Hari Subramanian
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You  think  mobile  screens  have  gotten  smaller?

Wait till you see flexible screens. They will get much bigger than you can imagine ! I like screens that I can adjust the size as needed by simply stretching or contracting with fingers and the screen can auto adjust resolution, brightness, and contrast while maintaining the aspect ratio !!

Finextra blog: Is there a case for utilities in blockchains?

2/8/2016

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Read this finextra blog if you are interested in blockchains. It addresses a central question that many people are asking - will there be intermediaries in the blockchain world which is supposed to empower peer to peer cutting out middlemen.
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Achilles heels of payments, cash and batch - will they disappear?

10/24/2015

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While everyone is talking about real time and digital (electronic) payments, read this contrarian blog on finextra.
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Digital Banking: Where it falls short

7/30/2015

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This blog highlights some of the challenges faced by banks in bridging the consumer experience between digital and branch channels. It also gives recommendations for beating the upstarts with clever design of user experiences involving appropriate channel choices based on sophisticated customer metrics and segmentation.

Click here to read this Finextra blog on examples related to shortcomings of digital banking

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How many apps for your mobile payment needs?

3/6/2015

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This blog is really a follow up to my previous blog on Apple Pay. I received quite a few comments and questions for my previous blog suggesting that Apple Pay doesn't have to satisfy all my mobile payment needs. Other apps could fill in the gaps. 

So in this Finextra blog, I focus on ramifications of using multiple apps for your mobile payment needs and a new framework for thinking about integrating multiple payment apps. Click here to read.
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Why am I not content with Apple Pay?

2/11/2015

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For some contrarian views on Apple Pay, read this blog.

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Apple Pay is here. Ka-Ching NFC POS Sales? Not so Fast

9/11/2014

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Finally, it is good to be back after some break due to hectic schedules with a new job. Apple Pay convinced me to break my long silence and I ended up writing two blogs instead of the usual monthly one.

If you think Apple Pay is going to boose NFC POS sales, you should read this blog first. See the Finextra blog "Apple Pay is here. Ka-Ching NFC Sales? Not so fast".

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Card Present or Not Present?

9/10/2014

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Finally, it is good to be back after a long silence due to hectic schedule and a new job. Apple Pay made me break the silence and motivated me to write not one but two blogs. Here is the second one. See above for the first one.

When plastic cards become digital tokens and sit inside mobile phone or cloud wallets, how do you say card is present or not present? Read this blog for interesting implications on interchange rates for CP and CNP transactions in the future. Card Present or Not Present?

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Finextra blog: Ready for the Paradigm Shift in Payments during Shopping?

6/19/2014

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Click here to read this blog that discusses the change in payments during shopping - from verifying the originator of the payment to the recipient of the payment. It has profound implications for all players in the payments ecosystem.Finextra blog on paradigm shift in payments

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Finextra blog: Payment security in USA - EMV vs Mobile Payments

5/15/2014

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This blog was published in Finextra. After recent high profile data breaches in retailers such as Target, some have resorted to EMV at the POS for security. This blog analyzes the pros and cons in the alternatives for payment security in USA:
  • Play catch up with other countries by adopting EMV
  • Adopt mobile payments at the POS as well as online while transforming the store shopping experience
Click here to read the blog.

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Innovation Insights feature: Mobile Payments or Integration - Which is hotter?

3/16/2014

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Innovation Insights featured another one of my blogs. 

Although mobile payment technologies are promising, this blog argues that mobile channel integration with online and brick and mortar channels has the potential to grow more revenue and engage consumers for retailers and financial institutions. To read the blog, please click here.

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    Author

    I am a Management Consultant in Banking and Financial Services. Check out my "home" and "about" pages for more details.

    Note: Opinions expressed here are my views. They do not represent the views of my employers, present or former.

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