The Fall And Rise Of Bank BNPL

No, there's no typo in the title. In the past, whenever I bought a fridge, washing machine or any other white good item from this leading electronics chain, I'd settle…

Evolving Acceptance Heuristics For AI

The other day, someone complained that ChatGPT did not follow his instructions. Ansh Agrawal: Is it just me, or has ChatGPT become worse at following instructions? I told it to…

Monopoly Shonopoly

People throw around the M word too freely. Whenever a company increases its price, behaves arrogantly, sucks at customer service, or acts in any other manner against the consumer's proximate…

Why Are Cash Deposit ATMs Rare?

(This post is a slightly edited version of my answer to the above Quora question.) Equating the cash handling capabilty of a vending machine with that of an ATM is…

Pune Metro Third Impressions

I described ticketing problems with Pune Metro in my previous posts titled Pune Metro First Impressions and Pune Metro Second Impressions. I experienced another ticketing snafu on my third trip.…

My Two Cents On PayTM Kerfuffle

PayTM is the first digital payment product I've used at scale in India. When RBI enforced the two factor authentication mandate for online payments, bill payments became a major PITA.…