27 June 2017

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Branch And Digital Channels Will Coexist Forever

08 June 2017  |  6913 views  |  0 comments | recommendations Recommends 0

I noticed a huge crowd during a recent visit to my bank branch. I happened to spot the bank’s Head of Relationship Banking - let me call her Sonia - in the branch. I asked her how come their branch was so full when finsurgents have been predicting the death of branches for so long. Sonia told me that, let alone die, their branches are growing. Desp...

TagsRetail bankingStart ups
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Is Software Still Built From Scratch?

16 May 2017  |  3247 views  |  2 comments | recommendations Recommends 0

A few months 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 worked because it was powered by huge battery packs installed in the AC coach. Coincidentally, the manufacturer of these battery packs is located clo...

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Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Does Cash Still Rule Ecommerce In India?

21 April 2017  |  12458 views  |  2 comments | recommendations Recommends 2

Contrary to popular belief, ecommerce began in India in the mid-1990s, which was way before Flipkart came into existence in circa 2007. I remember placing orders from a dial-up modem on Fabmall, Redif...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Quantifying The Risk Of Online Payment Failure

28 March 2017  |  3257 views  |  3 comments | recommendations Recommends 1

I had to pay college fees of INR 300,000 (~US$ 4615). The college supported an array of digital and paper-based payment options viz. Digital: Log in to college website, use college’s ePayment Gateway ...

TagsPaymentsRisk & regulation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Innovative Fintechs Don’t Need No PSD2 Regulation

14 February 2017  |  7032 views  |  2 comments | recommendations Recommends 0

[Pink Floyd fans won’t need any explanation for this post's title. As for the others… well, it’s never too late to become fans of Pink Floyd!] The recent buzz around Artificial Intelligence and Machin...

TagsRetail bankingInnovation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Five Reasons Why PayTM Is Miles Ahead Of Its Rivals

20 January 2017  |  8607 views  |  9 comments | recommendations Recommends 1

With over 100 million users a year ago, PayTM was already ahead of its digital payment competitors before the Nov. 2016 demonetization of high value currency notes in India. On the back of the push fo...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

CashlessIndia - Why Putting Cart Before Horse Will Work

06 January 2017  |  5738 views  |  1 comments | recommendations Recommends 1

On the back of the demonetization of high value currency notes in India, the government has been aggressively pushing cashless payments. Trending on Twitter under the hashtag #CashlessIndia, the init...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fintechs Need Guts More Than Lawyers

15 August 2016  |  4430 views  |  1 comments | recommendations Recommends 0

In Part 1 titled “Fintechs Need Marketers And Lobbyists – Not Lawyers”, we saw why marketers and lobbyists play a vital role in a fintech startup’s success. In this second part, we'll examine the foll...

TagsRisk & regulationStart ups
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fintechs Need Marketers And Lobbyists, Not Lawyers

31 July 2016  |  3907 views  |  0 comments | recommendations Recommends 0

Like startups in any other industry, fintechs need to find a problem to solve, develop a solution, package it in such a way that it provides a compelling reason to use, and thereby gain mainstream ado...

TagsRisk & regulationStart ups
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Enhanced Remittance Data Could Multiply Electronic Fund Transfer Volumes

05 July 2016  |  3677 views  |  0 comments | recommendations Recommends 0

My property management company in UK wanted me to link the following information to my monthly rent payment: MCS MERIDIAN CLIENT ACCOUNT HOUSE RENT 98 MERIDIAN PLACE JUN 2008 There was no way I could ...

TagsPaymentsRetail banking
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