Official Blog of GTM360 Marketing Solutions
(This post is a slightly edited version of my answer to the above Quora question.) Question: Has UPI Disrupted Credit Card? Short Answer: No. UPI has boosted credit card. Long Answer: According to the theory of Disruptive Innovation by Late Professor Clayton M. Christensen of Harvard Business School, many giant incumbents face The Innovator’s Dilemma and … Read more
I got my first credit card in 1988. I’ve been using credit card as my go-to method of payment since then. I also headed up the retail payments line of business at an old company. Safe to say that I’ve been tracking the credit card industry for close to four decades. I’m fascinated by the … Read more
I have been asked many times to explain the difference between AI Agent and RPA. That’s not strictly true. I’ve been asked only twice, most recently by an automated bot on X fka Twitter (see footnote 1). Since two is more than zero, here goes. Like cron, scripting, and RPA (Robot Process Automation), Agentic AI … Read more
In a recent article in the mainstream media, Mitesh Agarwal, director, customer engineering at Google Cloud, declared: Unlike other countries, India is a voice first market. I found his observation a bit strange. Because it’s exactly the opposite of my observations on multiple occasions: People make heavy use of voicemail in USA, Germany, and UK. … Read more
A company that invests in ERP stands to gain from higher inventory turns, lower DSO, etc. Benefits of enterprise software are generally of the nature of increase in income and / or reduction in expense. To calculate the ROI of its investment, the company would add up the dollar value of the total benefits and … Read more
People started complaining about the decline in quality of Google Search around a decade ago. Accordingly, many pundits predicted the demise of Google Search in the then near future. But, for reasons I speculated in my blog post entitled The End Of Google Search Is Not Nigh, it did not happen. Then came ChatGPT at … Read more
When you get off at London Heathrow airport (LHR), you can reach the Heathrow Tube stations without going to the street level. Without leaving the building of Frankfurt Airport (FRA), you can not only reach the Airport (Flughafen) Station of the intracity S-Bahn public transport network but also of the intercity long distance rail network. … Read more
I’ve written many times about how ChatGPT has turned many things in my long pending wish lists to reality e.g. responsive design website, data miner, semantic search. Let me add Explainer Video to that list. I’ve been trying to make an explainer video for my company for a while. The best-in-class video production agencies in … Read more
I recently covered the primary issues related to the ban of UPI by small merchants: Do small merchants make so much money? Why refuse UPI? Why avoid GST? Are small merchants evading GST? What about Income Tax? In this blog post, I’ll explore some secondary issues. For the sake of completeness, I’ll continue with the … Read more
When you touch a hot plate, you’ll reflexively withdraw your hand and douse it in a bucket of ice to escape the hot burn. However, if you dunk your hand in ice without having touched a hot plate, you can get a frostbite. Likewise, a guy who bought a stock based on tips from a … Read more