Sending Gifts to India

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As an employee of Oxigen, I regularly promote our services. Lately I’ve been talking a lot about our instant gift cards because they’ve transformed the way I send gifts (and money) to India. Apart from opening me up to a whole new universe of gifting options, Oxigen made it possible for me to be more spontaneous and personal with my gifts.

Just yesterday, my dad told me about his upcoming trip to Mumbai. He was evaluating different accommodation options based on distance, comfort, and price. I jumped in (online) to help him with his search. Almost instinctively I’d decided to transfer some money to his account to ensure that he doesn’t compromise on convenience or comfort. Before I knew it, several involuntary thoughts plagued my mind – when and how much money would I send? Would it reach him in time to make the reservation? What if the prices increased by the time the money reached him? Would he agree to use the money for the hotel reservation or would he redirect it to my savings account (typical dad!)?

I continued my search for a few minutes until – BOOM – it struck me that Oxigen has MakeMyTrip (MYT) gift cards! I realized I could send one instantly via email without having to worry about time or what the money would be used for. Old habits like transferring money die hard, but in this case an instant gift card was better than money!

It took me about 3 minutes to log into my Oxigen account and send him an MYT gift card that he could use right away. That, ladies and gentlemen, is Oxigen’s instant gift cards service for you!

On a related note, we recently requested the Centsible Indian to try out Oxigen’s instant gift cards service and write about it. Read about her experience here: https://goo.gl/1N7B7W. If you’ve already sent a gift card, we welcome any feedback you might have for us. Please comment below.

 

 Creative writer. Part-time engineer. Marketing professional. Swetha has an MBA from the University at Buffalo. She manages Oxigen’s presence online, providing value to NRIs and driving sales along the way. When not working, she’s usually creating things – either craft, writing or food.

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H-1Bs in the New Administration: Fact v. Fiction

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Here we are, mid-April already, and business immigration attorneys all over the United States are breathing a sigh of relief that another H-1B cap season has come and gone. Meanwhile, for the hundreds of thousands of foreign nationals who are the potential beneficiaries of the congressionally-mandated 85,000 total available H-1B visas, the wait has just begun.

Given the amount of media attention the H-1B program has received as of late, it is important for foreign nationals, especially those on H-1Bs or waiting for H-1Bs, to stay informed and separate factual information from the fictional rumors and speculation that seem to be circulating. To learn more about the government’s recent announcements regarding the H-1B program and how it may affect you, read on!

Despite some of the recent negative press regarding the H-1B visa program, U.S. employers are still filing in huge numbers for this sought-after immigration benefit. In fact, on April 7, 2017, just four short days after the United States Citizenship and Immigration Service (“USCIS”) began accepting H-1B filings, USCIS announced that it had reached the 85,000 H-1B visa cap for fiscal year 2018. To-date it is unclear if there will again be a lottery this year, or if USCIS stopped accepting filings once the available visa numbers were reached. However, it is likely that USCIS will clarify this point within the next few weeks.

The H-1B visa program has been thrust into the spotlight due to the current administration’s hardline stance on immigration and the overall political climate in the United States. The media has taken a renewed interest in the program and the H-1B has become a hotly contested issue in the nationwide debate on immigration. Is the H-1B visa program taking jobs from American workers? Is there widespread fraud and abuse of the H-1B visa program like some suggest? These are all valid questions posed by politicians and the media and as such, there is an overwhelming amount of information currently circulating regarding potential changes to the H-1B visa program — some of it true and a lot of it false.

The current administration seems to have realized its limits and as far as the H-1B program goes, and, instead of focusing on creating new law, the administration seems to be targeting existing regulations and utilizing the laws already in place in order to more strictly construe and enforce the H-1B visa program. This is evidenced by the string of recently released alerts, memos, and policy guidance from USCIS.

Below is a timeline of factual updates to the H-1B visa program since the new administration took office that offers some insight into how the current administration is addressing changes to the program.

  1. Fact: H-1B and L-1 Visa Reform Act is Introduced to Congress

There have been multiple bills introduced into Congress regarding reforms to the H-1B visa program but the most well-known is the H-1B and L-1 Visa Reform Act introduced by Senators Grassly and Durban on January 20, 2017. The H-1B and L-1 Visa Reform Act includes some changes to the H-1B program but these changed mainly effect H-1B dependent employers (those who employ large numbers of H-1B employees). Additionally, the Act suggests giving preference to foreign students already studying in the U.S. in an effort to retain high-level education and talent that would ultimately benefit the U.S. economy. For more information on the proposed Bill or to read the H-1B and L-1 Visa Reform Act in its entirety please use the link below.

https://www.congress.gov/bill/115th-congress/senate-bill/180

  1. Fact: Temporary Suspension of Premium Processing for H-1B Petitions

On March 3, 2017, USCIS announced that it would temporarily be suspending premium processing for all H-1B petitions effective April 3, 2017, including H-1B Cap cases. The suspension is meant to reduce the overall H-1B processing times, allow USCIS to process long-pending petitions, and to prioritize the adjudication of H-1B extensions of status that are nearing the 240-day mark. USCIS did not offer a specific date for when the suspension may be lifted but instead said it may remain in place for up to six months.

This is not the first time USCIS has temporarily suspended premium processing service and it is not anything out of the ordinary.

3. Fact: Computer Programmer Positions for H-1Bs to be Scrutinized

On March 31, 2017 USCIS issued a Policy Memorandum specifically rescinding a 16-year-old Memo that provided guidance on H-1B computer related positions, specifically the occupation of Computer Programmer.

The March 31, 2017 Memorandum is effective immediately and provides USCIS Officers with new guidance regarding the adjudication of H-1B petitions for Computer Programmers and more specifically, states that the occupation of Computer Programmers should not generally be considered a specialty occupation for purpose of an H-1B.

It is important to note that more complex or senior-level Computer Programmers may still qualify as a specialty occupation for H-1B purposes, however, the burden is on the employer to provide evidence that the particular role qualifies as a specialty occupation pursuant to 8 CFR § 214.2(h)(4)(ii).

The occupation of Computer Programmer has long received scrutiny from USCIS so this new Policy Memorandum is simply clarifying USCIS’s current view on the occupation. For more information, please see the link below.

https://www.uscis.gov/sites/default/files/files/nativedocuments/PM-6002-0142-H-1BComputerRelatedPositionsRecission.pdf

  1. Fact: USCIS Announces Further Measures to Detect H-1B Fraud and Abuse

On April 3, 2017 USCIS released a news alert titled, “Putting American Workers First: USICS Announces Further Measures to Detect H-1B Visa Fraud and Abuse.” This news alert simply states that USCIS will be utilizing the regulations already in place to take a more targeted approach to detect H-1B visa fraud and abuse. Moving forward, USCIS will focus resources on H-1B employers whose basic business information cannot be validated through available data; H-1B dependent employers; and H-1B employers petitioning for workers who will be placed off-site at another company or organization’s location.

USCIS also announced that they would be making additional site visits to employers who fall into any of the above mentioned categories and will continue to make random unannounced site visits nationwide, as they always have (emphasis added).

The facts above summarize the only official actions regarding the H-1B visa program. Anything else is rumor or speculation at this point. Yes, the H-1B visa program has come under political and media scrutiny since the new administration has taken office and this frightens people. However, there are well-established laws and policy in place and any substantial changes to the H-1B visa program will take time. Simply put, just because a Bill is introduced to Congress does not mean it is going to become law. And as we have seen with some of the recent Executive Orders, simply because the President signs it, does not mean the United States Judicial System will allow it to be enforced.

Further, as evidenced by the facts above, the current administration seems focused on using the laws already in place to enhance scrutiny and increase the resources used to investigate fraud or abuse of the H-1B visa program, which is a good thing. If employers taking advantage of the program are eliminated, this will open more doors for employers looking to play by the rules.

These are certainly interesting times for foreign nationals in the United States on an H-1B or other non-immigrant visa. Never before has a non-immigrant visa program been thrust into the political and media spotlight quite like this and because of this newfound interest by the masses, it is important that the immigration community stays informed and shares only reputable information.

Any new policy changes, guidance, or executive orders will be announced and made public as they happen and it is extremely important to verify the source of your information before relying it. Government websites or the American Immigration Lawyers Association (“AILA”) website are reputable places to research information and stay informed. Message boards, foreign news, and immigration forums are not the best places to look for information and often provide visitors with misleading or false information.

Should you have a particular concern about your case, it is always advisable to contact an experienced immigration attorney.

 

Boston Immigration Lawyer Chiara St. Pierre has worked with business clients all over the world including large multi-national companies and individual entrepreneurs looking to expand their business into the United States. She specializes in employment-based immigration and has over seven years of experience with both immigrant and non-immigrant visas. Attorney St. Pierre currently practices with Trupti N. Patel & Associates where she manages business
integration for corporate clients.

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7 Ways to Save Money on Grocery Shopping

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If you want to reduce your spending and hit your savings goal, focus on the top spending categories where the majority of your money goes. One of the top expenses is food, especially groceries. According to a consumer expenditure report by the Bureau of Labor Statistics, we spend an average of 12.5% of our income on food – that includes both grocery spending and eating out. In our household, a good chunk of our money goes to groceries. So, even a $10/month saved in that category gives $120 per year.

There is no need to resort to a rice-and-beans only diet to save money, but small actions here and there without too much effort can save you a handful of dollars. Notice the word small, here?

Below are some of the strategies that worked for me:

Never go shopping on an empty stomach:
Fill up your tummy before you step out to shop if you don’t want to fill up your cart with extra stuff that will likely go to waste. This is the mantra to use to avoid impulse buys when grocery shopping. Always carry a snack in your car or bag. If you think you’ll get hungry while (or after) shopping, you’ll know that you can reach into your bag and munch away.

Pause before the checkout line:
Before joining the checkout line, glance at your cart to check if you bought anything unnecessary that can be removed. For example, during my last grocery shopping I realized that I had added some dips and chips that I didn’t really need. A quick look before checking out was all I needed to remove unnecessary things from my cart.

Bill the needs and wants separately:
Differentiate between milk (need) and that delicious box of brownies (big want!) This makes a huge difference. I’m not kidding. There is nothing wrong with buying something we enjoy as long as we know how much money is spent on them vs things we actually need. You can also set a budget for the amount you can afford to spend on wants. Until I tried this idea, 32% of our spending went on splurges.

Reduce the number of times you shop:
The more you visit a grocery store, the more you will spend. With proper planning, you can reduce the number of grocery visits to once a week. For example, I visit the Indian store once in 2-3 weeks and a generic grocery store once a week.

Perishable vs non-perishable:
Have you tried limiting non-perishable shopping to once a month? You buy all the non-perishables you need for that month during the first week of the month itself. Then you hit the grocery store only for perishable items such as vegetables, milk, etc. during the rest of the month.

This reduces the time spent in the grocery store and you’ll only need to plan your major grocery shopping once a month.

Amazon Prime Pantry is a great option if you try this approach.

Mobile app couponing:
Have you checked if your grocery store has a mobile app? If they do, be sure to download it and sign up for digital coupons.  When coupons become available, all you should have to do is add them to your account and use them while checking out. Remember to tell the cashier about the coupons if they don’t ask you in advance.

Cashback apps:
Last but not least, take advantage of cashback apps to earn some cash back for your recent purchases. These are free apps that pay you money for everyday purchases. When you’re back from a shopping trip, simply check if any of your purchased items are eligible for cashback, scan the item along with the receipt and you’re good to go. It takes me hardly 5 minutes to do it. Some of the cashback apps I use are IBOTTA (Use this link or my referral code “gjheew” to earn $10), Checkout 51, and BerryCart.

Hope this helps!

 

Uma is a working mom of two little kids, living in New Jersey. She enjoys saving money and writes a lifestyle/personal finance blog called Centsible Indian.

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Love Oxigen

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What do you hold close to your heart? Your car? New shoes? Maybe, your new phone? Or, is it one of those memories – like the time you spent playing badminton with your dad, or those family dinners that made you feel unconditionally loved? I think we tend to hold experiences that make us feel special close to our heart more than material things.

But sometimes life takes over and you end up being so far away from the people that make you feel special. Every once in a while, a picture, book or movie reminds you, and you yearn to re-capture that feeling again. You may be able to experience it by reconnecting with loved ones, but if you live outside of India, that can be a feat. Although you miss them so much, and – guess what – they miss you too, it can sometimes be hard to express that. Oxigen USA was born out of the very need for Non-Resident Indians (NRIs) to stay connected and keep the happiness flowing with family and friends in India.

When you use Oxigen, you’re not just sending money for your family’s needs, you’re ultimately watching out for them and making them feel cared for. You’re paying some of their monthly bills to save them that hassle, and maybe sending them some extra cash too. You’re surprising them with movie tickets on their birthday, or just sending them some flowers to remind them that you’re thinking of them. Through Oxigen you are staying actively involved in their lives and making them feel important, which is why our trademark is Send Happiness®.

We love to hear about times when Oxigen plays a role in creating experiences that people end up holding close to their heart. For instance, when Barathi from Texas sent a surprise Diwali gift to her nephews in Coimbatore, we were thrilled to hear that they responded with the photos below saying,“Thank you Oxigen and Bharathi Aunty for making my Diwali Special”.

This is exactly the kind of unforgettable, close-to-your-heart experience that we strive to catalyze at Oxigen.

We invite you to explore all the ways that you can use Oxigen to create heartfelt experiences that you and your loved ones will cherish, and that will prevent you from drifting apart despite the distance that separates you.

Feeling inspired to reach out right now? Here’s a discount code that you can use for 5% off any payment or gift transaction!

{2HEARTS}*

* Limited to one use per person, limited time offer.

 

Amir is an accomplished entrepreneur with expertise in international business, IT, and telecom. He received his Master’s from MIT Sloan and has started 4 companies impacting the lives of millions globally. Red Herring featured Amir as one of the “Top 25 [Entrepreneurs] Under 35”. Amir enjoys yoga, kitesurfing, and travel.

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Let’s Actually Save Money in 2017

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2017 Savings

If you’re anything like me, you’ve always struggled with saving money! Ask me why I haven’t been able to save, and I can reel off 10 good reasons that will probably make you regret asking me. Because, oh, have I learnt to justify my expenses, starting from “I need this” to “I work so hard, I deserve this”. Well, something about that changed and I’ve decided to make this year different, I’ve decided to save money! It’s my challenge for 2017.

I personally enjoy challenges –  coming up with game plans, setting goals, milestones and the entire process of overcoming a hurdle to achieve something. So naturally, I have a plan for my savings and I want to share it with you. Not because it is rocket science, but because it’s the exact opposite of that. It’s the bare bones, the nuts and bolts of savings, and there’s no way we can go wrong with this!

There are three steps to this simple plan:
Step 1: Set a realistic goal
Step 2: Befriend a savings account
Step 3: The Secret Sauce!

Step 1: Set a realistic goal

This comes down to having realistic expectations and setting achievable goals.

(i) Calculate all of your fixed living expenses. Add to the list below to create your own:
– Rent or mortgage and associated costs (e.g. condo fees)
– Phone
– Utilities
– Internet
– EMIs (loan payments)
– Groceries
– Insurance premiums (medical, home, etc.)
– Home maintenance: paper towels, dish washing liquid, etc.
– Basic personal care – shampoo, conditioner, etc.
– Commuting and/or vehicle costs: fuel, maintenance, etc.

Feeling inspired? Download this spreadsheet to get started on your savings plan right away!

(ii) Calculate your disposable income.
Income – Living Expenses (i)

(iii) Calculate your discretionary expenses. No room for excuses here, you need to be brutally honest with yourself.  Some examples of discretionary expenses:
Dinner at a restaurant
– Going to an IMAX movie
– Buying another pair of high heels
– Going on a Caribbean cruise

Ask yourself two questions to help add or remove items from this list. One: are you making the most of this expense (think of gym/TV channel subscriptions)? Two, is this essential to you feeling good about life? If you can honestly answer yes to both questions, add the expense to this list and set a limit for spending on it. Take steps to axe expenses that aren’t serving you in any way, like a barely used gym subscription or premium cable TV channels that you don’t watch.

(iv) Calculate your savings goal
[Disposable Income (ii) – Discretionary Expenses (iii)] multiplied by 12

There are other ways you can go about setting a savings goal – like aiming to save a percentage of your salary, or aiming to save enough for you to survive for x months without a job. This bare bones way is how I chose to go about it because it just comes down to how much you earn and how much you spend every month. It really boils down to how much you are willing to reduce your discretionary expenses to enable you to save the money you’ve earned. If you can achieve a 10% savings of your income, you’re doing well according to norms. Don’t forget to download this spreadsheet to make Step 1 simple!

Step 2: Befriend a savings account

I’m just getting started and I like everything to be simple, so I chose a zero minimum savings account with Synchrony Bank. The process was a breeze and turns out they also offer a comparatively great interest rate. Unexpected win for me there! Here’s a website that compares interest rates at some US banks.

If you have plans to return to India in the next few years, you may also wish to consider transferring the money you want to save to your Indian bank account, perhaps an NRI account, which tends to yield much higher interest rates than US banks. Please be aware though that there are some currency and inflation risks associated with this approach.

Step 3: The Secret Sauce!

Now, here’s what makes this plan work – discipline. You have to take steps to enforce those savings… against yourself! Here are some tips to help with that:
(i) Set up automatic transfers so that your monthly savings goal amount is directed to your savings account at the beginning of month, or as applicable. Don’t wait till the end of the month to see if you have anything left to save. Train yourself to stick to the budgets you set for yourself.
(ii) Do not carry the ATM cards for your savings accounts. Simply forget about the account after you’ve set up the automatic transfers. Out of sight, out of mind!
(ii) Do not dip into your savings unless it is critical.

Follow steps 1 through 3 and just like that, by the end of the year, you will reach your savings goal! I’m excited for us to have a spectacular year and to feel good about how we are managing our money!

Want to add more to your savings? Jump right into this 52-week savings challenge!

If you’ve been successful at saving money in the past, I invite you to comment on the post below with what has worked for you. Also, look out for our upcoming posts on how to make the most of your disposable income with smart online shopping tips!

 Creative writer. Part-time engineer. Marketing professional. Swetha has an MBA from the University at Buffalo. She manages Oxigen’s presence online, providing value to NRIs and driving sales along the way. When not working, she’s usually creating things – either craft, writing or food.

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Welcome to the Oxigen NRI Life Blog!

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oxigen_blog_welcome_graphic

 

Greetings and welcome to the NRI Life blog! Given our mission to maximize happiness for Indians everywhere, we decided that we must go beyond financial services and also provide information that can make life easier for Non-Resident Indians regardless of location. Just as our Facebook page is a hub for the NRI community to interact, this blog will curate content that is particularly relevant for NRIs so that you can rely on Oxigen for more than just digital payments, gifts, and money transfers.

The NRI Life blog will house articles published by our staff as well as articles from a network of bloggers and customers who want to make their voice heard about topics they are passionate about. We’re still fine tuning the scope and frequency of this blog – for which we’d love to hear your suggestions – but meanwhile you can expect to read about a broad range of things from financial news for NRIs, to immigration related matters, to food recipes and recommendations, to beauty and fashion tips, and, of course, to hear the latest news at Oxigen.

On that note, I’d like to take a moment to share Oxigen’s vision of the future with you. Imagine you could automatically pay your loved ones’ mobile, landline, TV, Internet, electricity, and gas bills every month from your credit card while earning Oxigen Reward Points and miles on your credit card. Imagine your loved ones could request money or payments from you so that you could easily approve (or reject) their requests in one swipe while Oxigen takes care of all the rest. Imagine you could seamlessly transfer value to your loved one’s Oxigen Wallet in India, and that they could immediately use that value however they wanted to – for shopping online or offline, paying bills, transferring money, or even cashing out at any of Oxigen’s 200,000 retail points across India. Imagine you could use the value stored in your Oxigen app to not only send money, but also to make purchases for yourself while traveling internationally without having to convert currencies. These are the kind of life-changing experiences we’re working on here at Oxigen. We have already established Oxigen as a pioneer of the only one-stop-shop for sending happiness to India, and the fun has just begun 🙂

If you haven’t already, please register an Oxigen account so that you can receive emails when we add new articles to this blog. Please take a minute to let us know the kinds of topics you’d like to see here, and feel free to send in a blog of your own to happiness@oxigenusa.com if you think it’s relevant to the NRI community!

Warm regards,
Amir Alexander Hasson
Founder & Chief Happiness Officer
Oxigen USA, Inc.

 

 

Amir is an accomplished entrepreneur with expertise in international business, IT, and telecom. He received his Master’s from MIT Sloan and has started 4 companies impacting the lives of millions globally. Red Herring featured Amir as one of the “Top 25 [Entrepreneurs] Under 35”. Amir enjoys yoga, kitesurfing, and travel.

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Help a Demonetization Victim go Digital

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As we all know, on November 8, 2016, the Prime Minister of India, Mr. Narendra Modi, declared all Rs 500 and Rs 1,000 notes invalid with immediate effect. The historic attempt to curb black money and counterfeit currencies brought to light just how cash dependent we are, or were, for our daily needs.

As an employee of Oxigen, I’ve been using the Oxigen Wallet app and making payments using digital cash for years. I was blissfully unaware of the widespread effects of this new rule because there are no 500 or 1,000 Rupee notes in digital cash. However, the harsh reality of suddenly not being able to use those denominations was affecting many people around me, including my parents.

I’ve reveled in the convenience of digitized cash and never missed a chance to bring it up in conversations. Earlier, I’d have to quickly move on to talking about something else because of the blatant display of disinterest digitized cash – it wasn’t a necessity. Since the demonetization there’s an entirely different vibe when I talk about the Oxigen Wallet. What can I say, every dog has its day!

The day after the announcement I remember waking up to the incessant murmuring of my usually “Zen” house help. I was late and couldn’t have a conversation to find out what was troubling her. But, I figured it out on my way to work when I saw what I can certainly call “chaos”. Unrealistically long queues outside several ATMs, groups of anxious people having animated conversations, and confused individuals who didn’t really know what was happening.

Over the next few days, people thronged to banks to exchange or deposit their old currency notes. There was impatience and frustration in the air. The evident dearth of cash threatened to bring everything to a standstill, especially for small businesses without a way to accept digital payments. I learnt that they were the hardest hit segment, seeing a 30-40% reduction in sales, because everybody simply needed time to figure out how to cope with the sudden change.

Since Oxigen is a pioneer in the mobile payments industry, I found myself in the eye of the storm. That sure does sound scary, but I began to relish it. Here’s why – hundreds of Oxigen employees were sent out on the streets to educate retailers on how to switch to accepting digital payments and keep their businesses running during and after this transition. I was one of those employees, and I had the opportunity to personally sit down with some hardworking entrepreneurs to learn about the challenges they faced. We discussed things ranging from bank accounts, smart phones and internet connectivity to how they can continue to run a profitable business in the face of demonetization. It was a fulfilling experience because I walked away knowing that, whether or not they decided to become an Oxigen retailer, I had put some of their biggest fears to rest and given them some options in this otherwise clueless situation.

I’ve come to realize that change is never smooth and easy. It can be especially unsettling if you don’t understand the reason behind the change or how to cope with it. While making the change to start accepting digital payments may seem straight forward to those who have grown up with the luxury of technology, it might be a scary proposition for somebody who has always relied on the security and feeling of cash in their hands. There still are millions of individuals and business owners who are allowing their fears and vulnerability to hold them back from adapting to the situation in ways that can be devastating to their – and their family’s – lives.

This exercise has led me to meet some amazing entrepreneurs who overcame tremendous obstacles to make it to where they are now. As I continue to interact with small business owners, I’ll be documenting their experiences and sharing their stories with you because, “Great experiences are even better when they are shared” (Calvin and Hobbes).

Meanwhile, if you know folks in India who might be struggling with demonetization consider telling them to check out Oxigen. If they don’t have a credit or debit card, then Oxigen Wallet can help them digitize their cash, avoid long bank queues, and make purchases anywhere Oxigen or Visa is accepted. If they’re a merchant who only accepts cash, Oxigen can help them accept digital payments from consumers, broadening their potential customer base. All of this can happen within minutes.

Encourage your loved ones in India to share this information with anybody who is struggling with the aftermath of demonetization. You could help somebody you care about get back on their feet.

 

Ankur has a Master’s Degree in Marketing & Finance from IIT Roorkee. He has over 4 years of work experience building world-class products at Oxigen and TCS, and works closely with the CEO to help translate the vision into products. In his free time, Ankur loves to play tennis, pool, and keep an eye on Oxigen’s competitors.

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