Author: Kartik Swaminathan

Super-Apps and Fintech

Super-Apps and Fintech

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 eco [...]
Reinventing BNPL

Reinventing BNPL

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 [...]
If BNPL (Buy Now Pay Later), then why not PNBL?

If BNPL (Buy Now Pay Later), then why not PNBL?

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 [...]
3F: Future Fintech Framework (Book overview)

3F: Future Fintech Framework (Book overview)

The evolution of Fintech has happened because of various developments in technology, ecosystem and regulations . But this is not without pitfalls and [...]
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