Latest opinions that Ketharaman Swaminathan has shared on Finextra

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Ketharaman Swaminathan

Founder and CEO

GTM360 Marketing Solutions

Member since

17 Apr 2009

Location

Pune

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Ketharaman's opinions

Rising Friction In Banking - Part 1

I once argued that Banks Will Never Catch Up With The Frictionless UX Of Fintechs. Since then, I've seen some improvements in the user experience of banking apps. My go-to Payment app now has a four digit PIN (down from six digits) Stock trading app keeps me logged in the whole day (instead of logging me out after five minutes of inactivity) Netb...

21 May 2025 /payments /retail

DeepSeek - Engineering Innovation Or Financial Jugglery?

When consumers are asked to pay for some product or service, they think twice about whether to consume it. There's a cognitive overhead in all decisions but the one involved in micropayments is acute because it's more mentally taxing to decide whether or not to spend, say, $0.10 to read an article than the $0.10 itself. Ergo, as Byrne Hobart notes ...

06 February 2025 /ai /markets

Unveiling What Merchants And Banks Learn About You When You Tap Your Credit Card

Among others, the credit card value chain comprises the following entities: Consumer (aka Customer, Cardholder), who uses the credit card to pay for the purchase Merchant (aka Store, Retailer), who sells what the consumer purchases Issuer Bank, which issues the credit card to the consumer Acquirer Bank, which issues the POS terminal and Merchant ...

11 November 2024 /payments /regulation

CBDC - Utopia or Dystopia?

Central Bank Digital Currency is digital cash. Like paper currency notes, it's issued by the central bank and does not bear interest. Also, like paper currency notes, it's legal tender. At its inception, CBDC was supposed to be based on the blockchain. We don't hear much about that facet of it nowadays. At least 130 countries have announced plans f...

30 September 2024 /payments /crypto

Seven Money-Making Schemes That Sound Too Good To Be True - But Are True

According to the old adage, "If it's too good to be true, it's a scam". In times of rampant fraud, like we're seeing in the crypto world now, many people are repeating this warning. Take the OP of this LinkedIn Post for example. I'm sure they're all well-meaning. I'm also sure that their warning is valid most of the times. But what about...

21 August 2024 /people /crypto

Bank v. Neobank: Safety Of Money In The Light Of Synapse - Evolve Fracas

Fintech Mafia Carousel Pumping is the circular shilling of one another's financial products and services by a bunch of fintech founders with least regard for truth or consumer interest. I recently came across the following exhibit of Fintech Mafia Carousel Pumping on LinkedIn. ========== Why do some of us trust Barclays or Bank of America more tha...

16 July 2024 /regulation /retail

Ten Revolutionary Things About AI - Part 2

In Ten Revolutionary Things About AI - Part 1, we described five gamechangers about ChatGPT and other Generative Artificial Intelligence platforms. In this Part 2, we shall cover five revolutionary things about AI. 6. Weird Regulatory Proposals There are broadly two lobbies for regulating Gen AI: A) Closed Source (via Sam Altman and Vinod Khosla)...

28 May 2024 /ai /regulation

Ten Revolutionary Things About AI - Part 1

Artificial intelligence is promising to disrupt a wide array of legacy practices. - Dan Primack, Axios PRO Rata. Based on my firsthand experience with the AI tsunami over the past 9-10 months, I can wholeheartedly get behind the above prediction. In fact, I've already noticed 10 revolutionary things aka gamechangers about ChatGPT and other GenAI p...

08 May 2024 /ai /regulation

My Two Cents On PayTM Kerfuffle

PayTM is the first digital payment product I've used at scale in India. When RBI enforced the two factor authentication mandate for online payments, bill payments became a major PITA. By requiring users to fill credit card number, expiration date, and half a dozen fields, Reg 2FA caused tremendous friction. After they received the OTP, entered it ...

08 February 2024 /payments /crime

Why ChatGPT Won't Kill Coders

In Will ChatGPT Kill Coders?, we examined many demand suppressors that threatened to kill coders' jobs. We also alluded to DEMAND STIMULANTS, which work as counterweights by boosting demand for coders. In this post, we will do a deep dive into Demand Stimulants. Comprising new computing paradigms and markets, demand stimulants not only arrest the ...

25 January 2024 /cloud

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