20 October 2014

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fate Of Predictive Analytics After Obama Credit Card Decline

16 hours ago  |  885 views  |  0  |  Recommends 0

President Barack Obama’s credit card got declined in a New York restaurant. The likely reason, to quote Obama himself, was “…I guess I don’t use it enough, so they thought there was some fraud going on.” While this is the most high profile example of predictive analytics going awry, it’s not the first and it certainly won’t be the last. Many of u...

TagsCardsRisk & regulation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Difference Between Data Mining And Predictive Analytics

10 October 2014  |  5204 views  |  0  |  Recommends 0

I've been asked several times about the difference between Data Mining and Predictive Analytics. Well, that's not strictly true. I've been asked only once and that too in the following tweet from @IBMAnalytics visible to me among 15.7K of its followers: https://twitter.com/IBMAnalytics/status/459004965298528256 Replies ranged from "depends...

TagsInnovationTransaction banking
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Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Fulfill Targeted Offers To Hear More Ka-Chings

06 October 2014  |  2182 views  |  0  |  Recommends 0

All of us receive spammy offers from banks, consumer brands, ecommerce websites, retailers and many other businesses. If you’re like me, you probably delete these SMS / email messages without even ope...

TagsRetail bankingInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Apple Puts Banks Squarely At The Center Of Mobile Payments

10 September 2014  |  4805 views  |  3  |  Recommends 1

Like many, I’ve long held that nothing is broken with plastic cards for instore payments and made the case for mobile wallets to stick to gift, loyalty, ID and other forms of non-payment cards (see ...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Are Banks Losing Customers Or Shedding Customers?

22 August 2014  |  3789 views  |  0  |  Recommends 0

In their diatribes about the underbanked, unbanked and financial inclusion, many fintech companies and members of the digerati threaten banks with the risk of losing customers to prepaid cards, P2P le...

TagsRetail bankingInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Calling B.S On Banking The Unbanked

08 August 2014  |  2288 views  |  1  |  Recommends 2

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 wi...

TagsPaymentsRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Cash in Hand Is Worth More Than Card In Bush

21 July 2014  |  2353 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. How...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Warts And All, The System Works

11 July 2014  |  2499 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  |  2183 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  |  1995 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
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