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

Myths About Fintech – Part 2

by Rajesh Kandaswamy  |  December 7, 2015

In my previous post, Myths About Fintech – Part 1, I listed a couple of issues that can result from how one views Fintech. In this post and a later one, I will point to problems caused by how companies address Fintech. These do not imply that you need to throw away your approaches, just that you […]

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Myths About Fintech – Part 1

by Rajesh Kandaswamy  |  November 23, 2015

Fintech has grabbed the attention of the financial services industry, but many smart people differ on what it is and not. That in itself, is not a problem, but I see that many attempt to precisely define it and draw its boundaries. A crisper definition can help our mind deal with it better, but might […]

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Fintech – Are We There Yet? Few Observations On An Active Market

by Rajesh Kandaswamy  |  November 9, 2015

Fintech has captured everyone’s imagination and is in the news a lot more now. My conversations with fintech companies, banks, securities firms, vendors and investors has spiked in the last year on this topic. This interest was quite evident in the crowded Money20/20 conference in Las Vegas recently. Few of my observations on recent movement […]

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What Does A 30-Story High Crane Have To Do With Technology Providers? Power Of Thinking Big!

by Rajesh Kandaswamy  |  October 13, 2015

This crane is expected to play a large role in reducing the cost of a $4 Billion bridge, while making the construction faster and safer. It shows that while scaling incrementally is not a bad thing, it can blind you to alternate solutions that uncover significant benefits differently. A familiar sight for those crossing the […]

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Delivery Excellence Is Not A Strategy

by Rajesh Kandaswamy  |  September 28, 2015

I often ask providers how they plan to grow in the banking and securities market. Most respond by speaking about the strength of their solutions and the abilities of their people. They share that they have used these to deliver successfully at their clients and that they expect to do more of this to grow. […]

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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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