"My words go up, my thoughts remain below; Words without thoughts never to heaven go"

Shakespeare put this so beautifully and even centuries later this is realized under so many different perspectives by us mortals. B'cognizance continues with its endeavours to provide 'thoughts' to 'words' which in turn have the ultimate objective of hitting the perceptual construct of the readers HARD.

With a well thought of amalgamation of articles under different spheres, it is a pleasure for us to present you with this latest issue of B'cognizance.

 To start with this issue as mentioned combines IT related topics under Technova along with financial topics like inflation and financial service sector. Also to mention that this issue has been enriched by respected experts in diverse Diaspora to whom we are highly indebted. To name a few are Dr. Sapna Rakesh (Prof. ITS Ghaziabad) presenting an insight into consumer's predisposition towards retail loyalty cards, Mr Rakesh Srivastava's (Assistant Prof. United Institute of Management) continued effort from the last issue in conversion of equity shares to sponsored ADRs will surely entice the readers for a worthy look.

 Adding on are Ms. Neeru Saxena and Ms. Vanadana Sharma (both Lecturer IMR Ghaziabad) expressing their views on Data Mining toward Business Intelligence, Trend of banks towards universal banking by Ms. Pinki Singh (Lecturer IMR Ghaziabad), Relationship retailing with reference to Shopper's Stop by Ms. Ruchika Jaiswal (Faculty IMS Ghaziabad) are the interesting pieces of work that mark up this issue. URL gives you addresses on the Internet where you would find interesting information that adds onto your knowledge base.

We hope that you have great time in going through this issue and after reading it gives some degree of value addition to you. That will suffice satisfaction in us.

From the Editors