Who Really Owns Your Shares?
All my life I answered the question in the title of this blog post with a resounding "Of course, I own my shares". That changed after I read an article…
Are Digital Natives Losing Their Data Chops? – Part 2
In Are Digital Natives Losing Their Data Chops?, we saw six examples of digital natives showing signs of losing their data chops. The litany of such new age tech companies seems…
Why Doesn’t UPI / A2A RTP Provide Scam / Fraud Protection?
There's a lot of buzz around cybercrime. Not a week goes by when we don't hear of someone or the other losing money to scammers and fraudsters via UPI and…
Blockchain Loyalty Programs – Sizzling Or Fizzling?
I’ve been asked many times to share my take on the latest status of Rakuten Coin, an altcoin that I wrote about in How Blockchain Can Crack The Holy Grail…
Fraud v Scam: Who Is Liable For Cybercrime
In Why Is It Hard To Catch Cybercriminals?, we took the following example of a cybercrime: Joe pays Jane online for something and does not receive what he was promised.…
Atmanirbhar Bharat: Necessary But Not Sufficient
On the back of Russia's invasion of Ukraine, many companies in USA and EU have shut down their operations in Russia, effectively stopping supplies of their products and services to…
Why Is It Hard To Catch Cybercriminals?
When the authorities say cash leads to tax evasion, counterfeiting, etc., the common man ("Joe") thinks it's because cash is anonymous. When they goad him to ditch cash and move…
Unpacking The B2B2C Business Model
If you sell to a business, you're B2B. If you sell to a consumer, you're B2C. That much is clear. According to the popular narrative, if you sell to a…
Open Banking: EU v. USA
Open Banking is a flop, it’s too costly, clunky, and businesses struggle to make money from it. - Anne Boden, CEO of Starling Bank, to Treasury Committee (Source). With a…
Why Does Spray-And-Pray Marketing Still Work?
Somebody was recently perplexed on LinkedIn about the kind of marketing adopted by a leading used cars portal: Cold Calling was earlier done by telecallers. Now it's done via pre-recorded…