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Ketharaman Swaminathan

ePayments Have A Long Way To Go

My stock trading account and the bank account to which it is linked are both held at the same bank which is a Top 3 private sector bank in India. Around five-six years ago, this bank changed all bank ...

01 Nov 2011
Ketharaman Swaminathan

How Banks Can Differentiate By Going The Extra Mile - Part 3

When I wrote Differentiate Your Product By Going The Extra Mile, I'd meant it to be the second and concluding post. But, I came across a few more updates on this subject recently that I thought I mus...

16 Oct 2011
Ketharaman Swaminathan

How Banks Can Differentiate By Going The Extra Mile - Part 2

In Part 1 of this blog post, we'd compared the realtime SMS alerts for credit card transactions sent out by two banks, BANK1 and BANK2. In this Part 2, we'll look at these SMS alerts as 'products' a...

18 Sep 2011
Ketharaman Swaminathan

How Banks Can Differentiate By Going The Extra Mile - Part 1

Credit card holders in India might have noticed of late that they’re receiving SMS alerts on their mobile phones each time they use their cards. I’m not sure if this is a bank/card-specific initiative...

13 Sep 2011
Ketharaman Swaminathan

The Emergence Of ePayment Fraud Chasers

The jury's out – well, not even selected - on this latest one but, at 1:1, the verdicts on the two previous lawsuits around EFT and ACH frauds in the USA are matched evenly between corporates and bank...

21 Jul 2011
Ketharaman Swaminathan

Why I Think EBA Clearing's myBank Will Be A Hit

No, not because it's innovative - it isn't. I can think of at least one provider of this type of alternative payment each in the USA, UK, Netherlands and India that has been around for several years

17 Jun 2011
Ketharaman Swaminathan

Do Retailers Want To Have Their Cake And Eat It Too?

A month ago, when I read this news item on Finextra about ISIS ditching Discover and deciding to tie up with Visa and MasterCard, something didn't sound right. After all, creating another payment netw...

20 May 2011
Ketharaman Swaminathan

NetSpend And Actiance Show Banks The Social Media Way To Go

Kudos to Actiance for coming up with a product like Socialite that grasps the nuances of social media usage and allows companies, even in highly regulated industries, to enjoy the benefits offered by ...

22 Apr 2011
Ketharaman Swaminathan

Shift From Credit To Debit And Prepaid Cards

The last year has been awash with news and analyst reports about how American consumers are forsaking credit cards and increasingly using debit and prepaid cards. Given that credit cards are a “pay

18 Apr 2011

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