Official Blog of GTM360 Marketing Solutions
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
A turn-by-turn navigation system is a combination of hardware and software that provides an automobile driver with one or more motorable routes between Point A and Point B on the surface of the earth. Sold as a dedicated satnav system or as an integral part of a smartphone, it comprises the following building blocks: GPS. … Read more
This is a slightly edited version of my answer to the following question on Quora: I had a similar experience recently. I scanned the Merchant’s QR code at a restaurant with my PayTM app. PayTM asked me to link my bank account to complete the payment via UPI. I refused to do so because I wanted … Read more
The Co-Founder of Druva, the Pune-based cloud data protection software provider, once narrated the story of how his company broke into NASA. Its sales team was pursuing the prestigious American space administration agency for months with the usual sales approach spanning demo, proof-of-concepts, requirement study, and so on, but didn’t get much joy. Apparently, the … Read more
When I was in Germany in the early 2000s, all my questions about distance would receive answers in terms of time. That too, under two conditions, namely, without traffic and with traffic. For example, if I asked a customer, “how far is your office from Munich airport”, the typical answer would be, “one and a … Read more