Official Blog of GTM360 Marketing Solutions
Ever since Open Banking was launched in January, the media has gone on an overdrive, warning bank customers about data breaches and urging them to be cautious about sharing their data with TPPs (Third Party Providers). Fintech thought leader Chris Skinner accused the media of kissing “the banks’ backsides”. But it’s not as though the media … Read more
When you pay someone, you expect to get a receipt for the payment. Especially when that “someone” is a business. Receipt – or “proof of receipt of payment” – must be issued by the Payee / Merchant so that you can use it to independently prove that the Payee / Merchant has received your money. … Read more
A banker quit his job and started a new company. He applied for a debit card for his company. Ram, as we’ll call the ex-banker, completed the required forms, submitted his company’s board resolution for the debit card and handed over copies of his company’s incorporation certificate, articles of association, and all the other documents … Read more
As soon as my daughter was born, I opened a bank account in her name. As a minor, her account was held jointly in her parents’ name all these years. My daughter turned 18 recently. I went to the bank to change the account status to “major” and apply for a credit card in her … Read more
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
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
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
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
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
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