Ketharaman Swaminathan

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Founder and CEO

GTM360 Marketing Solutions

Member since

17 Apr 2009

Location

Pune

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Ketharaman's opinions

Bank v. Neobank: Safety Of Money In The Light Of Synapse - Evolve Fracas

Fintech Mafia Carousel Pumping is the circular shilling of one another's financial products and services by a bunch of fintech founders with least regard for truth or consumer interest. I recently came across the following exhibit of Fintech Mafia Carousel Pumping on LinkedIn. ========== Why do some of us trust Barclays or Bank of America more tha...

16 July 2024 /regulation /retail

Ten Revolutionary Things About AI - Part 2

In Ten Revolutionary Things About AI - Part 1, we described five gamechangers about ChatGPT and other Generative Artificial Intelligence platforms. In this Part 2, we shall cover five revolutionary things about AI. 6. Weird Regulatory Proposals There are broadly two lobbies for regulating Gen AI: A) Closed Source (via Sam Altman and Vinod Khosla)...

28 May 2024 /ai /regulation

Ten Revolutionary Things About AI - Part 1

Artificial intelligence is promising to disrupt a wide array of legacy practices. - Dan Primack, Axios PRO Rata. Based on my firsthand experience with the AI tsunami over the past 9-10 months, I can wholeheartedly get behind the above prediction. In fact, I've already noticed 10 revolutionary things aka gamechangers about ChatGPT and other GenAI p...

08 May 2024 /ai /regulation

My Two Cents On PayTM Kerfuffle

PayTM is the first digital payment product I've used at scale in India. When RBI enforced the two factor authentication mandate for online payments, bill payments became a major PITA. By requiring users to fill credit card number, expiration date, and half a dozen fields, Reg 2FA caused tremendous friction. After they received the OTP, entered it ...

08 February 2024 /payments /crime

Why ChatGPT Won't Kill Coders

In Will ChatGPT Kill Coders?, we examined many demand suppressors that threatened to kill coders' jobs. We also alluded to DEMAND STIMULANTS, which work as counterweights by boosting demand for coders. In this post, we will do a deep dive into Demand Stimulants. Comprising new computing paradigms and markets, demand stimulants not only arrest the ...

25 January 2024 /cloud

How AI Can Take Readability Of Bills And Statements To The Next Level

In Bills And Statements Are Hard To Decipher, we noted that it was very hard to read bills and statements from banks, ecommerce companies, retailers and other industries. We took two examples and did a deep dive to understand the full extent of the indecipherability problem: Ecommerce Bill Bank Statement In this post, we will examine the root c...

10 January 2024 /payments /retail

Will ChatGPT Kill Coders?

While building the new website of my company, I asked ChatGPT for code for the following responsive design elements: 3 images side by side Table with 2 rows, first row with 3 images, second row with 3 links 3 images side by side on one line and 3 links on the next line 3 images side by side with linked captions. ChatGPT responded back with code s...

05 December 2023 /cloud

Unpacking Embedded Finance From Consumer POV

Whenever a new term enters the hype cycle, it's fashionable for people to bandy it about all the time, sometimes correctly but most of the time loosely. Embedded Finance is one such term. In this post, we will unpack the term, specifically from the consumer point-of-view. A consumer goods retailer in India offered installment purchase of transistor...

23 November 2023 /retail /wholesale

Why Are Bills And Statements So Frigging Hard To Decipher?

People regularly complain that it's very hard to decipher bills and statements from banks. Rant from Quora: Why are the description info on Bank Account Statements so confusing? We cannot find what is the debit for and from whom the payment / transfer has come in. End of the month when you see the statement we have to break our heads to decipher t...

31 October 2023 /payments /retail

Consumer Credit Ratings Should NOT Get More Personal

In a recent op-ed entitled Credit Ratings Need To Get Personal in the Economic Times, the authors compare corporate credit rating and consumer credit rating and make the case for enriching consumer credit rating by pointing to the more-enriched composition of corporate credit rating. In my opinion, this is a false equivalence for at least two reas...

16 October 2023 /retail /wholesale

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