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Ketharaman Swaminathan

Founder and CEO
GTM360 Marketing Solutions
Member since
17 Apr 2009
Location
Pune
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Followed by John Sims, Martha Boyle and 5 others you follow

Bio

As Founder and CEO, S. Ketharaman provides overall direction and leadership toward setting and achievement of GTM360's goals and objectives.

Experience

Founder and CEO
GTM360 Marketing Solutions
To Present
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Latest opinions

Ketharaman Swaminathan

Rising Friction In Banking - Part 1

I once argued that Banks Will Never Catch Up With The Frictionless UX Of Fintechs. Since then, I've seen some improvements in the user experience of banking apps. My go-to Payment app now has a four digit PIN (down from six digits) Stock trading app keeps me logged in the whole day (instead of logging me out after five minutes of inactivity) Netb...

21 May 2025

Ketharaman Swaminathan

DeepSeek - Engineering Innovation Or Financial Jugglery?

When consumers are asked to pay for some product or service, they think twice about whether to consume it. There's a cognitive overhead in all decisions but the one involved in micropayments is acute because it's more mentally taxing to decide whether or not to spend, say, $0.10 to read an article than the $0.10 itself. Ergo, as Byrne Hobart notes ...

06 February 2025

Ketharaman Swaminathan

Unveiling What Merchants And Banks Learn About You When You Tap Your Credit Card

Among others, the credit card value chain comprises the following entities: Consumer (aka Customer, Cardholder), who uses the credit card to pay for the purchase Merchant (aka Store, Retailer), who sells what the consumer purchases Issuer Bank, which issues the credit card to the consumer Acquirer Bank, which issues the POS terminal and Merchant ...

11 November 2024

See all 155 opinions by Ketharaman

Latest comments

JP Morgan to charge fintechs for customer data

Kudos to JPMC. As I've been saying for a long time, banking data is the exhaust of customers' transactions with a bank and does not belong exclusively to the customer. Open Banking forced banks to hand it over to fintechs and, that too, for free. There are no similar laws compelling companies in other industries to hand over their data exhausts to third parties - either for free or at a price. I see no reason why it should be any different in the banking industry. Now that JPMC has shown the way to fight this injustice, I'm guessing other banks will follow suit.

15 Jul 2025 11:26 Read comment

The Jane Street India Scandal Is a Wake-Up Call – No Matter the Outcome

"Whatever the final ruling, the lesson is clear: we need to rebuild trust in trading."

I doubt if that's the lesson at all.

For over two years, SEBI has been warning market participants that 89% of Indian retail traders lose money, still F&O volumes in India have only gone up. That rules out trust deficit. On the contrary, punters's trust in their own ability to outwit titans of Wall Street and Dalal Street has only risen. I've heard some of them say, "Oh, Jane Street Shane Street and all is only USA, it won't work in India". 

Not sure what's the real lesson from this scandal but it surely has nothing to do with rebuilding trust.

10 Jul 2025 12:23 Read comment

Over half of people who have acted on social media financial advice have lost money

"As a consequence, over half (55%) of those who acted on advice lost money as a result."

That means 45% gained money. To me, that doesn't seem to be bad at all. But that's only me.  

If Registered Investment Advisors are, say, 2X as good as finfluencers, then 90% (being 2*45%) of their clients should make money and the regulator should announce the same penalty on them for any profit rate than that. 

Deal?

10 Jul 2025 11:51 Read comment

See all 4697 comments by Ketharaman

Ketharaman writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • retail banking
  • wholesale banking
  • cloud
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  • financial crime
  • covid-19
  • predictions

Ketharaman's opinion archive

  • 2025 (2)
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  • 2011 (9)
  • 2010 (1)
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