Official Blog of GTM360 Marketing Solutions
Ketharaman Swaminathan 
Wet Ink Signature is the conventional way of issuing consent by signing on paper with a pen. Digital Signature is the modern way of consenting digitally with a DSC (digital signature certificate). In the context of this blog post, I’m defining digital signature broadly so as to include agreement issued via password, PIN, OTP, and … Read more
Open Network for Digital Commerce seeks to increase the penetration of digital commerce in India by enabling companies to plug into its open and interoperable ecommerce protocol and thereby complete their ecommerce solutions. Setting up an e-commerce platform requires putting together diverse elements and working towards making each element a success. ONDC, on the other … Read more
According to the old adage, “If it’s too good to be true, it’s a scam”. In times of rampant fraud, like we’re seeing in the crypto world now, many people are repeating this warning. Take the OP of this LinkedIn Post for example. I’m sure they’re all well-meaning. I’m also sure that their warning is … Read more
I first heard the meme “Banks privatize profits and socialize losses” soon after some banks were bailed out during the Great Financial Crisis of 2007-8 in USA. The narrative was, when banks do well, they distribute their profits to their employees and shareholders whereas when they do badly, they palm off their losses to taxpayers … Read more
This blog post features ten more contradictions / ironies / disconnects aka #GoFigure. 1. There are tons of free credit cards with rewards, deferred payment, fraud protection, etc. Debit card offers none of these benefits but every one of them has fees attached to it. Still there are 10X more debit cards than credit cards … Read more
Banks have created the impression that they love credit cardholders who pay only the minimum balance every month and revolve their outstandings so that they can earn juicy interest off of them. This has led the Average Joe / Jane credit cardholder to think that banks make money only on interest, and believe that they … Read more
In this blog post, we’ll feature ten contradictions / ironies / disconnects aka #GoFigure. 1. Trend driving Tech: Go from CAPEX to OPEX. Trend driving Solar: Go from OPEX to CAPEX. It’s amazing how these two contradictory trends can coexist in the same company at the same time e.g. IT seeks CxO approval for going … Read more
Finance is full of hair splitting as I warned in Hair Splitting In Finance. Payments is no exception. In Retail Payments Primer, I highlighted that credit card, debit card, wallet, UPI and other retail methods of payments (MOPs) are not equal. Now National Payments Corporation of India would like us to appreciate that there are … Read more
Aspirational Feature is a 10X feature in a software that attracts a lot of users to switch products but is not used by most defectors after they make the switch. A 10X feature can be found in a new product or a later version of the same product (collectively “Aspirational Product”). We’ve covered the 10X … Read more
Limitation in field length of payment messages causes endless number of problems in electronic payments. Let me give a few examples: I was unable to fit the payee name MCS MERIDIAN CLIENT ACCOUNT HOUSE RENT 98 MERIDIAN PLACE JUN 2008 in the payee field of my bank’s payment screen. My bank told me to change … Read more