27 September 2016

Musings of a change agent

Mukesh GuptaSAP India Pvt ltd - Bangalore

The Future of Banking - Potential and Threats

01 September 2016  |  2574 views  |  0 comments | recommendations Recommends 0

The past decade has already seen a lot of industry structures being redefined with leaders going bust and new age companies taking their place. One of the industries that seems to be on the cusp of going through a similar upheaval seems to be the banking industry. If you look at what a bank does at its core, it is only two things: Collect money...

TagsBlockchainTransaction bankingGroupInnovation in Financial Services
Mukesh GuptaSAP India Pvt ltd - Bangalore

Is Banking now a Commodity Service?

27 May 2014  |  1732 views  |  2 comments | recommendations Recommends 0

If you happen to notice of late, all banks now have been relegated to a commodity status. It doesn't matter which bank you want to do business with, you will find that all of these banks offer very similar services, with very similar fees. We can use our ATM cards on the ATM machines of any bank. All banks offer internet banking, some easier to u...

TagsRetail bankingInnovationGroupFinance 2.0
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Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

Relevance of Banking - Financial economy to Network Economy

30 August 2013  |  4360 views  |  0 comments | recommendations Recommends 0

Can banks transform themselves to remain relevant both in the financial economy and for the network economy? Traditionally, the role of the banks have been to be collect money from people who have mon...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

Crowd funding and Banking

22 May 2013  |  3327 views  |  0 comments | recommendations Recommends 0

There has been a consistent growth in the number of Crowd-funding platforms all around the world. This is quite understandable given that they address a niche segment of the market that no other finan...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

When Banking is No Longer Just About Banking

17 April 2013  |  2800 views  |  0 comments | recommendations Recommends 0

Fifth Third Bank and NextJob came together to address a challenge faced by most retail banks - Mortgage defaults. According to the press release from the company, Steven Alonso, executive vice presid...

TagsRetail bankingInnovationGroupInnovation in Financial Services
Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

Customer engagement in a digital era

02 April 2013  |  3346 views  |  1 comments | recommendations Recommends 0

There have been reports that the overall customer engagement at banks for customers using one of the digital channels like Online banking, mobile banking, etc. One of the most important aspect of cust...

TagsRetail bankingInnovation
Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

Idea for disruptive innovation in Banks

26 February 2013  |  5429 views  |  5 comments | recommendations Recommends 0

There is a lot of discussions and activities around the revival of the good old ATM. Some are trying to make these machines more user centric like Wells Fargo. Some are trying to improve the overal...

TagsCardsInnovationGroupInnovation in Financial Services
Mukesh Gupta
Mukesh GuptaSAP India Pvt ltd - Bangalore

Retailer Credit Card - possible engine of growth for banks

21 February 2013  |  4009 views  |  1 comments | recommendations Recommends 0

Farmers in India are offered Kisan Credit Cards to provide adequate and timely support from the banking system to the farmers for their short-term credit needs. The banking industry can take a clue f...

TagsCardsRetail banking
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