Welcome to Finextra. We use cookies to help us to deliver our services. We'll assume you're ok with this, but you may change your preferences at our Cookie Centre.
Please read our Privacy Policy.

Accept
Channels
Profile
Location
Pune
Member since
2009
Writes about
Security Payments Regulation & Compliance People Retail banking Wholesale banking Cloud DevOps Start ups Cryptocurrency Markets Financial Crime Covid-19 Predictions

Ketharaman's blog archive

2023 (9) 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)
Ketharaman Swaminathan

Ketharaman Swaminathan

Founder and CEO at GTM360 Marketing Solutions
Message Message me Posts: 144 Comments: 4,451
Bio As Founder and CEO, S. Ketharaman provides overall direction and leadership toward setting and achievement of GTM360's goals and objectives. Career History S. Ketharaman has a unique combination of Information Technology products and services experience resulting from his professional career spanning over two decades at leading technology companies like Fujitsu, Oracle, Ramco and Wipro. More at http://www.linkedin.com/in/sketharaman

Blogs

 

Will ChatGPT Kill Coders?

05 Dec 2023

While building the new website of my company, I asked ChatGPT for code for the following responsive design elements: 3 images side by side Table with 2 rows, first row with 3 images, second row with 3 links 3 images side by side on one line and 3 links on the next line 3 images side by side with linked captions. ChatGPT responded back with code s...

 

Unpacking Embedded Finance From Consumer POV

23 Nov 2023

Whenever a new term enters the hype cycle, it's fashionable for people to bandy it about all the time, sometimes correctly but most of the time loosely. Embedded Finance is one such term. In this post, we will unpack the term, specifically from the consumer point-of-view. A consumer goods retailer in India offered installment purchase of transistor...

 

Why Are Bills And Statements So Frigging Hard To Decipher?

31 Oct 2023

People regularly complain that it's very hard to decipher bills and statements from banks. Rant from Quora: Why are the description info on Bank Account Statements so confusing? We cannot find what is the debit for and from whom the payment / transfer has come in. End of the month when you see the statement we have to break our heads to decipher t...

 

Consumer Credit Ratings Should NOT Get More Personal

16 Oct 2023

In a recent op-ed entitled Credit Ratings Need To Get Personal in the Economic Times, the authors compare corporate credit rating and consumer credit rating and make the case for enriching consumer credit rating by pointing to the more-enriched composition of corporate credit rating. In my opinion, this is a false equivalence for at least two reas...

See all Ketharaman's blogs

Ketharaman is Commenting on

Cash usage grows for first time in a decade

  When I wrote The Death Of Cash Is At Least 190 Years Away in 2013, I'd modeled a continuous decline in cash usage by 1.95% a year. I never expected that cash usage would go up after 10 years. Hmmm.

8 h Reply Read article

UK financial regulators to assume direct oversight of critical technology suppliers

  This has already been happening with US regulators for decades. In my old (IT) company, all the ODCs we ran for banks and FIs used to undergo annual / biannual audits by OCC and other BFS industry regulators.

9 h Reply Read article

The Unseen Backbone of Banking: A Deep Dive into Matching and Reconciliation

  TY. Using the same structured comment twice should work. Sure, two different dates for the two payments is a feature, not bug, in this situation. 

9 h Reply Read article

Why Code Audits are Essential Before Mergers and Acquisitions

  When two companies A and B merge, as part of Post Merger Integration, some systems of A are retired in favor of B's systems and some systems of B are retired in favor of A's systems. The retained systems anyway have been tried and tested for years before M&A. "So why do we need code translators, code transpilers and code audit tools?" is the common objection we've across while targeting these tools at banks and FIs.  

07 Dec 2023 Reply Read article