20 September 2017

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Can Chatbots Replace Humans?

14 August 2017  |  12852 views  |  0 comments | recommendations Recommends 0

If you think bots will never replace human agents, you’re amongst the lucky few who has been served by intelligent human agents. I admit that I’ve also been among the lucky few at times. But more often than not, I come across fairly dumb human agents. And, lately, I've started experiencing fairly intelligent chatbots. Let me give you three recent e...

TagsArtificial IntelligenceRetail banking
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Fight Credit Card Surcharge And Take CashlessIndia To The Next Level

18 July 2017  |  11208 views  |  0 comments | recommendations Recommends 1

I recently read the following tweet: "After Banks figure this out and do something with eKYC, they will realize that people are not ready to pay MDR, want privacy" (https://twitter.com/logic/status/833642760456376320) I replied back pointing out that: "But Merchants pay MDR, not Consumers!" (https://twitter.com/s_ketharaman/stat...

TagsCardsPayments
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Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Branch And Digital Channels Will Coexist Forever

08 June 2017  |  8017 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 wa...

TagsRetail bankingStart ups
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Is Software Still Built From Scratch?

16 May 2017  |  3641 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 ...

TagsOpen APIs
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Does Cash Still Rule Ecommerce In India?

21 April 2017  |  13151 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  |  3631 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  |  7661 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  |  10220 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  |  5999 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  |  4595 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
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