Reliance JioMoney Could Well Be a Disruptor, but Not Just Yet

Reliance JioMoney Could Well Be a Disruptor, but Not Just YetReliance JioMoney Could Well Be a Disruptor, but Not Just Yet


  • JioMoney is Reliance Jio’s digital wallet
  • You can use it to recharge your accounts or pay offline
  • Login issues plagued our usage over the whole week

Reliance Jio wants to empower 10 million merchants to make digital transactions. The JioMoney appwas supposed to roll out to merchants last week, while Jio users have of course been using it for recharges and P2P payments for a lot longer, ever since the test rollout started almost a year ago now.

At the announcement for Jio Money earlier this month, Reliance Industries Chairman Mukesh Ambani talked about how every Indian now has a digital money wallet linked to their bank account. He spoke about Aadhaar based micro-ATMs at Jio’s eKYC enabled stores. Ambani laid out a massive vision for JioMoney, one that could well disrupt the rapid development we’re seeing in the fintech world.

The ground reality is a little different though – we’ve been using the JioMoney app for a week now – or trying to anyway – and our finding is that much like JioCinema and JioMusic, the JioMoney experience is very much a work in progress at this point.

Both of those apps have been tweaked since we reviewed them, and some of the early problems have been resolved, while a few others still remain. A re-branding also involved a rethink of the UX, which was very welcome. Conceivably, it’s possible that Reliance Jio will put JioMoney through the same kind of process as well, because as of now on day one, or rather week one, there’s no doubt that this kind of re-imagining is required.

jio in app jio_in_app

First up, let’s talk about something basic – logging in. To log in, enter your Jio number and password, and then verify your date of birth. This worked a couple of times, and did not work on many other occasions. In short, simply logging in to JioMoney to start using the app is a frustrating challenge, as there are frequent “Error processing request” messages, which is not helped by the fact that – as a genuinely welcome security measure – you can only attempt to verify your account a set number of times per hour.

Once you actually get into the app, there are all the usual options – the design looks a little clunky right now, but that’s true for all of Jio’s apps during their early days, and like we mentioned earlier, there’s hope that this will eventually change. The app lets you send or request money, pay bills and recharges, pay at a shop, along with a section for coupons, and for giving to charity. The last of these is unusual but that notwithstanding, the offerings are pretty much in line with the industry. You should be able to use the app to pay your Jio bills as well, whenever that comes into effect.

Recharges are a smooth process, with little or no issue as long as you’re able to get into the app. You can recharge other prepaid phone connections, DTH connections, gas payments, and so on. You can transfer money to a bank account using IMPS by using its IFSC code and account number. You can use this to take your money out of Jio as well.

jio barcode jio_barcode

Pay at shop via the Reliance JioMoney app requires you to enter the seller’s phone number or scan a code, after which you enter your mPIN to authorise the transaction. This seems to be a workable way of doing this, but unlike other wallets, whose stickers now emblazon shop after shop, it’s very hard to know where you actually can use JioMoney. Although we were very hopeful that we’d have stories to share about using it in the real world, the sad fact is that all of our transactions – in between many logouts and request processing errors – took place online.

In contrast, we’ve used several other digital wallets throughout the week, to buy everyday items, pay for conveyance, and to grab a bite. A week is too short a time to expect Jio to be massively visible of course, but given Ambani’s pledge of reaching 10 million merchants very soon, it’s going to have to pick up the pace very quickly.


Christmas Special: Have you Stuffed these Marketing Technologies in your ‘Stacking’ Yet?

Christmas Special: Have you Stuffed these Marketing Technologies in your 'Stacking' Yet?

Technology has always played a significant role in changing customer expectations about brands and has influenced the buyer behavior. Luckily, for marketers, technology is also creating new areas of opportunity to enhance brand value and drive higher return on investments. By now, you must be aware that marketing technology is capable of automating, streamlining, measuring, and personalizing. As you gear up to usher in Christmas, make sure your enterprise stocking is bedecked with a gamut of must-have technologies that help you provide the experience your customers identify your brand with. With the number of incredibly overwhelming options present today, there will be several solutions customized to your needs. Here’s the must-have martech stack that you must stuff in your enterprise stocking. Wish you a merry building of your marketing technology stack to suit every requirement.

Why you need a mar tech stack?

The right marketing technology stack will ensure that you get in front of a relevant target audience at the right time with an appropriate offer. The term ‘martech stack’ almost sums up marketing’s trajectory in future; most importantly the convergence of marketing and technology. Interestingly, in 2016, the martech landscape almost doubled and there are no signs of the trends changing in 2017. Before you start evaluating the technologies, you need to ascertain your business needs and decide what you want to accomplish.

Let CRM benefit your business

As 2017 approaches, companies need to ascertain how their digital investments will evolve. It is being predicted that investments in customer relationship management software will grow considerably. As sales and marketing teams become integrated further, CRM emerges as a critical resource. By 2017, the CRM market is predicted to be at $36 billion. A CRM solution will help you to gather valuable insights and work smarter. With actionable, real-time insights, not only can you decipher the patterns in sales, but also track the best methods for reaching out to customers. Selling a product is only half the battle. The real challenge lies in delivering personalized and excellent service. A CRM solution allows you to input specific customer information such as customer profiles, customer preferences, and unique behaviors which further shapes your service and sales strategy. Some apparent benefits of using CRM include:

  • Reduced cost of customer acquisition
  • Enhanced customer support
  • Higher rate of customer retention
  • Increased revenue at low cost
  • Holistic view of business
  • Centralized customer interaction

Adopt marketing automation

As digital marketing channels evolve, marketing automation software continues to play an integral role. If used effectively, marketing automation systems will deliver qualified leads as well as provide data which helps close sales. With a marketing automation software, you can expect increased marketing efficiency, enhanced agility, a more holistic view of prospect behavior, and improved lead conversion. One of the most significant assets of marketing automation is increased customer engagement. A higher engagement rate eventually leads to higher retention and drives brand loyalty creating an overall positive customer experience. It has been witnessed that close to two-thirds of the “very successful” companies use marketing automation extensively and even with limited use, some companies witnessed significant results.

Email marketing tools

As we move from one year to another, we predict that email will continue to remain an effective channel for marketers. Close to 73% of marketers rank email as “excellent” when it comes to return on investment. This Christmas add more than just regular profile-based segmentation. Some factors you need to consider are what time of the day do subscribers open your mails and what types of mails do they actually open. Some may prefer more frequent emails while the rest may like few specific mails. Understanding the subscriber’s interest is the need of the hour. Over half of email users usually prefer to open their emails on mobile phones. Most delete a mail in case it is not displayed correctly. Thus, it is essential for marketers to adopt a mobile-first email marketing strategy. For higher engagement, interactivity in emails has already made a debut.

Consider an effective content management system

The future belongs to those marketers who get their content marketing right. Brands have understood the importance of content and how it impacts the bottom-line. To have your brand focus on more structured content while ensuring that it is aligned with your marketing objectives, put content technologies in place that allow for your messaging to be easily communicated across platforms. An effective content management system should cover all the channels. If well-implemented, your content marketing tool will improve user experience, increase the potential for customer advocacy, and drive customers towards conversions.

Social media marketing technology integrations

Social media marketing is here to stay. Now, you can sit back and chuckle at those who claimed that social media marketing is just a fad. However, social media continues to evolve. To achieve your business goals, you must ensure that you keep up with the latest technology that lets your business transcend this world. In 2016, Facebook clearly stood out among the other social media platforms with 1.79 billion monthly active users in the third quarter. Most experienced professionals continue to invest time in social media marketing. Over half the marketers who have been using social media for minimum of two years have reported that it has helped them improve sales. Most marketers plan to increase the use of video marketing in 2016. Two ways in which most organizations have benefited from social media marketing are increased traffic and exposure. In 2017, it will not be enough to target social media ads. To draw the attention of the audience, they must stand out.

Use DMPs to maximize your data’s potential

Data Management Platforms (DMPs) or Customer Data Platforms (CDPs) have become increasingly important for a digital marketer. They help advertisers to build audience segments following which they can monitor the performance of these segments. You need to embrace DMPs if you want to rethink the relationship between marketing and advertising. DMPs are not new, but with personalization being the latest trend, their role is fast expanding.

Create collaborative teams and manage projects better

In the fast-paced world of marketing, it is not easy to manage teams and projects. Marketing organizations today, are fast adopting tools which help in team and project management. The best tools for your business depend on your priorities, team size, and goals. A good marketing project management solution will be embedded with scheduling and task management, file and document sharing features, analytics and reports, custom workflows, and project templates. For managing a project better, online collaboration tools are a good choice. A good team management software enhances collaboration and gives leaders a complete view of the team’s work. Make sure that your martech stack includes the best team and project management tools, which redefine how teams work and ensure the success of projects.

Even as marketing departments decorate the holly, take a close look at these marketing tech stacks. There is no single approach to design a marketing technology stack. As technology constantly changes, you need strategic insights, strong customer focus, and marketing expertise to zero in on the right martech stack. This Christmas could just be the one when you gift your business the tech opportunity to discover new ways of disrupting marketing.


For Honor Is Quite Possibly Ubisoft’s Most Honest Game Yet

For Honor Is Quite Possibly Ubisoft's Most Honest Game Yet

For Honor Is Quite Possibly Ubisoft’s Most Honest Game Yet


  • For Honor looks great
  • Combat is easy to learn and tough to master
  • Cutscenes however, were un-skippable

For Honor was first shown off at E3 2015, and at the time it appeared to be a multiplayer-only spectacle that had knights fighting samurai fighting vikings. The game merged melee gameplay with online functionality, but we felt that it would be better with a single-player campaign.

It appears that Ubisoft has been listening, because at E3 2016 we were treated to a fantastic demo of the game’s single-player campaign, which hinted that there was going to be a lot more in the game than initially met the eye. We checked out one of For Honor’s missions at the Indian Games Expo 2016 and came back rather surprised.

(Also see:For Honor to Be Playable in India for the First Time at IGX 2016)

Our time with the demo showed off a mission featuring knights under siege from another faction of, well, knights. There were a few unskippable cutscenes along the way, and while a few seemed to just drone on, these did a good enough job of exposition. Infighting between the knights has snowballed into a bloody battle, and your job is to stem the tide – mostly by turning your enemies into a messy pulp.From a visual standpoint, For Honor is quite striking, particularly in motion. It doesn’t have the chunky, shiny feel of Ryse: Son of Rome, instead going for a more “worn” aesthetic with realistically proportioned characters. It serves For Honor well, as does smart use of colour options, allowing you to single out an opponent with minimal fuss. Though its cover art might resemble the love child of Skyrim, Crusader Kings, and Total War Shogun, For Honor is much more competent graphically.

The gameplay itself appears simple. You can target enemies, slice them down with heavy and light attacks, and block them as well. The big differentiator is how you block. Rather than being a simple tap of the button, you’ve also got to pick a direction. Get that wrong often enough, and you’ll find yourself dying. Timing also plays a crucial role in getting in as many hits as possible, reducing an opponent’s health to zero.

(Also see:5 Best Games of E3 2016 You’ll Be Able to Buy Soon)

Some enemy types don’t even have health bars, going down in a single blow. That has one drawback, as you don’t really pick up the art of blocking when you’re faced with an infinite number of disposable knights to defeat. It got to the point where picking up health items (or feats, as the game calls them), was an afterthought. Luckily, there are other enemies, particularly bosses, who are worth your respect – and they schooled us in blocking, and patiently timing our attacks. Luckily, feats aren’t just for healing. You will be able to use them to call in artillery strikes, and rally your allies too. It will be interesting to see how this all pans out when the full game hits the shelves early next year, particularly with For Honor shipping with missions that let you play as warriors in its two other factions – Vikings and Samurai.

(Also see:Ubisoft at E3 2016: Watch Dogs 2, Ghost Recon Wildlands, South Park, and More)

While the demo only showcased a sliver of gameplay possibilities, we won’t put it past Ubisoft to add more combat options to the mix. The controls felt responsive and coupled with relatively smooth animations, we’re hopeful that there’s more to expect in the months leading up to its release.

Our time with For Honor was well spent. However our biggest take away was how honest a representation it was, from Ubisoft. In the past, the company has drawn criticism for showing off ridiculously good looking games that the final product did not live up to. This was the case with the firstWatch Dogs and The Division, among others. The demo of For Honor that we saw looked all the more promising because it was running on a PS4, and not on a souped up PC as has been the case in its previous public showings. This makes us believe that what we saw is pretty much what we’ll get when the game hits on 14 February, 2017.

Tags: IGX, IGX 2016, For Honor, PS4, Ubisoft, For Honor Knight Gameplay, For Honor Single Player

Why You Should Care About Four Apps From Apple That You (Probably) Can’t Download Yet

Why You Should Care About Four Apps From Apple That You (Probably) Can't Download Yet


  • Apple introduced iOS 10 at WWDC this year
  • iOS 10 includes several new features like stickers
  • Apple has also overhauled its iMessage app

Apple just released four apps that you probably can’t download yet – but are the first signal of a big shift in the company’s core messaging product.

The apps themselves are four sticker packs from Apple for iMessage that feature different smileys, hearts, hands and some throwback Mac iconography that should delight Mac fans, particularly children of the 1990s.

That bomb icon! The sad Mac! That spray can! It’s just like you finished all the keyboarding tutorial assignments you had to do and now you can use the rest of the computer lab time to fool around in KidPix.

The big catch is that while the apps are on the store now, they’re supported only for iOS 10 and higher. And, if you’ve been paying attention, you know that iOS 10 isn’t out yet to anyone except Apple developers. A public beta period is expected this month but hasn’t started yet.

That means, yes, Apple has released four apps that hardly anyone can use. That’s sort of an odd decision, though one might take it as an indication that the public beta is imminent.

And these goofy sticker packs, while admittedly pretty silly, do represent a part of Apple’s greater ambitions for messaging – a part of the tech world that’s getting increasingly competitive. Because while Apple’s been dinged in the past for not properly jumping on the social-networking bandwagon (Ping ring a bell for anyone?), the wheel has turned to make messaging a major social force. And messaging is something Apple has down pat, in its simplest form.

But Apple seems to want a little more pizazz to compete with other messaging apps, and it’s now willing to open Messages up to other apps and developers to get there. These sticker packs come from Apple but are the first of many add-ons that can be made by any developer.

That change benefits Apple as it looks to keep pace with other innovators in the space such as WeChat. Apple already announced at its June developers conference that it would add a host of features to Messages, including the ability to hand-write notes, to obscure parts of messages and to automatically erase them a la Snapchat. Those in-house features enhance Messages, but the stickers and other apps that tap into iMessage take it from a product to a platform.

© 2016 The Washington Post

Tags: Apple, Apple Messaging, Apps, iMessage, iOS, iOS 10, Snapchat, WeChat