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Ketharaman Swaminathan

Founder and CEO
GTM360 Marketing Solutions
Member since
17 Apr 2009
Location
Pune
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13
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150
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0
Followed by John Sims, Martha Boyle and 5 others you follow
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Ketharaman's opinions

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Ketharaman Swaminathan

Winners Incite Action. Losers Wait For Actionable Insight

As a tech marketer, I constantly preach that technology must solve a real-life problem for it to enter the mainstream. I also believe that it's the technology provider's job to explicitly convey how their product or service alleviates concrete pain areas. In the context of analytics, this would mean that analytics is useful as long as you know what...

06 December 2015

Ketharaman Swaminathan

Hiding Your Secret Sauce

They say every product or service must have a secret sauce. Some startups take the secrecy part of this advice to the extreme by going into stealth mode until they launch. While others point to today’s open world of startup events, mentoring sessions, Twitter and TED talks and question if it’s even possible to have anything secret. Before sharing ...

17 November 2015

Ketharaman Swaminathan

How Online Banking Prepares You To Become An Entrepreneur

As startup mentors will tell you, a successful entrepreneur needs to: Take risks Move fast but be patient Thrive on ambiguity Online banking is a great way to develop these skills. Here's why: #1. Take risks Online banking portals mince no words when they tell you that you're on your own while making an electronic fund transfer. Their warnings in...

01 October 2015 /retail

Ketharaman Swaminathan

Bank Insources Credit Card Reward Redemption Theft

In Beware Of Credit Card Reward Redemption Theft, I'd written about the many occasions in the past when I didn't receive my credit card redemption until I chased the bank in question. In all those cases, the courier company in question seemed to be waiting to decamp with the gifts if I hadn't followed up on their non-receipt. A recent experience m...

13 September 2015 /retail

Ketharaman Swaminathan

When Does Correlation Equal Causation?

Data purists would rap my knuckles for asking this question and reply, "Never". On the other hand, "data sophists" who're accustomed to lying with Big Data in even more crude ways would wonder, “Duh, they’re the same, no?” If you don't belong to either camp, you might pause and wonder if there's a golden mean between the two ex...

11 August 2015 /retail

Ketharaman Swaminathan

Mitigating Fraud Does Not Pay The Bills

Many discussions of security standards emphasize how Chip + PIN and Two Factor Authentication reduce fraud loss and exhort countries using Magstripe / Chip + Signature and Single Factor Authentication (e.g. USA) to immediately migrate to the newer technologies. Take for instance Campaign pushes for US adoption of chip and PIN on Finextra. ...

20 July 2015 /regulation

Ketharaman Swaminathan

Appealing To Millennials - The Challenge For PayZapp Mobile Wallet

Since I wrote HDFC Bank's PayZapp Ends My Bill Payment Woes, I’ve made a few more bill payments using the mobile wallet. All of them went through successfully (knock on wood!). I'm even more convinced that PayZapp is the best way of paying bills. That said, PayZapp faces many challenges in appealing to Millennials and other first time users who te...

05 July 2015

Ketharaman Swaminathan

HDFC Bank's PayZapp Ends My Bill Payment Woes

I get around 15 bills a month from a variety of telcos, utilities, and other billers. Being an omnichannel freak, I don't have any bias towards how I pay them, with my choice of payment channel depending largely upon where I am when a certain bill falls due: If I'm close to my laptop, I pay at the biller’s website; if I’m in the biller's neighborh...

26 June 2015

Ketharaman Swaminathan

Will Millennials Bankrupt Neobanks?

Many a neobank seems to be founded on the premise that Gen Y and Gen Z (collectively "Millennials") are digital natives and prefer digital interactions to physical ones in everything including financial services. Personally, I don't find any serious shortcomings in the online, mobile or social media offerings from any of my traditional ba...

08 June 2015 /retail

Ketharaman Swaminathan

Secret Of Survival Of Bank Branches

From personal experience and anecdotal evidence, there's no question that retail banking customers are increasingly moving to digital channels to conduct everyday banking transactions like balance inquiry, statement download, and so on. Notwithstanding the pronounced shift in customer preference to digital channels, bank branches are far from dead....

06 February 2015 /retail

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Ketharaman writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • retail banking
  • wholesale banking
  • cloud
  • devops
  • start ups
  • cryptocurrency
  • markets
  • financial crime
  • covid-19
  • predictions

Ketharaman's opinion archive

  • 2024 (6)
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  • 2013 (17)
  • 2012 (12)
  • 2011 (9)
  • 2010 (1)
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