Industry Insights & Reports

By Adri Research Forum | Co-Author - Bedabrata Bagchi | May 2026 The Pattern We Have Seen Before Every major commercial technology platform has followed the same arc. Build a market on underpriced access, condition behaviour at scale, then shift to a model where usage is priced for profitability. Amazon operated at near-zero profit or at a loss for almost two decades, using penetration pricing to capture market share first in books, then electronics, then everything. By the

The End of the Prompt Era There is a quiet but seismic shift happening in how software gets built, and it has nothing to do with a new model, a faster chip, or a cleaner interface. It has to do with a question that most AI tools have never had to answer: what should I work on next? Until now, every AI coding assistant has waited for you. You spotted the bug, wrote the prompt, watched the output, and decided what came next. The human was always in the execution loop. Most AI c

By Bedabrata Bagchi | April 2026 | ARF The Premise: There is something unmistakably familiar about the way a modern AI agent works. It receives a stimulus. It weighs it against memory. It forms a plan. It acts. It observes the result and corrects itself. If this sequence sounds biological, that is because it is. The architecture powering today's most capable AI agents is not merely inspired by the human brain in its structural logic, it is a deliberate translation of how the

Category - Corporate Banking Advisory (ACG) The article intends to explore a financial instrument which could address the current impasse in the banking sector as a sequel to slide in long term deposit as against estimated credit growth. The imbalance calls for building up assets in the short term and liabilities in the long term by developing a multidisciplinary model for a comprehensive solution. Key Words: ALM, Collateral, Self liquidating, Contingency, Discounting,Struct

Innovation doesn’t always have to be complex; sometimes, the most effective solutions are the simplest ones. Its just a matter of bucking up and doing it. Sometime back, Chief Executive Officer and co-founder of Blinkit , Albinder Dhindsa , announced that along with all other electronics, that they deliver in a few mins (along with almost everything found in a general store), they can now deliver a INR 50k+ PS5 too! So basically you can order some coffee and cookies and ye

Consumer meets product, which in turn leads to a profitable business. This is a phenomenon that has more nuances in between than your average analytical playbook. Today the challenge for any marketing and sales division is outreach. While the options of outreach are ever increasing, the filters increase at the same tim e. This makes it so much more difficult. My reference right now is to Email Marketing. There are over a dozen service providers of email marketing in almost ev

Expect Instagram to give out paid subscription for an ad-free experience, soon. Ideal time to see the rise of a new wave of ad free social media platform options? Yeah, exactly what happened with television and with every mode of content consumption. The commercialisation of Instagram is unfolding in a manner remarkably similar to television’s evolution. Initially a platform for user-generated content, Instagram is now experimenting with unskippable ad breaks, echoing the ris