About UPI Ban By Small Merchants – Part 1

Facing mounting GST notices, many small merchants in Bangalore and elsewhere in the state of Karnataka are declining UPI and other digital payments, and insisting on cash from their customers.…

Harvard Mumbai: Innovative Or Harebrained?

The US federal government recently announced plans to carry out social media vetting of visa applications of all foreign students desiring to pursue higher studies in USA. This has sparked…

Rising Friction In Banking – Part 2

In Rising Friction In Banking - Part 1, we saw four friction hotspots in customer journeys and applications in banking. In this Part 2, we'll see four more. 5. Account…

Context Matters

According to the Context Matters Principle, when somebody asserts X in a certain context A, you might believe X but, when provided more context, you might change your mind. Based…

Three Truths About Outcome Based Model

In Output Versus Outcome Model, we described the difference between output-based model and outcome-based model. In this post, we'll look at a few attributes of the outcome-based model. To recap: Output: I…