Official Blog of GTM360 Marketing Solutions
Ketharaman Swaminathan 
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
Media, OTT, SaaS and other recurring-revenue businesses generate revenues from subscriptions funded by credit card- (or debit card-) based standing instructions that automatically charge the cardholder’s account every month. As their consumer, if you want to stop a subscription, you’d want to click a cancel button on their website or app and be done with … Read more
In Bills And Statements Are Hard To Decipher, we noted that it was very hard to read bills and statements from banks, ecommerce companies, retailers and other industries. We took two examples and did a deep dive to understand the full extent of the indecipherability problem: Ecommerce Bill Bank Statement In this post, we will … Read more
Here’s our latest success story: eBill Vendor Increases Upsells And Improves Win-Rates “QRcomaniacs” reinforce vendor’s thought leadership positioning Our customer is a leading provider of eBilling and eStatment solutions to telecom, banking, insurance, utilities and other industries. Apart from the basic details of consumer, amount and deadline, eBills generated by the software carried instructions on … Read more
(This is a commentary on how shortselling works and not a guide to carry out shortselling.) I recently posted the following update on social media: @s_ketharaman: Startup Idea: Hindenburg Research of India. Conduct research in India. Launch hit jobs on foreign companies. 10% of large publicly traded firms in USA allegedly commit securities fraud, so … Read more
According to RBI Emandate: Every credit card and debit card based mandate for recurring payment and auto debit (“Standing Instruction”) will need to be re-initiated by the merchant in accordance with the new rules (henceforth “RegEM”), and processed by the issuer bank differently from before. RegEM, which came into effect from 1 October 2021, stipulated … Read more