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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 your Product is not a Project

I thought CRM has gotten well past its initial adoption challenges by now. But, per this Gartner blog post, it looks like I was too optimistic: 

CRM efforts still fail for most companies

12 Jan 2016 12:07 Read comment

Banking on things - the Internet of Things

The spread of IoT will only be limited by the imagination of its suppliers / customers. Re. bargain hunter, LBS deal apps have been around for years, with GPS serving as the "location tracker". Not sure what's the role of IoT here. 

12 Jan 2016 08:40 Read comment

Why your Product is not a Project

@JoãoBohner:

Surely not. The corresponding LOBs or SBUs - with some overlaps between them - would be:

  • Retail Banking: Checking Account, Mortgage, Mutual Fund, Certificate of Deposit, Mutual Fund
  • Corporate Banking: Checking Account
  • Investment Banking: Credit Default Swap, Collateralized Debt Obligation.

08 Jan 2016 17:35 Read comment

Why your Product is not a Project

@JoãoBohner: TY for the A2A. In the context of Banking, "product" means Checking Account, Mortgage, Certificate of Deposit, Mutual Fund, Credit Default Swap, Collateralized Debt Obligation, etc. A car has various specs. viz. engine capacity, ABS, 4WD, boot capacity, etc. Likewise, a banking product has various specs. viz. Tenor, Interest Rate, Maturity Date, etc. Hope this answers your question. 

08 Jan 2016 16:06 Read comment

Lending startups dominate digital banking funding scene

This totally reflects the degree of independence from banking rails and, thereby, disruption potential, of the various fintech segments. As for banking and personal finance, it's amazing how this segment even managed to attract 5% of investments, given that it comprises merely of good old banks that show up via snazzy mobile apps.

08 Jan 2016 12:30 Read comment

HSBC COO takes to Twitter to apologize over systems breakdown

Good to see HSBC on Twitter. From personal experience of tweeting to various banks, HSBC was the last social media holdout.

08 Jan 2016 12:18 Read comment

Appetite for cash remains strong as ATM usage soars

"As the fee of the debit card transaction is fixed, the cashback does not cost the retailer anything extra" aka no extra fee for cashback part of the card transaction. That explains it. Ask the retailer to put through another transaction, solely for cashback, let's see how many retailers find handling cash costlier than the fee on the card transaction, and agree to give cashback.

08 Jan 2016 11:33 Read comment

Appetite for cash remains strong as ATM usage soars

The last time I checked, this article covers 2014, 2015 and 2020. That sounds like future to me. Denying the future just because it doesn't corroborate past predictions, has never been a good strategy.

08 Jan 2016 11:28 Read comment

Appetite for cash remains strong as ATM usage soars

It should be taught in schools that one should always listen to the views on something only from the people who are most affected by that something. As I'd highlighted in Cash in Hand Is Worth More Than Card In Bush, digital payments have a lot of hidden costs because of which, merchants, who are most affected by the purported costs of cash, rarely refuse cash.

If cashback is really meant to avoid the cost of processing cash, UK supermarkets should be happy give out any amount of cashback, shouldn't they - after all, "more the merrier" for them. Why, then, is there an upper ceiling on cashback of GBP 25 or some such small figure? Just asking.

08 Jan 2016 10:26 Read comment

Why your Product is not a Project

I've helped create CPQ, CEM, DAM and many other CRM addon products, so I know how they help the salesperson. However my comment was targeted exclusively at CRM, not addons. Wonder if the SFDC guys know this but the key GTM theme for many of these addon product vendors is to go to existing CRM users and tell them, "sorry if you thought you'd get this functionality from your CRM, actually you need our addon product for that".

Well, if there are so many levels in the product management hierarchy and compliance requirements in your target market, that would surely help accelerate the pace of adoption of a product management software. Best wishes!

08 Jan 2016 08:28 Read comment

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Ketharaman writes about

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Ketharaman's opinion archive

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