ChatGPT Data Analysis – Objections v. Rebuttals

Between my two blog posts titled Using ChatGPT As A Data Analysis Assistant and Data Analysis By ChatGPT, I covered seven examples of data analysis via ChatGPT. Retail Format Price Comparison Stock Portfolio Prediction Tracker Pizza Coke Sales Correlation Marketing Campaign Strategy ETF Composition Is G7 Obsolete? ChatGPT And The Art Of Motorcar Maintenance Since … Read more

Season’s Greetings

Season’s Greetings & Best Wishes for a Happy New Year! Welcome back to GTM360 Blog. We published 48 posts last year. The Top 10 posts in 2024 were: #10. Make (Index) In India #9. Price Primer #8. Pune Metro – Third Impressions #7. Five Pricing Paradoxes #6. Future of Media #5. Why Media Can’t Be Neutral #4. The Fall … Read more

Debunking the “Hidden Cost” Myth: When Free Is Really Free

Whenever they hear that something is free, some find it fashionable to remark that “there’s no free lunch” or “you’re paying in a different way”. In other words, these people insinuate that there’s always a “hidden cost” behind free products and services. On the face of it, their counterpoint seems to be right. After all, … Read more

Why Do Banks Partner With Visa When They Can Create Their Own Credit Card?

(This post is a slightly edited version of my answer to the above Quora question.) Banks have created a plethora of products like checking account, savings account, mortgage, High Frequency Trading, Structured Finance Products, and so on. What’s one more? Therefore, the OP’s question prima facie makes a lot of sense. In fact, back in the … Read more

Will ChatGPT Kill Systems Of Record?

Klarna recently announced that it is shutting down Salesforce, Workday and other SAAS applications that it has been using for years. All of the reports that I could lay my hands on only state that the Swede BNPL major will replace the SAAS giants’ software with an inhouse “AI system”. In the absence of details … Read more

B2B Data Sharing By SAAS & AI: Whose Data Is It Anyway?

Regulatory mandates EU PSD2 in the European Union and Reg 1033 in USA have decreed that banking data belongs to consumers and stipulated that banks must let consumers access their master and transaction data and also that they must provide a convenient way for consumers to share their data with fintechs. I call this “B2C … Read more

Three Areas of Impact Of SaaS Repatriation

We did not reach a conclusion on the outlook for SaaS Repatriation at the end of  our previous blog post Will ChatGPT Kill SaaS?. But that doesn’t mean the fledgling trend won’t have any impact. (For the uninitiated, “SaaS Repatriation” is the new movement where companies stop using SAAS and develop the they functionality they … Read more

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