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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 my previous post, I couldn’t – and still can’t – buy an AXA Fizzy insurance policy. Nor could I find anyone […]

Posted by Ketharaman Swaminathan On Jan - 19 - 2018 Add Comments READ FULL POST

I recently read the following question on Quora: Is there any app that helps to store all your loyalty cards digitally? I am looking for an app which is India based or atleast caters to the Indian market. Someone once said that, on Quora, you answer the question that’s asked, the question that’s not asked, and the question that should be asked. When I read this question, my first reaction was to wax eloquent about an Indian app that stores […]

Posted by Ketharaman Swaminathan On Jan - 12 - 2018 Add Comments READ FULL POST

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 white papers and running ICOs to develop their dApps and the few of them that have launched their dApps are […]

Posted by Ketharaman Swaminathan On Jan - 5 - 2018 Add Comments READ FULL POST

Season’s Greetings and Best Wishes for a Joyous New Year 2018. Welcome back to GTM360 Blog! We’re happy to inform readers that 2017 was a blockbuster year, with traffic increasing by 70% and engagement via comments and one-on-one feedback touching an all- time high. Here’s the list of Top 10 Most Popular Posts on GTM360 Blog in 2017: #10. Quantifying The Risk Of Online Payment Failure #9. Why Branch And Digital Channels Will Coexist Forever #8. How To Fight Card Payment Surcharge And […]

Posted by Ketharaman Swaminathan On Jan - 1 - 2018 Add Comments READ FULL POST

Uber has been making targeted offers for a long time. As I highlighted in my post titled Mastering Targeted Offers – The Uber Way, some people get an offer, others don’t. As a result, two cohorts of riders can see two different prices for the same ride. In the early days, the price difference was attributed to a bug. But, as customers learned that Uber makes targeted offers at the level of individual riders, they began to recognize the disparity for the […]

Posted by Ketharaman Swaminathan On Dec - 22 - 2017 7 Comments READ FULL POST

The world’s leading mobile wallets use QR codes. This includes Alipay and WeChat Pay in China, PayTM and PayZapp in India and Starbucks App in the United States. QR code has been popular in China for the last 4-5 years. In India, the nineties-era technology has become very visible in the last one year, driven by its use in leading digital payment products that got a huge stimulus on the back of the demonetization of high value currency notes a little […]

Posted by Ketharaman Swaminathan On Dec - 15 - 2017 1 Comment READ FULL POST

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 helping its users control everyday expenses such as the proverbial $5 coffee. For reasons explained in Innovative Fintechs Don’t Need No Open Banking Regulation, PFM’s value proposition has so far been disproportionate to the level of account access it has demanded. On top of that, it has called for a change in behavior. Changing consumer […]

Posted by Ketharaman Swaminathan On Dec - 8 - 2017 1 Comment READ FULL POST

As I highlighted in my blog post titled SAAS – What’s In It For Vendors?, the total subscription fees for three years of a SAAS software often exceeds the lifetime license cost of an equivalent onpremise software. Your prospects and customers will cotton on to this when they “do the math”, as McKinsey observes in Subscription myth busters. Charging SAAS subscriptions to credit cards and expensing them has become a thing of the past. According to Ben Horowitz, cofounder and general partner of the […]

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

As companies go global, their employees relocate to different parts of the world. Immersion in diverse cultures follows. A certain degree of culture shock is inevitable. Overcoming it is a critical success factor for globalization. With this in mind, one of the topics I was planning to cover when I started this blog was globalization amidst cultural differences. But, amidst marketing, sales, fintech and other more frequently covered themes, culture got missed out. I plan to make amends for that with […]

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

Continuing from my previous post titled GST For Techies – Part 1, I’m covering some of the more complicated elements of GST in this follow on post. Part 1’s preamble applies here also but I also want to amplify my previous point about jargon. Every specialty has its own jargon. GST is no exception. While many people rant against jargon, it’s impossible – even inadvisable – to avoid jargon while discussing any specialized topic. According to one study, a 6 […]

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