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Jan 17, 2025 | 
horsesforsources.com | Phil Fersht |Elena Christopher |Divya Iyer |Niti Jhunjhunwala
HFS research has found that the average time for a bank to onboard a new commercial customer is 32 days. Not hours. DAYS. The rapid and often real-time digital interactions and journeys enjoyed in the retail banking domain have not permeated the commercial banking realm – despite the fact that commercial clients are typically banks’ highest-value clients.
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Sep 30, 2024 | 
iyerd.medium.com | Divya Iyer
When Influence Flows Both WaysDivya Iyer·Follow3 min read·--Photo by the authorWhile reading the book The Life Span by Patricia Broderick and Pamela Blewitt, I came across the phrase, “Remember that influences on development are often bidirectional”. I immediately paused as it deeply resonated with me. It was the perfect articulation of something I’d witnessed, time and again, as a parent. Development is a two-way street!Take this moment with my kids.
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Jul 31, 2024 | 
deep.sweet.pub | Divya Iyer
The soft glow of the evening sun casts through the living room window as I watch my 80-year-old grandmother, arrange her Hindi textbooks on the bookshelf. Her wrinkled hands move with practiced precision, each book placed just so. She glances at the clock, a familiar spark of excitement in her eyes. "My students will be here soon," she says, her voice filled with anticipation.
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Jul 29, 2024 | 
iyerd.medium.com | Divya Iyer
An Autoethnography of a First-Gen Immigrant I am a first-generation immigrant from India who moved to the US in 2013. Growing up in India in a middle-class family, I had the privilege of a comfortable life and access to a good education. In my community, everyone from my parent's generation was college graduates at the bare minimum. So the expectation from my generation was that one would become either a doctor or an engineer. If you chose to become anything else, you were an outlier.
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Jul 22, 2024 | 
iyerd.medium.com | Divya Iyer
In my quaint garden, the radiant dahlia stands tall, its petals intricately interlaced, lemon yellow softly transitioning to a creamy white at the edges.
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May 13, 2024 | 
iyerd.medium.com | Divya Iyer
By Divya Iyer Original photo taken by the author Like many immigrant families, my husband and I faced a common concern: how do we pass down our language and culture to our children while living in a foreign land? We've seen others struggle, eventually surrendering to the dominance of English. But we were determined to find a way. In this article, I'll share our journey, from why bilingualism matters...
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Feb 19, 2024 | 
iyerd.medium.com | Divya Iyer
There is a common misconception that genes are “set in stone” implying that they are fixed and unchangeable. However, science tells us otherwise. An individual’s physical, cognitive, emotional, and behavioral development is influenced by genes. But it is important to understand that the environment can significantly influence the way these genes are expressed. This interplay between genes and the environment is called coaction.
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Feb 6, 2024 | 
hfsresearch.com | Elena Christopher |Divya Iyer
Financial crime (fincrime) compliance programs have a people problem. The people are great—hardworking subject matter experts fighting financial crime and ensuring the reputational integrity of their firms through compliance. However, there are often not enough of them to meet new requirements, let alone manage remediation or enforcement actions. HFS’ research shows that financial services firms have been some of the earliest and most extensive adopters of automation, AI, and outsourcing.
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Jan 20, 2024 | 
iyerd.medium.com | Divya Iyer
In the midst of my job hunt, a requirement that pops up in almost every job description I come across is,As a mother of two energetic boys, I’ve always prided myself on being a proficient multitasker. After all, my days are a constant juggling act — balancing household chores, my graduate studies, school pickups and drop-offs, and managing all the gazillion extracurricular activities. However, as I reflect on this, I can’t help but wonder if my ability to multitask is truly a boon or a curse.
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Nov 9, 2023 | 
iyerd.medium.com | Divya Iyer
Do you ever get those late-night pondering, staring at the ceiling, wondering if you missed the turn and are heading in the wrong direction to find your purpose? We've all been there! And then you ask yourself, "What am I really doing with my life?" It's like a universal head-scratcher. Often, we hit dead ends with these questions, and the routine just keeps on rolling, bringing along more stress and burnout for the ride. But what if I spill the tea on mindfulness?
