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Personal Finance Managers and Mobile Money Management Apps (herewith “PFM”) have been around for over a decade. So far, PFM has focused on budgeting by offering tips to save money on everyday expenses...
As is widely known, there was a severe cash crunch in India on the back of the demonetization of high value currency notes a year ago. To ease the pain, the government of India made a big push to prom...
Every now and then I come across a techie complaining that their sales is overselling, thus making their job of creating a satisfied customer harder. For example, take this OP on Quora, who asks: Is i...
Consumer advocates ranted about overdraft protection fees in 2008, saying the service was forced down upon consumers. While the uninitiated can Google "overdraft protection" for a prosaic de...
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 oft...
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...
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...
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 ...
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...
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 ...
[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...
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...