Author: Kartik Swaminathan

Kartik Swaminathan is the Author of 3F: Future Fintech Framework. He brings with him over 20 yrs of experience in successfully Ideating, Creating & Delivering, Innovative Products, Solutions & Processes in Fintech space. Kartik is an avid Fintech enthusiast and Founder at Fintastech.in, where he consults on Product and Go-To-Market in Fintech. He can be reached at – futurefintechframework@gmail.com

Banking Technology

Super-Apps and Fintech
Kartik Swaminathan May 1, 2022March 14, 2026

For an App to be a Super App, one needs a sizable community of users who frequently visit and use the app. This can then be leveraged to create an ecosystem of value-added solutions aimed at meeting various needs of your community, writes Kartik Swaminathan
Lending Logic

Reinventing BNPL
Kartik Swaminathan March 5, 2022March 19, 2026

As BNPL business grows, it is also facing some challenges. It is important for players to make it as frictionless and wedded to the customer’s journey and the emerging digital ecosystem
Lending Logic

If BNPL (Buy Now Pay Later), then why not PNBL?
Kartik Swaminathan September 17, 2021March 14, 2026

We have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, why not also have PNBL – Pay Now Buy Later. Kartik Swaminathan explains