GUESTS’
Other voices on banking.
Practitioners, researchers, and observers writing on the rational absurdity of financial institutions.
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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…
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Why MSME Bank is a Bad Idea: Better Banking over More Banks
The idea to establish an MSME-focused bank in India seeks to address the long-standing credit gap faced by nano, micro, small, and medium enterprises. While the idea has merit, it…
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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…
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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…
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India’s FinTech Lending Revolution: A 2023 Review and What Lies Ahead in 2024
In summary, 2023 was a transformative year for India’s FinTech lending sector, marked by regulatory shifts, technological advancements, and a significant increase in digital lending. Looking ahead, 2024 promises further…
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Accelerating Financial Recovery: Leveraging ODR in the Banking Sector
By aligning Online Dispute Resolution processes with the principles outlined by the RBI, Banks and financial institutions can navigate disputes efficiently, reduce recovery time, and bolster customer trust.
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De-Dollarisation and its Impact on Indian Economy
De-dollarization refers to the gradual shift away from the dominance of the U.S. dollar in international trade and finance. Many countries, including India, have been exploring ways to reduce their…
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Crypto Revolution: Transforming India’s Financing Landscape for SMEs and Startups
Despite India ranking third globally in unicorn valuations, the startup ecosystem faces challenges in securing sufficient funding for growth. Traditional avenues often fall short, necessitating innovative solutions. Crypto IndiaStack proposes…
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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…
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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…
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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
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The Pandemic – Supply Chain disruptions and lessons for SCF practitioners
Pandemic has disrupted the Supply Chains. This brings both challenges and opportunities for industry as well as Supply Chain Finance practitioners including Fintechs. However, its the technology that will drive…
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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…
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Financialization of Housing in India – Boon or Bane?
India faces a peculiar situation where homes lie vacant and held as a form of speculation whilst housing is not available to the needy. Financialisation has led to overvaluation of…
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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 explains
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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…
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How many Credit Covenants are necessary in a Sanction Letter?
While there are no set parameters on how many credit covenants should be there in a Sanction Letter, one has to keep in mind that ratios tend be inter-linked. One…
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Loan Agreements: A contract between unequals!
Bank Loan agreement had been written ages ago. There are innumerable archaic clauses that may be unjustifiably invoked, without assigning any reasons under the guise of ‘early warning signals’. This…
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Digital Customer Engagement– Trends & Practices in Banks
Digital or remote Customer Engagement is the way forward. To remain step ahead, banks need to have a better view of digital customer experience and understand how it will evolve…
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RBI empowers CRO office: Endeavour to make NBFCs bullet proof!
In a recent circular RBI has made a high decibel statement about the CRO’s independence and has put a lot of onus on the boards of NBFCs. Importantly, CRO office…