Musings of a Banker on Macro Economic variables and few other things
This guide provides important perspectives on various macroeconomic variables like GDP, Inflation, Taxation. It provides a framework to help evaluate the importance and impact of policy actions in an economy. The focus is not on definitions but on inferences a banker should draw.
India’s Digital Personal Data Protection Rules: Game-Changer or Growth Killer for FinTech?
Digital Personal Data Protection (DPDP) Rules 2025 can be a double-edged sword for FinTechs in India. Global experience with GDPR’s in Europe showed us the high costs and steep learning curve of compliance but also proved that businesses emerge stronger when they adapt proactively. For Indian FinTechs, DPDP rules offer opportunities to enhance trust and global competitiveness. But the time to act is now!
Driving Global Innovation in Mobile Payments: Lessons from M-Pesa, Venmo, and UPI
Mobile payment systems have revolutionized finance, fostering accessibility, community connection, and economic growth. M-Pesa, a lifeline for millions, stands out as a global inspiration, influencing platforms like Venmo, Zelle, and UPI. Dileep Pandiya shares his experience and learnings from these payment systems,
Payments in Quantum world
Global payment systems rely on encryption powered by mathematical formulas that classical computers cannot solve, keeping stored and transmitted data secure. But the rise of quantum computing threatens to unravel this security, with the potential to compromise payment systems entirely. Sunil Landge delves into the looming quantum challenge and how financial institutions can safeguard themselves for a secure future.
Future of Banking in Metaverse: Challenges and Possibilities
Metaverse offers the potential to revolutionise banking by creating full-service virtual branches, transforming customer service, engagement, and transactions. However, for this to become mainstream, significant technical, regulatory, and economic challenges must be overcome to ensure secure and scalable banking in the virtual world. Amit Balooni explains
Designing Loan Products: A ‘First Principles Thinking’ Blueprint
In Banking, there are no barriers to imitation. Any lender—Bank, NBFC, or Fintech—can easily build a Loan product suite simply by following the leader. This quick-fix works until the inevitable product and portfolio challenges arise. However, for long-term sustainability, you need to innovate, differentiate, and pioneer new approaches while managing risk well. First Principles Thinking is exactly what works here
Hyper-Personalisation in Banking: The Paradox of Customisation
Hyper-personalisation promises to revolutionize banking by creating a “Segment of One” experience, but the path is riddled with complexities. Challenges of execution and technological demands can turn this potential goldmine into a costly misstep. What does it take for banks to truly harness this power?
ONDC: Potential Impact on the Digital Marketplace
Open Network for Digital Commerce (ONDC) is a new initiative in India aiming to transform the digital marketplace by creating an open network for buyers and sellers. One key aspect of ONDC is its dedicated financial services portal, which has the potential to influence how financial services are accessed and utilized within the digital economy.
Bankers, Startups and the problem with Profit
By definition startup is a disruptor. Unless the startup idea is demonstrated to be scalable, there is no fun and sustenance. So, while banks look for ‘profit’, there is a critical mass a startup needs to acquire, much before they think profit.. The banker’s paradigm needs a shift to look at startup finding
7 Things I Have Learned From Startup Founders
In my day to day advisory interactions with new age businesses, including clients, acquaintances, referrals and friends, there is much I have learned. Hope the gist of these learnings will help refine your own thought process while building a #startup