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Contrary to popular belief, ecommerce began in India in the mid-1990s, which was way before Flipkart came into existence in circa 2007. I remember placing orders from a dial-up modem on Fabmall, Rediff and a couple of other Indian ecommerce pioneers in the late 1990s. I used to pay online by credit card, which I remember was the only mode of payment supported by these websites. That said, Flipkart did pioneer COD in 2010, which gave a huge fillip to […]

Posted by Ketharaman Swaminathan On Apr - 21 - 2017 Add Comments READ FULL POST

Uber makes extensive use of targeted offers as a key plank of its customer engagement management (CEM) strategy. For the uninitiated, a targeted offer is a personalized deal for an individual customer segment – or even individual customer. It’s the antithesis of spam, where the same deal is sent to all customers. A simple example of a targeted offer is a gift coupon you get from a restaurant on your birthday. .@ICICIBank_Care If u really want to give me a […]

Posted by Ketharaman Swaminathan On Apr - 14 - 2017 Add Comments READ FULL POST

As SAAS software gains traction, software companies are making greater use of inside sales. According to Salesforce, inside sales is growing 300% faster than outside sales. With an increasing number of  sales development representatives operating in the same market, it’s not surprising that inside sales is finding it more and more difficult to get through to prospects. Some vendors take the bull by the horns by using Marketable Items and Account Specific Point Offerings to transform their messaging from product-out to business pain […]

Posted by Ketharaman Swaminathan On Apr - 7 - 2017 Add Comments READ FULL POST

The über boss of India’s largest IT company lashed out at detractors of the IT Services industry, pointing out that: Indians should be celebrating an industry that has grown from nothing to US$ 150 billion in revenues in 30 years India should be doing more in an industry that is clearly aligned with its strengths There’s huge headroom for growth in IT Services. I couldn’t agree more with Mr. N Chandrasekharan, who was until recently the CEO of India’s largest IT […]

Posted by Ketharaman Swaminathan On Mar - 24 - 2017 Add Comments READ FULL POST

In Reliance JioFi First Impressions, I’d shared my experience of buying the Portable 4G Pocket WiFi Router and onboarding the 4G Internet connection from Reliance Jio in September 2016. I’d followed this up with another post a month later in which I’d recounted my first two months’ experience with Reliance Jio. At the time, the Internet service was free. Reliance Jio recently announced the end of its free trial period by 31 March 2017 and launched a membership program called Jio […]

Posted by Ketharaman Swaminathan On Mar - 17 - 2017 Add Comments READ FULL POST

At the outset, this post is not about how to recite Genesis 1:3 in a thick Malayalam accent:) It’s about ways to stimulate the use of LED lights. But, first, some background: I was very excited to read about UJALA Dashboard in an Economic Times article titled “LED There Be Light” (now you know the real inspiration for this post’s title!). Standing for Unnat Jyoti By Affordable LED’s for All, UJALA is the name of Government of India’s scheme to […]

Posted by Ketharaman Swaminathan On Mar - 10 - 2017 Add Comments READ FULL POST

I had to pay college fees of INR 300,000 (~US$ 4615). The college supported an array of digital and paper-based payment options viz. Digital: Log in to college website, use college’s ePayment Gateway and pay by Credit Card. Paper: Demand Draft. I evaluated the pros and cons of both options. DIGITAL PAYMENT Pros: Credit card reward points: 3000 (@ 1 point per INR 100 spend). Generally, reward points can be redeemed for gifts worth INR 0.25 per reward point Deferred […]

Posted by Ketharaman Swaminathan On Mar - 3 - 2017 Add Comments READ FULL POST

If you follow this blog, you know that I mostly write about fintech, marketing, product management and customer experience. IT architecture is a new topic. I was prompted to write about it after witnessing a series of chaotic happenings with modern SMAC architecture during the last few months. For the uninitiated, SMAC stands for Social-Mobile-Analytics-Cloud. SMAC applications are typically built using cloud hosting, app stores, web services and APIs. This is how I encounter the building blocks of SMAC in my […]

Posted by Ketharaman Swaminathan On Feb - 24 - 2017 Add Comments READ FULL POST

Pink Floyd fans won’t need any explanation for this post’s title. As for the others… well, it’s never too late to become fans of Pink Floyd!  The recent buzz around Artificial Intelligence and Machine Learning has spawned the next generation of Personal Finance Management applications. While the forerunners in the cateogory like Mint (now part of Intuit, Inc.) are still available on the web, most of the new players are mobile-only. Going by monickers such as Mobile Money Management App […]

Posted by Ketharaman Swaminathan On Feb - 17 - 2017 5 Comments READ FULL POST

A Quoran recently asked me where he could sell his email list in India. Normally, my Quora answers are quite concise. And, after seeing the following reply by Quora’s Founder Adam D. Angelo, I stopped worrying if I was too terse: But the said question about email list gave me a chance to throw light on the differences in buying behaviors in different countries. Therefore, I wrote a rather long answer and, because these differences can shape the GTM strategies of […]

Posted by Ketharaman Swaminathan On Feb - 10 - 2017 Add Comments READ FULL POST
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