22 August 2014

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Calling B.S On Banking The Unbanked

08 August 2014  |  1893 views  |  0  |  Recommends 1

Financial inclusion, banking the unbanked - call it what you will but, in a nutshell, the gist of these initiatives can be expressed as follows: People wish to borrow money only from banks; people wish to deposit their savings only in banks. But, since they can't access a bank, they're forced to dealing with loan sharks and blade companies. To pro...

TagsPaymentsRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Cash in Hand Is Worth More Than Card In Bush

21 July 2014  |  1882 views  |  3  |  Recommends 2

There’s no shortage of studies about the hidden costs of cash. Take this recent HBR report for example. On the face of it, they all make a solid case for society to turn cashless from tomorrow. However, upon scratching the surface, I’ve never found a single one of these articles penned by merchants who are the biggest victim of these purported h...

TagsCardsPayments
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Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Warts And All, The System Works

11 July 2014  |  2179 views  |  0  |  Recommends 0

I must be an "early adopter" in Running From Pillar To Post To Link Aadhaar Card To Bank Account: A year later, the early and late majority of LPG subsidy beneficiaries have still not mana...

TagsRisk & regulationRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How Security Can Actually Cause Vulnerability

03 June 2014  |  2090 views  |  1  |  Recommends 1

Security increases friction. That's not news. I've written a few blog posts - click here, and here - on this perennial tradeoff in payments. However, I recently realized that security measures can ...

TagsCardsSecurity
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Analytics or Hair Splitting?

19 May 2014  |  1871 views  |  3  |  Recommends 1

Advances in Big Data, Internet of Things and other technologies are contributing to an ever-increasing quantum of information in today's digital world. Not surprisingly, analytics has become a hot top...

TagsRetail bankingTransaction banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Coin Solves A Pain. But Is It A 100 Dollar Pain?

27 April 2014  |  3087 views  |  0  |  Recommends 0

In Mobile Wallets Should Fix What’s Broken – And It Ain’t Payments, I'd highlighted why paying by plastic card is natural and how mobile wallets are really not offering any compelling reason for peo...

TagsCardsMobile & online
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Omnichannel Fiasco No. 2: M-PESA

14 April 2014  |  1575 views  |  0  |  Recommends 0

In Omnichannel Fiasco #1: Standard Chartered Credit Card, I'd described a recent omnichannel experience that started well but went downhill soon thereafter. In this post, let me describe another enco...

TagsMobile & onlineInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Credit Where Credit Is Due - HSBC Case Study

31 March 2014  |  2755 views  |  0  |  Recommends 0

In over two decades of using credit cards, I missed a payment for the first time a couple of months ago. This happened on my HSBC credit card, which I've been holding for nearly 10 years. I'm blaming...

TagsCardsSecurity
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Omnichannel Fiasco 1: Standard Chartered Credit Card

18 March 2014  |  1867 views  |  0  |  Recommends 0

I recently went through two omnichannel experiences, one that started well but went downhill soon thereafter and another that was a disaster from the beginning. Before I deep dive into my experienc...

TagsRetail bankingInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Beware of Credit Card Reward Redemption Theft

07 February 2014  |  2966 views  |  0  |  Recommends 0

In Will The Sad State Of Logistics Hurt eCommerce? (hyperlink removed but this post will come up on top of the Google SERP), I’d alluded to how DHL, FedEx and other multinational courier companies are...

TagsCardsRisk & regulation
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