Finextra Research
Sign in
Sign up
  • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
Sign in
Sign up
  • News
    • Back
    • News
    • Latest news
    • Company updates
    • Long reads
  • TV
  • Research
  • Events
    • Back
    • Events
    • All
    • Conferences
    • Webinars
    • Popular
  • Community
    • Back
    • Community
    • Community latest
    • Latest expert opinions
    • Groups
    • Search members
  • Jobs
  • APIs
  • payments
  • markets
  • retail
  • wholesale
  • wealth
  • regulation
  • crime
  • crypto
  • sustainable
  • startups
  • devops
  • identity
  • security
  • cloud
  • ai

Community

  • Your feed
  • Latest expert opinions
  • Groups

Join the Community

23,120
Expert opinions
43,836
Total members
334
New members (last 30 days)
161
New opinions (last 30 days)
29,025
Total comments
Join Sign in
Follow Unfollow

Ketharaman Swaminathan

Founder and CEO
GTM360 Marketing Solutions
Member since
17 Apr 2009
Location
Pune
Followers
17
Following
1
Opinions
154
Long reads
0
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.

Experience

Founder and CEO
GTM360 Marketing Solutions
To Present
Show all experience

Latest opinions

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

Ketharaman Swaminathan

Unveiling What Merchants And Banks Learn About You When You Tap Your Credit Card

Among others, the credit card value chain comprises the following entities: Consumer (aka Customer, Cardholder), who uses the credit card to pay for the purchase Merchant (aka Store, Retailer), who sells what the consumer purchases Issuer Bank, which issues the credit card to the consumer Acquirer Bank, which issues the POS terminal and Merchant ...

11 November 2024

Ketharaman Swaminathan

CBDC - Utopia or Dystopia?

Central Bank Digital Currency is digital cash. Like paper currency notes, it's issued by the central bank and does not bear interest. Also, like paper currency notes, it's legal tender. At its inception, CBDC was supposed to be based on the blockchain. We don't hear much about that facet of it nowadays. At least 130 countries have announced plans f...

30 September 2024

See all 154 opinions by Ketharaman

Latest comments

A third of Australian consumers turning to AI to shop

Curious to know why the results of a poll conducted aross 28 countries talk about only one country?

10 hours Read comment

Monzo launches tool that allows customers to undo payments

Oh c'mon, retailer can at best "not lose" in a chargeback, there's no way a retailer can "gain" from it. Whereas a payor can "gain" or at worst "not gain" from chargeback. No amount of hoops to jump for completing the chargeback process can change that basic point. If you want another fundamental point, it's that credit card is designed to a revocable MOP whether an A2A is designed to be irrevocable MOP. Therefore, at the highest level, it's self-evident that credit card is pro-Payor and A2A is pro-Merchant. 

Now that was only at scheme-level. 

There's nothing stopping other nodes on the A2A network from offering some kind of recourse for wrong payment. And some of them do. In the case of A2A UPI in India, there are nearly 50 PSPs like Walmart PhonePe, PayTM, CREDpay, et al, some of them do offer some sorta chargeback for bad UPI transactions. 

19 May 2025 10:13 Read comment

Monzo launches tool that allows customers to undo payments

Wild guess: Any payor who uses this feature or opts out of using this feature - basically every payor - and loses money by either paying the wrong payee or the wrong amount will automatically forfeit their right to compensation per PSR APP Scam Reimbursement rule. Banks shouldn't have allowed this Drunk Under Lamp Post rule to have come into existence in the first place. Having failed there, they will try to scuttle it in any way possible as the next best option. Monzo is just the first. 

17 May 2025 12:35 Read comment

See all 4670 comments by Ketharaman

Ketharaman writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • retail banking
  • wholesale banking
  • cloud
  • devops
  • start ups
  • cryptocurrency
  • markets
  • financial crime
  • covid-19
  • predictions

Ketharaman's opinion archive

  • 2025 (1)
  • 2024 (9)
  • 2023 (10)
  • 2022 (7)
  • 2021 (4)
  • 2020 (5)
  • 2019 (10)
  • 2018 (16)
  • 2017 (13)
  • 2016 (9)
  • 2015 (12)
  • 2014 (17)
  • 2013 (17)
  • 2012 (12)
  • 2011 (9)
  • 2010 (1)
ShowHide similar members

Similar members

Béla Vér

Béla Vér
Founder and CEO at ApPello

Follow Unfollow
Devin Redmond

Devin Redmond
Founder and CEO at Theta Lake

Follow Unfollow
Suruchi Gupta

Suruchi Gupta
Founder and CEO at GIANT Protocol

Follow Unfollow
Marcus Scaramanga

Marcus Scaramanga
Founder and CEO at Minexx

Follow Unfollow
Aron Alexander

Aron Alexander
Founder and CEO at Runa

Follow Unfollow

Welcome to Finextra. We use cookies to help us to deliver our services. You may change your preferences at our Cookie Centre.

Please read our Privacy Policy.

Accept
Finextra

Finextra

  • About

Community

  • Rules
  • Contact the community team

News

  • Guidance
  • Contact the news desk

Sales

  • Media pack
  • Contact the sales team

Get involved

  • Finextra Live@
  • Webinars
  • Finextra TV
  • Research
  • Finextra.jobs

Events

  • Sustainable Finance Live
  • NextGen Nordics
  • EBAday
  • NextGen:AI
Join the community Register for news alerts
Apple App Store Google App Store

© Finextra Research 2025

Terms of usePrivacy PolicyCookie Centre