Talk of Many Things – Page 25 – Personal Blog of Ketharaman Swaminathan

Why Two Factor Authentication Is A “Conversion Killer” & “Blood Pressure Booster”

15 January 2020

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

8 January 2020

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

1 January 2020

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!

20 December 2019

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

13 December 2019

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?

6 December 2019

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

22 November 2019

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…

Outflanking Incumbent Products With AHA Moments

15 November 2019

One of the chief ways in which we help software companies is by introducing "aha" moments in their new products. It's almost not necessary to define "aha" moments. The term…

When Upgrades Turn Out To Be Downgrades

8 November 2019

In Latest Is Not Greatest, I covered four products whose new versions have omitted key features from their older versions. Microsoft Windows Lenovo Laptop Apple iPhone ATM In this post,…

Latest Is Not Greatest

1 November 2019

Back in the day, whenever we bought the latest model of a product, we got more features than we had in the previous model. Barring very few exceptions, the feature…