#CashlessIndia – Why Putting Cart Before Horse Will Work

On the back of the demonetization of high value currency notes in India, the government has been aggressively pushing cashless payments. Trending on Twitter under the hashtag #CashlessIndia, the initiative has attracted criticism from the blogosphere and mainstream media on the grounds that India is not yet ready for digital payments. The average urban business-sensitive … Read more

Yaay I’m In The Latest Financial Services Content Royalty List!

I’m happy to announce that I have been named to The Royalty of Insightful Financial Services Content list. Compiled by Bryan Clagett, CMO & Investor in Geezeo, a proven white-label PFM provider for banks and credit unions, this list places me in the august company of Ron Shevlin, Jim Marous, Stessa Cohen, Brett King, Chris … Read more

Tighter Enforcement & Greater Empowerment Of NPCI Are Key To Slashing Digital Payment Costs

In a recent editorial titled “How To Reduce Card Interchange Charges”, Economic Times advocates a combination of subsidy and competition to reduce merchant fees for accepting card payments. In case you missed it, the government of India has been aggressively pushing cashless payments recently after it demonetized the INR 500 and 1000 notes (and announced plans … Read more

Overcoming The Space Time Challenge in CEM

In Omnichannel Couponing Drives CEM Success – Part 1, I’d highlighted the space challenge in the couponing phase of a CEM program. To recap, this comprises issues that range from where to insert the code and how to make the code large enough to be visible but small enough to fit on the existing package … Read more

How To Replace Excel For Collecting Master Data For Your SAAS

In Why Overcoming The Tyranny Of Excel Is A Lousy Positioning Theme, we’d cautioned software companies from pitching their software as a replacement for Excel. Since then, we’re happy to see more innovative positioning around Excel by technology providers. For example, BI vendor Domo pitches its suite of data visualization products as complementary to – … Read more

PSA: Don’t Get Defensive About Not Going Cashless

The Indian government recently demonetized the INR 500 and 1000 notes and announced plans to introduce new design notes in INR 500, 1000 and 2000 denomination. In the wake of this move – trending on Twitter as #CurrencySwitch among other hashtags – many people have been asking why India hasn’t taken this opportunity to go … Read more

Do You Face Online Jingoism? I Do

The Internet is full of jibes on people’s nationalities. They appear on articles, blogs, reviews and comments. Often sarcastic and sometimes venomous, they run down the author’s or commenter’s nationality without any provocation. Let me quote a few examples of such remarks.  (A) BLOG The Finextra article titled Brits expect cashless society within 20 years is … Read more