The opening panel discussion started with the inference on how consumer behaviour has shifted from experimenting online and buying offline. Moderated by Narayan Krishnamurthy, editor, Outlook Money, the panellists included Tapan Singhel, MD and CEO, Bajaj Allianz Insurance, Ankur Thakore, national head, sales and distribution, L&T Mutual Funds, Atul Sahai, general manager, Oriental Insurance Company, and R.K. Chaudhary, field general manager, Union Bank of India.