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Ketharaman Swaminathan

Founder and CEO
GTM360 Marketing Solutions
Member since
17 Apr 2009
Location
Pune
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

As Founder and CEO, S. Ketharaman provides overall direction and leadership toward setting and achievement of GTM360's goals and objectives.

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Founder and CEO
GTM360 Marketing Solutions
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Latest opinions

Ketharaman Swaminathan

Rising Friction In Banking - Part 2

In Rising Friction In Banking - Part 1, we saw four friction hotspots in customer journeys and applications in banking. In this Part 2, we'll see four more. 5. Account Opening Audit I received a letter from the bank where I hold my Public Provident Fund account. For the uninitiated, in India, PPF is the pension component of social security. When I...

26 August 2025

Ketharaman Swaminathan

Rising Friction In Banking - Part 1

I once argued that Banks Will Never Catch Up With The Frictionless UX Of Fintechs. Since then, I've seen some improvements in the user experience of banking apps. My go-to Payment app now has a four digit PIN (down from six digits) Stock trading app keeps me logged in the whole day (instead of logging me out after five minutes of inactivity) Netb...

21 May 2025

Ketharaman Swaminathan

DeepSeek - Engineering Innovation Or Financial Jugglery?

When consumers are asked to pay for some product or service, they think twice about whether to consume it. There's a cognitive overhead in all decisions but the one involved in micropayments is acute because it's more mentally taxing to decide whether or not to spend, say, $0.10 to read an article than the $0.10 itself. Ergo, as Byrne Hobart notes ...

06 February 2025

See all 156 opinions by Ketharaman

Latest comments

UK dominates European fintech funding

In my 2018 post entitled Upside Of Brexit For IT Industry, I predicted that Brexit will be good for UK and Tech. Nice to know that my post has aged well even after 7 years. 

22 Sep 2025 14:18 Read comment

SoftBank Vision Fund lays off 20% of staff to make room for AI ambitions

20% of 300 employees is 60 employees. Even assuming an average TC of $1M per employee, laying off 20% of workforce would result in a savings of $60M, which is many orders of magnitude lower than AI investments of tens of billions of dollars. With all those billions of dollars sloshing around, one would think that SoftBank would hire better spin doctors. Alas, one thought wrong. 

22 Sep 2025 14:07 Read comment

Google unveils Agent Payments Protocol to power AI commerce

@Steven Hatton:

Your OP says "every transaction". Every transaction under a Recurring Payments mandate is NOT authorized by the payor. Only the mandate is authorized upfront and only once. Recurring payments under the pre-approved mandate happen without any human intervention. 

While your questions about AI Agents are totally valid, I have a feeling that the Google protocol AP2 described in the original article works at the interface between the AI Agent and Merchant whereas your questions pertain to the interface between the human consumer and AI Agent. Accordingly, I think consumer's authorization of AI Agent to act on his / her behalf is outside the scope of AP2. But let's see what the author of the article says. 

17 Sep 2025 17:38 Read comment

See all 4722 comments by Ketharaman

Ketharaman writes about

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Ketharaman's opinion archive

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