30 March 2017

Talk of Many Things

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Quantifying The Risk Of Online Payment Failure

28 March 2017  |  2092 views  |  0 comments | recommendations Recommends 0

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 and pay by Credit Card. Paper: Demand Draft. I evaluated the pros and cons of both options. DIGITAL PAYMENT Pros: Credit card reward points: 3000 (@ ...

TagsPaymentsRisk & regulation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Innovative Fintechs Don’t Need No PSD2 Regulation

14 February 2017  |  6101 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 Machine Learning has spawned the next generation of Personal Finance Management applications. While the forerunners in the cateogory like Mint (now part of ...

TagsRetail bankingInnovation
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Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Five Reasons Why PayTM Is Miles Ahead Of Its Rivals

20 January 2017  |  7282 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  |  5169 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  |  4220 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  |  3668 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  |  3519 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  |  4194 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  |  3830 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  |  6622 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
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