Killing The Six Deadly CX Killers

Over the years I’ve bought a wide range of products and services from banks, insurers, etailers, colleges, publishers, brick-and-mortar stores, hardware and software companies, TELCOs, airlines and travel agencies. My experience as a customer ranges from delight (Ecommerce and Travel) through to exasperation (Higher Education, Media, and Retail) and indifference (BFSI, Technology and Telecom). Poor … Read more

How To Make Your Product 10X Better

This is a slightly edited version of my answer to the following Quora question: Usually, there are many apps in the market, the developer remains blissfully unaware of them, develops a similar app without being cognizant of the other apps, and then wonders what went wrong. Yours is the right question. It’s a pleasure answering … Read more

Dunzo Gets The Job Done

My friend who works in a leading IT multinational corporation tells me that an email sent from the second floor to the third floor of his office building in Bangalore actually goes via the company’s regional mail server in Sydney, Australia. When they hear this, many people gasp “Whaaaat?” But, apart from that momentary reaction, … Read more

AI In UI – Low Hanging Fruit For Slashing SAAS Churn Rate

SAAS users experience frequent UI changes. The sales order button suddenly moves from top left to bottom right of the screen. The funnel report disappears from the splash screen. I could go on and on but the point is, frequent changes in UI drain productivity and escalate training costs. Beyond a certain extent, they might … Read more

Rideshare: Exhibit A For New Age Digital Business

In How Rideshare Startups Flipped A Switch To Create A Billion Dollar Business Overnight, I shared my thoughts on how rideshare startups have gone against common wisdom in many areas and used digital – aka SMAC (Social-Mobile-Analytics-Cloud) –  technologies to create a billion dollar business virtually overnight. But it’s more than just technology. Before I elaborate, let … Read more

PSA: Insist On Receipt When You Pay By NEFT, UPI, FPS Etc.

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

What Happens To KYC Documents After We Submit Them To Banks?

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

PayTM Decimates Trust With A Single #FeatureOrBug

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

Flight Delay Insurance – Why Blockchain?

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