. Dr Panicker emphasizes, “The future of education lies in integrating experiential learning with practical, research- based activities into the core pedagogy of schools, enabling students to develop their metacognitive skills.” The Collaboration He adds that, to instill a scientific mindset in students, the methodology of 'S.T.E.A.M (Science, Technology, Engineering, Arts, and Mathematics) Experiential Learning hands-on activities' proves to be ideal. This approach allows students to learn while having fun, without the fear of failure. Recognizing this, it becomes crucial for educational institutions to engage with experts who can guide them in seamlessly integrating STEAM Experiential Learning activities into their existing infrastructure without necessitating extensive financial investments.

Dr Panicker emphasizes, “We collaborate with schools to offer students Experiential Learning through hands-on STEAM activities using futuristic technologies, ensuring the highest ethical standards at an affordable cost.” prior understanding, encouraging reflection and conceptualization before applying it to new situations, thereby making learning meaningful and authentic. True learning, in this context, involves engaging in real-world experiences through multisensory approaches, rather than passively absorbing information from textbooks. in one school or classroom setting may not be applicable in another. Therefore, lesson plans must be connected to the local context and resources to ensure meaningful experiences and prevent learner disengagement. The ISR LIFE, USA, Research & Development center, supported by a dedicated team of STEAM experts, facilitates the dynamic and customized planning of lesson plans for ISR facilitators in individual partner schools. outcome-based and utilizes futuristic technologies to prepare students for the future. The focus is on making students future-proof and versatile, extending beyond turning them into lifelong learners and problem solvers. The aim is to nurture individuals who are not only proficient in a range of skills but also uphold the values of being good human beings and constructive, law-abiding global citizens. Structured on the ISR 7E methodology and CRM XP 360 frameworks, ISR activities within a STEAM Lab, commonly referred to as the 'Happy Zone,' encourage students to collaborate in small groups. They work towards finding solutions to real-world problems through critical thinking, research-based inquiry, and open-ended exploration. This holistic design-thinking process incorporates multiple subjects. While teachers can creatively plan learning experiences using local resources, executing STEAM activities sustainably and inclusively within the classroom is facilitated by the ISR XP Kit provided to learners by trained ISR facilitators. This streamlined approach simplifies the life of teachers within the school setting. Dr Panicker, drawing on his rich experience of over 20 years and having been involved in major educational projects worldwide, emphasizes the inevitability of exponential technological development. He underscores the necessity for collaboration among all stakeholders to ensure that everyone is future-ready. Dr Panicker concludes that embracing the idea of helping all learners become future- ready mindful problem-solvers is the key to preparing for the future of work. Developing lesson plans following the ISR 7E cycle would be challenging for a non-ISR STEAM-skilled teacher or facilitator. Hence, it is crucial for educators to undergo regular ISR capacity-building trainings and stay aligned with the ISR R&D team to effectively implement ISR STEAM Experiential learning. As students learn collaboratively and have fun, they arrive at results through multiple attempts, allowing them to develop and refine their Heutagogical skills, as assured by Dr Panicker. To facilitate such initiatives within schools, the school management must ensure they are affordable, scalable, inclusive, and sustainable in the long term. As experiential learning promotes independent reflection and observation, it accommodates the diverse learning styles present in a classroom. In settings with learners from various backgrounds and cultural contexts, ISR facilitators undergo training to tailor learning experiences effectively, addressing diversity. Through ISR STEAM experiential learning, learners absorb, apply, and subsequently reflect on the knowledge gained through their experiences. The Evolution Dr Panicker asserts that the future job market will favor those who are heutagogical and versatile. Advanced technologies incorporating AI, Robotics, IoT, coding, virtual reality, augmented reality, and more are reshaping the workforce, rendering it almost unrecognizable and displacing millions of workers. The current use of artificial intelligence in law firms, banks, accounting firms, hospitals, corporations, and education platforms is already indicative of this trend, leading to job displacement. So, keep your eyes peeled for Dr George Panicker. He's not just leading the way, he's showing us a whole new path to a brighter, more innovative, and impactful future. All schools that have partnered with ISR in India express immense appreciation for the high-quality international standard service that ISR consistently provides them. The learning environment within a HAPPY ZONE/STEAM Lab prioritizes student centrality, granting students control over their own learning. This approach empowers them to think critically, evaluate, make decisions, and construct knowledge. As a result, the learning experience becomes cooperative, collaborative, and independent, effectively bridging the gap between theory and practice. Importantly, this doesn't entail merely engaging in numerous activities, taking students on aimless outings, utilizing expensive resources without a clear learning objective, or passively watching videos in a smart class. Dr George Panicker’s Hall of Fame The Implementation Dr George Panicker was awarded as Experiential learning empowers learners to take ownership and pride in the tangible results of their hands-on activities. This accelerates the learning process, making knowledge acquisition interesting and enjoyable, ultimately enhancing comprehension and retention for a lifetime. • ‘Global Change Maker of 2024,’ by Mc STEM Global Awards, USA. In this evolving landscape, robots are performing high- precision, long-duration critical surgeries without fatigue, while AI is being employed for the precise detection of cancerous cells and other critical diseases. Driverless cars, air taxis, face recognition check-ins and check-outs at airports and shopping malls, food delivery by drones, and the use of 3D printing and robots in construction and manufacturing are set to drive the economy. Even the music industry is leveraging machine learning, using AI to produce music in various languages through a neural network of machine algorithms that can rival human performance. Dr George Panicker is featured as ISR STEAM Experiential Education is neutral with respect to education boards and curricula. Schools adhering to any education board can integrate ISR STEAM Experiential learning into their existing curriculum, adding significant value. • ‘Entrepreneurs to Follow in 2023,’ in CIOLook India Magazine. ‘Entrepreneur of the Year 2022,’ in Business Outreach Magazine. • • Dr George Panicker & Capt. Shaji Sebastian are featured as The Experimentation Educators must be mindful of the fine line between Experience and Experiential. Experience, or Experiencing, denotes learning by doing, which may or may not involve reflection. Whereas, Experiential is not just hands-on, but minds-on as well. ISR STEAM Experiential learning, with its 7E methodology, is more deliberate, planned, and involves learning through self-reflection. Consequently, it places the responsibility for learning on the learner. It's crucial to recognize that not every hands-on activity qualifies as experiential learning. Mere hands-on engagement doesn't guarantee mindful involvement. Numerous projects, field trips, and situations lack lasting impact due to insufficient time allocated for assimilating and conceptualizing the experience within the authentic STEAM Experiential learning framework. • ‘Most Dynamic Personalities 2022,’ in Fortune India Magazine. There is a rising global demand for STEAM-skilled personnel, with STEAM jobs growing three times faster than non-STEAM jobs in the US. These jobs often exist in the most innovative fields and progressive companies, offering exciting and challenging work. Globally, 75% of the fastest-growing occupations require STEAM skills. • ISR is awarded as • ‘The Best Company to Work For 2022,’ by Prime Insights Magazine. ‘Brand of The Year 2022,’ by Business Outreach Magazine. ‘Most Innovative Business 2022’ MSME Indian Business Award.’ ‘Atmanirbhar Bharat Award 2022.’ ‘Best S.T.E.A.M Education Company 2022.’ ISR STEAM Experiential Learning aligns with the curricular and pedagogical structure of the National Education Policy, catering to four stages: Foundational, Preparatory, Middle, and Secondary. Experiential Learning empowers learners to connect new knowledge with their Implementing ISR STEAM Experiential learning demands extensive planning and upskilling on the facilitator's part. They need to ensure that learning engagements connect to real-life situations and hold meaning for the learner. This requires a solid background understanding, and what works • The Revolution ISR STEAM Experiential Learning service, aligned with the NEP-2020 and provided to schools by ISR, is • • •

Tech Titans of Tomorrow Leadership Trends in India's Industry A s India's technology sector continues to grow and evolve at a rapid pace, several leadership trends are emerging that are shaping the future of the industry. These trends reflect the dynamic nature of technology and the strategic priorities of India's tech leaders. Focus on Sustainable Growth: Championing Sustainability Tech leaders understand the need for sustainable practices. They are integrating environmental consciousness into their operations and developing solutions that address climate change. India's tech industry is experiencing explosive growth, and at the helm are a new generation of leaders poised to shape the future. These "Tech Titans of Tomorrow" are not just building successful companies; they're pioneering new leadership styles that prioritize innovation, collaboration, and social impact. Sustainability is becoming a central theme. Leaders are incorporating green technologies and sustainable practices to reduce the environmental impact of their operations. This not only helps in compliance with regulatory standards but also appeals to eco-conscious consumers and investors . Here are the top ten trends defining leadership in India's booming tech scene: Embracing Digital Transformation: Fostering a Culture of Innovation Investment in Emerging Technologies: Data- Driven Decision Making Constant innovation is key to staying ahead of the curve. Leaders are fostering a culture that encourages creativity, experimentation, and calculated risk-taking. Big data isn't just a buzzword. Tech Titans leverage data analytics to gain insights, optimize operations, and make strategic decisions. There is a significant focus on emerging technologies like spatial computing, generative AI, and quantum computing. These technologies are expected to revolutionize various sectors, from healthcare to finance, providing new avenues for growth and innovation . Tech leaders are prioritizing digital transformation to maintain a competitive edge. This involves integrating advanced digital technologies such as AI, machine learning, and IoT into core business processes to enhance efficiency and innovation . (18) (19) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

Building a Robust Framework: Prioritizing Cybersecurity innovation and flexibility, encouraging teams to experiment and quickly adapt to new market demands and technological advancements . As cyberattacks become more frequent and sophisticated, tech leaders are placing cybersecurity at the forefront of their concerns. This translates into a multi-pronged approach: implementing cutting-edge security measures, attracting and retaining top cybersecurity talent, and developing thorough risk management plans. By taking these proactive steps, they're safeguarding their company's most valuable assets – its digital data. Collaborative Ecosystems: Building for a Global Market Gone are the days of solely focusing on the domestic market. Tech leaders are building companies with a global mindset, attracting talent and customers from around the world. Collaboration is essential for driving innovation. Leaders are building ecosystems that include startups, academic institutions, and industry partners to foster collaboration, share knowledge, and co-create solutions . With the increasing frequency of cyberattacks, tech leaders are prioritizing cybersecurity. This includes implementing advanced security measures, investing in cybersecurity talent, and developing comprehensive risk management strategies to protect digital assets . Inclusive Leadership: Building Diverse and Inclusive Teams Talent Development and Retention: Lifelong Learning Tech Titans understand the power of diversity. They actively build teams with a variety of backgrounds and perspectives, leading to more innovative solutions. The tech landscape is constantly evolving. Leaders prioritize continuous learning, encouraging themselves and their teams to stay updated on the latest trends and technologies. Diversity and inclusion are becoming strategic priorities. Tech leaders are implementing policies and practices that promote gender diversity, inclusivity, and equal opportunities within their organizations to drive better business outcomes and innovation . The demand for skilled tech professionals is at an all-time high. Leaders are focusing on talent development through continuous learning and development programs, partnerships with educational institutions, and creating a supportive work environment to retain top talent . Strategic Government Partnerships: Giving Back to Society Prioritizing Employee Well-being and Enhancing Customer Experience Profit isn't everything. Many Tech Titans are actively involved in social impact initiatives, leveraging technology to address social challenges and empower communities. Happy employees are productive employees. Tech leaders are recognizing the importance of employee well-being and investing in initiatives that promote work-life balance and mental health. Leveraging government initiatives and policies such as Digital India and Make in India, tech leaders are working closely with the government to drive growth and innovation. These partnerships are helping in creating a favorable business environment and providing support for emerging startups . Customer-centricity is key. Leaders are leveraging technologies like AI and big data to gain insights into customer preferences and behaviors, enabling them to deliver personalized and seamless experiences across all touchpoints . The Road Ahead Adaptive Leadership: Embracing Agile Methodologies These trends highlight how India's tech leaders are not only adapting to the current technological landscape but are also setting the stage for future growth and success. By embracing these qualities, the Tech Titans of Tomorrow are not just building successful businesses; they are shaping a future where technology is a force for good, driving innovation, inclusivity, and positive change on a global scale. Gone are the days of rigid, siloed structures. Tech Titans are adopting agile methodologies to foster collaboration, adaptability, and faster product development cycles. In a rapidly changing tech landscape, agility and adaptability are crucial. Leaders are fostering a culture of (20) April| 2024 www.ciolookindia.com

India's Influential Men Leaders Making Waves in the Business- 2024 As we envision our company's future, our commitment to making a lasting impact on India's investment management landscape remains steadfast. The Visionary Leader Rede?ining Financial Planning in India T he world of finance has changed drastically. In modern times, many complex products can leave individuals feeling overwhelmed. In such a scenario, Biren Mukesh Shah shines as a beacon of clarity and personalized service. As the Founder of FinArray,a leading investment management company in India, Biren isn't just a businessman; he's a visionary leader redefining financial planning for the modern age. FinArray's mission is to be more than just a financial services provider; it aspires to be a trusted life planner. Biren highlights the importance of building long-lasting relationships: "Our vision wasn't solely about generating profits. It was about building trust and empowering individuals.” This commitment to client-centricity is evident in FinArray's approach. They go beyond mere transactions, offering comprehensive after-sales services and addressing common financial pitfalls like neglected insurance policies or underperforming investments. Driven by a deep understanding of individuals' anxieties when navigating financial decisions, Biren established FinArray with a core principle: to go beyond mere transactions and build long-lasting relationships. He recognized the gap between selling financial products and offering comprehensive after-sales support, a void he aimed to fill with FinArray's unique approach. "We wanted to demystify the financial world and make it accessible to everyone," Biren emphasizes. FinArray's innovative Mini Office concept directly brought financial services to people's doorsteps, simplifying financial management. Biren's commitment to client-centricity and financial literacy has propelled FinArray to the forefront of the Indian financial landscape. His leadership is not just about numbers; it's about empowering individuals to make informed financial choices and achieve their long-term goals. Biren further reiterates the core motivation behind FinArray: "Our goal was to revolutionize the industry, to make financial services more human-centred. We want to be the partner people trust, not just for investments but for their overall financial well-being." This commitment to redefining financial services continues to be the driving force behind FinArray's success. Building FinArray: A Journey Beyond Financial Products Biren Mukesh Shah Founder FinArray The Pillars of FinArray's Success: A Client-Centric Approach Biren shares the company's origin story, revealing a vision beyond simple fund management. He recognized a critical gap in the financial services industry: a lack of personalized attention and guidance. Biren sheds light on the core principles that have driven FinArray's achievements. Their success lies in a strong client-centric philosophy, fostering partnerships built on trust and long-term commitment. This dedication extends to clients and FinArray's employees, who play a crucial role in their journey. "We saw a need to disrupt the status quo," Biren explains. "Traditional financial institutions often left clients overwhelmed by complex products and with minimal support. FinArray was born from this observation.” (22) (23) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

Transparency at the Forefront: Biren emphasizes the importance of clear communication. "We prioritize transparency and honesty," he states. "Demystifying financial processes allows our clients to make informed decisions confidently." In a world of complex financial products, FinArray cuts through the confusion, empowering its clients with financial knowledge. FinArray: Embracing Technology for a Smoother Financial Journey metrics, encompassing client satisfaction, innovation, and ethical practices. This shared purpose becomes the guiding light for every team member at FinArray. Biren emphasizes technology's central role in FinArray's strategy. "Technology is at the forefront of everything we do," he states. "It allows us to optimize services and stay ahead in the digital age." Empowering Ownership: FinArray fosters a culture of ownership. Biren explains, "We encourage each team member to take ownership of their work and contribute to the organization's success." This empowers individuals, fosters a sense of responsibility, and leads to a more engaged and motivated workforce. Beyond Returns:Focusing on Impact: FinArray recognizes that success goes beyond financial results. "We are committed to understanding each client's unique needs and aspirations," Biren explains. FinArray's commitment to technology is multifaceted, impacting various aspects of its operations: FinArray Insurance Portal: A Tech-Driven Solution Transparency: Building Trust They focus on positively impacting people's lives, tailoring financial solutions to meet individual circumstances. Client satisfaction and success are the true measures of FinArray's achievements. This innovative platform utilizes cutting-edge technology to streamline insurance processes. Beyond simple digitization, it offers user-friendly features that ensure exceptional customer service. Clients can manage policies, access bonus information, set reminders, and get assistance with claims – all through a convenient online portal. Open and transparent communication is the cornerstone of FinArray's culture. By sharing information about goals, challenges, and successes, Biren ensures that everyone feels informed and connected to the company's broader objectives. Embracing Change:A Culture of Innovation The financial landscape is constantly evolving, and FinArray remains at the forefront by fostering a spirit of continuous innovation. Whether it's the introduction of the innovative Mini Office concept or the integration of cutting-edge technologies, they constantly strive to enhance the client experience. Collaboration is Key: Mini Office Concept: Technology for Accessibility FinArray values collaboration and knowledge-sharing. "Teamwork isn't just about working together; it's about growing together," Biren highlights. Cross-functional collaboration is encouraged, leveraging diverse skills and perspectives to achieve optimal results. FinArray's Mini Office concept exemplifies how technology enhances accessibility. provide clients with a technological edge in their financial journey. By optimizing services through technology, FinArray ensures it remains at the forefront of the digital revolution in investment management. Investing in People:A Strong Team is Key The dedication and expertise of FinArray's team are pillars of their success. "We invest in our people," Biren highlights. By offering door-to-door services, they provide convenience and utilize technology to ensure operational efficiency. This innovative approach brings financial services closer to people, making financial management easier. Lifelong Learning: They equip their team with the knowledge and skills needed to navigate the complexities of finance. A collaborative and responsible environment ensures that every team member plays a vital role in client success. Overcoming Challenges: FinArray's Strategy for Unclaimed Policies and Dormant Funds The financial world is constantly evolving. Biren recognizes the importance of continuous learning. FinArray invests in its team's professional development, providing opportunities to enhance skills and stay current with industry trends. Comprehensive Reports: Transparency Powered by Technology Biren acknowledges that challenges are inevitable in the fast-paced world of investment management. He highlights a particular instance where FinArray's team showcased exceptional resilience and ingenuity: addressing the widespread lack of awareness regarding unclaimed insurance policies and dormant mutual funds. In essence, FinArray's guiding philosophy hinges on building lasting relationships, prioritizing transparency, embracing innovation, and investing in its team. This client- centric approach ensures that FinArray's success is intrinsically linked to the success and well-being of its clients. Technology empowers FinArray to provide clients with detailed reports on their financial portfolios. These reports offer comprehensive information on investments, insurance policies, and more, including snapshots, calendars, summaries, and statements. FinArray's effective use of technology facilitates this level of transparency. Celebrating Success: Recognition and reward are fundamental to Biren's leadership style. He emphasizes acknowledging individual and team achievements. This fosters a positive and motivating work environment, reinforcing the value of each team member's contribution. Identifying the Gap: Building a Winning Team: A Visionary Leadership Prioritizing Security in the Digital Age The challenge arose from a significant knowledge gap. Many clients were unaware of their existing investments, leading to frustration and missed financial opportunities. Biren, the leader behind FinArray's success, explains his leadership philosophy, emphasizing a collaborative approach that empowers individuals and unites the team toward a shared vision. Security is paramount in the digital world. FinArray employs state-of-the-art security measures to safeguard client data. Biren's leadership approach revolves around creating a culture where individuals feel valued, motivated, and aligned with the company's vision. By fostering collaboration, empowerment, and continuous learning, FinArray builds a well-equipped team to tackle challenges and achieve collective goals. Crafting a Solution: This includes robust encryption, secure online portals, and continuous monitoring to prevent potential threats. FinArray's commitment to technology extends beyond just keeping pace; they strive to set industry standards and FinArray didn't shy away from the challenge. Their team devised a multifaceted strategy to tackle it: Shared Purpose, Unwavering Commitment: "A clear and compelling vision is essential," Biren states. He believes in a vision that extends beyond financial (24) (25) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

Comprehensive Awareness Campaign: Stay Informed and Adapt: Keep pace with market trends, regulations, and technology. Embrace change to stay ahead. They launched a multi-pronged approach to educate clients and the general public about managing and claiming their investments. Innovate and Be Flexible: Utilize technology and innovative solutions to differentiate yourself in a competitive market. Personalized Outreach: Assemble a Visionary Team: Surround yourself with a team that shares your values to navigate complexities and achieve collective success. Recognizing the need for a human touch, the team con- tacted individuals directly, explaining the complexities of unclaimed policies and dormant funds. Prioritize Ethics: Uphold ethical practices for long-term success. Trust and integrity are the cornerstones of this industry. Tech for Transparency: FinArray leveraged technology to amplify its message. Social media, email campaigns, and informative webinars all contributed to raising awareness. Additionally, the innovative FinArray Insurance Portal is a crucial tool, educating clients about their specific policies and investments and bridging the gap between individuals and their financial assets. Biren’s Vision for Shaping India's Investment Future Biren outlines FinArray's unwavering commitment to leaving a lasting mark on India's investment management landscape: Impact and Success: Expanding Reach: FinArray plans to make financial services accessible nationwide by expanding its innovative Mini Office concept. The team's resilience, coupled with the strategic awareness campaign, yielded positive results: Reduced Unclaimed Policies: Tech-Driven Future: They aim to enhance their technological capabilities further, offering even more seamless and comprehensive solutions to meet evolving client needs. Staying at the forefront of technological advancements will allow them to provide cutting-edge services. Their efforts led to a significant reduction in unclaimed insurance policies, ensuring individuals received the benefits they were entitled to. Client at the Core: FinArray envisions setting the standard for personalized and transparent financial services. They aim to go beyond traditional offerings and focus on each client's holistic well-being. Reawakening Dormant Funds: By combining a personal touch with digital outreach, FinArray successfully reawakened dormant mutual funds, transforming a challenge into an opportunity to empower clients financially. Shaping the Industry: Through thought leadership and continuous innovation, FinArray force in shaping the future of India's investment management landscape. By influencing positive change and setting new benchmarks, they aim to contribute to the overall growth and development of the sector in India. aspires to be a driving Biren's Golden Rules for Investment Management Success Biren shares his insights for aspiring entrepreneurs in the dynamic world of investment management: Build Trust, Deliver Value: Transparency, honesty, and exceeding expectations are key to building lasting client relationships. Educate and Support: Empower clients with knowledge and comprehensive after-sales services to ensure long-term satisfaction. (26) April| 2024 www.ciolookindia.com

The Indian Mavericks T he Indian business landscape is undergoing a remarkable transformation. Gone are the days of following traditional models. In the rapidly evolving landscape of Indian business, a new generation of leaders is challenging traditional notions of success. financial gain. They understand the interconnectedness of business and society. They prioritize factors like: Disruption: These leaders are not afraid to disrupt established industries. They identify new opportunities and create solutions that address unmet needs. Sustainability: These leaders are champions of environmental and social responsibility. They integrate sustainable practices into their operations and advocate for positive change across industries. How Business Leaders are Agility: They understand the fast-paced nature of the global economy and are adaptable to changing market conditions. A new breed of leader, the Indian Mavericks, is emerging, redefining what it means to be successful in the 21st century. These modern business leaders are reshaping industries with their innovative approaches, resilience, and commitment to creating a lasting impact on society. Entrepreneurial Spirit: The Indian Mavericks encourage a culture of risk-taking and experimentation within their organizations. They believe in fostering a "startup mentality" even within established businesses. Social Impact: Many Indian Mavericks are actively involved in social impact initiatives. They believe in creating businesses that uplift communities and address social challenges like poverty and inequality. Leading by Example Empowerment: These leaders foster a culture of empowerment within their organizations. They value employee well-being, diversity, and inclusion, creating a work environment that inspires innovation and growth. These mavericks are not your typical corporate titans. They are driven by a different kind of ambition, one that goes beyond just profit margins. Indian Mavericks are more than just visionary leaders; they are role models. They lead by example, demonstrating the values they espouse: Here's how they're changing the game: Innovation at the Core Transparency: These leaders are open and honest in their communication, fostering trust and credibility with stakeholders. Beyond the Bottom Line: A Holistic Vision of Success The Indian Mavericks are fearless innovators. They are unafraid to challenge the status quo and embrace new technologies and business models. This focus on innovation fosters: Authenticity: They are comfortable being themselves, inspiring others to do the same and creating a more genuine work environment. For the Indian Mavericks, success isn't just about (28) (29) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

Collaboration: In today's interconnected world, collaboration is key. The Indian Mavericks foster strong partnerships with other businesses, government agencies, and social organizations. The success of these modern business leaders lies in their ability to blend innovation with purpose. They are redefining success by integrating social responsibility into their business models, ensuring that their growth contributes positively to society. This shift is evident in the rise of platforms like Urban Counsellor, which provides affordable mental health services, breaking down barriers to essential care . SUBSCRIBE TODAY One prominent example is Vijay Shekhar Sharma, the founder and CEO of PayTM. His journey from a small town to building one of India's largest fintech companies exemplifies the power of vision and perseverance. Sharma's ability to navigate challenges and disrupt the financial services industry has set a new benchmark for entrepreneurial success in India . The Future of Indian Business The rise of the Indian Mavericks signifies a shift in priorities for Indian businesses. They are moving away from a purely profit-driven model and embracing a more holistic definition of success. This shift has the potential to: Similarly, Bhavish Aggarwal, the co-founder of Ola, has revolutionized urban transportation in India. By leveraging technology to address the unique challenges of the Indian market, Aggarwal has positioned Ola as a leader in the ride- sharing industry, demonstrating that success involves more than just financial gains—it’s about improving the quality of life for millions . Position India as a Global Leader: By prioritizing innovation, sustainability, and social impact, Indian businesses can become a driving force for positive change on a global scale. These leaders are not just focused on personal or corporate success but are driven by a broader vision of societal betterment. For instance, Mohnish Goel's venture, Sakhyam, aims to connect children with India's rich spiritual heritage through educational toys and books, promoting holistic development and cultural awareness . Inspire the Next Generation: The Indian Mavericks are role models for aspiring entrepreneurs. Their success stories will inspire a new generation of business leaders to think beyond the bottom line and create a more sustainable and equitable future. The Indian Mavericks are not just shaping the future of Indian business; they are setting a new standard for success for the world. They are setting new standards for what it means to be successful in the modern business world. Their stories of innovation, resilience, and social impact are inspiring a new generation of entrepreneurs to think beyond conventional success metrics and to strive for a more inclusive and sustainable future. Moreover, the new wave of Indian entrepreneurs is characterized by their adaptability and forward-thinking. Companies like PharmEasy, co-founded by Dharmil Sheth and Dhaval Shah, are transforming healthcare accessibility through digital platforms, making essential services more convenient and widespread . Stay in the known. Subscribe to CIOLOOKINDIA CIOLOOKINDIA Magazine www.ciolookindia.com Get in print and digital on LOOK I N D I A (30) (30) April| 2024 www.ciolookindia.com www.ciolookindia.com

India's Influential Men Leaders Making Waves in the Business- 2024 Consultants Pvt. Ltd. Your Trusted Navigator to A Secure Financial Future T hink of your wealth as a mountain you build throughout your life. Storms (financial setbacks) may threaten to erode its slopes, and economic shifts may alter its landscape. However, just as a mountain endures these challenges, your wealth should be built with resilience in mind. Like the steady accumulation of rock and sediment, your wealth should be ever-growing, forming a solid base for your future. Through sunshine and snow (good times and bad), your financial resources will serve as a sturdy peak, providing security and stability for your life's journey. Nilesh spoke in an exclusive interview with CIOLook India, the highlights of which are given ahead. As a trailblazer in the investment management industry, could you take us back to the beginning of your journey? What motivated you to step into this dynamic field? The idea called Cedrus was born in 2007 when I left my lucrative job in an MNC bank to incorporate a solutions- oriented investment advisory profession unheard in those days. In those days, investment products were sold more than recommended based on investors' needs and requirements, which led to rampant mis-selling by intermediaries. Investors were provided transaction-based advice as and when funds were available. There was no holistic advisory concept whereby one proactively engages with the investor and understands his needs and requirements and risk-taking ability. Today, we offer financial planning and Wealth Management Solutions to more than 900 families collec- tively managing upward of ₹2500 crores of Assets under advisory. We are also SEBI Registered Investment Advisors providing pure fee-only advice. “At Cedrus Consultants Pvt. Ltd., we believe your wealth should be an unwavering compass, guiding you through any financial storm. That's why we offer ‘All-Weather Investment’ advice, tailored to navigate all market cycles,” says the Founder, Nilesh S. Bajaj. “Our vision is to be your ideal wealth partner, proactively understanding your financial needs and orchestrating winning strategies. We partner with you, not just for you, ensuring you achieve your financial goals with clear and actionable solutions.” “Our core values are the bedrock of your financial well- being: Cedrus has emerged as one of India's best investment management companies. Could you share the guiding philosophy that has propelled your organization's success? Resilience: We stand strong with you, weathering any market condition. Strength: Our expertise empowers you to make informed financial decisions. Longevity: We're committed to your long-term financial success. Beneficence: Your financial well-being is our guiding principle.” • • • Nilesh S. Bajaj Founder I strongly believe that values determine the success of any organization, and we have some guiding principles which we will never bypass, even at the cost of business. • Cedrus Consultants Pvt. Ltd. (32) (33) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

Looking to the future, what is your vision for Cedrus Consultants? How do you aspire to continue making a significant impact on India's investment management landscape? At Cedrus, we believe in the “Investor First” philosophy, which puts our investor's success before our success. We strongly engage with our investors and have wanted to participate with them in their wealth creation journey for generations, which we call the “Cradle to grave” approach. We have some investment philosophies like the “All Weather investments” and “Principal Protection” philosophies, whereby we advise on investments resilient to market movements and stable portfolios. We also endeavour to protect investors' wealth by not taking undue risks. These are some of the guiding philosophies that have not only made us successful but also helped our investors create more sustainable wealth. engagement with investors as well as give investors real- time investment updates at the click of a button. We actively have virtual meetings with our investors, making engagement more efficient. The Cedrus App provides real- time updates on their portfolios and markets. Paperless and convenient transactions are possible with a best-in-class technology platform, which helps individuals to transact from any part of the globe. We have a 17-year legacy with an impeccable track record, which would help us grow in an environment where wealth will be created at a faster pace in the future. We need to continue doing the right things and avoid mistakes. We need a team that shares the same values that have helped us grow. Technological advancement, bespoke advisory solutions, and investor engagement would help us grow to the next level of participation not only among investors but also in India’s wealth creation journey. Being an SEBI Registered Investment Advisor providing pure fee-only advice, today we offer financial planning and Wealth Management Solu?ons to more than 900 families collec?vely managing upward of ₹2500 crores of Asset under advisory. The workforce is the cornerstone of any successful organization. How does your company foster a culture of growth, skill development, and empowerment among its employees? The investment management landscape is continually evolving. How do you ensure that Cedrus remains adaptable and ahead of industry trends, providing innovative solutions to your clients? Cedrus has a young and vibrant work culture. We do not believe that only formal education can help individuals excel in their careers. We have regular training and skill development workshops to ensure employees are ahead of the curve. We have a flat organization with an open-door culture that has fostered employees' creativity. We have an employee stock option scheme for our core resources, who are now stakeholders, not just employees. For more information, please click https://cedruswealth.com/index.php, connect at mygoal@cedruswealth.com, or call +91 20 2995 0067, +91 8459993509. When we started with a clear solution-based advisory approach, it was unheard of and way ahead of time. Even today, we have continuously adapted to continuous regulatory changes and thrived. We constantly study new ideas and products and how they can add value to investors. Our solution-based strategies have ensured that investors have always invested in instruments to help them achieve their financial goals. Digitization has enabled us to throw new challenges, which we have adapted by providing paperless transactions, a touch-of-the-click reporting of reports to investors, and regular engagement in online or in- person periodic reviews. This has added stickiness to our investors and has given us many new investors through referrals. As a leader in India's investment management sector, your company has likely faced its share of challenges. Could you share an instance where your team's resilience and ingenuity triumphed over adversity? Robo Advisors and online platforms have disrupted this industry, which was earlier more focused on personal connections. During COVID-19, when the markets fell, our team individually spoke to investors and handheld them to make the right decisions, which was impossible for Robo Advisors. This helped investors make the right decisions and not lose out by cashing out when the markets were low. The essence of investment management lies in seamless operations and enhancing the business ecosystem and industrial efficiency. How does your company strike a balance between operational proficiency and client expectations? Your leadership style is often recognized as a driving force behind your company's achievements. Could you shed light on your approach to leadership and team building within the organization? Operations are the backbone of this industry, and we have always upgraded systems in line with new regulations and changes in the government's operational guidelines. Investors require regular updates, convenience, and hassle- free transactions. We have built a robust system that provides a seamless experience for investors in their transaction, reporting, and engagement requirements. In the realm of investment management, technology plays a pivotal role in enhancing efficiency. How does your company leverage technology to optimize its services and stay ahead in a digital age? Your experience in the investment management niche has made you a stalwart amongst your peers. What is your advice to budding entrepreneurs aspiring to venture into the niche? We at Cedrus always believe in transparency, which is what we practice by having an open office culture where ideas and creativity thrive. Our young team provides us much flexibility when adapting to new technologies and regulations. I have a participative style of leadership, which has provided a free flow of information and feedback among employees. With wealth being created in India, there is a huge opportunity for entrepreneurs to manage it. There is a huge opportunity for young budding individuals who can take this as a career. My advice to them would be to work on behalf of the investors with honesty and integrity. Build this profession patiently and participate in investors' wealth creation journey. Like health, wealth should be handled responsibly by advisors, as wrong decisions could adversely impact investors. Technology has been a major disruptor, and any player who hasn’t embraced it hasn’t grown on par with the industry. We at Cedrus believe that technology can enhance our (34) (35) April| 2024 April| 2024 www.ciolookindia.com www.ciolookindia.com

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India’s Influential Men Leaders Making Waves in the Business- 2024 (2)

India’s Influential Men Leaders Making Waves in the Business- 2024 (2)

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