30 March 2017

Talk of Many Things

Archive for: 2014
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Lie With Big Data

18 December 2014  |  4823 views  |  1 comments | recommendations Recommends 0

Darrell Huff's classic How To Lie With Statistics is as relevant today as it was when it was published 60 years ago. Probably even more relevant now because, as more data has been generated in the last three years than in the entire history of mankind, there's so much more raw material for lying now than ever before. Whether it's statistics or big...

Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Fate Of Predictive Analytics After Obama Credit Card Decline

19 October 2014  |  7973 views  |  0 comments | recommendations Recommends 0

President Barack Obama’s credit card got declined in a New York restaurant. The likely reason, to quote Obama himself, was “…I guess I don’t use it enough, so they thought there was some fraud going on.” While this is the most high profile example of predictive analytics going awry, it’s not the first and it certainly won’t be the last. Many of us ...

TagsCardsRisk & regulation
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Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Difference Between Data Mining And Predictive Analytics

10 October 2014  |  16418 views  |  0 comments | recommendations Recommends 0

I've been asked several times about the difference between Data Mining and Predictive Analytics. Well, that's not strictly true. I've been asked only once and that too in the following tweet from @IBM...

TagsInnovationTransaction banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

How To Fulfill Targeted Offers To Hear More Ka-Chings

06 October 2014  |  3118 views  |  0 comments | recommendations Recommends 0

All of us receive spammy offers from banks, consumer brands, ecommerce websites, retailers and many other businesses. If you’re like me, you probably delete these SMS / email messages without even ope...

TagsRetail bankingInnovation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Apple Puts Banks Squarely At The Center Of Mobile Payments

10 September 2014  |  7643 views  |  3 comments | recommendations Recommends 1

Like many, I’ve long held that nothing is broken with plastic cards for instore payments and made the case for mobile wallets to stick to gift, loyalty, ID and other forms of non-payment cards (see M...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Are Banks Losing Customers Or Shedding Customers?

22 August 2014  |  5664 views  |  0 comments | recommendations Recommends 0

In their diatribes about the underbanked, unbanked and financial inclusion, many fintech companies and members of the digerati threaten banks with the risk of losing customers to prepaid cards, P2P le...

TagsRetail bankingInnovation
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Calling B.S On Banking The Unbanked

08 August 2014  |  3795 views  |  1 comments | recommendations Recommends 2

Financial inclusion, banking the unbanked - call it what you will but, in a nutshell, the gist of these initiatives can be expressed as follows: People wish to borrow money only from banks; people wis...

TagsPaymentsRetail banking
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Cash in Hand Is Worth More Than Card In Bush

21 July 2014  |  5543 views  |  4 comments | recommendations Recommends 2

There’s no shortage of studies about the hidden costs of cash. Take this recent HBR report for example. On the face of it, they all make a solid case for society to turn cashless from tomorrow. Howev...

TagsCardsPayments
Ketharaman Swaminathan
Ketharaman SwaminathanGTM360 Marketing Solutions - Pune

Warts And All, The System Works

11 July 2014  |  3132 views  |  0 comments | recommendations Recommends 0

I must be an "early adopter" in Running From Pillar To Post To Link Aadhaar Card To Bank Account: A year later, the early and late majority of LPG subsidy beneficiaries have still not manag...

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

How Security Can Actually Cause Vulnerability

03 June 2014  |  2655 views  |  1 comments | recommendations Recommends 1

Security increases friction. That's not news. I've written a few blog posts - click here, and here - on this perennial tradeoff in payments. However, I recently realized that security measures can ac...

TagsCardsSecurity
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