150 Results
Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
In his blog post titled The Power of Location-Based Offers in Financial Services, Jim Marous, Co-Publisher of The Financial Brand, highlights how banks can leverage the proliferation of smartphones to make location based offers for cross-selling of banking and other third-party products at their branches. Let’s say a bank implements LBOs and an ex...
21 February 2016 /retail
A few months ago, I'd posted the following update on social media: Privacy does not equal Security: Privacy is refusing to give out your mobile #. Security is refusing to give out your debit card PIN #. To which a friend had replied, "You made it so simple!!" Then I thought of bank account numbers and realized it wasn't so simple. If I to...
17 January 2016 /regulation /retail
As a tech marketer, I constantly preach that technology must solve a real-life problem for it to enter the mainstream. I also believe that it's the technology provider's job to explicitly convey how their product or service alleviates concrete pain areas. In the context of analytics, this would mean that analytics is useful as long as you know what...
06 December 2015
They say every product or service must have a secret sauce. Some startups take the secrecy part of this advice to the extreme by going into stealth mode until they launch. While others point to today’s open world of startup events, mentoring sessions, Twitter and TED talks and question if it’s even possible to have anything secret. Before sharing ...
17 November 2015
As startup mentors will tell you, a successful entrepreneur needs to: Take risks Move fast but be patient Thrive on ambiguity Online banking is a great way to develop these skills. Here's why: #1. Take risks Online banking portals mince no words when they tell you that you're on your own while making an electronic fund transfer. Their warnings in...
01 October 2015 /retail
In Beware Of Credit Card Reward Redemption Theft, I'd written about the many occasions in the past when I didn't receive my credit card redemption until I chased the bank in question. In all those cases, the courier company in question seemed to be waiting to decamp with the gifts if I hadn't followed up on their non-receipt. A recent experience m...
13 September 2015 /retail
Data purists would rap my knuckles for asking this question and reply, "Never". On the other hand, "data sophists" who're accustomed to lying with Big Data in even more crude ways would wonder, “Duh, they’re the same, no?” If you don't belong to either camp, you might pause and wonder if there's a golden mean between the two ex...
11 August 2015 /retail
Many discussions of security standards emphasize how Chip + PIN and Two Factor Authentication reduce fraud loss and exhort countries using Magstripe / Chip + Signature and Single Factor Authentication (e.g. USA) to immediately migrate to the newer technologies. Take for instance Campaign pushes for US adoption of chip and PIN on Finextra. ...
20 July 2015 /regulation
Since I wrote HDFC Bank's PayZapp Ends My Bill Payment Woes, I’ve made a few more bill payments using the mobile wallet. All of them went through successfully (knock on wood!). I'm even more convinced that PayZapp is the best way of paying bills. That said, PayZapp faces many challenges in appealing to Millennials and other first time users who te...
05 July 2015
I get around 15 bills a month from a variety of telcos, utilities, and other billers. Being an omnichannel freak, I don't have any bias towards how I pay them, with my choice of payment channel depending largely upon where I am when a certain bill falls due: If I'm close to my laptop, I pay at the biller’s website; if I’m in the biller's neighborh...
26 June 2015
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