Ketharaman Swaminathan Founder and CEO at GTM360 Marketing Solutions
Advances in Big Data, Internet of Things and other technologies are contributing to an ever-increasing quantum of information in today's digital world. Not surprisingly, analytics has become a hot topic once again. But I sometimes wonder if there's such a thing as "too much analytics". I'm not thinking of "analysis paralysis" wh...
19 May 2014 /retail
In Mobile Wallets Should Fix What’s Broken – And It Ain’t Payments, I'd highlighted why paying by plastic card is natural and how mobile wallets are really not offering any compelling reason for people to use them for making payments. Furtheremore, I'd pointed out in Doubling Mobile Wallet Adoption By Halving Its Scope that merchants really don't...
27 April 2014
In Omnichannel Fiasco #1: Standard Chartered Credit Card, I'd described a recent omnichannel experience that started well but went downhill soon thereafter. In this post, let me describe another encounter with omnichannel that was a fiasco from the word go. This was with Vodafone M-PESA mobile wallet. My early involvement in its development couple...
14 April 2014
In over two decades of using credit cards, I missed a payment for the first time a couple of months ago. This happened on my HSBC credit card, which I've been holding for nearly 10 years. I'm blaming eStatements for my slip up. I typically receive the printed statement for this credit card around the first week of a month for the payment that's due...
31 March 2014 /security
I recently went through two omnichannel experiences, one that started well but went downhill soon thereafter and another that was a disaster from the beginning. Before I deep dive into my experiences, omnichannel is where a single business process is deliberately split across multiple channels so that each channel does what it's really good at and...
18 March 2014 /retail
In Will The Sad State Of Logistics Hurt eCommerce? (hyperlink removed but this post will come up on top of the Google SERP), I’d alluded to how DHL, FedEx and other multinational courier companies are 8-10X costlier than the local ones in India, and are, therefore, used only for high-value consignments. I recently went through an experience which ...
07 February 2014 /regulation
The old saying “Don’t do the crime if you can’t do the time” crossed my mind when I recently read this article in which loan defaulters protest against the aggressive procedures adopted by banks to recover their loans. The typical refrain of almost every defaulter profiled in this article seems to be “I couldn’t keep up with my repayments after lo...
02 January 2014 /regulation /retail
Over the years, my background in IT marketing and product management has brought me close to the subject of how a software should be extended over new channels. I can recall being involved in drawing up specs for new channel suppport on the following occasions in the past 15-odd years: ERP in Branch Office in the mid '90s Internet ERP in the lat...
08 December 2013
In Part 1 of this blog post, I'd described three issues with open systems that held banks back from transforming all their legacy applications to open systems. Here are three more: Sudden loss of functionality. In this brilliant article titled When Product Features Disappear – Amazon, Apple and Tesla and the Troubled Future for 21st Century Cons...
01 December 2013 /regulation
During a meeting with the CIO of a Top 5 bank in Germany, I was introduced to a lady who was retiring that same weekend. The CIO averred that she was the last employee in the bank's IT department who knew the nitty-gritty of a certain mainframe application. I pitched for a project to transform the legacy application to open system. The CIO promise...
25 November 2013 /regulation
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