Three Reasons Why Companies Don’t Behave Like Individuals

Since companies comprise individuals, many people believe that companies and individuals will behave in an identical manner under the same situation. I disagree. There’s a big disconnect in the behavior of individuals versus companies. I can think of at least three reasons for this disconnect: Fiduciary responsibility Market cap Emotion #1. FIDUCIARY RESPONSIBILITY Let me … Read more

Consent Dilemma – Have You Given It Or Not?

The Netflix show Social Dilemma has rekindled the eternal controversy over privacy, tracking, and manipulation by digital companies. As consumers, many of us outrage at brands for using our private information to target us with personalized communications, ads and targeted offers. In this post, I’m going to go out on a limb and argue that … Read more

How RuPay Can Disrupt Visa And MasterCard

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

Don’t Go Global Without Cracking The Value Proposition For Foreign Markets

We regularly come across founders of software companies who have achieved a certain degree of success in India and now wish to take their product global. This is a perfectly sensible strategy because overseas markets are extremely lucrative. But many of these “export initiatives” flounder. Because what works here does not work there. UPI is … Read more

How Brands Can Leverage The Eternal Disconnect Between Want & Like

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

Want v. Like: Decoding The Eternal Disconnect In Consumer Behavior

Consumers tell you in surveys and focus group studies what features they want in your product. You build a product with those features. Consumers don’t like them. Your product bombs. In consumer behavior, there’s often a disconnect between what consumers say they want and what they actually like. In Why Do People Obsess Over Security … Read more

All Payments Are Not Equal – Retail Payments Primer

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

Is Scalability A Bogey Created By Hardware Industry?

A friend recently asked me the following question via Twitter: @s_ketharaman Thoughts? I am not so sure since infra is still not scaling. https://t.co/vDi1zHZynB — Gopinath Pandalai (@gopibella) April 28, 2020 I read the linked HBR article on Blockchain technologies and replied as follows: Many mobile payments use cases I never thought could go digital … Read more

Remote Working Funny Incident

According to The Register article entitled New York Attorney General probes Charter over claims it forced staff to work in offices amid coronavirus pandemic, US telco Charter Communications is facing an investigation … over allegations … that it forced employees in New York to go into their offices for work, rather than (letting) them … … Read more