Official Blog of GTM360 Marketing Solutions
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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
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
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
In Will ChatGPT Kill SaaS?, I coined the term SaaS Repatriation to describe the nascent practice of enterprises shutting down their SaaS products and developing AI systems inhouse using ChatGPT, GitHub Copilot, and Replit. This is like the good old custom development of software, just built by these three popular AI coding copilots rather than … Read more
People don’t want to buy subscriptions just to read the one odd article. But they’re happy to pay 10 cents or 10 rupees to read an individual article in their favorite publications. UPI and other A2A RTP methods of payments now make it easy to make such small value payments. Still per article sales is … Read more
To: editet@timesgroup.com Subject: India’s Gotta Reset & Dance | Letter to the Editor Dear Editor of Economic Times: This has reference to the op-ed titled “India’s Gotta Reset & Dance” by T K Arun in today’s edition of Economic Times. Nobody denies the benefits of R&D. The only questions in the context of India are … Read more
When I want to direct you to a webpage, I simply send you a link to that page, you click it and land on that webpage. Mission accomplished! But what if I want to draw your attention to a specific passage on that page? Sending the link to the page won’t work since that will … Read more
The public discourse has expanded beyond whether ChatGPT will kill coders to the existential threat now posed by Generative Artificial Intelligence platforms to SAAS software. According to the proponents of this narrative: Companies will stop using SAAS and develop the required functionality with GenAI code development platforms. This is like the good old custom development … Read more
I recently read the following post on Twitter: @sudomax: Who would have thought connecting disparate APIs would have been so successful. The OP is referring to Zapier, which automates workflows by connecting APIs between different systems. Its $4 billion valuation is a good measure of how successful it has been. MuleSoft is another very successful … Read more
In From raw data to real profits: A primer for building a thriving data business, McKinsey proposes the so-called DIKW model for Data Product vendors where: D is Data I is Information K is Knowledge W is Wisdom For the uninitiated, the largest consulting firm in the world defines “data product” as follows: What is … Read more