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Archive for the ‘BFSI’ Category

As we saw in Feature Or Bug – Facebook & Tideplus, #FeatureOrBug refers to a feature that masquerades as a bug. To recap: As brands increasingly adopt personalization in their communications, what you see is not what I see. Then there are other types of differences like: What you see on desktop is not what you see on mobile What you see yesterday is not what you see today Inconsistencies in what you see wherever and whenever. At first blush, it might seem […]

Posted by Ketharaman Swaminathan On Feb - 9 - 2018 1 Comment READ FULL POST

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 stopped someone from developing a similar flight delay insurance product on a traditional centralized database architecture… Is there any intrinsic shortcoming with a centralized […]

Posted by Ketharaman Swaminathan On Feb - 2 - 2018 1 Comment READ FULL POST

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’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 1 Comment 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 we all know, 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 new digital payments. Among the former category were web A2A electronic fund transfer (NEFT, IMPS, RTGS), mobile wallet (PayTM, PayZapp), credit card […]

Posted by Ketharaman Swaminathan On Nov - 10 - 2017 2 Comments READ FULL POST

In When Does Negative Copy Drive Positive Outcomes?, we saw how the Loss Aversion principle in consumer behavior makes negative copy effective. At the end of the post, I’d cautioned vendors against using negative copy indiscriminately and implored them to handle campaigns based on negative copy with a lot of care. In this post, I’ll share my thoughts on when and how to use negative copy in customer outreach campaigns. First the “when” of using negative copy. It’s a no brainer […]

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

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 matter what you spend with your debit card, even if you have no money in your account, the guys at the bank will make sure that you’re not embarrassed. They’ll pay […]

Posted by Ketharaman Swaminathan On Aug - 18 - 2017 Add Comments READ FULL POST

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 — Srikanth ஸ்‌ரீகாந்த் (@logic) February 20, 2017 I replied back pointing out that: But Merchants pay MDR, not Consumers! — S.Ketharaman (@s_ketharaman) February 20, 2017 He replied back with the following tweet: nice dream. — Srikanth ஸ்‌ரீகாந்த் (@logic) February 20, 2017 @logic was implying that merchants will definitely pass on the […]

Posted by Ketharaman Swaminathan On Jul - 14 - 2017 5 Comments READ FULL POST
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