Partha Ray

Partha Ray

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Partha Ray
On March 24, 2020, Partha Ray commented on Zoom: Prepared for a Pandemic :

Joe, I’m so glad you wrote about Zoom, especially with the current situation. I had no idea how much of a market share it had over its competitors. I’m surprised, and also curious as to how Skype hasn’t got more market share. As you mention, Zoom’s added features such as raising hand and virtual backgrounds are certainly an added bonus. I bet their users will skyrocket over the coming weeks and months.

Partha Ray
On March 22, 2020, Partha Ray commented on Instacart – A Platform Thriving in a Pandemic :

Thank you for this post. I had never heard of Instacart and I imagine in the current situation with COVID-19, their users will probably increase dramatically in the coming weeks. I wonder if Instacart can continue its success especially as major grocery stores are offering online shopping and delivery. I wonder if Instacart can increase their offerings by focusing on supporting local businesses, who otherwise could not afford their own delivery services.

Partha Ray
On March 22, 2020, Partha Ray commented on ASOS: Your one-stop shop for all things fashion :

This is a really interesting post. I have certainly benefited from ASOS’ growth over the years and its value creation to the customers. I was not aware of the machine learning approach that ASOS used to provide curated recommendations. I liked your point about ASOS being both a platform as well as a product as a means to address disintermediation. However, I do agree with some of the other comments that mimicking top sellers is similar to the approach Amazon has used to undercut third-party sellers. I am intrigued to see how ASOS does as competitors enter this space: especially Amazon’s Prime wardrobe.

Partha Ray
On March 21, 2020, Partha Ray commented on Drizly: A refreshing business model in the delivery app landscape :

I really enjoyed reading this post and learning more about Drizly. I can imagine its use will probably skyrocket in the next few weeks as we are confined to our homes due to social distancing.

It is also interesting that Drizly’s success may be due to the fact that some usual suspects such as Amazon, Uber Eats etc. don’t provide alcohol delivery. At least not in the US. In the UK, Amazon Uber and Deliveroo all deliver alcohol, and I wonder if Drizly could create an impact internationally where there would be stiff competition.

Partha Ray
On February 10, 2020, Partha Ray commented on One Medical wins at digital health :

Genevieve, this is a very interesting post and One Medical certainly has a brilliant offering. As with any telehealth consultation platform, it offers convenience that the average busy working person desires. As you said, when sick, the last thing you want to do is travel to the doctor’s office. Telehealth and other digital health platforms are fantastic for these reasons. Having said that, my major qualm with platforms such as One Medical, Babylon, etc. is the depersonalization of Medicine. A medical history over a video consultation can only give a clinician so much information. Many chronic conditions and acute issues require a thorough physical examination and further diagnostic investigations. And while I appreciate One Medical offer the option to schedule in-person visits with physicians, I would still be curious and somewhat concerned about the number of missed pathologies that go unnoticed due to the lack of traditional consults.

Partha Ray
On February 10, 2020, Partha Ray commented on Monzo: A digital offering that has traditional UK banks scrambling :

Colm, this is a fantastic post. I’m glad that you’ve highlighted the meteoric rise of Monzo in the UK. I set up Monzo a couple of years ago while in the UK, and the best part of the platform for me is the budgeting tool. Monzo’s analytics tell me what I spend my money on and I am able to easily set aside money into the “Pot” so I save instead of spend. I think Monzo could be huge in the US since I feel there is nothing quite like it.

I do think one of the things Monzo is lacking, however, is international money transfer. In this respect, I feel the platform faces stiff competition from Revolut and Transferwise. Granted, the purpose of Monzo is different, but with its transatlantic presence now, I feel this could be a great opportunity.

While the lack of physical branches may be a cost-saving advantage for Monzo, I feel some older generations may feel put off from this approach, since the comfort of knowing you can walk into your bank branch with an issue gives you a more personalized experience. However, that may just be me being old fashioned.

Partha Ray
On February 10, 2020, Partha Ray commented on Venmo – Winning a Larger Share of Consumers Wallet :

Robert, this is a really interesting post. I am from the UK, and prior to coming to the US last year, I had never used Venmo, and now cannot understand how it is not widely used internationally. Back in the UK, we continue to use banking host apps as well as platforms such as PayPal, Revolut, and Transferwise, which aren’t quite as user-friendly. I’d be interested to hear your opinions on this, and how Venmo can expand across the pond. Additionally, I am curious to know how Venmo has managed to achieve such success over similar platforms, such as Zelle, especially when Zelle has a partnership with Bank of America.