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(This is a commentary on how shortselling works and not a guide to carry out shortselling.) I recently posted the following update on social media: @s_ketharaman: Startup Idea: Hindenburg Research of...
In his ET WEALTH column entitled If it seems too good to be true, it probably is, Dhirendra Kumar describes the following asymmetry between victims and perpetrators of cybercrime: "Individual vi...
There's a lot of buzz around cybercrime. Not a week goes by when we don't hear of someone or the other losing money to scammers and fraudsters via UPI / Zelle et al. Let's consider the following ubiqu...
“A basic premise of Web3 is that every product is simultaneously an investment opportunity” - Matt Levine The previous post entitled How Crypto Tokenonmics Is Revolutionizing Web3 was about the revolu...
We took the following example of a cybercrime in Why Is It Hard To Catch Cybercriminals? Joe uses a digital payment to buy something from Jane, and does not get what he ordered. In this context, digi...
In the traditional Onprem software paradigm, a Customer pays the full License Fee of the software upfront and gets the rights to use the software in perpetuity. If he wants maintenance and updates, he...
When the authorities say cash leads to tax evasion, counterfeiting, etc., the common man ("Joe") thinks it's because cash is anonymous. When they goad him to ditch cash and move to digital p...
Fintechs have gestured for years that they will disrupt traditional banks with their shiny apps. When asked uncomfortable questions about lacking banking license, finsurgents have brushed off those co...
I’ve been asked many times to share my take on the latest status of Rakuten Coin, an altcoin that I wrote about in How Blockchain Can Crack The Holy Grail Of Loyalty Programs four years ago. That is n...
Open Banking is a flop, it’s too costly, clunky, and businesses struggle to make money from it. - Anne Boden, CEO of Starling Bank, to Treasury Committee (Source). After a regulatory mandate and nearl...
In What Is Subscription Trap? (Part 1), we saw several Dark Patterns used by brands and service providers ("Merchants") to make it difficult for us to cancel subscriptions like Social netw...
Bank accounts are not heavily branded, barring a few exceptions like the one from IndusInd Bank, which tries to create a strong brand for its bank account on the back of differentiators like return of...