PayTM Decimates Trust With A Single #FeatureOrBug

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 … Read more

Flight Delay Insurance – Why Blockchain?

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 of the above two posts: … Read more

Feature Or Bug – Housing, LinkedIn, Starbucks, Et Al

In Feature Or Bug – Facebook & Tideplus, we saw two cases of #FeatureOrBug, one of which was favorable to the consumer, and the other, neutral. I’ve subsequently come across many more favorable / neutral cases of #FeatureOrBug. I thought I’ll cover them before fulfilling the promise I made at the end of the last post to … Read more

Atlas Etherisc – Another New Kid On The Blockchain

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. … Read more

Is There Any Indian App To Store Your Indian Loyalty Cards Digitally?

I recently read the following question on Quora: Is there any app that helps to store all your loyalty cards digitally? I am looking for an app which is India based or atleast caters to the Indian market. Someone once said that, on Quora, you answer the question that’s asked, the question that’s not asked, … Read more

AXA Fizzy – The New Kid On The Blockchain

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 Blockchain companies … Read more

Lessons For Marketing From Spectacular Comeback Of QR Codes Via Mobile Payments

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 … Read more

A Killer Feature For PFM On The Eve Of PSD2

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 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 is disproportionately low compared … Read more