What Can Government Do About Petrol Price?
Today's Times of India has two op-eds on petrol pricing. The one by Swaminathan S Anklesaria Aiyer (@swaminomics) advises the government to hold taxes at their present levels and leave petrol prices…
Tap’s Loss Is Dip’s Gain – Or The Attitude That Will Kill Contactless Payments
India's central bank-cum-banking regulator Reserve Bank of India relaxed the two factor authentication mandate for instore card payments below INR 2000 (~US$30). This means that you can pay with credit…
M&A Is Low Hanging Fruit For Indian IT Industry To Enter FORTUNE GLOBAL 500
There's no better introduction to this year's FORTUNE GLOBAL 500 than Fortune's own lede: Change is everywhere in this year's Global 500 - except at the very top. Walmart, with…
How Do You Verify Electronic Receipts In The Age Of Photoshop?
This is a slightly edited version of my answer to the following question on Quora. Short Answer: Verification techniques range from “do nothing” and heuristics through to rigorous matching of…
IKEA Will Die If It Expects Indians To DIY
Nine years after I wrote Changing Face of DIY Markets, it's still not so easy to get carpenters, electricians and plumbers for doing small household repair and home improvement jobs in India.…
Killing The Six Deadly CX Killers
Over the years I've bought a wide range of products and services from banks, insurers, etailers, colleges, publishers, brick-and-mortar stores, hardware and software companies, TELCOs, airlines and travel agencies. My…
Upside Of Brexit For IT Industry
When my employer posted me to Germany in the early 2000s to open its subsidiary for the so-called D-A-CH (German speaking) market of Europe, we had no reference customer in…
How Do You Sue Software?
Like many countries, India has a withholding tax regime. Called "Tax Deducted At Source", the withholding tax is applicable on salaries paid to employees, commissions paid to agents, rents paid…
PayZapp’s Loss Is PayTM’s Gain – And Lesson For PSPs
Many people complain that cashiers decline Apple Pay even though their stores have advertised support for Apple's payment service. I’ve come across the same experience with HDFC Bank's PayZapp mobile…
Indian Education System for Germany?
I wrote Indian Education System is the Best … for India! in 2006. I followed it up with Indian Education System for NYC? in 2009 and Indian Education System for UK? in…