30, August , 2015


For those of you who dont know: Contactless payment systems are credit cards and debit cards, key fobs, smart cards or other devices, including smartphones and other mobile devices, that use radio-frequency identification (RFID) or near field communication (NFC) for making securepayments.

As you all know Apple Pay, Android Pay, and Samsung Pay – will should be available in the U.S. by the end of September. Android Pay should be anytime soon or early September, but we do know many of the Android Pay partners have begun promoting it. Samsung Pay is officially arriving September 28th. Since Apple Pay has been the major contactless payment provider available for quite some time, this marks a big change for the entire contactless payment and mobile wallet industry. And it’s a change that should be good for everyone.

There has been much talk about but there have been a very few adopters. This is dues to the unending circle of people waiting for each other. Vendors waiting for the the customers to start using the tech and customer waiting for the vendors to implement it. This inability to capture the market by one bran has let to competitors which actually might make the adoption of this tech much easier and faster. If you have a brief look at the market shares it will give us an idea of who will get there first and the fastest. It also give us a glimpse into a possibility of contactless payment actually spreading globally much faster then it would have been with a single brand dominating the market.

Android dominated the market with a 78.0% share. Samsung, a #1 contributor, managed to increase its volumes quarter on quarter with strong sales channel, wide product portfolio, and particularly a greater focus on low-midrange devices. However, it was still down year over year by 8%, unlike the other top Android players such as Lenovo, Huawei, LG, Xiaomi, and ZTE which ranged from flat to 28% YoY growth.

iOS saw its market share for 1Q15 decline slightly to 18.3% with 61.2 million shipments. Given the post-holiday seasonality, Apples follow-up quarter appeared strong and was in itself surprising. It enjoyed success thanks to consumers insatiable appetite for larger screened iOS devices in many key markets including Greater China, even though Chinas overall year-on-year market growth in the quarter flattened significantly.


Mobile payments have already led to an increase in tips at restaurants and analysts are predicting that it will cause a rise in spending just as credit cards did. And that isn’t the only thing that will help your business make more money through contactless payments. You can also move your loyalty and rewards programs into the mobile wallet. Research shows that 57% of US online adult smartphone users are interested in having access to loyalty program points and rewards within a mobile wallet. So far it seems that consumers are simply responding better when their buying experience is intertwined with their mobile phone. Time will tell the full effect that contactless payments will have on consumer behaviour, but as the big 3 force retailers to adopt, it doesn’t appear that contactless payments are going away anytime soon.

8, August , 2015


We have recently moved into our new studio in Mumbai after having reaching our housing limit in the previous office. Six months into business and we are already expanding. Outsourcing as an industry was big in the 2000s but its hit by a new wave of evolution. Some of the major companies have been hit hard and are shifting gears to accommodate requirements. In big organisations its rather hard to pivot or evolve. They are definitely trying to do all they can but do they have the time they need?

Fast forward to the 2014/15 startups, they are motivated, small sized and pack a real punch. They are nurtured in tech and bloom in the cloud. This makes them flexible. Mritunjay Singh, operating chief of outsourcer Persistent Systems, predicts a “bloodbath” in which only nimbler companies will survive. This made me run a define nimbler on google, not because i did not know what it meant but more for the use of the work in a tech-tual context and the fact that i like to google almost anything :). Here is what i found:

And here is what hit me Agile. Agility is a problem when your 5000+ employees, agility is a problem when youve got processes Its a problem when employees have been doing the same thing for years and are not used to change. Flexibility is a dream here. Not able to to be flexible enough is leading to a drop in the global outsourcing deals.

This is quite a huge problem for India as outsourcing accounts for 20% of its exports of goods and services. But does this mean that startups have the upper hand? “In 2000, the services business was disrupted by the introduction of offshore players who could outsource functions better than others,” said Persistent’s Mr. Singh. “We see the current disruption playing out in a similar way.…Some companies will do well, others will fail.”


Sources: Google, WSJ,

14, April , 2015


As the name suggests im trying to swing at skype. Not really but for some reason i feel like skype is that big antique table that sits in the corner for years and the only reason why its not in the junk is because of the wierd feeling that someday you might need it.

There are an array of new services out there that have potential. So why is skype still in the market? To be honest when microsoft bought skype they were in a bit of a slump and i though the service would drop from what it was but to my suprised it survived. Other than  pulling this new product into their profileand adding a few features to i have not seen any big improvements to tackle todays challenges.

Then we have slack. Slack does not have audion and video but its a pc version of whats app. The sync between devices is seamless and the channel system increases productivity  specially when working with a medium large team.

The bottom line is that im moving all team collab and management from skype to slack.


10, April , 2015


A part of being Goan is the ability to enjoy coconut water , whenever and wherever. Thats if your in Goa, and that may be limited to the summer as well.

But look what i came across in the gas station.

7, September , 2014


Last week i had the chance to signup for a talk by Patric Hoffman from Google. The title was very unique and peaked my interest What Technical writing taught me about design. I thought to myself How could technical writing have anything to do with UI today but as we all know the inspiration for good design can be found anywhere and in almost anything. 5 mins into the talk i realised that this guy was actually making a lot of sense and he was instrumental for the textless based instruction manuals that were published by HP. After HP he joint google which was as you all remember looked like this:

He went on to refining their style and was put onto the maps project. How i love the way the google maps have turned out today. And if you remember the gradual change that occurred over time some of would would definitely agree that the transition was so subtle you would not have know that they were using us to test out new functionality and features while launching new variations of the maps.

Yes! What was really interesting about the talk was the way Google determines what good design is. Although the dont disregard the gut feeling, good design seems to be number based. If 70% of the people seem to react to sunflower designs then its sunflower designs they would go for. Google has the most amazing ways of testing design.

He went on to talk about the way google was running tests on the Android version of the car navigation system that they also spoke about in the Google IO. Very interesting! He also talked a lot about usability and user experience and basically debunked the demographic method to design and gave us a more universal approach to what people like and what people expect from an interface. Below are the takeaways from the talk:

All in all, great talk and i recommend heading out to one of Partics talks if hes in town!

1, September , 2014


There a lot of people out there who get their apps rejected. Unfortunately i have never experienced the same but i think this is something really helpful to share with you guys. I have head of people saying you got to do this to get your app accepted and if you dont do this your app wont be approved.

To clear out the air and bust some myths here are a few stats from apple. The stats are form August 2014.


1, September , 2014


I was first introduced to trello the summer of 2012. It was a suggestion that came from the brother of a close friend. We were kicking off our first startup and needed a collab tool.  As a newbie who loved excel and had little idea of what the scrum methodology was i did not seem to find it too usefull. It also had quite a special layout and a peculiar design. Lets just say it wasnt the picasso i was looking for. I ripped it apart and decided to move onto getPocket and excel.

In the winter of 2013 we were back to kicking up a new startup, here money was of the essence so we were after the best tools that did the job for free. I came across trello this time and out of all the tools out there Trello offered me the most flexability. I soon dragged collegues, friends and later other employees onto it. Trello has now earned itself a major role in the way projectm management works.


30, August , 2014


Here is another .sketch freebie. Working on a new application. This is the chat screen for that. Any feedback is wonderful and if you feel the need to remix that be my guest!




29, August , 2014


I have been living with a misconception that Magento was the leading platform for eCommerce websites. Then i stumbled upon a site called Built With which aggregated as many commerce platforms as they could to get a more realistic image of the technologies used. Built With lets a use punch in a website and the tell them exactly what technologies have been used on that site. You can see information about plugins, platforms, code even adwords and analytics.

What was even more amazing was when i stumbled upon the commerce trends. Above you see that Magento has just a 10.26% while Woo Commerce has an insane 18.75% But that can mostly be explained by the fact that WordPress is proven the most used CMS platform out there. It almost single handedly beats down the rest combined.

These are amazing metrics and built with has managed to do an amazing job here. You dont need to read long blog posts about which technology is better then the other, you just need to run a filtered search to what successful people in your industry are doing and then make your choice.

25, August , 2014


I just came across this amazing video on youtube and decided to share it on. If your a startup or at a pivot in a startup this is something that can help get you through that phase. I have always loved to listen to Guy Kawasaki and read his book. Short, concise and power packed is a way I would describe anything done by him.

Guy Kawasaki at TEDxBerkeley 2014: Rethink. Redefine. Recreate. His talk is titled The Art of Innovation.

Guy Kawasaki is a special advisor to the Motorola business unit of Google. He is also the author of APE, What the Plus!, Enchantment, and nine other books. Previously, he was the chief evangelist of Apple. Kawasaki has a BA from Stanford University and an MBA from UCLA as well as an honorary doctorate from Babson College.