16 January 2017

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

CashlessIndia - Why Putting Cart Before Horse Will Work

06 January 2017  |  4249 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 initiative has attracted criticism from the blogosphere and mainstream media on the grounds that India is not yet ready for digital payments. The average ...

TagsCardsPayments
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fintechs Need Guts More Than Lawyers

15 August 2016  |  4004 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 following middleground approach suggested by some people: Go to lawyers, listen to what they say, understand the risks and work out a mitigation strategy ...

TagsRisk & regulationStart ups
More blog posts
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fintechs Need Marketers And Lobbyists, Not Lawyers

31 July 2016  |  3456 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  |  3443 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
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Five Ways For Banks To Boost Credit Card Use

26 May 2016  |  3827 views  |  0 comments | recommendations Recommends 0

Ever since I got my first credit card in the late '80s, I’ve been a fan of plastic. Rewards, deferred payment and a built-in line of defence from fraud - these are some of the reasons I pay with credi...

TagsCardsRetail banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Banks Will Know Chipotle Is Going Bankrupt Before Chipotle

17 April 2016  |  3578 views  |  0 comments | recommendations Recommends 0

Following Chipotle’s e-coli scare late last year, the burrito chain’s stock has been on a free fall. From a peak of ~$750 in October 2015, the stock price plummeted to ~$400 at the height of the crisi...

TagsRetail bankingInnovation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Really Kill Cash

16 March 2016  |  6508 views  |  2 comments | recommendations Recommends 1

They said cash is costly. It didn't work with merchants. They launched one mobile wallet after the other to drive cashless behavior. It didn't work with consumers. They scared people away from currenc...

TagsCardsRetail banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Is India Headed For A Subprime Mortgage Crisis?

29 February 2016  |  6379 views  |  0 comments | recommendations Recommends 0

I drafted this blog post four years ago after reading this article in Economic Times. Not wanting to sound alarmist, I decided to can it. I revisited the post many times since then and I stuck to my...

TagsRisk & regulationWholesale banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How Banks Can Increase In-Branch Sales

21 February 2016  |  5865 views  |  1 comments | recommendations Recommends 0

In his blog post titled The Power of Location-Based Offers in Financial Services, Jim Marous, Co-Publisher of The Financial Brand, highlights how banks can leverage the proliferation of smartphones t...

TagsCardsRetail banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Privacy Does Not Equal Security

17 January 2016  |  2985 views  |  1 comments | recommendations Recommends 1

A few months ago, I'd posted the following update on social media: Privacy does not equal Security: Privacy is refusing to give out your mobile #. Security is refusing to give out your debit card PIN ...

TagsRisk & regulationRetail banking
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