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Ketharaman Swaminathan

Fintechs Need Guts More Than Lawyers

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 fol...

15 Aug 2016
Ketharaman Swaminathan

Fintechs Need Marketers And Lobbyists, Not Lawyers

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...

31 Jul 2016
Ketharaman Swaminathan

Enhanced Remittance Data Could Multiply Electronic Fund Transfer Volumes

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 ...

05 Jul 2016
Ketharaman Swaminathan

Five Ways For Banks To Boost Credit Card Use

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...

26 May 2016
Ketharaman Swaminathan

Banks Will Know Chipotle Is Going Bankrupt Before Chipotle

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...

17 Apr 2016
Ketharaman Swaminathan

How To Really Kill Cash

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...

16 Mar 2016
Ketharaman Swaminathan

Is India Headed For A Subprime Mortgage Crisis?

I drafted this blog post four years ago after reading this article in Economic Times. Not wanting to sound alarmist, I decided to can it. I revisited the post many times since then and I stuck to my...

29 Feb 2016
Ketharaman Swaminathan

How Banks Can Increase In-Branch Sales

In his blog post titled The Power of Location-Based Offers in Financial Services, Jim Marous, Co-Publisher of The Financial Brand, highlights how banks can leverage the proliferation of smartphones t...

21 Feb 2016
Ketharaman Swaminathan

Privacy Does Not Equal Security

A few months ago, I'd posted the following update on social media: Privacy does not equal Security: Privacy is refusing to give out your mobile #. Security is refusing to give out your debit card PIN ...

17 Jan 2016

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