Official Blog of GTM360 Marketing Solutions
I’ve written before on Artificial Intelligence in User Interface of websites and apps. This post is about a related topic: Artificial Intelligence in User Experience. For the unintiated, User Interface, User Experience and Customer Experience are not the same. UI: Nice-looking form.UX: Do we need the form?CX: Enhance customer journey in and out of the … Read more
We ended Banks Have Not Lost The UPI Plot on a sobering note: Sadly, interoperability has been given the short shrift in the way UPI has evolved. In this post, we’ll see how interoperability has lost the UPI plot. One of the founding principles of UPI is “interoperability”, which stipulates that anyone with any UPI app … Read more
Every month, when I pay my credit card bills, I sigh to myself “if only there was a way to pay this bill with another credit card and earn rewards…”. Others are more vocal with their wish. See Why can’t I pay my credit card bill with another credit card?. As a credit cardholder, I … Read more
The common man hears about Google Pay, PhonePe and PayTM while making UPI payments – rather than State Bank of India, HDFC Bank or ICICI Bank. Ergo there’s a widespread belief that banks have lost the UPI plot. Take this tweet for example: The statement on NEFT with stanchart applies to the HDFC as well. … Read more
Every time a shiny new fintech product or service enters the market, finsurgents immediately predict the death of traditional banks. But traditional banks always go laughing all the way to the – ahem – bank. We saw this when mobile wallets were the rage 8-10 years ago. Finsurgents predicted that they’d kill credit cards. Didn’t … Read more
I have been asked many times if I will use WhatsApp after its new privacy policy comes into effect in February. That’s not strictly true. I’ve been asked only once. Most recently by a woman on Twitter. So you will continue to use Whatsapp after February? Is that what you are saying? Monopoly means greater … Read more
In Don’t Go Global Without Cracking The Value Proposition For Foreign Markets, I’d unpacked the dangers of taking your product global before cracking its value proposition for foreign markets. I’d taken the example of UPI in that post. Now, I’ll take RuPay, another product from UPI-owner NPCI. For the uninitiated, RuPay is a homegrown payment card … Read more
It’s fashionable to dunk on Excel and Access in many quarters. Take The Register for example. It blames Excel for under-reporting 16,000 Covid-19 cases in What a Hancock-up: Excel spreadsheet blunder blamed after England under-reports 16,000 COVID-19 cases, and Access for inventory discrepancies in Excel is for amateurs. To properly screw things up, those same … Read more
I concluded in Why Banks Will Never Catch Up With Fintechs On UX that Banks will arguably not be able to catch up with Fintechs in terms of the User Experience of their websites and apps. (Definition of Bank and Fintech, and the difference between the two, are explained in my glossary here.) That post was … Read more
In Want v. Like: Decoding The Eternal Disconnect In Consumer Behavior, we saw a couple of examples of the eternal disconnect between what consumers say they want and what they actually like. We also speculated on the root cause of this conflict. In this follow on post, we’ll examine the implications of the want-versus-like disconnect … Read more