Medianama has a post on PayUMoney’s wallet. It gives a crisp explanation of types of Pre-paid Wallet Instruments in India.

  • Closed System Payment Instruments: which are not reloadable with cash and do not permit cash withdrawal (for example: phone calling, prepaid voucher and gift vouchers)
  • Semi-Closed System Payment Instruments: used at merchant locations, and which can be reloaded, but do not allow cash withdrawal (for example: cash cards and smart cards)
  • Semi-Open System Payment Instruments: these can be reloadable or non-reloadable, and can be used at any point-of-sale terminal, but they do not allow cash withdrawal. For example: gift cards issued by banks
  • Open System Payment Instruments: these can be re-loadable or non-reloadable, but most importantly, they permit cash withdrawal at ATMs. Examples of such cards are the Payroll cards and travel cards.


I started blogging in July 2001 at a blog named Knowledge El Doradoinitially hosted on Blogger. Knowledge El Dorado was a blog on Knowledge Management, Collaboration and Communities. Social Media, as we know it today, did not exist. My job required me to figure out how knowledge management ideas and new tools like blogs can be used for knowledge sharing within organisations.

In the beginning, I had little idea about the space I was blogging about. But nearly two years of blogging and working in that space, resulted in a deep understanding of collaboration and social media. It later helped in making sense of emerging phenomenon like social networks and public conversation tools like Twitter.

Knowledge El Dorado was my first blog but it was the second act of internet publishing that I had undertaken. In the year of my introduction to the internet, I had started a site called The NothinOfficial Hangout. Blogging was yet to be invented in August 1998. User generated content and publishing were championed by Tripod and Geocities.

NIIT’s software course did not teach programming for the internet at that time. So building The NothinOfficial Hangout taught me how to create websites. The goal of the hangout was to create a clique of “aam admi” (mango-men) writers who wanted to express themselves. This self-publishing capability engendered by internet was simply wonderful to a twenty-something.

Around the same time I started JainList, an email discussion list on Jainism. JainList along with companion website JainNet was my way of giving back – philanthropy through skills instead of money. JainList has grown to become the largest email discussion group on Jainism.

Nurturing JainList helped me in learning Jain philosophy and also the principles of cultivating an online community.

This blog, Mobile Pundit, was started in November 2004. Earlier that year, using Reliance’s internet capable CDMA phone as well as reading Howard Rheingold’s book Smart Mobs got me excited about the potential of mobility and the impending mobile revolution in India.

Doing Mobile Pundit not only helped in tracking a fast evolving space, but also led to founding of the Mumbai chapter of Mobile Monday.

In all of the above illustrations, the common theme is “Learning by doing”. Whether its Knowledge El Dorado or Mobile Pundit, my knowledge of the subjects increased manifold after I started blogging. Unlike authoring books, there is no need to be an authority on a subject when writing blogs. On the contrary, I find it very useful to start a blog on something I don’t know much about.

  • Choose a subject that you have no clue of
  • Start a blog on that subject
  • End up being smart on that subject

The magic of blogging is that it instills a discipline of reading and thinking. Read-Think-Blog. Regular reading about different aspects of a subject helps in building a conceptual model. Learning-by-doing and Learning-by-Blogging are specially useful when dealing with emerging technologies, where there are no textbooks.

Last but not the least is the people and social angle of blogging. Reader’s feedback clarifies your thinking, adds bits you may not know, points out flaws in writing and often encourages to write more. Blog is also a great way to connect with like-minded people who are passionate about the same subject. Read-Think-Blog-Feedback-Connect. Blogging is a form of thinking-out-loud.

Starting today in the new year (Samvat), I have decided to get regular with blogging again. And yes, the reason is the same – learn about a new subject or two.

Going ahead the scope of this blog would not be restricted to mobility alone. Because mobility is no longer just about mobiles. It is about how Indians adopt technology (connected smartphones, tablets, smart TVs etc) and how convergence changes the personal, social and political landscapes of our great grand land.

Throw off the bowlines. Sail away from safe harbor. Catch the trade winds in your sails. Explore. Dream. Discover. (Mark Twain)


Some stats about mobile app usage in India from the Mobile Monday Mumbai February 2012 session conducted by Flurry.

  • India is the 3rd fastest growing app market in world
  • 12% MoM growth in app downloads in 2011
  • 6 million Android & iOS devices downloaded 300 million apps in 2011
  • 25 billion mobile app downloads in 2011
  • Estimating 75 billion downloads in 2012
  • Indian user spends 52 minutes per day using mobile apps
  • Retention a challenge for apps: 38%, 29% users in 2nd & 3rd month. Games biggest losers after 1st month
  • Only 5-10% of users continue to use an app after 6 months of download
  • 80% usage / time spent is on Games & Social Networking apps
  • Top 5 downloads categories: Games, Entertainment, Utilities, Social Networking, Lifestyle
  • US users spend more time on mobile apps then on PC-Mobile web, 94 minutes versus 72 minutes per day


Flurry is the leading data-driven mobile app advertising platform and analytics provider.

It’s services are used by 60,000 companies including top players like Rovio (Angry Birds), Zynga, The New York Times, Skype, MTV, Google, Electronic Arts, Microsoft, Groupon, Shazam and more. The company tracks data across more than 90% of all iOS and Android devices in the market.

As a result, Flurry owns more data on how consumers use mobile apps than any other company. The company is a thought leader in the industry on mobile app trends.

This session will cover the Mobile App phenomenon with a special focus on the Indian market.

  • The Mobile App market globally
  • Emerging patterns in Mobile App Usage
  • App Usage in India
  • User acquisition and monetization strategies


  • 10.15 am: Registrations
  • 10.30 am: Presentation by Aakrit Vaish
  • 11.30 am: Group Discussion
  • 12.30 pm: Networking Lunch

About the Speaker:

Aakrit Vaish is the Director, Business Operations at Flurry Inc. Flurry has recently established an office in India and Aakrit runs its operations from Mumbai.


Saturday, Februrary 18th, 2012


Club Peninsula, Peninsula Corporate Park, Lower Parel West, Mumbai.