Official Blog of GTM360 Marketing Solutions
Let’s take the following two statements: Indians are obsessed over security Indians make payments without entering any password. Each of these statements is a fact. But, taken together, they appear contradictory and portray Indian consumers as fickle (or worse). Not true. In this blog post, I’ll use the principles of Customer Journey Mapping to explain why these … Read more
There are two styles of testing in corporate and academic assessments: Subjective / Descriptive: The test has a question and the test taker – “assessee” in Learning & Assessment Management System-speak – writes their answer on a piece of paper in the case of offline assessment or types their answer into a form in the case of … Read more
India’s central bank-cum-banking regulator Reserve Bank of India relaxed the two factor authentication mandate for instore card payments below INR 2000 (~US$30). This means that you can pay with credit or debit card at a store without entering a PIN for purchases below INR 2000. Ever since that announcement was made, card issuers and acquirers … Read more
This is a slightly edited version of my answer to the following question on Quora. Short Answer: Verification techniques range from “do nothing” and heuristics through to rigorous matching of returns filed by buyer and seller. Long Answer: I’ll first answer the question that’s asked by taking the stated use case where Party A (Individual) … Read more
Nine years after I wrote Changing Face of DIY Markets, it’s still not so easy to get carpenters, electricians and plumbers for doing small household repair and home improvement jobs in India. At the time, the matching of demand from consumers with supply of of handymen was quite inefficient, with most online portals offering only listing services. … Read more
When my employer posted me to Germany in the early 2000s to open its subsidiary for the so-called D-A-CH (German speaking) market of Europe, we had no reference customer in Germany. When prospects asked who we worked with, I’d rattle off the names of several American customers. Prospects would shake their head and ask for … Read more
Like many countries, India has a withholding tax regime. Called “Tax Deducted At Source”, the withholding tax is applicable on salaries paid to employees, commissions paid to agents, rents paid to landlords, professional fees paid to service providers, and many other types of B2B and B2C payments. In this blog post, I’ll dive deeply into … Read more
This is a slightly edited version of my answer to the following Quora question: Usually, there are many apps in the market, the developer remains blissfully unaware of them, develops a similar app without being cognizant of the other apps, and then wonders what went wrong. Yours is the right question. It’s a pleasure answering … Read more
My friend who works in a leading IT multinational corporation tells me that an email sent from the second floor to the third floor of his office building in Bangalore actually goes via the company’s regional mail server in Sydney, Australia. When they hear this, many people gasp “Whaaaat?” But, apart from that momentary reaction, … Read more
Targeted offers have become famous. That’s not to say they’ve become popular – brand managers report low conversion rates of offers made to offers redeemed. There are many reasons for this problem such as the ones I covered in Walking The Tightrope Between Driving Repeat Purchase And Rewarding Loyalty and How To Fulfill Targeted Offers To … Read more