My Two Cents On PayTM Kerfuffle
PayTM is the first digital payment product I've used at scale in India. When RBI enforced the two factor authentication mandate for online payments, bill payments became a major PITA.…
Power Of Branding In B2B
According to the popular narrative, branding is needed only in B2C. That's not true. Branding plays an equally important role for B2B products and services. For the purpose of this…
10 Differences Between Capital Markets In USA & India
The Indian capital markets recently moved from T+2 to T+1 settlement. For the uninitiated, under T+2 regime, you got two days to deliver stock that you sold and the buyer…
How To Resolve Pricing Paradoxes
In Five Pricing Paradoxes, we covered many pricing paradoxes and speculated on why they happen. In this post, we will examine if and how they need to be fixed. Is There…
Five Pricing Paradoxes
According to common wisdom, middleman adds a margin, so his price will be higher than the original manufacturer's price. https://twitter.com/dharmeshba/status/1740013829101412495 Given that it has become common wisdom, this belief must…
Season’s Greetings
Season’s Greetings & Best Wishes for a Happy New Year! Welcome back to GTM360 Blog. We published 49 posts last year. The Top 10 posts in 2023 were: #10. Unpacking “Embedded Finance”…
Why ChatGPT Won’t Kill Coders
In Will ChatGPT Kill Coders?, we examined many demand suppressors that threatened to kill coders' jobs. We also alluded to DEMAND STIMULANTS, which work as counterweights by boosting demand for…
CBDC – Utopia or Dystopia?
Central Bank Digital Currency is digital cash. Like paper currency notes, it's issued by the central bank and does not bear interest. Also, like paper currency notes, it's legal tender.…
Shattering The Myth Of Exorbitant Credit Card MDR
Since times immemorial, merchants have complained that banks charge exorbitant fees for processing credit card payments. Called Merchant Discount Rate (MDR), this fee is around 2% of the transaction value,…
Will ChatGPT Kill Coders?
While building the new GTM360 website, I asked ChatGPT for code for the following responsive design elements: 3 images side by side Table with 2 rows, first row with 3…