Monday, 15 September 2014

Buy medicines online - Review healthkartplus.com

Recently I bought a few medicines from HealthKartPlus.com and here is my review of their services based on my experience.

1. Product Availability:  The medicines I ordered were mostly over the counter drugs. At times I have had issues with finding them at a few medical stores but thankfully I was able to find all of them on HealthKartPlus. Hence 10 out of 10 to HKP as far as product availability is concerned.

2.. Service Availability:  Currently pharmacy coverage is available in Delhi/NCR, Bangalore, Chennai, Mumbai, Bhubaneshwar, Hyderabad, Pune. This mostly covers the top 8 cities barring Kolkata. In the absence of any substantial data about the online purchase behaviour of Indian consumers across cities, it is difficult to comment whether they should have gone for a higher coverage or not. That said, the more the better at least from a consumer standpoint. I would rate HKP 6 out of 10 given the fact that most of the new entrants in online retail do provide a better coverage than this. Even if you give consideration to the sector specific challenges, a quick comparison with sites like Aaramshop.com points to the fact that a higher coverage in terms of the number of cities covered should have been possible. More so because it is a pharmacy network and it should not be very difficult to find a couple better organized medical stores with educated owners who would be able to understand the concept and be a part of it in most of the cities.

3. Ease of Use: Unlike most of the online retail stores HealthKartPlus has a non-cluttered environment. There hardly were any brand specific promotions/banner Ads running on the homepage and that added to the simplicity.

On searching for a particular medicines you are shown multiple options to select for basis dosage amount, product substitutes, composition etc. On clicking a particular medicine you are shown the complete details under three sub-heads namely a) Salt Information b) Substitutes and c) Interactions. For Indian consumers not many of whom give enough consideration to the possible side effects, recommended dosages and drug interactions, buying medicines from HKP can be more informative than buying it from the corner medical stores. Product pictures are also available which does build the trust and aids identification. 10 out of 10 on this parameter too.


I would highly recommend consumers to use HealthKartPlus to get the information about various drugs if not for buying it online. On the first time purchase I even got a 15 percent discount which is never a bad thing to have.

4. Delivery: Lets talk about the positives first. The product came in good packaging, with a proper bill. COD (Cash on Delivery) option is available so the risk for the buyer is minimal.

The problem was the time taken in doing the delivery. Medicines esp. over the counter ones are mostly impulse or negative purchases. Nobody likes buying medicines. You purchase medicines because you need them. Hence it is very important that once the order has been placed there is minimal time taken to deliver the products which should not be a big challenge in a network based model. I did not receive any information other than a transaction code and a number that I could call in case of any issues. And I did have to call it when the medicines were not delivered even after 48 hours and after that I were told that it will be delivered in another 5-7 hours.

I am sure HealthKartPlus is a funded company and the only advice I have as a marketer and as a consumer for them is that they should improve upon the time of delivery. If mine was a one off case, you sure are doing good. But if that is the general amount of time taken to deliver the products, I think they better speed up else competition is always around the corner to take over!

Sunday, 29 June 2014

Without card cash withdrawal at ATM with IMT (Instant Money Transfer)

Bank of India (BoI), in a first of its kind initiative has launched card-less cash withdrawal service at its IMT (Instant Money Transfer) enabled ATMs. The service allows Bank of India consumers to any person by using the receiver’s mobile number and a secret code via a text message.

The service can be availed either through Internet Banking or through IMT enabled ATMs.

It is a 24X7X365 facility and can be availed at any time of the day by both - sender and receiver.

The service can be of special use where the receiver needs emergency cash, doesn't hold a bank account or the bank account details are not available at the moment.

Process:

1. Receiver/Beneficiary Registration

It is mandatory to register the beneficiary/receiver before sending the money. Beneficiary registration by the sender, is a one-time activity. Registration can be done either through SMS or through BoI’s Retail Internet Banking. 

Registration over SMS:


Bank of India customers can send an SMS to +919223009988 from their registered mobile number in following format:

IMT <Receiver's Mobile Number>#<Receiver's name>#<Receiver's Address>#<Receiver's Address Pin Code>

 Registration through internet banking:

BoI customers can login to Bank’s Retail Internet Banking facility to easily register the receiver/ beneficiary by entering the receiver's name, mobile no., address and Pin code. It is a one-time procedure. If the sender wants he/she can subsequently delete these details.




2. Initiating the transaction

After successful registration of the receiver, customer's can initiate the transaction through Retail Banking facility or at an IMT enabled ATM.  The following details need to be provided to initiate the transaction:

1. Receiver's Mobile Number
2. IMT Amount
3. Secret Code (To be shared only and only with the receiver)


Once the IMT has been issued successfully, sender receives an SMS on his or her mobile number containing the following details:
  • Receiver's mobile no.
  • IMT amount
  • IMT Validity Date (In case the receiver doesn't withdraw IMT by this date, IMT wibe cancelled by the system and amount shall be credited back to sender’s account. However, the charges for the IMT shall not be reversed. )
  • IMT ID (a unique code which can be used to refer IMT transaction)
The receiver also gets an SMS containing following details:
  • The IMT amount
  • IMT ID (a unique code which can be used to refer IMT transaction)
  • IMT Validity Date
  • SMS Pin (System generated code, required for IMT withdrawal)

3. Money Withdrawal 

Once the above mentioned steps have been completed successfully the receiver can easily withdraw money from an IMT enabled ATM by providing following details:
  • Mobile number on which receiver has received the IMT details
  • The Secret Code (Communicated by Sender to Receiver)
  • The SMS PIN (as received in the SMS post IMT initiation) 
  • The IMT amount
Please note that partial withdrawal of IMT is not allowed. On successful withdrawal of money an SMS is sent to sender confirming the transaction.

Note: The above details have been provided on the basis of details available at Bank of India (BoI) website and a few other websites. The terms and condition of the service might be changed by the bank. For updated information please refer BoI website.


Wednesday, 18 June 2014

Lodge your complaint online regarding crime against women

While the general focus of this blog is to use internet for day to day tasks and make your life easy, it is important that we share information regarding portals that government provides to help citizens facing difficult situations in life.

Crime against women has been on rise in recent past and it seems only correct to spread information about National Commission for Women's (NCW's) online portal to file complaints regarding crime against women.



Online complaint registration against cases of domestic violence, harassment, dowry, torture, desertion, bigamy, rape, refusal to register FIR, cruelty by husband, deprivation, gender discrimination and sexual harassment at work place can all be done at the following link:

http://ncw.nic.in/onlinecomplaintsv2/frmHome.aspx

The form has detailed instructions in Hindi and English both for filing the complaint. the victim herself can also file the complaint. 

Once the complaint has been filed, the status update regarding the actions taken on the same can be seen at following link:

http://ncw.nic.in/onlinecomplaintsv2/frmPubLogin.aspx?ReturnUrl=frmComplaintStatus.aspx

For complete details we suggest you to refer following website: http://ncw.nic.in/

Tuesday, 17 June 2014

IMPS - Immediate Payment Service. The power of mobile banking

Launched in August 2010, IMPS i.e. Immediate Payment Service is one of the better initiatives by the government and banking institutions which despite being a useful service is yet to see the sort of success that it deserves.

IMPS is a 24X7 interbank electronic instant mobile money transfer service through mobile phones in India. The keywords here are instant and mobile.

Unlike NEFT transactions, payment transfers done through IMPS are instant which means the money is credited to the recipient's account within minutes of initiating the transfer. Moreover you need not have an internet connection to initiate IMPS transfer. The same can easily be done using SMS service of your mobile phone.


This takes us to the question - How to utilize this powerful service? Well its pretty easy. All you need to do is follow a few simple steps as below:

Steps for Sender:
  • Register yourself for mobile banking service with your bank
  • Get Mobile Money Identifier (MMID) and MPIN from the bank. For most of the private banks it can easily be generated through your online banking account. I have myself tried the same in HDFC and Citibank and the process is pretty smooth
  • Use the SMS facility in your mobile if your bank provides IMPS on SMS or Download Software (Application) for mobile banking (ensure the compatibility of mobile with the application)
Steps for Beneficiary:
  • Link your mobile number to the account in the respective bank.
  • Get Mobile Money Identifier (MMID) from the bank
For Sender (To send money):
  • Login to the application and select the IMPS menu from the IMPS or use the SMS facility in your mobile if your bank provides IMPS on SMS
  • Get Beneficiary Mobile number and MMID
  • Enter Beneficiary Mobile number, beneficiary MMID, Amount and your MPIN to send
  • Await confirmation SMS for the debit in your account and credit in beneficiary account
  • Note the transaction reference number for any future query
    Some banks such as HDFC bank allow you to send money using IFSC code and account number of the receiver. The same is available through the online net banking account.

    Finally, please note that maximum amount you can send to a particular bank account using IMPS service is Rs. 5000/- per day. 

    For more details on IMPS please refer the website of National Payments Corporation of India (NPCI): http://www.npci.org.in/aboutimps.aspx