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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
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Ketharaman's comments

clear
Why Branch And Digital Channels Will Coexist Forever

Sigh I think I'll be proved wrong there. When digital payment-only new-age companies start accepting cash even in western markets after finding that 2/3rd of the world still uses cash regularly, cash probably won't go away in 185 years. 

https://www.compelo.com/uber-cash-payments-uk/

04 Jul 2018 14:08 Read comment

From data security darling to cyber fall guy, Monzo experiences a breach of its own

I find the headline totally accurate. According to the article, Monzo is the victim of somebody else's fault. Which is exactly what "fall guy" in the headline conveys. For a bank to make money off of current account, it has to make customers store more money, whether customer would need / want to or not. That's Banking 101. If Monzo hasn't managed to do that, it does face a huge challenge and that's what the article says.

03 Jul 2018 19:22 Read comment

How The Banking Would Be In The Future?

I'm a little confused about the timelines. When you say "There would be certain banks that might have branches, but most of them will be looking at their customers to do online transactions in the near future.", do you mean near future from today or from 25 years hence? I ask because in Why Branch And Digital Channels Will Coexist Forever, I wrote about a bank that claims that (1) 90% of its transactions already happen via digital channels (2) it's still expanding its branch network (3) branches will always be around. 

03 Jul 2018 19:03 Read comment

Why Branch And Digital Channels Will Coexist Forever

Nope. Cash will last only for 185 years.  

The Death Of Cash Is At Least 190 Years Away

02 Jul 2018 18:50 Read comment

UK branch networks continue to shrink but won't disappear - FCA

"Customers still visit branches to open new current accounts and purchase further products, such as savings accounts." Not surprising considering banks sell best at branches. That's Why Branch And Digital Channels Will Coexist Forever.

02 Jul 2018 17:33 Read comment

Why Branch And Digital Channels Will Coexist Forever

iPhone X has come. Still plastic is alive and kicking. When people can get away with their prediction that iPhone 5 will kill plastic, I don't see much risk in predicting that branch and digital channels will coexist forever:).

02 Jul 2018 15:59 Read comment

Is Monzo’s new IFTTT service the Initial Operational Test for IOT in banks?

The latest IFTTT newsletter I received recently lists ING Australia as one more bank apart from Monzo that has used IFTTT integration.

25 Jun 2018 15:43 Read comment

Bank of Ireland hit by debit card failure

@Lynton Buxton + 1. Cheque - The Unsung Hero Of CashlessIndia

25 Jun 2018 09:32 Read comment

How AI can reduce risk in payment innovation and migration

Well before it runs in the background to automatically generate test cases, AI will replace developers for writing code. So it'll really be Bot v. Bot. 

20 Jun 2018 17:43 Read comment

Visa says 5.2m payments failed during 10 hour outage

The inverter battery backup at my home kicks in as soon as mains power fails (due to a fault in the line or planned load shedding). But it does not come on when there's a low voltage in the main supply. I was reminded of this when I read that Visa's secondary data center failed to kick in because of a partial failure of the primary system. 

19 Jun 2018 19:08 Read comment

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Ketharaman writes about

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