Ideas

Google Pay – The Road Ahead in India

Indian banking system is quite unique in ways beyond one can expect. Though rated as a developing nation, the banking systems in India are quite intuitive and advanced, all thanks to having a majority of the population not equipped with skills needed to operate complex systems. Considering the large population that India has (2nd highest in the world but poised to be the most populated nation eventually), any product built aiming at Indian users mostly banks on high volumes and low margin strategy. UPI – unified payment interface, is yet another break through secure system implemented by NPCI that has witnessed phenomenal growth over the past 3 years.

Google has been the front runner in catering its users with one of the most intuitive apps that has been built on top of UPI systems to enables users for easy P2P transfers and later expanded to a foray of services. As with any growing trends, competitors soon caught up and now Google Pay is being challenged by PhonePe as well as Paytm for UPI payments. Though each one of them still has their own strong points let’s try to discuss the road ahead for Google Pay.

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Brain Fuel: 4. Generic Gift Cards In India

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Enter wedding season and I always ponder over what gift I need to purchase for the gonna be couples. I feel that bouquets are one of the most useless and good for nothing gifts out there. So here comes a simple little idea, why not buy a gift card that can be used across many stores? A simple two level authentication to redeem the gift card – a scratch card kind of code and an SMS authentication that the gift card is associated to – will help people. People can club multiple gift cards and purchase what they really need to!

A simple website that sells generic gift cards where gift card owners have the freedom of opting to redeem the cards at an of the stores that the website is associated with. All the user needs to do is to send an SMS from the registered mobile number to get an authentication code using which he can redeem the gift card at the outlet. Or he can even add it up to his credit balance by logging on to the website and creating an account. Or he can even transfer the gift card money to someone else if needed 😉

Brain Fuel: 3. A Cloud Based Enterprise Reminder App With Push Notifications

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India is a country with citizens who spend invaluable amounts on useless stuff but start acting stingy when it comes to spending on their mobile phone usage charges. I often see people even with smartphones digging for the right mobile plans for themselves depending on their usage and it is quite difficult to browse through multiple layers of multiple network operators sites to find the best plan, that’s quite a tedious task!

So why not build a simple site that consolidates all the available mobile plans available in a selected circle? The website should categorise plans as per factors such as high data usage, high STD calls usage, high SMS usage etc. There should also be an option to help the user select the best plan by asking a few basic details such as approximate number of call minutes used every month, number of SMS sent every month etc, depending on the data a list of best plans should be provided to the user.

Brain Fuel: 2. A Cloud Based Enterprise Reminder App With Push Notifications

brain fuel

Image Courtesy: http://inc.com

How about building a simple reminder app to be used in-house in large enterprises. The main idea is to send notifications to a specific set of employees at a specific moment. A simple use case scenario would be sending a reminder (push notification) 15 minutes before a scheduled meeting to all the employees who are supposed to attend the interview. The control can be given to top level employees with a pre set group of contacts categorised as per teams.

Brain Fuel: 1. A Platform For Events And Sponsors

brain fuel

Image Courtesy: http://inc.com

Brain Fuel – a series of posts that initiate a though process in your brain. I will be covering a few interesting ideas I generally get in my mind but never pursue them further. 

EventAngels: Imagine a platform that enables event organisers to create an event page covering all the event details and also requesting for event sponsorships. Each event will have different category of sponsorships that they are looking for and will mention the kind of benefits the sponsors will get in return. It is more like a kickstarter project page.

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