27 May 2017

Talk of Many Things

Archive for: 2013
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

From Multichannel To Omnichannel And Beyond

08 December 2013  |  5879 views  |  2 comments | recommendations Recommends 1

Over the years, my background in IT marketing and product management has brought me close to the subject of how a software should be extended over new channels. I can recall being involved in drawing up specs for new channel suppport on the following occasions in the past 15-odd years: ERP in Branch Office in the mid '90s Internet ERP in the lat...

TagsMobile & onlineInnovation
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Why Banks Can't Transform Legacy Applications - Part 2

01 December 2013  |  4373 views  |  1 comments | recommendations Recommends 1

In Part 1 of this blog post, I'd described three issues with open systems that held banks back from transforming all their legacy applications to open systems. Here are three more: Sudden loss of functionality. In this brilliant article titled When Product Features Disappear – Amazon, Apple and Tesla and the Troubled Future for 21st Century Cons...

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

6 Reasons Why Banks Can't Transform Legacy Applications

25 November 2013  |  4044 views  |  2 comments | recommendations Recommends 0

During a meeting with the CIO of a Top 5 bank in Germany, I was introduced to a lady who was retiring that same weekend. The CIO averred that she was the last employee in the bank's IT department who ...

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

Is The US Closed Loop Payment System Increasing Credit Risk?

06 October 2013  |  5160 views  |  0 comments | recommendations Recommends 0

In other words, is the US "Closed Loop" payments system making Americans less creditworthy? For several years, American travelers have been having a tough time trying to use their magstripe ...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Mobile Wallet Has Few Takers - Even At Starbucks

30 September 2013  |  13412 views  |  10 comments | recommendations Recommends 2

In a world that's awash with exuberant projections of mobile payment spends in 2022 from products that are not yet launched in 2013 - no, I’m not just looking at you, ISIS - GigaOm introduced a sense ...

TagsCardsMobile & online
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Accelerating Mobile Wallet Adoption By Fixing What's Broken

16 September 2013  |  5953 views  |  7 comments | recommendations Recommends 0

In Mobile Wallets Should Fix What's Broken - And It Ain't Payments, we saw why consumers were more likely to try out mobile wallets for store loyalty cards than debit or credit cards. In this post, w...

TagsCardsMobile & online
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Mobile Wallets: Fix What's Broken - And It Ain't Payments

09 September 2013  |  8816 views  |  5 comments | recommendations Recommends 1

My leather wallet wore out recently. With so much buzz around mobile wallets, I was wondering if I should even bother with another leather wallet. Before switching to a mobile wallet, I inventoried th...

TagsMobile & onlineInnovation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Will High NIM Propel Indian Banks Into FORTUNE 500?

22 July 2013  |  4227 views  |  0 comments | recommendations Recommends 0

The fragmented state of the banking industry and, arguably, the relatively conservative policies of the Indian banking regulator Reserve Bank of India, have kept the assets of Indian banks somewhat su...

TagsRetail bankingWholesale banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Open Letter To My ePayment Gateway Company

14 June 2013  |  2641 views  |  0 comments | recommendations Recommends 0

The proverbial ink has hardly dried on my blog post titled Mobile OTP: Cyanide Or Caffeine For Online Payments? than I saw the following 'kiss-of-death' screen on my laptop <Finextra readers to pl...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Mobile OTP: Cyanide Or Caffeine For Online Payments?

03 June 2013  |  4713 views  |  7 comments | recommendations Recommends 0

I recently received an SMS from one of my credit card issuing banks - the Indian subsidiary of a British high street bank that has a global presence - informing me about the following change in proced...

TagsCardsMobile & online
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