How Security Can Actually Increase Vulnerability

Security increases friction. That’s not news. I’ve myself written many blog posts – click here, here and here – on this perennial tradeoff involved in payments. However, I recently found a new security measure that actually creates new sources of vulnerability. Ironic but true. Since December 2013, India’s central bank RBI has made it mandatory … Read more

Shopper’s Stop – Loyalty Or Disloyalty Program?

Since I wrote Loyalty Or Disloyalty Programs? and Beware Of Losing Sales With Bad Loyalty Programs, a couple of companies have used mobile technologies in very innovative ways to design loyalty programs that truly foster loyalty. But Shopper’s Stop is not one among them. The pioneer of India’s organized retail industry recently introduced a mobile app variant of its … Read more

Three More Ways How Tech Can Help Banks Accelerate Legacy Transformation

In How Tech Can Help Banks Accelerate Legacy Transformation, I’d described three issues with open systems that hold banks back from migrating their legacy applications to open systems. Here are three more: #4. Sudden Loss of Functionality In this brilliant article titled When Product Features Disappear – Amazon, Apple and Tesla and the Troubled Future for … Read more

Increasing Sales-Marketing Alignment: Big Bang Doesn’t Work

Fixing the misalignment between Sales and Marketing is a challenge that probably harkens back to the inception of business itself. The 4.3 million results you’ll find when you Google for “Sales Marketing Alignment” speak to the humungous amount of chatter on this subject. On the other hand, there were merely 20 searches for this keyword … Read more

How A Small Problem In Mail Merge Led To A Big Lesson In Content Marketing

For close to two years, we’ve been sending out a periodic e-newsletter to our prospects, customers and business associates once a month. Even with this relatively low frequency, this newsletter has proved to be very effective for staying in touch with contacts and nurturing leads, among other things. As testimony, we recently signed a deal … Read more

Is The US “Closed Loop” Payments System Making Americans Less Creditworthy?

For several years, American travelers have been having a tough time trying to use their magstripe credit cards in EMV Europe. In India, as highlighted here, many ecommerce and bill payment websites have recently started refusing American credit cards. This is because these cards don’t have Mobile OTP, a two factor authentication mechanism that is now … Read more

Season’s Greetings!

Season’s Greetings and Best Wishes for a Happy and Prosperous New Year 2014. We’re happy to share the following highlights of 2013: Our Location Based Task Reminder app LBTR360 made it to the Computerworld Top 100 Android Apps list We released the QR360 Framework that provides QR code best practices. While we have a vested interest in this … Read more

To Personalize Or Not To Personalize Is The Question

Personalization has always been a hot topic since the dawn of the Internet. It has been garnering greater interest lately as recent advances in HTML5, Big Data and Mobility technologies have raised the ability of brands to improve timeliness and relevance of their customer engagement efforts to the next level. News, social updates, color scheme, … Read more