01 October 2014

Musings of a change agent

Mukesh GuptaSAP India Pvt ltd - Bangalore

Is Banking now a Commodity Service?

27 May 2014  |  1136 views  |  2  |  Recommends 0

If you happen to notice of late, all banks now have been relegated to a commodity status. It doesn't matter which bank you want to do business with, you will find that all of these banks offer very similar services, with very similar fees. We can use our ATM cards on the ATM machines of any bank. All banks offer internet banking, some easier t...

TagsRetail bankingInnovationGroupFinance 2.0
Mukesh GuptaSAP India Pvt ltd - Bangalore

Relevance of Banking - Financial economy to Network Economy

30 August 2013  |  3424 views  |  0  |  Recommends 0

Can banks transform themselves to remain relevant both in the financial economy and for the network economy? Traditionally, the role of the banks have been to be collect money from people who have money, aggregate the same and loan out the money to people who needed it. The banks were needed as there was no way that people who had money could know...

TagsRetail bankingInnovationGroupInnovation in Financial Services
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Mukesh GuptaSAP India Pvt ltd - Bangalore

Crowd funding and Banking

22 May 2013  |  2763 views  |  0  |  Recommends 0

There has been a consistent growth in the number of Crowd-funding platforms all around the world. This is quite understandable given that they address a niche segment of the market that no other finan...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Mukesh GuptaSAP India Pvt ltd - Bangalore

When Banking is No Longer Just About Banking

17 April 2013  |  2378 views  |  0  |  Recommends 0

Fifth Third Bank and NextJob came together to address a challenge faced by most retail banks - Mortgage defaults. According to the press release from the company, Steven Alonso, executive vice pres...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Mukesh GuptaSAP India Pvt ltd - Bangalore

Customer engagement in a digital era

02 April 2013  |  2929 views  |  1  |  Recommends 0

There have been reports that the overall customer engagement at banks for customers using one of the digital channels like Online banking, mobile banking, etc. One of the most important aspect of cust...

TagsRetail bankingInnovation
Mukesh GuptaSAP India Pvt ltd - Bangalore

Idea for disruptive innovation in Banks

26 February 2013  |  4753 views  |  5  |  Recommends 0

There is a lot of discussions and activities around the revival of the good old ATM. Some are trying to make these machines more user centric like Wells Fargo. Some are trying to improve the ove...

TagsCardsInnovationGroupInnovation in Financial Services
Mukesh GuptaSAP India Pvt ltd - Bangalore

Retailer Credit Card - possible engine of growth for banks

21 February 2013  |  3647 views  |  1  |  Recommends 0

Farmers in India are offered Kisan Credit Cards to provide adequate and timely support from the banking system to the farmers for their short-term credit needs. The banking industry can take a clue ...

TagsCardsRetail banking
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