Five Reasons Why UPI Has Not Disrupted Credit Card
(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
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
(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
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
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…
Why Foreign Exporters And American Importers Are Paying Trump Tariffs
"When President Trump announced sweeping tariffs in April, economists predicted surging inflation and raised the odds of a recession. Those worries now seem overblown." ~ How the U.S. Economy Has…
Early Sightings Of AI Voice Agent Technology
In a recent article in the mainstream media, Mitesh Agarwal, director, customer engineering at Google Cloud, declared: Unlike other countries, India is a voice first market. I found his observation…
Trump Tariffs: Who Is Paying How Much?
Ever since Donald Trump started talking about tariffs (1988) and first imposed tariffs (2018), the mainstream media has been parroting the pedantic economics theory that tariffs is a form of…
ROI For Customer Is Not Equal To ROI For Investor
A company that invests in ERP stands to gain from higher inventory turns, lower DSO, etc. Benefits of enterprise software are generally of the nature of increase in income and…
Why ChatGPT Has Not Killed Google Search
People started complaining about the decline in quality of Google Search around a decade ago. Accordingly, many pundits predicted the demise of Google Search in the then near future. But,…