Reality Bytes Archive

Customer Journey is the new X-Factor….

This thought has been cooking in our minds for a while though, not quite as crisply stated as above. From a word cloud standpoint in this space – user experience, customer experience,

Extend Product as a Platform with Purpose

In the recent past, we have observed that the Banks are in a dilemma whether to procure products from a product vendor or get a platform vendor to build features based on

Customer Experience – Small and Big Wins

Customer Experience defines the engagement model for any business – not sure why this thought entered my mind, as I was at a Drive-in ATM. As I collected the cash and was

Blockchain for Dummies – Part 1

Have you ever wondered why your biller sends you bill payment reminders even after you have paid their bill via a third-party app or website? Have you ever gone through the embarrassment

UPI – The payments engine for Digital India

August’16 has been a watershed month for payments in India. It is the month when Unified Payment Interface (UPI) was launched to the masses. NPCI’s UPI is going to change the payments

Business Intelligence – The death of Segmentation

“Data! Data! Data! I cannot make bricks without clay!”…no one could have put the problem more succinctly than Sir Arthur Conan Doyle, through his master creation, detective Sherlock Holmes. He has saved

Corporate Banking: Complexity to Singular Simplicity

In one of the conferences I recently attended, I bumped onto Head of Transaction banking in a leading bank in the middle east region. He being a Cash Management Practitioner, we immediately

Community Banking – Banking’s own Graph API

We are living in the times of intersecting relationships. The world has become a closely knit, well networked entity, with each individual getting connected to the other in different ways. Advent of

The Second Mover Advantage

What is the Second Mover Advantage… An example in the Automobile sector is Tesla Motors, founded in 2003 in the Silicon Valley by a group of engineers to launch electric cars. In

Customer Experience is “NOT INCIDENTAL”

Does Starbucks sell coffee? What a silly question … of course they do!! Well let me ask you again, ‘Does Starbucks sell coffee?’ Think again. If coffee is what they sell, then