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• Case | HBS Case Collection | 2013

  Eko: Mobile Banking and Payments in India

  Sunil Gupta and Rachna Tahilyani

  Citation:

  Gupta, Sunil, and Rachna Tahilyani. "Eko: Mobile Banking and Payments in India." Harvard Business School Case 513-053, March 2013.

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• Article | Harvard Business Review | March 2013

  For Mobile Devices, Think Apps, Not Ads

  Sunil Gupta

  Many companies envision mobile ads becoming an integral part of their communications strategies. But there's a growing consensus that ads don't work on mobile devices; consumers just don't like them. Instead of creating tiny banner ads, smart marketers will turn to apps to reach customers and engage them. Effective apps will do one of the following: (1) Add convenience. Banking apps, for example, let people pay their bills online, and airline apps let them check in and monitor the status of their flights. (2) Offer unique value. In South Korea, commuters can use an app to order groceries while waiting for their trains. (3) Provide social value. Apps on Facebook and other sites let users send gifts to their friends. (4) Offer incentives. Apps that give away mobile minutes, for instance, can entice customers. (5) Entertain. Red Bull and other companies have devised popular games focused on their brands. "Mobile advertising" is often a hollow phrase, but mobile apps can enable marketers to communicate with consumers in a format that enhances their lives and offers long-term value.

  Citation:

  Gupta, Sunil. "For Mobile Devices, Think Apps, Not Ads." Harvard Business Review 91, no. 3 (March 2013).

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• Article | European Financial Review | February–March 2013

  The Mobile Banking and Payment Revolution

  Sunil Gupta

  Mobile technology is revolutionizing the global banking and payment industry. It offers new opportunities for banks to provide added convenience to their existing customers in developed countries and reach a large population of unbanked customers in emerging markets. However, banks face significant challenges as new players enter these markets and change the ecosystem of the industry. Although no single model has been successfully imported from one country to another due to significant country-specific differences in the regulatory financial infrastructure and customer needs, financial service firms can learn some lessons from the limited success of current approaches to design their strategy in this exciting area.

  Citation:

  Gupta, Sunil. "The Mobile Banking and Payment Revolution." European Financial Review (February–March 2013), 3–6.

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