The Lipstick Effect

Education
Overview The Lipstick Effect is a fascinating phenomenon observed during times of economic downturn, where consumers, particularly women, tend to purchase small luxury items like lipstick instead of more expensive goods. The underlying idea is that when faced with financial stress or limited disposable income, people still seek ways to indulge themselves—just on a smaller scale. This psychological response allows them to experience a sense of control, normalcy, and even empowerment without making large financial commitments. The term gained popularity during the early 2000s, but the pattern was particularly noticeable during the 2008 global financial crisis. While industries across the board experienced sharp declines, cosmetic companies such as Estée Lauder and L’Oréal reported surprising resilience in sales, especially in affordable makeup products. Leonard Lauder, chairman of Estée Lauder Companies, even…
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Go Global – Financial Education

Education
Grasping Global Financial Markets   Diversity of Knowledge Financial markets are progressively worldwide, making it important to comprehend how these markets operate in various nations, including the U.S., Europe, and developing markets. Engaging with international markets aids students in recognizing global economic patterns, investment behavior, and financial instruments.   Macro-Economic Awareness Studying financial frameworks abroad or collaborating with international clients provides students with insights into the effects of global economic occurrences on markets, encompassing interest rates, currency variations, and international commerce.   Acquiring Best Practices   Top-Tier Financial Institutions Numerous leading financial organizations, such as investment banks, hedge funds, and consulting firms, function globally. Gaining exposure to these entities allows students to learn best practices, state-of-the-art technologies, and sophisticated financial techniques utilized in global markets.   Corporate Governance & Regulatory Frameworks Students can also explore…
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FINANCE WITH OR WITHOUT MATHS

Education
Higher-level mathematics is not always required to pursue a career in finance, but the necessity of math depends on the specific area of finance. A simple analogy of how math plays a role in different finance careers has been designed : Careers That Require Higher-Level Math Quantitative Analyst (Quant) Math Level: Very advanced math (calculus, linear algebra, differential equations, probability theory). Reason: This role involves building models to predict market movements, price derivatives, and assess risks. Actuarial Science Math Level: Advanced math and statistics. Reason: Actuaries use probability and statistics to assess risks for insurance companies, pensions, etc. Risk Management Math Level: Advanced statistics and probability. Reason: You’ll analyze financial risks and determine how to mitigate them using mathematical models. Portfolio Management Math Level: Intermediate to advanced, particularly in statistics…
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Can AI Algorithms Replace Financial Advisors?

Can AI Algorithms Replace Financial Advisors?

Finance
Introduction The modern world revolves around AI in so many different ways. Going by the numbers shared by a Statista report, the AI industry is expected to reach 244 billion US dollars by the end of 2025. As such, it’s clear that artificial intelligence will continue to reshape how industries function — including finance. At the Indian School of Business and Finance (ISBF), one of the leading banking and finance colleges in Delhi, we prepare students through our B.Sc. (Hons) Accounting & Finance Program to understand this evolving landscape — one where financial expertise and technological literacy go hand in hand. With AI gaining traction in the financial world, questions are being raised: Could algorithms one day take over the role of financial advisors? Will human expertise be replaced? While…
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Business Analytics in the Era of AI: Complementary or Competitive?

Business Analytics in the Era of AI: Complementary or Competitive?

Blog
Introduction We’re living in a time where data is everywhere, and decisions need to be sharper than ever. Whether it’s deciding where to launch a new product or how to cut costs without hurting quality, companies rely heavily on data to get things right. That’s where business analytics quietly does the magic in the background. If you’re someone considering a future in this field, finding the right business analytics course in Delhi could be your first smart move. We at the Indian School of Business and Finance (ISBF) have seen how business analytics has evolved and how it now stands at an exciting intersection with Artificial Intelligence. That’s exactly why we designed our B.Sc. (Hons) Data Science and Business Analytics program to help students navigate and lead in this new,…
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Top Careers in Economics and Finance: Skills You Need to Succeed

Top Careers in Economics and Finance: Skills You Need to Succeed

Finance
Introduction We all remember the 2008 Financial Crisis, the one where the U.S. housing market collapsed due to excessive subprime mortgages, leading to a global economic downturn. What do you think went wrong here? Well, it was the lack of financial literacy and risk assessment, which led to massive bailouts, market crashes, and regulatory reformations across financial institutions. In the presence of financial expertise, economic understanding, on-point business decisions, and policy-making, the outcome would have been different. There are many such examples to cite that underline the importance of economics and finance professionals. A recent article in the Economic Times even hinted at jobs in the financial sector growing by a whopping 9% in 2025. To bridge the gap between market demand and available expertise, we at the Indian School…
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Must-Have Skills for the Modern Business Manager

Must-Have Skills for the Modern Business Manager

Blog
Introduction Business managers with strong business acumen and foundational knowledge have always been in high demand. While companies still look for business acumen, the role actually demands far more to thrive in today’s evolved market. Modern businesses are now looking for multi-skilled business managers who can navigate complex digital ecosystems, lead diverse teams, and adapt to constant changes while delivering results. If you’re planning to step into the world of business management, it’s important to be equipped with real-world skills that match industry expectations. At the Indian School of Business & Finance (ISBF), one of the most well-known business management colleges in Delhi, our B.Sc. (Hons) Business & Management programme, which is offered in collaboration with the University of London, prepares students exactly for this. With a forward-looking curriculum and…
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2025’s Biggest Data Science Trends You Shouldn’t Miss

2025’s Biggest Data Science Trends You Shouldn’t Miss

Blog
Introduction In a world that thrives on information, data has become the new oil that’s powering decisions, driving innovations, and transforming entire industries. But raw data on its own is just noise. It’s only when we organise, analyse, and extract meaningful insights from it using tools like statistics, programming, and machine learning that it becomes powerful. This intersection of data and insight is what we call Data Science. For a country like India, which is undergoing a significant digital transformation, data science is more than just a buzzword—it’s a force multiplier. At the Indian School of Business & Finance (ISBF), we recognise this shift. Our B.Sc. (Hons) in Data Science & Business Analytics, offered in collaboration with the University of London, regarded as the best data science course in Delhi,…
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The Role of AI & Machine Learning in Business Analytics

The Role of AI & Machine Learning in Business Analytics

Blog
Overview With the world entering into the “digital era”, it has become impossible for individuals and entities to function in the absence of business analytics. Speaking of its importance, business analytics helps organisations make smarter, data-backed decisions and improve efficiency and customer experiences by transforming raw data into actionable insights. A great example in this regard is Netflix. This OTT platform has been tapping into the best of business analytics to personalise recommendations, optimise content creation, and boost viewer engagement. In fact, the platform has been able to bag hits such as Stranger Things and The Witcher by prioritising business analytics. In view of the rising demand for business analytics and professionals proficient in this field, we at the Indian School of Business and Finance (ISBF) have designed a highly…
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The Role of Digital Marketing in Modern Business Strategy

The Role of Digital Marketing in Modern Business Strategy

Blog
Overview 2024 became the year when digital marketing underwent a monumental shift. Statistics in this regard have been impressive, with 48% of consumers claiming that they interact with brands online more than they would six months ago. Most importantly, 90% of consumers said that they track ongoing trends and cultural moments through social media alone. This, in itself, proves that digital marketing has become non-negotiable for brands, irrespective of their nature and scale. That said, digital marketing success doesn’t equal shooting in the dark. It involves skill and strategy, something theory and qualifications help solidify. This is one of the key reasons why we at the Indian School of Business and Finance (ISBF), one of the leading business management colleges in Delhi, lay special emphasis on digital marketing in our…
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