Official Blog of GTM360 Marketing Solutions
There are two styles of testing in corporate and academic assessments: Subjective / Descriptive: The test has a question and the test taker – “assessee” in Learning & Assessment Management System-speak – writes their answer on a piece of paper in the case of offline assessment or types their answer into a form in the case of … Read more
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
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
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
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
My friend who works in a leading IT multinational corporation tells me that an email sent from the second floor to the third floor of his office building in Bangalore actually goes via the company’s regional mail server in Sydney, Australia. When they hear this, many people gasp “Whaaaat?” But, apart from that momentary reaction, … Read more
We come across the “Go Wide or Go Deep?” question regularly in our outsourced product management engagements. (Should the term “outsourced product management” intrigue you, see Who The Heck Outsources Product Management?). Let’s take a typical scenario: An IT company has developed a technology platform without reference to any specific segment. The going in position of … Read more
I recently saw the following post on LinkedIn: “95% of banks in the study have created innovation labs.” This figure seemed extremely high to me. I did a quick-and-dirty survey of three banks in my circle. Not one of them has an innovation lab. Nevertheless, I didn’t conclude that the author of the post was … Read more