Why Does Cross Selling Fail?
In my last post on cross-selling entitled Cross Selling Is Hard, we had seen several cross-selling flops by majors. In each case, a company that is wildly successful in one…
Cross Selling Is Hard
I recently came across a post on social media predicting that WhatsApp will very soon become India's largest digital payments product because it has 450 million users in India. I…
The Six Secrets To Attract Venture Capital
Entrepreneurs are driven by idea, originality, product, problem solved, team, technology, and so on. But, for VCs, they're merely means to an end. As we saw in Teardown Of The…
Why Two Factor Authentication Is A “Conversion Killer” & “Blood Pressure Booster”
Any digital payment goes through a long and tortuous value chain comprising multiple entities. If we take credit card as an example, the entities include Consumer (e.g. You), Merchant (e.g.…
Why Banks Will Never Catch Up With Fintechs On UX
Top 6 US banks posted a trillion dollars in profits in the last 10 years. https://twitter.com/s_ketharaman/status/1607741163003330562 Compared to that, I wonder if the Top 6 fintechs in USA have received…
Season’s Greetings
Season’s Greetings & Best Wishes for a Happy New Year! Welcome back to GTM360 Blog. Our Top 10 blog posts in 2019 were: #10. Are Digital Natives Losing Their Data Chops?…
Better A Digital Colonizer Than Digital Colony Be!
Of late, there's a lot of concern in the public discourse that India is becoming a digital colony of the West. If this concern is valid, we have ourselves to…
Your Personal Data Is Not Sold, Just Used
I put several hotel rooms on my credit card one month. The next month, I get a "30% OFF" coupon from AirBnB for staying at one of its properties the…
Britannia World Cup CEM – Low Budget Campaign Or Outright Scam?
Britannia recently ran a Customer Engagement Management campaign for its NICE biscuit. Like any typical CEM campaign, the BRITANNIA KHAO WORLD CUP JAO campaign required consumers to find a promo…
Credit Card Versus Debit Card / UPI / A2A
Credit Card and Debit Card are both "cards". Both are digital payment methods. Both are issued by banks. Both of them work on card rails owned by Visa, MasterCard, China…