We live in an extraordinary polarized world.

In fact, a 2018 study revealed that most around the world say that their country is divided — & the majority think the division is deeper than it was 10 years ago 💔

But did you know, even in this deeply divided world there are a set of common goals that serve as a blueprint to achieve a better future for everyone? The binding theme of these goals is radical inclusion, a dream that “no one will be left behind” ☀ ☀

This collection of 17 interlinked goals is known as the Sustainable…


Only 33% of adults worldwide are financially literate.

S&P Global FinLit Survey 2018: Only 1 out of 3 adults worldwide responded correctly to three topics out of four topics

The situation in India is poorer with about 76% of Indians NOT understanding basic financial literacy concepts.

To add to this, we are now living in testing times and it’s more important than ever to empathize with the situation of our people. The ones who are already struggling to keep their hopes up & homes running.

They now also find themselves dependent on digital mediums and a large chunk of them are first time distressed users.

Within countries, the data suggests that – women, the rural population, and individuals with low literacy…


Know how you can apply these 5 behavioural biases to your product or marketing. 📲

Biases are essentially the mental shortcuts we rely on to conserve energy as we make about 35,000 decisions daily. 🤯

(PS. also why Jobs chose to wear black outfits most of his life)

1. In-group favoritism 🧑🏻‍🤝‍🧑🏻

People tend to pick up products and services that are more aligned with their sense of identity.

Apple 👩‍💻 used this bias to create an US vs THEM mentality by using words such as “boring” PC users & their uncool computers.

2. Bandwagon Effect 🏃‍♀️ 🏃‍♂️ 🏃

Ever caught yourself liking a post on LinkedIn (read, social media)…


Help us help you! (In less than 5 mins)

https://bit.ly/2VXGIiA

Answer 6 simple questions to help us understand your business challenges. It will take you less than 5 mins and help us solve your digital business growth challenges.

About us:

We’re JubiAI, an AI technology company that is innovation partners to 30+ financial institutions including insurance, MF, etc.

We exist to help people make better money decisions and help financial advisors transform into Digital Financial advisors.

Here is the link to the questionnaire.

(Please open the link on a different browser eg. chrome if it doesn’t open here.)

Thanks, we look forward to your responses.


988 mn Indians are not insured. And, most of the rest aren’t adequately insured.

Top 5 reasons for this “I don’t care” attitude :

  1. No information
  2. Miss-information
  3. Adverse Selection – I am healthy. It is for people who don’t take care of their health
  4. Anecdotal Fallacy – My best friend’s uncle never got his claim settled. Not worth it. I rather save for my family’s medical emergencies
  5. Procrastination

Covid19 has woken up such Indians to the need for Insurance. Congrats, you’re now essential.

But, are you prepared to serve millions of these Indians?

Ask yourself these questions to check how…


Turns out, if you have recently seen or heard the word EAT, you are temporarily more likely to complete this word as SOUP than as SOAP. The opposite would just happen, however… if you have seen the word WASH a while back.

This effect is known as Priming. 🔥

And this is how the unknown depths of our brain ensure that it’s our thoughts that determine our actions and shape our reality.

In an experiment carried out many years back, students were asked to walk around a room for 5 mins at 30 steps per minute i.e. about ⅓ rd of their normal pace. …


Surviving the changing World and a rulebook for Digital Customer Engagement

Photo by Amanda Dalbjörn on Unsplash

They say the earth is healing. The shopping malls are empty, the bank counters deserted. The city looks sleepy from the exterior, and there are roomfuls of concerned people locked-down everywhere, waiting for a better future.

CoVid-19 has changed everything.

This is a radical transformation of the customer reality. No — selling soaps, fashion, cereals, insurance (or anything for that matter) to them…will never be the same again

“When did the future switch from being a promise to a threat?” Chuck Palahniuk

The CoVid-19 crisis is nothing like anything our entire generation has been exposed to before. All rulebooks change…


Photo by Jamie Street on Unsplash

Lord Buddha was visiting a village once.

One of the men there, asked him, “ You keep saying that everyone is capable of enlightenment. Then why doesn’t everyone end up becoming enlightened?”

Buddha smiled and told the man to do a simple exercise — he asked him to go visit every person in the village and prepare a sheet that had each person’s name written in it along with the desire that they deeply hold in their heart.

The village was not very large and consequently, the man was done with his task by the evening. Lord Buddha asked the…


Photo by JOHN TOWNER on Unsplash

When your world is governed by factors beyond your comprehension and the problems just seem to surmount.

When you witness the effects of epidemics where the weakest amongst you don’t even have a fighting chance of survival as the starvation will get them if the novel disease doesn’t.

When the doctors, nurses, & the larger medical welfare support network stands on the frontline of the battle alongside the soldiers.

Will the world ever be the same again? And what role do we have in that changed reality?

As a company, as an individual, but first as a human — we…


Photo by Daria Nepriakhina on Unsplash

I have had the good opportunity to gain admission to the Harvard Kennedy School for a Public Leadership Course ( I get to pursue it while being at my work, and I get to implement a lot of what I learn every day — so it’s all Jubi/happy :) ).

While the pedagogy, group-discussion, interaction with peers etc. is all-transformational and uplifting — there’s a specific tool I discovered on the way. It is immensely helpful to avoid one of the most frequent reasons why most ideas, solutions or project-work fails … jumping to solutions. …

The Jubi of Everything

#JubiAI. At the intersection of behavioural science & Artificial Intelligence for the future of social impact, money, health & commerce. rise@jubi.ai

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