03 March 2015

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Secret Of Survival Of Bank Branches

06 February 2015  |  2497 views  |  6  |  Recommends 1

From personal experience and anecdotal evidence, there's no question that retail banking customers are increasingly moving to digital channels to conduct everyday banking transactions like balance inquiry, statement download, and so on. Notwithstanding the pronounced shift in customer preference to digital channels, bank branches are far from dead....

TagsRetail bankingTransaction banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Banks Have Nothing To Fear From Neobanks

25 January 2015  |  2424 views  |  0  |  Recommends 0

According to the Economic Times article Brokerages’ Retail Pain Is Banks' Gain, banks have stolen a march over neobanks in the e-brokerage space in India. Cheaper access to funds and greater trust - "no one lost money with a bank" - are two major factors that have gone in favor of banks. Based on personal experience, I'd add better CX as...

TagsSecurityMobile & online
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Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why I Went From Card To COD

18 January 2015  |  2980 views  |  5  |  Recommends 1

I’ve been shopping online since circa 1998 but, over the years, the following factors have taken the shine off my initial enthusiasm for ecommerce in India: Driven by VCs braying for profits, many ec...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fate Of Predictive Analytics After Obama Credit Card Decline

19 October 2014  |  6510 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 o...

TagsCardsRisk & regulation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Difference Between Data Mining And Predictive Analytics

10 October 2014  |  7600 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 @IBM...

TagsInnovationTransaction banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Fulfill Targeted Offers To Hear More Ka-Chings

06 October 2014  |  2608 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  |  5702 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 M...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Are Banks Losing Customers Or Shedding Customers?

22 August 2014  |  4203 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  |  2507 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 wis...

TagsPaymentsRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Cash in Hand Is Worth More Than Card In Bush

21 July 2014  |  3422 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. Howev...

TagsCardsPayments
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