150 Results
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
We come across the “Go Wide or Go Deep?” question regularly in our outsourced product management engagements. (Should the term “outsourced product management” intrigue you, see Who The Heck Outsources Product Management?). Let’s take a typical scenario: An IT company has developed a horizontal technology platform without reference to any specific s...
13 August 2018 /payments
I recently saw the following post on LinkedIn: “95% of banks in the study have created innovation labs.” This figure seemed extremely high to me. I did a quick-and-dirty survey of three banks in my circle. Not one of them has an innovation lab. Nevertheless, I couldn't conclude that the author of the post was lying because I couldn’t find evidence ...
16 July 2018 /payments /retail
Loyalty programs give reward points to consumers for making purchases and let consumers redeem their reward points for gifts. By their very nature, reward points look like an alt-coin and quack like an alt-coin. Now, thanks to blockchain, reward points can pass the Duck Test and become an alt-coin. I've heard of a few platforms that help brands bu...
05 June 2018 /retail
When you pay someone, you expect to get a receipt for the payment. Especially when that "someone" is a business. Receipt - or "proof of receipt" - must be issued by the Payee / Merchant so that you can use it to independently prove that the Payee / Merchant has received your money. A confirmation from an intermediary like a Paym...
18 May 2018 /payments /retail
---------- ACKNOWLEDGMENTS: This is the first post I've published using the "Insert/edit image" feature I recently found on Finextra Blog Editor. Unlike the old "Assign a picture link" that permits bloggers to add an image only at the bottom of a blog post, the new feature can be used to place an image anywhere in the body of t...
02 May 2018 /retail
As soon as my daughter was born, I opened a bank account in her name. As a minor, her account was held jointly in her parents' name all these years. My daughter turned 18 recently. I went to the bank to change the account status to "major" and apply for a credit card in her name. This is what happened. Majority My daughter and I had to ma...
01 April 2018 /retail
As we saw in Feature Or Bug - Facebook & Tideplus (hyperlink removed to comply with Finextra Community Rules but this post should appear on top of Google Search results when searched by its title), #FeatureOrBug refers to a feature that masquerades as a bug. To recap: As brands increasingly adopt personalization in their communications, what y...
04 March 2018 /payments
I covered two Blockchain flight delay insurance products in AXA Fizzy - The New Kid On The Blockchain and Atlas Etherisc – Another New Kid On The Blockchain. In this post, I’ll address the “Why Blockchain?” question. Here’s a quick recap of the background to this question from the first post: ===== ...the techie in me started wondering what stopp...
07 February 2018
At the end of my blog post entitled AXA Fizzy - The New Kid On The Blockchain, I'd promised to answer the “Why Blockchain?” question in a follow-on post. I'm not fulfilling that promise yet. Frequent readers of this blog would be aware that it's light on research and heavy on personal experience and anecdotal evidence. For reasons highlighted in m...
15 January 2018
I've been asked many times to write about my Blockchain experience. That is not strictly true. I've been asked only twice, most recently by a man in Mumbai, Maharashtra. How can I write about the Blockchain experience, I asked myself on the Deccan Queen returning to Pune, when most of the founders of the Blockchain companies are too busy writing wh...
02 January 2018
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