Very simplistically put, payment is the movement of money from A to B. And the world is becoming increasingly comfortable with money flow going digital.… Read More »Varying rates of digital adoption across send and receive-sides impact payment-flows
I enjoy coding. While I have a long way to go as a programmer, coding does put me in a zen kind of a state.… Read More »Find what’s really broken before fixing it
“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… Read More »A tale of two cards
Factories and laboratories evoke very different images. With a factory – I am usually thinking the industrial revolution in all its glory – machines, assembly… Read More »Factory and Lab mindsets in product management teams
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… Read More »Quest for Friction Less Experiences
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… Read More »Why so serious ! Need for humor at work
Ask any payment professional, and while they might disagree on what’s the best payment experience, they would all agree that Cash is sticky. And one… Read More »Migrating away from cash is intimidating – Stickiness of Cash Part 2
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.… Read More »Cash is not the enemy – Stickiness of Cash Part 1
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… Read More »Beyond Big Data – A Small and fast data example
As Anshul & I sat listening to the PMs announcement and then all the experts on CNBC, we couldnt help discussing what all must be… Read More »Immediate reactions to the banning of Rs 500 & 1000 notes