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4 Results from 2021

Ketharaman Swaminathan

Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions

Six Hacks To Escape Subscription Trap

In What Is Subscription Trap? (Part 1), we saw several Dark Patterns used by brands and service providers ("Merchants") to make it difficult for us to cancel subscriptions like Social network e.g. LinkedIn Premium Digital media e.g. Wall Street Journal Streaming video service / OTT e.g. Netflix Hosting service e.g. Hostgator SAAS softwa...

/payments /crime

Ketharaman Swaminathan

Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions

RIP Google Plex - But Big Tech Can Still Disrupt Big Banks

Bank accounts are not heavily branded, barring a few exceptions like the one from IndusInd Bank, which tries to create a strong brand for its bank account on the back of differentiators like return of canceled cheque. (For the uninitiated, banks return canceled cheques to customers by default in USA but they retain them with themselves in India, s...

/retail /predictions

Ketharaman Swaminathan

Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions

What Is Subscription Trap?

All of us are familiar with subscriptions of the following type: Social network e.g. LinkedIn Premium Digital media e.g. Wall Street Journal Streaming video service / OTT e.g. Netflix Hosting service e.g. Hostgator SAAS software e.g. Salesforce A subscription is for a given plan at a fixed monthly fee. When you sign up for it, you typically submi...

/payments /crime

Ketharaman Swaminathan

Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions

BNPL Ain't Killing Banks. It's Making Them Rich

Every time a shiny new fintech product or service enters the market, finsurgents immediately predict the death of traditional banks. But traditional banks always go laughing all the way to the - ahem - bank. We saw this behavior when mobile wallets were the rage 8-10 years ago. Finsurgents predicted that they'd kill credit cards. Didn't happen. In...

/payments /retail

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