Robot Journalist Steps Out of My Imagination And Enters The Real World

In my blog post entitled Future Of Media, I’d daydreamed about a robot journalist: My imaginary Robot Journalist (RoJo) is equipped with a camera, sensors, and an LLM (Large Language Model), and is dropped in the middle of warzone or any other theater of action. The camera and sensors will gather unlimited inputs from Ground Zero. The … Read more

Five Reasons Why UPI Has Not Disrupted Credit Card

(This post is a slightly edited version of my answer to the above Quora question.) Question: Has UPI Disrupted Credit Card? Short Answer: No. UPI has boosted credit card. Long Answer: According to the theory of Disruptive Innovation by Late Professor Clayton M. Christensen of Harvard Business School, many giant incumbents face The Innovator’s Dilemma and … Read more

Unpacking The Credit Card Boom In India

I got my first credit card in 1988. I’ve been using credit card as my go-to method of payment since then. I also headed up the retail payments line of business at an old company. Safe to say that I’ve been tracking the credit card industry for close to four decades. I’m fascinated by the … Read more

Inventing A Strategic Enemy To Create Revolutionary Brands

In his oped entitled Abey, Get a Strategic Enemy! in the Economic Times dated 2 October 2025, M Muneer proposes what I call the Strategic Enemy playbook to create revolutionary brands. Strategic Enemy Playbook Brands seeking improvement often disappear. Brand growth needs differentiation by enemy. The human mind recognizes opposition, not superiority. American brands Liquid … Read more

Why Foreign Exporters And American Importers Are Paying Trump Tariffs

“When President Trump announced sweeping tariffs in April, economists predicted surging inflation and raised the odds of a recession. Those worries now seem overblown.” ~ How the U.S. Economy Has Defied Doomsday Predictions on Tariffs, Wall Street Journal. I’d predicted this in my previous blog posts on Trump Tariffs (see RELATED READING at the end). … Read more

Early Sightings Of AI Voice Agent Technology

In a recent article in the mainstream media, Mitesh Agarwal, director, customer engineering at Google Cloud, declared: Unlike other countries, India is a voice first market. I found his observation a bit strange. Because it’s exactly the opposite of my observations on multiple occasions: People make heavy use of voicemail in USA, Germany, and UK. … Read more

Trump Tariffs: Who Is Paying How Much?

Ever since Donald Trump started talking about tariffs (1988) and first imposed tariffs (2018), the mainstream media has been parroting the pedantic economics theory that tariffs is a form of tax on US consumers. When Trump reiterated his intention last year to impose tariffs if he was elected the President of the United States, MSM … Read more

ROI For Customer ≠ ROI For Investor

A company that invests in ERP stands to gain from higher inventory turns, lower DSO, etc. Benefits of enterprise software are generally of the nature of increase in income and / or reduction in expense. To calculate the ROI of its investment, the company would add up the dollar value of the total benefits and … Read more