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Ketharaman Swaminathan

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

clear
Uber launches credit card

How different is this card from the hundreds of merchant-cobranded cards launched over the decades? Did all those merchants push "further into the financial services sphere" with their cobranded cards??

26 Oct 2017 18:35 Read comment

Barclays introduces pop-up questionnaire for unusual online funds transfers

All the action happens on the website. But customer has to call a telephone number if they have any any "doubts about the payment". How cool is that?

26 Oct 2017 17:42 Read comment

PSD2: Has enough been done?

@JamesHiggins:

TY for your reply.

When I read "Without this guidance on standards, consumers will, ...", I thought you were referring to retail consumers.

From your line "With even the most cursory of glances at the finer points of PSD2, it is clear that this is a directive with the consumer and retail in mind. Removing the spotlight from the corporate sector is perhaps understandable.", I never thought you were referring to corporate customers.

Now coming to technical standards for data interchange, back in 2011, this was brought up as an issue. As I'd highlighted in my personal blog post How Many PFMs Do We Need at the time, there were at least two standards available at the time (apart from proxy login by PFM by using customer's online banking creds) viz. OFX and QIF. More recently, as I'd highlighted in my Finextra post, OFX-API is yet another standard.

IMO, data interchange standards are aplenty. The real problem lies in finding a way to objectively establish that PFM accessed only the permitted info and nothing more AND still maintain frictionless nature of PFMs, as touted by their vendors.

26 Oct 2017 12:15 Read comment

Forget fintechs, banks need to worry about Alibaba and Amazon

Henry Kissinger once said "The nice thing about being a celebrity is that, if you bore people, they think it's their fault". Paraphrasing that line, "The nice thing about being McKinsey is that, if you don't understand what it says, you think it's your fault".

At the risk of being publicly faulted, I fail to understand how "distribution" can have its own margins and growth divorced from "manufacturing" in a regulated industry like banking where the manufacturer and / or regulator play a vital role in deciding the distribution margins and supply volumes?

26 Oct 2017 11:00 Read comment

PSD2: Has enough been done?

Third-party PFM / MoMMAs like MINT have asked and received online banking credentials from millions of people. With these creds, they've been in a position to access every bit of banking info that accountholders can themselves access. This has been happening for over a decade. 

TBH, I fail to understand what's the big deal about lack of technical standards for customer data sharing in PSD2.

26 Oct 2017 09:56 Read comment

Capital One: What we learned about what our chatbot learned

If everyone that deploys chatbots takes the trouble that CapitalOne has taken to learn what their chatbots have learned, chatbots will replace humans even faster than I'd imagined in Can Chatbots Replace Humans?

Coincidentally, on my adjacent browser tab, I have a press release from Persado, the leading provider of AI-generated marketing language for top global brands. Persado found that there were 250 ways of writing "Call now". That's beaten hollow by Eno's learning that there 2200 ways that customers have asked for balances!

25 Oct 2017 19:04 Read comment

An 'instant-in-essence' electronic debit instrument

I agree about the convenience of cheques. In fact, IME, cheque was the unsung hero of #CashlessIndia at the peak of #CurrencySwitch last year. But I disagree that their use is coming down, if that's the subtext of your post. In my post Why Branch And Digital Channels Will Coexist Forever, I've recounted my conversation with a banker, according to whom increase in use of cheques in business banking is a major reason why her bank is expanding its branch network.

24 Oct 2017 15:26 Read comment

HSBC partners Bud for open banking trial

@Anon: TY for correcting my impression that MINT pioneered account aggregation / PFM. 

23 Oct 2017 12:47 Read comment

GARTNER RESEARCH EARLY STAGE ENTERPRISE CHATBOT INSIGHTS THE REVOLUTION OF CONVERSATIONS

Given some of the humans I interact with everyday, I wish Gartner's prediction came true tomorrow. Can Chatbots Replace Humans?

 

23 Oct 2017 12:45 Read comment

Transformation Strategies in Retail Banking

Most of my branch visits are memorable encounters, alright. But somehow they remind me of #FailWhale! Wish you’d included the image of the said Big Whale – if not for visual inspiration, then at least for mental aspiration!!

23 Oct 2017 12:18 Read comment

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Ketharaman writes about

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Ketharaman's opinion archive

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