Ketharaman Swaminathan

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Founder and CEO

GTM360 Marketing Solutions

Member since

17 Apr 2009

Location

Pune

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Fintechs Need Guts More Than Lawyers

In Part 1 titled “Fintechs Need Marketers And Lobbyists – Not Lawyers”, we saw why marketers and lobbyists play a vital role in a fintech startup’s success. In this second part, we'll examine the following middleground approach suggested by some people: Go to lawyers, listen to what they say, understand the risks and work out a mitigation strategy...

15 August 2016 /regulation /startups

Fintechs Need Marketers And Lobbyists, Not Lawyers

Like startups in any other industry, fintechs need to find a problem to solve, develop a solution, package it in such a way that it provides a compelling reason to use, and thereby gain mainstream adoption. SQUARE and PayZapp are two fintechs that have a good job of this for reasons I’ve covered in my previous blog posts here and here. This requir...

31 July 2016 /regulation /startups

Enhanced Remittance Data Could Multiply Electronic Fund Transfer Volumes

My property management company in UK wanted me to link the following information to my monthly rent payment: MCS MERIDIAN CLIENT ACCOUNT HOUSE RENT 98 MERIDIAN PLACE JUN 2008 There was no way I could do this electronically since the maximum info I could squeeze through in the reference field of my Online Banking's fund transfer screen was only MCS ...

05 July 2016 /payments /retail

Five Ways For Banks To Boost Credit Card Use

Ever since I got my first credit card in the late '80s, I’ve been a fan of plastic. Rewards, deferred payment and a built-in line of defence from fraud - these are some of the reasons I pay with credit cards as far as possible. That said, during the same period, I’ve come across many people who're wary of using credit cards. When I ask them, they g...

26 May 2016 /retail

Banks Will Know Chipotle Is Going Bankrupt Before Chipotle

Following Chipotle’s e-coli scare late last year, the burrito chain’s stock has been on a free fall. From a peak of ~$750 in October 2015, the stock price plummeted to ~$400 at the height of the crisis last month. At the time, it was rumored that the company might be forced to file for bankruptcy. Whether the rumor is true or not, banks will know ...

17 April 2016 /retail

How To Really Kill Cash

They said cash is costly. It didn't work with merchants. They launched one mobile wallet after the other to drive cashless behavior. It didn't work with consumers. They scared people away from currency notes, claiming they contain all kinds of germs, bacteria and viruses. It didn't work with anyone. 85% of world’s transactions happen in cash. Sour...

16 March 2016 /retail

Is India Headed For A Subprime Mortgage Crisis?

I drafted this blog post four years ago after reading this article in Economic Times. Not wanting to sound alarmist, I decided to can it. I revisited the post many times since then and I stuck to my decision each time. Until I read this question on Quora a couple of days ago: Is there a situation in India like The Big Short movie as there are bi...

29 February 2016 /regulation /wholesale

How Banks Can Increase In-Branch Sales

In his blog post titled The Power of Location-Based Offers in Financial Services, Jim Marous, Co-Publisher of The Financial Brand, highlights how banks can leverage the proliferation of smartphones to make location based offers for cross-selling of banking and other third-party products at their branches. Let’s say a bank implements LBOs and an ex...

21 February 2016 /retail

Privacy Does Not Equal Security

A few months ago, I'd posted the following update on social media: Privacy does not equal Security: Privacy is refusing to give out your mobile #. Security is refusing to give out your debit card PIN #. To which a friend had replied, "You made it so simple!!" Then I thought of bank account numbers and realized it wasn't so simple. If I to...

17 January 2016 /regulation /retail

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