20 April 2014

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Omnichannel Fiasco No. 2: M-PESA

14 April 2014  |  883 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 encounter with omnichannel that was a fiasco from the word go. This was with Vodafone M-PESA mobile wallet. My early involvement in its development coup...

TagsMobile & onlineInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Credit Where Credit Is Due - HSBC Case Study

31 March 2014  |  1657 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 eStatements for my slip up. I typically receive the printed statement for this credit card around the first week of a month for the payment that's d...

TagsCardsSecurity
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Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Omnichannel Fiasco 1: Standard Chartered Credit Card

18 March 2014  |  1592 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  |  2614 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
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Let Banks Chase Their Defaulters Instead Of Seeking Bailouts

02 January 2014  |  1962 views  |  0  |  Recommends 0

The old saying “Don’t do the crime if you can’t do the time” crossed my mind when I recently read this article in which loan defaulters protest against the aggressive procedures adopted by banks to ...

TagsRisk & regulationRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

From Multichannel To Omnichannel And Beyond

08 December 2013  |  2923 views  |  2  |  Recommends 0

Over the years, my background in IT marketing and product management has brought me close to the subject of how a software should be extended over new channels. I can recall being involved in drawing ...

TagsMobile & onlineInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Banks Can't Transform Legacy Applications - Part 2

01 December 2013  |  2237 views  |  1  |  Recommends 0

In Part 1 of this blog post, I'd described three issues with open systems that held banks back from transforming all their legacy applications to open systems. Here are three more: Sudden loss o...

TagsRisk & regulationTransaction banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

6 Reasons Why Banks Can't Transform Legacy Applications

25 November 2013  |  2099 views  |  2  |  Recommends 0

During a meeting with the CIO of a Top 5 bank in Germany, I was introduced to a lady who was retiring that same weekend. The CIO averred that she was the last employee in the bank's IT department who ...

TagsRisk & regulationTransaction banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Is The US Closed Loop Payment System Increasing Credit Risk?

06 October 2013  |  3777 views  |  0  |  Recommends 0

In other words, is the US "Closed Loop" payments system making Americans less creditworthy? For several years, American travelers have been having a tough time trying to use their magstripe...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Mobile Wallet Has Few Takers - Even At Starbucks

30 September 2013  |  7082 views  |  10  |  Recommends 2

In a world that's awash with exuberant projections of mobile payment spends in 2022 from products that are not yet launched in 2013 - no, I’m not just looking at you, ISIS - GigaOm introduced a sense ...

TagsCardsMobile & online
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