Gartner Blog Network

Rajesh Kandaswamy
Research Director
1 years at Gartner
20 years IT Industry

Rajesh Kandaswamy covers the banking industry for technology and service providers. His focus areas within banking include retail banking, credit cards, payments, mortgage, consumer and commercial lending, risk management, and technology finance. His primary technology areas are mobile banking, mobile and cloud payments, channel convergence, digital strategy, big data analytics, core banking, program governance, and outsourcing. Read Full Bio

Google Creates Its Own Parent – What Does It Mean For Technology Providers?

by Rajesh Kandaswamy  |  August 13, 2015

Google announced that they are creating a new parent ‘Alphabet’. Alphabet will be a collection of companies, with Google being the largest revenue generating one among them. Others in the fold are investments in varied fields such as life sciences, smart home, auto, broadband and many others. Google continues to innovate, not only in using […]

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Do You Have A Strategy To Grow In FinTech?

by Rajesh Kandaswamy  |  July 22, 2015

There has been increased interest over the past few years in ‘FinTech’, where technology is used in financial services to solve problems differently or create new services. While FinTech is a broad term, some of these ideas can take business away from conventional markets, create new markets or combine the two. Few key ones are marketplace lending […]

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Time For A Mid-year Review – How Well Have You Addressed The Impact of Digital Technologies?

by Rajesh Kandaswamy  |  June 19, 2015

It is almost the end of June and time for leaders at technology and service providers to take stock of the first 6 months, see what worked and plan any adjustments for the remainder of the year. I wanted to add a few questions to help you evaluate how you have addressed the impact of […]

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User Experience Is Not Always The Key Priority For Technology Buyers

by Rajesh Kandaswamy  |  May 7, 2015

Many vendors highlight user experience as a key element of their offerings. Quality of user experience is an important factor in many technology purchase decisions, but not all. Focus on it in the wrong circumstance can lead to overlooking more pertinent factors. While it is hard to find anyone who says user experience is not important, it […]

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Perils of Traditional Segmenting – Mobile Banking Example

by Rajesh Kandaswamy  |  April 16, 2015

A common question I get from providers is which segment to target among banks. In many cases, they have already decided on segmenting by asset size: very large global & domestic banks, large regional banks and small community banks & credit unions. Segmenting by asset size might be easier since a lot of reliable data […]

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Expansion Into USA Hides The Lack Of A Local Marketing Strategy For Technology Providers Serving The Indian Market

by Rajesh Kandaswamy  |  March 27, 2015

Recently, I visited India to host briefings in New Delhi, Mumbai and Bangalore. I had a chance to meet many technology services providers who serve the banking and securities industry. In these and prior interactions, I noticed a few themes that I would like to share: 1. Growth of Indian banking and securities industry has […]

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Why is pitching for the Wall Street Journal with a full-page advertisement in the…. eh, Wall Street Journal? What does this mean for Technology & Service Providers?

by Rajesh Kandaswamy  |  February 27, 2015

While flipping through the journal today, I noticed this full page ad. My initial reaction was why preach to the converted. Then it struck me that this campaign is done cleverly with a good understanding of their customers and prospects.   The WSJ can break the market into three: 1) those who subscribe (whether they […]

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A Great Client Engagement Not Turned Into A Great Case Study Is A Wasted Opportunity

by Rajesh Kandaswamy  |  February 10, 2015

As I listen to many services providers who serve the banking and securities industry, it strikes me that the messages rarely do justice to the work they have done at clients. A typical provider presentation has the following sequence – view of the industry, themes for the future, function/technical capabilities, frameworks, their people followed by […]

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Are You Doing Enough To Find Business Buyers?

by Rajesh Kandaswamy  |  January 23, 2015

In my recent webinar, Market & Technology Trends in Banking, NA, 2015 (available on-demand), for technology and service providers, I held a poll to get their opinion of involvement of non-IT buyers in technology purchases at banks. Nearly 4 out of 5 participants (79%) said they see more buyers and functions involved now compared to 2 years […]

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P2P & Small Business Lending Platforms

by Rajesh Kandaswamy  |  July 24, 2014

  P2P lending is growing rapidly while companies that use big data in lending for small businesses have emerged.  Lending Club and Prosper are the largest P2P lenders in the US. CAN Capital and Kabbage are two of the leading small business loan providers. The next step in P2P lending evolution could be serving small […]

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