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Like me, you may have come across people who appear obsessed with security but happily book cabs, order food, and even make payments on their mobile phones without entering a single password / PIN. T...
Let’s take the following two statements: Indians are obsessed over security Indians make payments without entering any password. Each of these statements is a fact. But, taken together, they appear ...
A banker quit his job and started a new company. He applied for a debit card for his company’s bank account. Ram, as we'll call the ex-banker, completed the required forms, submitted his company's boa...
India's central bank-cum-banking regulator Reserve Bank of India relaxed the two factor authentication mandate for instore card payments below INR 2000 (~US$30). This means that you can pay with cred...
On the tenth anniversary of the bankruptcy of Lehman Brothers, the media is full of articles questioning why nobody went to jail for the Great Financial Crisis that followed. Take, for instance, A cri...
This is a slightly edited version of my answer to the following Quora question: Usually, there are many apps in the market, the developer remains blissfully unaware of them, develops a similar app w...
A newly started electronic brokerage gave free eTrading accounts to all employees of the company in which I was working in circa 2000. I signed up for one immediately. Since then, I've done all my sto...
When my employer posted me to Germany in the early 2000s to open its subsidiary for the so-called D-A-CH (German speaking) market of Europe, we had no reference customer in Germany. When prospects wou...
SAAS users experience frequent UI changes. The sales order button suddenly moves from top left to bottom right of the screen. The funnel report disappears from the splash screen. I could go on and on ...
To generate rapid traction for their products, many SAAS providers offer a Freemium plan, which is free access to a truncated version of their full blown software that comes at a price. By doing so, t...
We come across the “Go Wide or Go Deep?” question regularly in our outsourced product management engagements. (Should the term “outsourced product management” intrigue you, see Who The Heck Outsources...
Targeted offers have become famous. That’s not to say they’ve become popular. The disconnect is because brand managers report low conversion rates of offers made to offers redeemed. One main reason wh...