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PayTM is the first digital payment product I've used at scale in India. When RBI enforced the two factor authentication mandate for online payments, bill payments became a major PITA. By requiring use...
In Will ChatGPT Kill Coders?, we examined many demand suppressors that threatened to kill coders' jobs. We also alluded to DEMAND STIMULANTS, which work as counterweights by boosting demand for coder...
In Bills And Statements Are Hard To Decipher, we noted that it was very hard to read bills and statements from banks, ecommerce companies, retailers and other industries. We took two examples and did...
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 ...
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...
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 i...
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 cr...
Fintech came into existence with the charter of disrupting traditional banks. It sought to achieve its mission by democratizing finance with modern technologies and superior customer experiences. The ...
I first heard the meme "Banks privatize profits and socialize losses" soon after some banks were bailed out during the Great Financial Crisis of 2007-8 in USA. The narrative was, when banks ...
Limitation in field length of payment messages causes endless number of problems in electronic payments. Let me give a few examples: I was unable to fit the payee name MCS MERIDIAN CLIENT ACCOUNT HOU...
A few years ago, I'd visited the South Indian temple town of Tirupati with my family. On the way, whenever the train stopped at a station, the engine was switched off. But the air-conditioning still w...
(This is a commentary on how shortselling works and not a guide to carry out shortselling.) I recently posted the following update on social media: @s_ketharaman: Startup Idea: Hindenburg Research of...