Two Ways To Boost The Adoption Of UPI Lite

A couple of years ago, ET Prime reported that core banking systems (CBS) at Indian banks were creaking under the load of burgeoning UPI volumes. Being an account to account realtime method of payment (A2A RTP MOP), every UPI transaction pings the CBS of the payor’s  bank. Suppose a payor (aka remitter) spends a total … Read more

Safety Of Money: Bank v. Neobank

Fintech Mafia Carousel Pumping is the circular shilling of one another’s financial products and services by a bunch of fintech founders with least regard for truth or consumer interest. I recently came across the following exhibit of Fintech Mafia Carousel Pumping on LinkedIn. Why do some of us trust Barclays or Bank of America more … Read more

Five Ways To Repel Customers

On a marketing blog, you’d be expecting to read about five (or more) ways to attract customers. After seeing the title of this post, if you’re wondering whether you’ve landed up on an anti-marketing phishing site, worry not. This is indeed GTM360 Blog. To attract customers, you need to repel customers. Why? No product can … Read more

Six Sharp Practices Followed By New Age Startups

Here are six sharp practices followed by new age startups: #1. REDBUS This bus ticket aggregator buys five seats in a bus with 45 seats. When four out of these five seats are booked on its app / website, RedBus flashes a warning saying “only one seat left”. I heard this directly from the horse’s … Read more

Zepto Becomes The First Quick Commerce Unicorn

Zepto just became the first unicorn in the Quick Commerce space. Zepto, an India-based grocery delivery company, secured a $200 million Series E at a $1.4 billion valuation in a deal led by Stepstone Group. – Axios Pro. Compared to UDAAN and a couple of other startups that became unicorns in six months or so, … Read more

Unpacking “Embedded Finance” From Consumer POV

Whenever a new term enters the hype cycle, it’s fashionable for people to bandy it about all the time, sometimes correctly but most of the time loosely. Embedded Finance is one such term. In this post, we will unpack the term, specifically from the consumer point-of-view. A consumer goods retailer in India offered installment purchase … Read more

Musk Twitter Will Take Per Article Sales To The Next Level

In Why Publishers Don’t Sell Individual Articles, we saw how readers want à la carte (buy individual articles) but publishers offer only buffet (all-you-can-eat subscriptions). (While this post can be read independently, it will make more sense after reading the previous post.) Of late, some publishers are not even offering one-month subscriptions. Either their minimum … Read more

Why Publishers Don’t Sell Individual Articles

When it comes to per article sales, everybody points to ready demand, takes supply for granted, and focuses on the fulfilment, mainly micropayments. This has been going on for years during which many micropayments have come and gone, demand has skyrocketed as more and more media outlets have put their content behind paywalls, but per … Read more

Utilities: New Source Of Subscription Trap

Media, OTT, SaaS and other recurring-revenue businesses generate revenues from subscriptions funded by credit card- (or debit card-) based standing instructions that automatically charge the cardholder’s account every month. As their consumer, if you want to stop a subscription, you’d want to click a cancel button on their website or app and be done with … Read more