153 Results
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
I covered two Blockchain flight delay insurance products in AXA Fizzy - The New Kid On The Blockchain and Atlas Etherisc – Another New Kid On The Blockchain. In this post, I’ll address the “Why Blockchain?” question. Here’s a quick recap of the background to this question from the first post: ===== ...the techie in me started wondering what stopp...
07 February 2018
At the end of my blog post entitled AXA Fizzy - The New Kid On The Blockchain, I'd promised to answer the “Why Blockchain?” question in a follow-on post. I'm not fulfilling that promise yet. Frequent readers of this blog would be aware that it's light on research and heavy on personal experience and anecdotal evidence. For reasons highlighted in m...
15 January 2018
I've been asked many times to write about my Blockchain experience. That is not strictly true. I've been asked only twice, most recently by a man in Mumbai, Maharashtra. How can I write about the Blockchain experience, I asked myself on the Deccan Queen returning to Pune, when most of the founders of the Blockchain companies are too busy writing wh...
02 January 2018
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 such as the proverbial $5 coffee. For reasons highlighted in Innovative Fintechs Don’t Need No Open Banking Regulation, PFM's value proposition has...
04 December 2017 /retail
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 promote digital payments. Trending under #CashlessIndia, the drive multiplied visibility of preexisting digital payments and led to the launch of several...
08 November 2017 /payments /retail
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 it common to oversell in B2B? My boss has a tendency to oversell our company services, but the tech team can't keep up. I’m new to the B2B setting. I ...
23 October 2017 /startups
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 definition of the term, Stanley Bing offers the following tongue-in-cheek description for one of the most lucrative services offered by US banks: “No m...
22 September 2017 /regulation /retail
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 often than not, I come across fairly dumb human agents. And, lately, I've started experiencing fairly intelligent chatbots. Let me give you three recent ...
14 August 2017 /ai /retail
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/status/833642760456376320) I replied back pointing out that: "But Merchants pay MDR, not Consumers!" (https://twitter.com/s_ketharaman/stat...
18 July 2017 /payments
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 was so full when finsurgents have been predicting the death of branches for so long. Sonia told me that, let alone die, their branches are growing. Desp...
08 June 2017 /retail /startups
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