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PINless Card Payments – Innovative Or Harebrained?
I’ve been asked many times to weigh in on the new PINless regime for credit and debit card payments in India. Most recently it was on Quora, where I was asked to answer the following related question:...
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Britannia World Cup CEM – Low Budget Campaign Or Outright Scam?
Britannia recently ran a Customer Engagement Management campaign for its NICE biscuit. Like any typical CEM campaign, the BRITANNIA KHAO WORLD CUP JAO campaign required consumers to find a promo code...
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Why Banks Will Never Catch Up With Fintechs
Banks are way ahead of Fintechs in terms of revenues, profits and customer numbers. To that extent, the “catch up” in the context of this post refers solely to User Experience of websites, mobile apps...
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How Does Google Maps Know About Traffic Conditions In Realtime?
When I was in Germany in the early 2000s, all questions of distance would receive answers in time. That too, without traffic and with traffic. For example, if I asked a customer I was going to meet,...
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How Does Turn By Turn Navigation Work?
A turn-by-turn navigation system is a combination of hardware and software that provides an automobile driver with one or more motorable routes between Point A and Point B on the surface of the Earth....
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Don’t Go Global Without Cracking The Value Proposition For Foreign Markets
We regularly come across founders of software companies who have achieved a certain degree of success in India and now wish to take their product global. This is a perfectly sensible strategy because...
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Banks Have Not Lost The UPI Plot
The common man hears about Google Pay, PhonePe and PayTM while making UPI payments – rather than State Bank of India, HDFC Bank or ICICI Bank. Ergo there’s a popular belief that banks have lost the UPI...
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Interoperability – The Sole Loser In UPI
We ended Banks Are Not The Losers In UPI on a sobering note: Sadly, interoperability has been given the short shrift in the way UPI has actually developed. In this post, we’ll see why interoperability...
View ArticleHow To Revive Interoperability In UPI
In Interoperability – The Sole Loser In UPI, we saw why interoperability has been compromised in UPI. In this post, we’ll explore ways to revive this noble goal. —– Some people advocate education...
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Why Doesn’t UPI Provide Any Fraud Protection?
There’s a lot of buzz around cybercrime. Not a week goes by when we don’t hear of somebody or the other losing money to scammers and fraudsters via UPI. Let’s consider the following ubiquituous...
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