Official Blog of GTM360 Marketing Solutions
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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
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
Data analysis is not the first thing that comes to mind when you think of a language model – large or small – but ChatGPT happens to be quite good at it. During the past year, I turned to ChatGPT several times for help with analyzing data. In this post, I’ll give three examples of … Read more
(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
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”. (see update at the end … Read more
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