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Ketharaman Swaminathan

Founder and CEO
GTM360 Marketing Solutions
Member since
17 Apr 2009
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Pune
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Followed by John Sims, Martha Boyle and 5 others you follow
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Ketharaman's comments

clear
Current state of the BNPL market in Spain

Nice post. In survey after survey in USA, UK, etc., a majority of BNPL consumers attribute their preference for BNPL to "free credit" aka avoidance of interest and fees associated with credit card (which they do have). Yet, they let BNPL repayments to be drawn automatically from their credit card (where the issuer allows it). I find this counterintuitive since they will eventually fork out interest and fees when the BNPL installment gets transferred to their credit card. In my blog post BNPL Ain't Killing Banks. It's Making Them Rich, I alluded to this as a "quirk of consumer behavior". 

I see that credit card is one of the modes of BNPL repayment even in Spain. Any idea why BNPL consumers exhibit this contradictory behavior?

14 Jun 2021 13:18 Read comment

Santander pushes back at Which? over APP scam reimbursement rates

Go Santander! It's totally nonsensical to hold banks solely - or even primarily - culpable for APP fraud. Kudos to Santander for pushing back. 

09 Jun 2021 13:43 Read comment

UK Authorities Delay SCA Again...Again

Last June, I posited that they will use the pandemic as the fall guy to shut down SCA, among other initiatives like SWIFT ISO 20022, etc. One year later, I seem to be on the right track. Can't say I'm disappointed. Going by the experience with 2FA in India, UK / EU will be doing its economy a good deed by canning SCA.

07 Jun 2021 13:44 Read comment

When Will Desktop Interop Cross the Chasm?

Well "server computing" does disrupt "desktop computing", likewise "server interop" can disrupt "desktop interop". 

03 Jun 2021 10:17 Read comment

When Will Desktop Interop Cross the Chasm?

@Reena Raichura: Per linked article, Google Datashare also enables access of multisource datasets via BigQuery, reduces onprem infrastructure, etc., all of which do suggest a competing posture to DIP.

03 Jun 2021 09:46 Read comment

The Difference Between POS and mPOS & Mobile Payments

To accept credit card payment, a Merchant needs a Merchant Account from an Acquirer Bank. If Merchant uses Square, she does not need a Merchant Account of her own, she can ride off off Square's master Merchant Account. Keen to know which of the following is the case with mPOS:

(A) Merchant needs separate Merchant Account and has to get it directly from Acquirer Bank

(B) Merchant needs separate Merchant Account but mPOS vendor gets it for the Merchant from Acquirer Bank

(C) Merchant does not need Merchant Account - similar to Square.

02 Jun 2021 16:22 Read comment

Radically rethinking financial products from their core – 5 examples

TBH banks don't give a damn about the financial health of their customers. 

As Financial Brand noted in a recent article, "For all the talk about supporting the consumer, financial literacy, financial health, etc., banks generate a lot of revenue due to poorly informed consumer decisions". 

PFM vendors shilling their products to banks are deluding themselves.

02 Jun 2021 15:16 Read comment

Addressing bank's International payment technology problems.

You've described the problems. Why don't you enrich your puff piece by describing your company's solution to these problems? By publishing your company's website URL, you've already breached Finextra's community rules. In for a penny in for a pound, and all that. 

01 Jun 2021 14:44 Read comment

BankDhofar taps Ripple for Oman-India remittances

Is it realtime from one fiat to another or just within Ripple?

28 May 2021 12:22 Read comment

When Will Desktop Interop Cross the Chasm?

Like I said, I don't know much about DIP, but it'd seem like Google Datashare will disrupt this product category.

Google Cloud launches market data sharing service

PS: I actually meant "compete with" but who can resist throwing around the D word, huh?:)

28 May 2021 12:12 Read comment

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Ketharaman writes about

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Ketharaman's opinion archive

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