Building a Fintech? 8 Counter Questions to Avoid Strategic Blunders
A workable Strategy for a Fintech requires a balance of creativity grounded in basics. I share a 3 line gist of some 8 long and interesting conversations with Fintechs with the hope is that this triggers some introspection and helps refine their strategy
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 ecosystem of value-added solutions aimed at meeting various needs of your community, writes Kartik Swaminathan
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 and the emerging digital ecosystem
Banks & FinTechs: Switching the default experience
Moving from competition to collaboration; we are now living in a world, where the Banks-FinTech relationship is not only surviving, but also thriving
RBI Guidelines on Regulation of Payment Aggregators and Payment Gateways
With the Indian online payments market anticipated to reach $1 trillion by 2023 ,it is no surprise that the RBI has opted to act and chosen full and direct regulatory supervision of payment intermediaries – Payment Aggregators and Payment Gateways. A quick look at the RBI guidelines
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 challenges. There is, therefore, a need to put all these actions & development in perspective and develop better situational awareness. Kartik Swaminathan shares key insights from his book 3F: Future Fintech Framework
Two sides of digital transformation in Banks: ‘Digitise’ vs ‘Digitalise’:
When it comes to success in Being Digital, the difference is in the approach a Bank takes. Simply converting a paper to online form wont do. We differentiate the tactical and limited ‘Digitise’ mindset from a more strategic and expansive ‘Digitalise’ Thinking. Amit Balooni shares his perspective
Payday Loans – Boon or Bane?
Payday Loans is still a nascent category in India. But digital Lenders are finding their feet and formalising the segment. Mrityunjay Shahi explains Payday lending fundamentals and its pros and cons.
Digital Lending: The missing piece of puzzle
The recent RBI notification, seems to be nudging Digital Lenders to be more transparent. But a pertinent question to ask may be ‘Who are these digital lenders that RBI wants to regulate?’ Amit Balooni evaluates the missing pieces
Can Credit Scoring replace Judgemental Lending?
With all the excitement in the last decade about data and credit scoring, there are some areas that may still need the human skill tom judge credit risk. Amit Balooni explains the criteria for retaining judgement in lending.