03 September 2014

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Are Banks Losing Customers Or Shedding Customers?

22 August 2014  |  3319 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 lending platforms, money transmitters, and other "neobanks". In their urge to dish out free, unsolicited advice, these self-appointed Savior...

TagsRetail bankingInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Calling B.S On Banking The Unbanked

08 August 2014  |  2127 views  |  1  |  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
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Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Cash in Hand Is Worth More Than Card In Bush

21 July 2014  |  1987 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  |  2281 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  |  2133 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  |  1921 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  |  3103 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  |  1589 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  |  2774 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  |  1955 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
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