Ketharaman Swaminathan

Whither Cross Selling & Upselling With eBills & eStatements?

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For a long time, I’ve been hearing about how electronic bill presentment and payment (EBPP) solutions enable billers to do more cross-selling and upselling. For the uninitiated, EBPP, among other things, generates paperless versions of bills and statements and publishes them on portals or emails them as PDF attachments, or both; the term “billers” collectively … Read more

Pushing The Envelope On Technology – Part 2

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In Part 1 of this blog post, I had lauded ICICI Bank for pushing the envelope on adopting cutting edge banking technologies by launching a Facebook App and Online Account Opening offering. In this Part 2, let me share the results of my personal experience with these initiatives and voice a few concerns around their … Read more

Launching GTM360 Mobility Solutions

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We’re pleased to launchGTM360 Mobility Solutions. This new line of business focuses on design, development and support of Android apps that are functionally-rich and call for superior user experience. Our areas of specialization include location based (LBS) apps, QR codes and apps centered around sales and marketing. In an already crowded space, we believe we … Read more

Say Goodbye To Leakages & Delays In Handling Leads

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Good news for banks, e-commerce, insurers, IT, universities and other organizations who generate a large volume of leads from their website. The new “Rocket Routing” feature of our EMAIL360 website leadgen application automatically routes leads for different products and services to different people in these companies – and, that too, in realtime. With EMAIL360, sales and … Read more

Pushing The Envelope On Technology – Part 1

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Banks have the opportunity to cut costs and enhance customer experience by adopting mobile, social media and other cutting edge technologies. However, most of them drag their feet on being innovative, often citing security concerns, regulatory constraints, and so on. For example, statutory KYC requirements precluding 100% online and automated account opening by forcing banks … Read more

Why Overcoming The Tyranny Of Excel Is A Bad GTM Theme

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Time and again, we come across companies who position their software around the GTM theme of “overcoming the tyranny of Excel”. Recent examples include developers of a business activity monitoring (BAM) platform and a mobile secondary sales application. It is true that Excel-intensive environments are generally fraught with indiscipline and duplication of efforts. Therefore, the … Read more

Use Marketable Items To Provide Targeted Solutions

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At the NASSCOM Leadership Summit currently underway in Mumbai, India, the CIO of a leading American company advises Indian IT companies to “come up with targeted solutions for clients’ problems rather than putting a whole lot of effort into a generic sales approach”. Marketable Items created by GTM360 help IT product and services companies to do exactly that. … Read more

Why Pay For Content When You Can Get It For Free?

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As I’d pointed out in this blog post a couple of years ago, just because micropayments support convenient ways to pay for digital content doesn’t necessarily mean that people will pay for it. People will pay for content only if they can’t get it for free easily and when they find enough value in it worth paying … Read more