Official Blog of GTM360 Marketing Solutions
Ketharaman Swaminathan 
India’s central bank-cum-banking regulator Reserve Bank of India relaxed the two factor authentication mandate for instore card payments below INR 2000 (~US$30). This means that you can pay with credit or debit card at a store without entering a PIN for purchases below INR 2000. Ever since that announcement was made, card issuers and acquirers … Read more
There’s no better introduction to this year’s FORTUNE GLOBAL 500 than Fortune’s own lede: Change is everywhere in this year’s Global 500 – except at the very top. Walmart, with $500 billion in sales, ranks No. 1 for the fifth straight year on Fortune’s annual list of the world’s biggest companies ranked by revenue. Apple … Read more
This is a slightly edited version of my answer to the following question on Quora. Short Answer: Verification techniques range from “do nothing” and heuristics through to rigorous matching of returns filed by buyer and seller. Long Answer: I’ll first answer the question that’s asked by taking the stated use case where Party A (Individual) … Read more
Nine years after I wrote Changing Face of DIY Markets, it’s still not so easy to get carpenters, electricians and plumbers for doing small household repair and home improvement jobs in India. At the time, the matching of demand from consumers with supply of of handymen was quite inefficient, with most online portals offering only listing services. … Read more
Over the years I’ve bought a wide range of products and services from banks, insurers, etailers, colleges, publishers, brick-and-mortar stores, hardware and software companies, TELCOs, airlines and travel agencies. My experience as a customer ranges from delight (Ecommerce and Travel) through to exasperation (Higher Education, Media, and Retail) and indifference (BFSI, Technology and Telecom). Poor … Read more
When my employer posted me to Germany in the early 2000s to open its subsidiary for the so-called D-A-CH (German speaking) market of Europe, we had no reference customer in Germany. When prospects asked who we worked with, I’d rattle off the names of several American customers. Prospects would shake their head and ask for … Read more
Like many countries, India has a withholding tax regime. Called “Tax Deducted At Source”, the withholding tax is applicable on salaries paid to employees, commissions paid to agents, rents paid to landlords, professional fees paid to service providers, and many other types of B2B and B2C payments. In this blog post, I’ll dive deeply into … Read more
Many people complain that cashiers decline Apple Pay even though their stores have advertised support for Apple’s payment service. I’ve come across the same experience with HDFC Bank’s PayZapp mobile wallet. The cashier at a restaurant in my neighborhood told me they hadn’t started accepting PayZapp although there was a “PayZapp Accepted” sticker on his … Read more
This is a slightly edited version of my answer to the following Quora question: Usually, there are many apps in the market, the developer remains blissfully unaware of them, develops a similar app without being cognizant of the other apps, and then wonders what went wrong. Yours is the right question. It’s a pleasure answering … Read more
When an offshore IT services provider enters a new market, it’s (relatively) unknown in that geography. Many companies in this situation eschew end users and try to drive their go to market strategy by partnering with local IT companies. Ideal partner candidates are boutique shops and systems integrators that are well known in the target … Read more