Curious Log

Wribhu

A tale of two cards

“Building a visionary company requires one percent vision and 99 percent alignment.” —Jim Collins and Jerry Porras, Built to Last And I believe the alignment needs to show not in…

2019
Factory and Lab mindsets in product management teams

Factories and laboratories evoke very different images. With a factory – I am usually thinking the industrial revolution in all its glory – machines, assembly lines, robots, workers,…

2019
Quest for Friction Less Experiences

Yesterday, I got to experience the WhatsApp payment flows. It surely felt like a neat friction-less experience both for adding/mapping bank accounts and for in-chat payments. And in…

2018
Why so serious ! Need for humor at work

This happened yesterday – We settled down for a discussion first thing in the morning and a colleague says- smile guys, its a good day! But, it was a spirited discussion…

2018
Cash is not the enemy – Stickiness of Cash Part 1

Why is cash so sticky in our society? Many of us have argued for the need to build convenience, security and ubiquity for digital payments. And then cash…

2017
Beyond Big Data – A Small and fast data example

Big Data is all the rage. Everywhere you go, any meeting or presentation one sits through, Big Data seems to be there. But there are opportunities beyond big…

2016
Immediate reactions to the banning of Rs 500 & 1000 notes

As Anshul & I sat listening to the PMs announcement and then all the experts on CNBC, we couldnt help discussing what all must be happening around the…

2016
Good rules should be designed for higher adoption

How do we drive adoption for rules in a community, or even at a country level ? Should a good rule be designed to make it easily enforceable…

2016
Search Vs Social – the long tail of ad revenues

Google and Facebook together took away 64% of the total US online advertising spends. And Facebook had around 65% of the overall online display ad-spends. These are incredible…

2016
Unit Economics in the times of Auction Marketing Models

Unit Economics is all we hear these days in the consumer technology world. Unfortunately for many start-ups seeking venture funds, this is the biggest hurdle they need to…

2016
Public policy, ripple effects and feedback loops

I have always been intrigued by product design and by extension policy design (& implementation). If the government were to look at itself as a start-up technology venture,…

2016
Payments are a critical piece – Digital Banking ToolKit

In India, digital and mobile Payments is a really HOT space right now. HDFC Bank introduced PayZapp which intends to be the gateway for all m-commerce transactions, with…

2016
Marshmallow Test and Insurance Marketing

I spent the last week reading up “The Marshmallow Test by Walter Mischel”. And while the book is a fascinating summary of key findings (and some of its…

2016
Showing Contact Addresses in Google Maps

Quick Summary: Here’s a small product feature recommendation for Google Maps on Android. Currently when I am in Google Maps and typing in the search box, it throws…

2015
Thin Mobile App or a Fat one – Digital banking toolkit

Mobile is the new frontier and banks know this well. Amongst the various choices to make as part of the bank’s overall mobile initiative, is the decision around…

2015
SMS is reborn as an acqui channel in the Smartphone age

In the early days of Deal4Loans, we used to get a lot of traffic and leads through SMS campaigns. Especially for products like Personal Loans (Simple pitch and…

2015
3 tips for New To Bank Acquisitions – Digital Banking Toolkit

Why Online Acquisitions Acquiring New To Bank (NTB) customers is a key agenda for most Digital Heads at Banks. Its only logical that online acquisition budgets are getting…

2015
Easier to be Krishna than to be Arjun

The other day, my mom shared a powerful and thought-provoking quote, that she had just read. It’s easier to be Krishna, than to be Arjun !! And she…

2015