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!
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?
The Digital Trap: What Deflates a Bank’s Push for Digital Change?
Banks are diving headfirst into the digital age, eager to revolutionize their operations with cutting-edge technology. But beneath the sleek, modern facade lies a hidden “digital trap”—a complex web of outdated systems, spiraling costs, and endless customizations. This article uncovers the unseen challenges that deflate a bank’s push for digital change.
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.
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 growth and innovation, though not without its set of challenges
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
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