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

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

How AI Can Take Readability Of Bills And Statements To The Next Level

In Bills And Statements Are Hard To Decipher, we noted that it was very hard to read bills and statements from banks, ecommerce companies, retailers and other industries. We took two examples and did a deep dive to understand the full extent of the indecipherability problem: Ecommerce Bill Bank Statement In this post, we will examine the root c...

10 January 2024 /payments /retail

Will ChatGPT Kill Coders?

While building the new website of my company, I asked ChatGPT for code for the following responsive design elements: 3 images side by side Table with 2 rows, first row with 3 images, second row with 3 links 3 images side by side on one line and 3 links on the next line 3 images side by side with linked captions. ChatGPT responded back with code s...

05 December 2023 /cloud

Unpacking Embedded Finance From Consumer POV

Whenever a new term enters the hype cycle, it's fashionable for people to bandy it about all the time, sometimes correctly but most of the time loosely. Embedded Finance is one such term. In this post, we will unpack the term, specifically from the consumer point-of-view. A consumer goods retailer in India offered installment purchase of transistor...

23 November 2023 /retail /wholesale

Why Are Bills And Statements So Frigging Hard To Decipher?

People regularly complain that it's very hard to decipher bills and statements from banks. Rant from Quora: Why are the description info on Bank Account Statements so confusing? We cannot find what is the debit for and from whom the payment / transfer has come in. End of the month when you see the statement we have to break our heads to decipher t...

31 October 2023 /payments /retail

Consumer Credit Ratings Should NOT Get More Personal

In a recent op-ed entitled Credit Ratings Need To Get Personal in the Economic Times, the authors compare corporate credit rating and consumer credit rating and make the case for enriching consumer credit rating by pointing to the more-enriched composition of corporate credit rating. In my opinion, this is a false equivalence for at least two reas...

16 October 2023 /retail /wholesale

Calling BS Of Bank Fintech Partnership

Fintech came into existence with the charter of disrupting traditional banks. It sought to achieve its mission by democratizing finance with modern technologies and superior customer experiences. The plan was to unbundle banking into multiple products, be a CHILL entrant in each product, bring the unbanked and underbanked into its fold first, then...

19 July 2023 /retail /predictions

Calling BS On Banks Privatize Profits And Socialize Losses

I first heard the meme "Banks privatize profits and socialize losses" soon after some banks were bailed out during the Great Financial Crisis of 2007-8 in USA. The narrative was, when banks do well, they distribute their profits to their employees and shareholders whereas when they do badly, they palm off their losses to taxpayers who res...

02 May 2023 /regulation /retail

ISO 20022: Waiting For Godot Moment In Finance

Limitation in field length of payment messages causes endless number of problems in electronic payments. Let me give a few examples: I was unable to fit the payee name MCS MERIDIAN CLIENT ACCOUNT HOUSE RENT 98 MERIDIAN PLACE JUN 2008 in the payee field of my bank's payment screen. My bank told me to change it to MCS MERIDIAN CLI. I wasn't sure if ...

17 April 2023 /payments /predictions

How To Fire Developers And Assemble Software From APIs

A few years 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 worked because it was powered by huge battery packs installed in the AC coach. Coincidentally, the manufacturer of these battery packs is located clos...

01 March 2023 /cloud /devops

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