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If you follow this blog, you know that I write about fintech, marketing, product management, and so on. IT architecture is a new topic for me. I was prompted to write about it after a series of personal experiences with chaos in modern SMAC architecture. 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 everyday life: Cloud […]

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 1 Comment 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

On a recent tweetchat about social media customer service, many tweeples felt that the channel was only suitable for escalation. Not me. Although it was for escalation that I first used social media a few years ago – to get my malfunctioning printer fixed – the channel has become my first port of call nowadays. That’s because: Telephone means having to listen to hold music and navigate through convoluted phone trees. This is painful and time-consuming. Website means trying – […]

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

This is a slightly edited version of my answer to the following question on Quora: How Do I Run An Email Campaign To Generate B2B Leads? Most email campaigns I’ve come across provide a great answer to the question “What does your company do?” Not surprisingly, they fail to generate leads. Because people receiving those emails are not asking that question. If you look at it another way, these emails respond to leads. Therefore, they can’t generate leads. (For the […]

Posted by Ketharaman Swaminathan On Jan - 27 - 2017 Add Comments READ FULL POST

With over 100 million users a year ago, PayTM was already ahead of its digital payment competitors before the Nov. 2016 demonetization of high value currency notes in India. On the back of the push for #CashlessIndia consequent to #CurrencySwitch, the Alibaba-backed mobile wallet has increased its lead over its other mobile wallets (e.g. MobiKwik, PayZapp) and account-to-account money transfer apps (e.g. UPI). Today, PayTM boasts 150M users (Source: Wikipedia). Based on my personal experience and anecdotal evidence, I advance five […]

Posted by Ketharaman Swaminathan On Jan - 20 - 2017 Add Comments READ FULL POST

Since I wrote Strange Happenings In Amazon India, I went through another experience with Amazon India. It was so strange that it merits a separate blog post. Here goes. I’d recently ordered a leather wallet from Amazon India. When I received it, I realized that it didn’t have a coin pouch. Therefore, I wanted to return it. I logged in to my Amazon India account to initiate the return. During the process, I was taken to the the refund screen where […]

Posted by Ketharaman Swaminathan On Jan - 13 - 2017 1 Comment READ FULL POST

On the back of the demonetization of high value currency notes in India, the government has been aggressively pushing cashless payments. Trending on Twitter under the hashtag #CashlessIndia, the initiative has attracted criticism from the blogosphere and mainstream media on the grounds that India is not yet ready for digital payments. The average urban business-sensitive citizen seems to echo the same sentiment, judging by the results of the following poll conducted by Economic Times. See MediaNama article titled Cash vs […]

Posted by Ketharaman Swaminathan On Jan - 6 - 2017 Add Comments READ FULL POST

Season’s Greetings and Best Wishes for a Happy and Prosperous New Year 2017. Welcome back to the GTM360 Blog! Let’s begin the new year 2017 with the list of the Top 10 posts of 2016: #10. Sales Will Hasten Its Demise By Sitting On The BANT High Horse #9. Indian IT Industry Might Produce A Fortune 500 Corporation Next Year #8. Five Ways For Banks To Boost Credit Card Use #7. SAAS – What’s In It For Vendors? #6. Drive Engagement With Error Messages! […]

Posted by Ketharaman Swaminathan On Jan - 1 - 2017 Add Comments READ FULL POST

I’m happy to announce that I have been named to The Royalty of Insightful Financial Services Content list. Compiled by Bryan Clagett, CMO & Investor in Geezeo, a proven white-label PFM provider for banks and credit unions, this list places me in the august company of Ron Shevlin, Jim Marous, Stessa Cohen, Brett King, Chris Skinner and seven other fintech titans largely in the United States. A big thank you to Bryan for this recognition. Readers would be aware that […]

Posted by Ketharaman Swaminathan On Dec - 23 - 2016 Add Comments READ FULL POST
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