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Ketharaman Swaminathan

Why ChatGPT Won't Kill Coders

In Will ChatGPT Kill Coders?, we examined many demand suppressors that threatened to kill coders' jobs. We also alluded to DEMAND STIMULANTS, which work as counterweights by boosting demand for coder...

25 Jan 2024
Ketharaman Swaminathan

How AI Can Take Readability Of Bills And Statements To The Next Level

In Bills And Statements Are Hard To Decipher, we noted that it was very hard to read bills and statements from banks, ecommerce companies, retailers and other industries. We took two examples and did...

10 Jan 2024
Ketharaman Swaminathan

Will ChatGPT Kill Coders?

While building the new website of my company, I asked ChatGPT for code for the following responsive design elements: 3 images side by side Table with 2 rows, first row with 3 images, second row with ...

05 Dec 2023
Ketharaman Swaminathan

Unpacking Embedded Finance From Consumer POV

Whenever a new term enters the hype cycle, it's fashionable for people to bandy it about all the time, sometimes correctly but most of the time loosely. Embedded Finance is one such term. In this post...

23 Nov 2023
Ketharaman Swaminathan

Why Are Bills And Statements So Frigging Hard To Decipher?

People regularly complain that it's very hard to decipher bills and statements from banks. Rant from Quora: Why are the description info on Bank Account Statements so confusing? We cannot find what i...

31 Oct 2023
Ketharaman Swaminathan

Consumer Credit Ratings Should NOT Get More Personal

In a recent op-ed entitled Credit Ratings Need To Get Personal in the Economic Times, the authors compare corporate credit rating and consumer credit rating and make the case for enriching consumer cr...

16 Oct 2023
Ketharaman Swaminathan

Calling BS Of Bank Fintech Partnership

Fintech came into existence with the charter of disrupting traditional banks. It sought to achieve its mission by democratizing finance with modern technologies and superior customer experiences. The ...

19 Jul 2023
Ketharaman Swaminathan

Calling BS On Banks Privatize Profits And Socialize Losses

I first heard the meme "Banks privatize profits and socialize losses" soon after some banks were bailed out during the Great Financial Crisis of 2007-8 in USA. The narrative was, when banks ...

02 May 2023
Ketharaman Swaminathan

ISO 20022: Waiting For Godot Moment In Finance

Limitation in field length of payment messages causes endless number of problems in electronic payments. Let me give a few examples: I was unable to fit the payee name MCS MERIDIAN CLIENT ACCOUNT HOU...

17 Apr 2023
Ketharaman Swaminathan

How To Fire Developers And Assemble Software From APIs

A few years ago, I'd visited the South Indian temple town of Tirupati with my family. On the way, whenever the train stopped at a station, the engine was switched off. But the air-conditioning still w...

01 Mar 2023
Ketharaman Swaminathan

Shortselling For Normies

(This is a commentary on how shortselling works and not a guide to carry out shortselling.) I recently posted the following update on social media: @s_ketharaman: Startup Idea: Hindenburg Research of...

16 Feb 2023
Ketharaman Swaminathan

Three Strike Rule To Eliminate Cybercrime

In his ET WEALTH column entitled If it seems too good to be true, it probably is, Dhirendra Kumar describes the following asymmetry between victims and perpetrators of cybercrime: "Individual vi...

01 Dec 2022

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