Debunking the “Hidden Cost” Myth: When Free Is Really Free
Whenever they hear that something is free, some find it fashionable to remark that "there's no free lunch" or "you're paying in a different way". In other words, these people…
Using ChatGPT As A Data Analysis Assistant
Data analysis is not the first thing that comes to mind when you think of a language model - large or small - but ChatGPT happens to be quite good…
Why Do Banks Partner With Visa When They Can Create Their Own Credit Card?
(This post is a slightly edited version of my answer to the above Quora question.) Banks have created a plethora of products like checking account, savings account, mortgage, High Frequency Trading,…
Will ChatGPT Kill Systems Of Record?
Klarna recently announced that it is shutting down Salesforce, Workday and other SAAS applications that it has been using for years. All of the reports that I could lay my…
B2B Data Sharing By SAAS & AI: Whose Data Is It Anyway?
Regulatory mandates EU PSD2 in the European Union and Reg 1033 in USA have decreed that banking data belongs to consumers and stipulated that banks must let consumers access their…
Three Areas of Impact Of SaaS Repatriation
We did not reach a conclusion on the outlook for SaaS Repatriation at the end of our previous blog post Will ChatGPT Kill SaaS?. But that doesn't mean the fledgling…
Two Ways To Boost The Adoption Of UPI Lite
A couple of years ago, ET Prime reported that core banking systems (CBS) at Indian banks were creaking under the load of burgeoning UPI volumes. Being an account to account…
SaaS Repatriation – For & Against Faceoff
In Will ChatGPT Kill SaaS?, I coined the term SaaS Repatriation to describe the nascent practice of enterprises shutting down their SaaS products and developing AI systems inhouse using ChatGPT,…
Eight Ways To Scale The Paywall
People don't want to buy subscriptions just to read the one odd article. But they're happy to pay 10 cents or 10 rupees to read an individual article in their…
Innovate Now, Invent Later
To: editet@timesgroup.com Subject: India's Gotta Reset & Dance | Letter to the Editor Dear Editor of Economic Times: This has reference to the op-ed titled "India's Gotta Reset & Dance"…