Rufus v. ChatGPT
Rufus is Amazon's Generative AI chatbot. Whenever you have a question about a product you're browing on the Amazon website or app, you can click the Rufus button and ask…
Paging RBI EMandate – Is There Anybody Out There?
I bought a paid plan of a SAAS software, with the fixed monthly subscription fees payable with credit card. This is a canonical example of a recurring payment subject to…
Arattai V. WhatsApp: Network Effects Don’t Grow On Trees
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
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
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
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
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
(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…