Official Blog of GTM360 Marketing Solutions
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
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
Most statements about behavior of Millennials are true for all people when they were 25 years old, regardless of whether they really belong to the generation called Millennials (defined as born between 1995-2005) or some other generation like Gen X, Boomers or Gen Z. Let’s take one oft-quoted behavior: Millennials prefer renting to owning houses. … Read more
There are many situations when there’s no fraud but consumers feel defrauded. For example: Price of a certain item is €225 at the outlet of a chain store in a certain zip code and €265 at another outlet of the same chain store in the adjacent zip code. (Real life example in Frankfurt with a … Read more
Any digital payment goes through a long and tortuous value chain comprising multiple entities. If we take credit card as an example, the entities include Consumer (e.g. You), Merchant (e.g. Amazon, DMART), Issuer (the bank that issues the card and enables the Consumer to make card payments e.g. Citi), Acquirer (the bank that supplies the … Read more
Top 6 US banks posted a trillion dollars in profits in the last 10 years. "Top 6 Banks In USA Earn $1 Trillion In Profits In Last 10 Years" ~ https://t.co/coy2mSvu3C via @maxabelson @business .That's the same period when fintech was supposed to disrupt dinosaur banks. #Disruption #Shisruption #Banking #FinServ pic.twitter.com/kjZfCkqSbC — Ketharaman Swaminathan (@s_ketharaman) … Read more
Of late, there’s a lot of concern in the public discourse that India is becoming a digital colony of the West. If this concern is valid, we have ourselves to blame for letting India become a digital colony. What’s worse, we’ve been doing this for ages and never seem to learn from past mistakes. I … Read more
I put several hotel rooms on my credit card one month. The next month, I get a “30% OFF” coupon from AirBnB for staying at one of its properties the next time. My first reaction is that my credit card company has “sold” my personal data to AirBnb. Ditto when I Talk about a brand … Read more
Credit Card and Debit Card are both “cards”. Both are digital payment methods. Both are issued by banks. Both of them work on card rails owned by Visa, MasterCard, China Union Pay, RuPay and other card networks. Because of these similarities, many people tend to believe that there’s no difference between credit and debit cards. … Read more
With a steady fall in GDP growth rate during the last five quarters, there’s a near unanimous verdict that the Indian economy is going through a slowdown. Most experts agree that the fundamental cause of the slowdown is insufficient consumption. I agree with both views. But I differ about the reasons advanced to explain the … Read more