Talk of Many Things – Page 3 – Personal Blog of Ketharaman Swaminathan

Arattai V. WhatsApp: Network Effects Don’t Grow On Trees

7 January 2026

The mainstream media has already started writing the obituary of Zoho's Arattai messaging app. Take, for example, Economic Times. In its oped entitled Why Arattai Isn't A WhatsApp by Akshat…

Season’s Greetings

1 January 2026

Season’s Greetings & Best Wishes for a Happy New Year! Welcome back to GTM360 Blog. We published 48 posts in 2025. The Top 10 posts of the year were: #10. Pune…

How China Primed Its R&D Pump With IP Theft

24 December 2025

When some rando shills China's R&D playbook for India on social media, it's funny. But if a leading columnist does the same in the world's second largest business daily (see…

Robot Journalist Steps Out of My Imagination And Enters The Real World

17 December 2025

In my blog post entitled Future Of Media, I'd daydreamed about a robot journalist: My imaginary Robot Journalist (RoJo) is equipped with a camera, sensors, and an LLM (Large Language Model), and…

Outcome Washing In AI Deals

10 December 2025

Outcome Based Pricing (OBP) is where my product helps you to achieve a certain outcome, I sell it to you for a price that's proportional to the monetary value of…

Five Reasons Why UPI Has Not Disrupted Credit Card

3 December 2025

(This post is a slightly edited version of my answer to the above Quora question.) Question: Has UPI Disrupted Credit Card? Short Answer: No. UPI has boosted credit card. Long Answer:…

Unpacking The Credit Card Boom In India

29 November 2025

I got my first credit card in 1988. I've been using credit card as my go-to method of payment since then. I also headed up the retail payments line of…

UPI Is Boosting – Not Hampering – Credit Card

26 November 2025

(This post is a slightly edited version of my answer to the above Quora question.) Question: Is UPI Hampering Credit Card Business? Short Answer: No. UPI is actually aiding the credit…

Inventing A Strategic Enemy To Create Revolutionary Brands

19 November 2025

In his oped entitled Abey, Get a Strategic Enemy! in the Economic Times dated 2 October 2025, M Muneer proposes what I call the Strategic Enemy playbook to create revolutionary…

AI Agent Versus RPA

12 November 2025

I have been asked many times to explain the difference between AI Agent and RPA. That's not strictly true. I've been asked only twice, most recently by an automated bot…