Submitted by: Vikrant Singh Pawar

Roll No: 57.

Q1: According to me taking up PBI offer had following advantages:
It would be a huge source of revenue for the Mukesh and his company NICT.
It offered advantages of moving to more locations and all India presence.
Growth opportunities in form of new operations, scale and learning.
NICT had matching competencies similar to what PBI wanted like experience in
dealing with SBI and BOI.
If the offer isnt taken by NICT then the offer would be taken up by another company
and they would get the contract.
If NICT can successfully execute the project then it will might get licenses from
similar banks for a kiosk banking approach ushering in more revenue.
However there are certain challenges like:
Huge amount of scaling up would be needed. There is a possibility of failure in the
process.
If the expectations of PBI arent met then NICT might end up losing big time.
Considering the advantages and challenges I would like to advise them to go ahead and take
up the PBI offer. However they should be ready to face the challenges that they might come
across ad mitigate the risks. I would like to conclude by saying these lines by John Augustus
Shedd A ships is safe in the shipyard but is that what they are made for?
Q2: Its relationships with SBI and BOI would not get affected as already they are doing the
services for BoI and SBI without affecting their work.
So if NICT is able to continue to provide the banks with same level of service as they are
providing currently, addressing their concerns of security then SBI and BoI wouldnt have
problem in NICT being a vendor to PBI.
We have seen many examples of cases where same IT vendor like TCS provides IT services to
different banks competing like Deutsche Bank and BNP Paribas, HSBC and Citi Bank.
However there need to be proper governance mechanisms like contractual agreements in
form of an NDA (Non-Disclosure Agreement).
Q3: Justification of choices already covered in the above two questions.