Top Ten Disruptive Technologies
October 21, 2008
Following is Gartner’s list of Top ten disruptive technologies for 2008 to 2012
- Multicore and hybrid processors
- Virtualisation and fabric computing
- Social networks and social software
- Cloud computing and cloud/Web platforms
- Web mashups
- User Interface
- Ubiquitous computing
- Contextual computing
- Augmented reality
- Semantics
What do you think ?
Security vs. Usability
September 23, 2008
I have been using my ICICI bank credit card for over thryears now. I encountered this weird error this morning while paying my bills on visabillpay. (Click image for a larger view)
Alright let me set context.
This is a page which ICICI bank brought up while doing a credit card transaction on Visabillpay. This page asks me to register my credit card online with ICICI bank using a Internet banking pin number.
So I have seen this page multiple times on this site but always opted out as I don’t have my interent banking pin number. So today I did the same thing and opted out of registration by clicking on the “No, thanks Don’t activate my card now” link, but this is the message I got.
“You have exceeded the number of opt-outs for this card. If you decide to opt-out even now then bank will decline your transaction.”
I was astounded. I had no clue of what was happening. The bank never told me that I had a fixed number of opt-outs from registration. Now I can’t pay my electricity and water bills.
Here’s how this scenario could have been handled using better product design
- ICICI bank should have told users the number of opt-outs they have. This could have been in the form of a counter which is very prominent on every registration request screen.
- Educating the user about the advantages of registering their credit card. In fact ICICI bank is mandating this for higher security and to prevent online credit card fraud. Educate your users by telling them the benefits of doing a particular action and then lead them to this action.
- Forgive your users which they don’t do something that’s needed, after all they are users!
- Send users warning alerts as their opt-outs are nearing to zero. ICICI bank has my email address and my mobile number.
- Get customer care to call users.
Forgive, educate and lead to action – simple but powerful.
What do you think ? What you faced this issue ?
Microblogging from DCamp 2.0 Bangalore
July 26, 2008
Folks, I am covering the DCamp 2.0 event happening at ADITI in Bangalore over on Twitter and Friendfeed. To learn more about the event, check here.
No more live blogging
140 characters works much much better.
Follow me over on
Twitter – www.twitter.com/vinodhn
Friendfeed – www.friendfeed.com/vinodhn
and let’s get a discussion going.
To new beginnings!
July 22, 2008
As most of you know, I have finally taken the plunge and decided to join a startup. I will be starting from Monday, 21st July 08 as a Product manager with a stealth mode startup based out of Bangalore.
I am really looking forward to this new gig and am sure that the startup experience is going to be one roller coaster ride with many twists and turns. Above all, I think that it will be a great learning experience for me and can add a lot of value to my career.This somehow seemed to be the perfect time to juggle things up in life and I got a great opportunity.
We have a small team of around 10 people and I am really looking forward to interacting with each of them and for some great times ahead. I will of course miss all the folks from ADITI and the fun we’ve had together.
So here’s to new beginnings, Cheers!



















