Do not offer standard UI to Expert and Novice.
We are moving towards industry 4.0, but for #DigitalFinancialServices we are still producing mass market and off the shelf products […]
Efficient Payment, Inefficient Refunds. Can we improve?
We have been focusing and pushing for #InstantPayment and transfers, and to much extent we have achieved it as well. […]
Enough of Digital Payment Tools in India. Now we need following..
We already have enough #Payment acceptance tools In #India, like UPI, BharatQR, NCMC, Aadhaar Pay, RuPay, NETC, NACH etc. We […]
Video, Vernacular and Voice (3Vs) next big things to focus on
Video, Vernacular and Voice (3Vs) are next big three things to focus on. It will add new customer segment to […]
Apple Card in India.
My take on #AppleCard. The card will increase customer stickiness, allow Apple to earn credit card issuance fee from #GoldmanSachs […]
Cheque Vs. UPI to open new bank account.
By when we will be able to phase out the process of taking #cheque of another bank to open a […]
FinTech for Inclusion – Why do we need to think of Mr. Ramesh Sahu while designing.
Honoured to share my views on FinTech for Inclusion at Fintegrate Zone 2019 in Mumbai. My talk elaborated on the […]
Half baked Digital Transformation
Any organisation can not reap the benefit of #Digitalisation unless they have created an ecosystem to accept and incorporate it in the […]
FinTech for Inclusion, are we designing for beyond tier 1 and 2 ?
Will be speaking at Fintegrate zone 2019 team on the topic – #FinTech for Inclusion, Are we Designing for Beyond […]
Gamification in Banking and Financial Services.
Has anyone ever tried #Gamification in #Banking and #FinTech? When I interact with customers I find that they use their […]
Delivering Depositors’ Education and Financial Literacy Training at Rural Location in Uttar Pradesh.
Delivering Depositors’ Education (including Digital Financial Services, Digital Payments) and #FinancialLiteracyTraining at a #Rural Location in Uttar Pradesh. Will be […]
Banking Points at Indian Railways Platforms. Can we think out of the box please.
Can we set up #Banking/BC points at Indian Railway Stations? I have always wondered why railway stations are / has […]
What I did in 2018?
What I did in 2018 for #FinTech, #FinancialInclusion & #DesignThinking 1. Work- Designed Digital solutions to ensure FinTech does not […]
“Even branch staff are illiterate about Digital Payments”
A banking regulator has said, “Even bank branch staffs are illiterate about #DigitalPayments”. And, we have been focusing on delivering […]
Sample_CKYCR CERSAI_Piyush Singh. For training purpose.
Sample_CKYCR CERSAI_Piyush Singh_For training purpose.
Rural India is asking, why to go Digital? What’s in it for Me?
Average cost to access #Banks in most of the places in rural India, where BC agents are not available is […]
Digital Signature Certificate to Open bank accounts, Loans etc
#DigitalSignature and ESign after #Aadhaar. Why can’t Financial Service Providers (FSP) use Digital #signature system (DSS) issued by #eMudhra, #nCode etc, to […]
Banks must learn to deal with Install & SwipeUnistall generation.
Definitely, we love #CashBacks but a segment of customers have moved up from that anchor and looking for better #UserInterface […]
BlockChain use-case Rice field to Trade finance.
Use of Blockchain is expanding and following two use cases in different industries (Trade Finance and Supply chain for Rice) […]
Despite relaxation, why is Tap and Pay not picking up in India?
No two Factor #Authentication (2FA), mostly no PIN entry, on Card Present transactions and the limit defined by RBI is […]
Why card transaction uptake is low in India?
Why transaction at #Card swipe #PoS machines didn’t pick up quite well in spite of being present at most of […]
Aadhaar Vs. Google in India
#Aadhaar Vs. #Google in India. Why we never object to Google having our information but woke up against Aadhaar. My […]
Industry 4.0 and immediate challenges
#Industry4.0 is an ideal state of efficiency, but is tough to get implemented in the near future, few challenges that […]
Why women don’t use Banking and Digital transaction tool/channel a lot
#FinTech for #Women & #Inclusion. Why does a #Woman in a rural area or from a poor background doesn’t use […]
Conducted 2 days of Design Thinking workshop for Faculty and Students
Conducted 2 days of Design Thinking workshop for Faculty and Students. Contact me for 2 – 3 days of full-day […]
Privacy and Data protection defaulters must and will be punished.
In the wake of increasing awareness about #privacy and many countries implementing this as a basic right, it’s important to […]
FinTech training to top Management and IT heads of Micro Finance Institutions, in India.
Delivered “#MFINTech Training”, An orientation to #FinTech & #RegTech for #MicroFinanceInstitutions (MFIs) on 17th September 2018. The training was attended […]
Bank Customers’ loyalty reducing to a few Mbs (Mobile space)
#BankLoyalty reducing to few “mbs”. With an increase in mobile banking and digital-only banks, the loyalty of a customer has […]
P2P lending China Vs. India, have we learnt a lesson?
What have we learnt from the RISE and fall of #P2PLending in #China? Many lost their #Savings & their lives […]
Customer data protection, should banks own it?
With increasing risk of getting fraudulent calls, now customers must do verification of the caller to check whether they are […]
Mobile phone as Financial Freedom device than entertainment.
Mobile phones’ primary positioning as #FinancialFreedom device than an entertainment tool will push #FinTech and #FinancialInclusion in India and other […]
Who will own the customers, Banks or FinTechs?
Who will own the Customer, and will have the upper hand with #FinTech changing the face and the way Financial […]
QR code for India, opening new avenues.
Quick Response (#QR) Code is still an under utilised tool in India. It has immense potential to transform shopping, payments, […]
Its good if COD is stopped for e-commerce companies.
Why everyone is discussing and prophesying about the end of #eCommerce because Cash On Delivery (CoD) is legal / not […]
FinTech & Law : Payment Systems – By CA Nirmal Ghorawat
Author : CA Nirmal Ghorawat (The author is a member of the Institute of Chartered Accountants of India (ICAI). ………………………………….. Fintech – […]
KYC to UYC, should we move one step ahead now?
KYC to UYC. Should #Banks and other Financial institutions move a step ahead from KYC (Know Your Customer) to #UYC […]
Why Lending must not be like a normal Product purchase and only digital..
Many say lending should be easier and seamless and just like a normal product purchase, however, I differ to this. […]
Disputed Digital Payments, can it be a business model, or a roadblock?
While #Disputed/Unknown transaction can be a business model for few #Payment service providers, and Banks (calculate it at approx 1% […]
Visiting Card as Payment Instrument..
#VisitingCard as #Payment Instrument.. Every Visiting card has a potential to become a #payment and #acceptance instrument. How? http://www.raisedconnection.com/ Get […]
Emotions in Product design, a case of Financial products.
While we all are struggling to make #Payments, financial transactions and account opening easier through #FinTech, there is a customer […]
#CreditScore Vs. #SocialScore in Rural areas and low ticket size loan.
The way we are worried about our #CreditScores, similarly #SocialScore and in society #GoodwillScore works in rural areas. What mental […]
Why have we decided to push poor people to high lending rates and exclusion?
By paying in #cash to our domestic help and drivers etc. we are doing bad to them than any good, […]
Exploring state of Digital Payments in 9 states across India..
Cashless Journey 1 to Jalandhar, Punjab. Started the #Cashless journey to remote places, testing the on ground realities of Digital […]
BCs as ASFA (Accredited Social Financial Activist) similar to ASHA for rural locations.
#BC (Business Correspondents)/CSCs in a Village must be given #Training and #Accredited to become #ASFA (Accredited Social Financial Activist), similar […]
A digital dilemma for rural customers.
At times few questions comes to my mind for #Digitalisation and “#FinTech for #Inclusion” for people living in rural areas […]
Blockchain in Life Insurance can save a lot of field survey cost and moral hazard instances.
#Blockchain in Life #Insurance, can save a lot of field survey costs, this will also keep the data transparent, genuine […]
Future of FinTech (Payments) in India. It’s Interesting and will grow..
How is digital payments in India shaping up as? Digital payments in India has become crowded with lots of me-too […]
High Tech aspirer banks, Fix your Basics first..
A Small Naturally Intelligent way through which #Banks and #Telcos can save huge money is, by integrating their customer communication […]
RuPay giving tough fight to VISA and Master Card in India.. How to retain the share?
With this news, and confident thump by #NPCI, #RuPay and #UPI is giving a tough fight to #Visa and #MasterCard […]
Does Digital Transformation means putting Lipstick on the Pig?
What many banks are currently doing on the name of #DigitalInnovation and Transformation is putting “Lipstick on a #Pig” by […]
Going Digital with physical legacy ??
Why do we need a #Debit card a #physical tool, to apply for, or use #Bharat QR code and #UPI, […]
Digital Transformation, Don’t miss out on People and Technology balance
Of the 5 parameters for #DigitalTransformation the toughest will be to Strike a balance between “People & Technology” and that […]
Contactless Authentication the Next Authentication Model..
#ContactLess Authentication, i.e QR /Bar code, Facial, Iris etc to be the next Secured Authentication factors. Prerequisites for it to […]
Improve on Chargeback policy than offering Cashbacks.
Have better #ChargeBack policies than giving #Cashbacks.. #Cashback is the worst strategy a company or an industry can use as […]
Blockchain Vs. Babudom Indian Banks..
#BabudomVsBlockchain. Today Banks and other Financial Services Provider are swaying between #Babudom and #Blockchain and other technology. Babudom at physical […]
Businesses of the Future..
#Business of The future” especially for #FinTech, is #Platform and #Aggregator business. Standalone products will not survive unless operating in […]
What if a Loan is denied by the Machine but Approved by the officer? Who overrides & Who Owns?
Next thing in #Lending is not credit worthiness to pay, but to find out #IntentionToPay and #WillingnessToPay through data, behaviour […]
Industry 4.0 / 4th Industrial Revolution. Are we ready to thrive or waiting to be extinct ?
#Industry4.0 / “4th Industrial Revolution”. What would it mean for professionals and industry? #Summary – This will create Jobs that don’t […]
Where is the next market, for FinTech and Financial Service Providers.
Worst #FinTech strategy by Financial Service Providers. Deploying #RoboAdvisory & machine-based interaction for less profitable customers i.e people who do […]
CKYCR by CERSAI, what does it mean for Institutions and Customers of Financial Services.
#CKYCR (Central KYC Registry) by #CERSAI is a game changing product if it gets implemented across Financial Institutions, as mandated. […]
Is India moving too fast in Technology for Bharat to catch up?
In our effort to promote Digital Financial Services have we created Digital & Knowledge #Exclusion? Is the country getting divided […]
Design Thinking and Reasons for Me-Too products. Is Me-Too a long run game?
#DesignThinkingProcess and its Principles can help #FinTech and other companies to innovate and satisfy the #Stated and #Unstated needs of […]
Do we have #NaturallyIntelligent Banking and FSP systems in place, before talking about #ArtificialIntelligence?
Forget about #MachineLearning and #ArtificialIntelligence in Banking and Financial Services, first lets get #NaturalIntelligence and Logical systems in place. If […]
Cost of continuous change in Technology and Regulations, is it Good or Bad for the Industry?
Due to continuous change in #Technology and #Regulations the Price of Product is going down, while Cost of production remains […]
RegTech will soon catch up with its big brother FinTech. Is it round the corner?
#RegTech – Increase in #CostofCompliance, regulatory reporting, AML will squeeze profit margins. On the other side, adopting #Digital modes of […]
Easy credit a help or evil..
Is #EasyCredit a Good Thing? I would say NO. While it depends on the income level of the person and […]
Google Tez with UPI Vs Whats App with UPI. Whats App can be a winner and survivor.
#GoogleTez UPI Vs. #WhatsApp UPI. Tez will not go a long way unless it adds a context to its payment […]
Digitalisation & Cashless economy has to fight with Status Quo and Mentality than with System and Policies
More than fighting for #Infrastructure or #Policies, #FinTech & #TechFin companies have to fight with the resistance of people and […]
Good borrowers must be incentivised, and must not cross subsidise bad borrowers..
Technology started with Mass and Standard Production and we have been carrying this concept for long. The beauty of Technology […]
A Compilation of My top 58 Linkedin Posts, Ideas and Innovation (2017 – Till Date) on Past, Present and Future of; FinTech, Payments, and Digitalisation.
A Compilation of My top 58 Linkedin Posts, Ideas and Innovation (2017 – Till Date) on #Past, #Present and #Future […]
GSTN and Flow Based Lending simplified..
#GSTN can be a great platform for “#CashFlow Based Lending”. #FinTech companies especially in SME lending can start creating products […]
New age banking and Next Generation Catch..
#Catch & #Engage the Next Generation with your Financial Services. How??? Banks and Financial Institutions must realise that the #NextGeneration […]
Open API banking, and Data Democracy..
Why can’t my #Bank share my #Transaction data with companies I authorise or provide consent to ? But many sales […]
Ling Shou Tong by Alibaba in China..
This is what I have been saying for long, #Retailers need integrated services with analytics and supply and not part […]
Alternate Credit Scoring for Rural population.
What could be the Proxies to assess #CreditScore / Worthiness of offline transacting customers? Or How can we gaze this […]
Sin in Consumer Behaviour study. Selling to Human Being but talking to Excel sheets. What’s wrong?
#Human Beings are always Rational is a Flawed Assumption”. So #GoToField & meet #RealPeople than only making sense of graphs […]
Alternative Lending, are we Over Writing the Under Writing.??
Wish to Pick your Thoughts on #AlternativeLending and Banks’ Competence to handle that “#OverWriteTheUnderWriting “. The business is growing & […]
Mobile Wallets Vs Banks. A worthless discussion.
A well placed mobile #Wallet = UPI + #Bharat QR code + #BBPS with all/most of the billers + N […]
35 #FinTech Predictions for 2018 – By Piyush Singh – Fintech
Here are ” 35 #FinTech Predictions for 2018 – By #PiyushSinghFintech ” . Please add more and let us discuss […]
Let us Move up from opening bank accounts, offer Insurance and Investment products.
By when we will graduate Urban and Rural poor to get other Products of #FinancialInclusion? #Insurance (not talking about government […]
Big Data: are we making sense/use of it, or just using it as a Jargon?
Are companies really making sense of #BigData and using it for any real life purpose? or is it just a […]
FinTech will replace plastic Credit Cards with Number based Credit Lines Only..
How #FinTech will replace plastic #CreditCards with number based #CreditLine only. Plastic Credit Cards will be replaced soon with Credit […]
Shopping on Television, Design a Friction Less Payment experience. How?
Can I make #Payment on #Television? similar to what we do to recharge our DTH through #BharatQR or #mVISA, or […]
Fintech will take away jobs in Financial Service domain. Are you Skilled enough? Watch my Video series.
What is #FinTech? Why does it Exist? How will it Impact Financial Services, Who will get impacted in terms of […]
Is Cost of Innovation too high, that we follow Copy Paste Culture.
Is #CostOfInnovation too high ? Why most of the companies (not all) are launching #MeToo product and Copy Paste same […]
Piyush Singh in Conversation with Mr. Ankit Ratan, Founder of Signzy
What is #DigitalTrust ? I met Mr. Ankit Ratan, Founder of Signzy and an Indian Institute of Technology, Delhi Alumnus. […]
Fintech training to Fusion Micro Finance Institution..
Delivered #TrainingSession for Fusion Microfinance Institution on #FinTech and How “Digitalisation can Benefit MicroFinanceInstitution”. Discussed and Suggested #ProductDesign using following […]
Digital Payments in India, are we partying for Wrong Reasons.
How can we expect people to use a #Payment tool if they are not aware about its Use, Benefit and […]
Product Management and Why Cashbacks Won’t Go Long Way and is a Bad Strategy
Thanks Society for Technical Communication India, for giving me the opportunity to share my experience with Product Managers, and Technical Writers […]
Branch less Banking Strategy, how to win over telcos, by Piyush Singh
#BranchLessBanking expansion #Strategy. Recently I am getting many queries from my #Domestic and #International Bank friends on how to grow […]
Digital Transformation and New Age Banking, by Piyush Singh at IMT Ghaziabad.
Thank You Institute of Management Technology, Ghaziabad IMT Ghaziabad for being a wonderful audience and a great host. #NewAgeBanking will […]
Training and Lecture on Digital Financial Services and financial inclusion by Piyush Singh.
Delivering #Training Session on #FinTech, #DigitalFinancialServices and Opportunities..
Important question for any Start Up.
My suggestion to any #StartUp is find answer to the following question. “Who Will Pay (Identify customer and consumer), For […]
To go cashless prime the next generation Now!!
I Strongly Believe that If we have to increase #Adoption of Cashless Economy and #Digitalisation. Students and Children must be […]
Training on digitalising MFI.
Delivering training Session for MFI.
#HealthTech and #FinTech must Marry now. HealthTech is the next biggest beneficiary of Digitalisation..
#HealthTech and #FinTech must meet now. I think healthcare will be the next Biggest beneficiary of FinTech services. It has […]
Digitalisation in MicroFinance Institutions have more problems than just Systems : Manage People, Process & Practices.
How can #MicroFinanceInstitutions get benefitted with Digitalisation & #FinTech : 1. Use Aadhar number and EKYC to onboard customers 2. […]
Is FinTech a Result of Frustration from Traditional Banking Services?
What is #FinTech? Companies providing Banking and Financial Institution Services to #Customers through efficient use of #Technology, Simple Explanation and […]
Alternate use of Bank ATMs
Leverage on Bank ATMs. Can Banks tie up with Non Financial service providers/Government? There are approx 2 Lakh ATMs in […]
Financial Inclusion Myth Buster..
#FinancialInclusionMyth Buster – Increase in number of Smart Phones in a Country is not Directly Proportional to Financial Inclusion that […]
Is Payment the Lowest Hanging Fruit for Fintech?
As I always say #Payment is the Lowest hanging fruit for a FinTech company hence margins have also gone down. […]
Universal Bank Strategy – Promote Open API Banking
#FullFledgeBank Strategy. I think that one day banks will become a #Platform or #Warehouse for Innovation and Basic Banking Services […]
FinTech will Stay for Long, Don’t Worry..
Why “#FinTech is here to Stay for Long” and Payments will Evolve bringing Ease, Efficiency and widen its base for […]
Assistance to Manipulation :Artificial Intelligence, Artificial Emotion, Artificial Loyalty too?
#Assistance to #Manipulation. ” I Am VERY MUCH Afraid”, of the #Robots, #Programmers, #ArtificialIntelligence phenomenon gaining importance. It will make […]
Mr. Henry Ford must be happy with FinTech and Current Banking.
As per the Quote. Has the Revolution started through #FinTech? Is it right to say #Banks design #Products for Bankers […]
Why Small Value Transactions happen in Cash across World. Why CIC to GDP is so High..
Why does #SmallValueTransactions (SVT) still happen in #Cash across World ? Are we not serious to Monitor SVTs over Large […]
Contextual Payments, The success parameter for a FinTech.
Why there is a need of #Contextual #Payments i.e a Context for every Payment? Because companies and Individuals treat Payments […]
EMI Culture in India, are we Cautious Enough? Aspiration Vs Distress.
#EMI culture is Increasing in India. I have observed many things on EMI which were not there on the list […]
FinTech for Micro Lending through Smart Phone..
#FinTech for #Lending through #SmartPhone. A Mobile Device can be the best Assessment & #Distribution mode of #MicroLending. It knows […]
Increased Use of E-KYC post New RBI, PPI guidelines. AUA & ASAs will reap the Benefit..
Post New #RBI #PPI Guideline, My take is that #E-KYC as service will grow and biggest beneficiary will be Authentication […]
Global Payment System on line with AePS.
Can #AePS (Aadhar enabled Payment System), #IndiaStack, #UPI, #E-KYC, #Interoperable Payment systems happen in other Countries too, through their National […]
IndiaStack and FinTech Revolution..
#IndiaStack and #FinTech revolution. I will try to Analyse how IndiaStack will/is changing the way we #Transact. Allow me to […]
Universal Bank Strategy – Promote Open API Banking
#FullFledgeBank Strategy. I think that one day banks will become a #Platform or #Warehouse for Innovation and Basic Banking Services […]
Penetrating in Rural Areas is a Better Strategy than skimming Urban Market.
Why “Penetrating in Rural Areas” is a Better Strategy than skimming Urban Market. For both #Long & #Short term strategy.. […]
Financial Inclusion Myth Buster..
#FinancialInclusionMyth Buster – Increase in number of Smart Phones in a Country is not Directly Proportional to Financial Inclusion that […]
Is Payment the Lowest Hanging Fruit for Fintech?
As I always say #Payment is the Lowest hanging fruit for a FinTech company hence margins have also gone down. […]
FinTech will Stay for Long, Don’t Worry..
Why “#FinTech is here to Stay for Long” and Payments will Evolve bringing Ease, Efficiency and widen its base for […]
Aadhar for Credit Rating Check, Possible ?
One of the Issues in #IndividualLENDING for Rural People is lack of their Credit Score” and hence repayment credibility. #FinTech4Lending […]
Big Challenge, Small Finance Bank
#BigChallenge4SmallFinanceBank – RURAL People may not put their Savings where they have parked their Liabilities. How to deal with it […]
Payments Bank Strategy – Its Not Fair
The “PAYMENTS Bank Strategy” (Personal View) – With current set of regulations unless relaxed, I Foresee that Payment bank will […]
Alternate use of Bank ATMs
Leverage on Bank ATMs. Can Banks tie up with Non Financial service providers/Government? There are approx 2 Lakh ATMs in […]
Strategy for “Payments and Transaction Start Ups
Strategy for “Payments and Transaction Start Ups”. When you start, Customers will trust the System and Affiliations more than the […]
FinTech “Go To BoP (Bottom of the Pyramid) Strategy
FinTech “Go To BoP (Bottom of the Pyramid) Strategy”. Most of the Fintech companies are just scratching the surface in […]
Payment Tools & NPCI
With so many “Payment tools and Methods” being introduced recently by NPCI, the margin for – Aggregators, PSPs, FinTech companies […]
Google, Amazon, Facebook and Apple (GAFA) & Banking ??
They say – Google, Amazon, Facebook and Apple (GAFA) can offer better “Banking Sevices” because they understand their customers better… […]
UPI 2.0 and Pay Through EMI Option..
Can UPI 2.0 – With “Pay through EMI” option increase the “Loyalty of a Customer” with an Outlet ? Be […]
InsureTech & FinTech can Go Hand in Hand
“InsureTech & FinTech” can have a smooth ride on IoT and AI. Linking all these things with “India Stack” elements […]
Government Mandate to Accept Digital Payment ?
Can the Government pass a mandate for all the Shops, Merchants, and Businesses to Keep at least one Mode of […]
eKYC in Hotel Industry
Can “e-KYC” work for HOTEL industry ? The hotel needs to keep a physical record of all resident guests, so […]
QR code & UPI in Restaurant ?
Use case of QR & UPI in Restaurant/Hotel business. After having my meal can I get a DYNAMIC QR on […]
Offline to Online P2P Lending
Can we Digitise the “Offline P2P LENDING” ? An individual lender gets access to a CRM by a company which […]
Payment + is the Way Forward ..
Payment companies now have to offer more than just payments to businesses. It should be CRM+ Payments+Customer analytics+ feedback mechanism […]
Now UPI @ POS in Future UPI @ ATM to withdraw Cash
After UPI @ POS, I foresee something like UPI @ ATM too, for Cash Withdrawal…So, I enter my mobile number […]
Bharat QR Code and Payments
BharatQR code will DISRUPT the PAYMENT system by reducing the Merchant and Banks’ investment in Payment acceptance INFRASTRUCTURE. Indeed a […]
If I can Pay by Aadhar then Why Not Vote by Aadhar.
If I can “Pay by Aadhar, I should be able to cast my Vote by Aadhar and fingerprint too” My […]
Comics for Children to Promote Digital Payments
Can we publish a comics / series of comics for children on use of Cashless methods and a “Mascot” around […]
Delhi Transport Corporation & Tap and Pay Solution
Can Delhi Transport Corporation (DTC) Busses offer the TAP & PAY option to its customers, similar to Delhi metro. The […]
Indian Railways Can Collect Fine through PoS or UPI
RAILWAYS can start collecting fines using POS, by swiping cards. It will help to curb corruption as well others will […]
WiFi on PoS Terminals
How to address Internet connectivity issue for customers.. The PoS can enable wifi through POS terminals, so that even if […]
Why Aadhar enabled Payment System (AePS) will work in India : (A Layman’s Guide to Aadhar enabled Payment System (AePS)
" I would take the liberty to start my thoughts with #AePS is the #DebitCardofRuralIndia & of Less Literate people".
Enough of Digital Payment Tools in India. Now we need following..
We already have enough #Payment acceptance tools In #India, like UPI, BharatQR, NCMC, Aadhaar Pay, RuPay, NETC, NACH etc. We […]
Video, Vernacular and Voice (3Vs) next big things to focus on
Video, Vernacular and Voice (3Vs) are next big three things to focus on. It will add new customer segment to […]
Efficient Payment, Inefficient Refunds. Can we improve?
We have been focusing and pushing for #InstantPayment and transfers, and to much extent we have achieved it as well. […]
Do not offer standard UI to Expert and Novice.
We are moving towards industry 4.0, but for #DigitalFinancialServices we are still producing mass market and off the shelf products […]
Cash (ATM) Or Digital. Should we wait for people to accept digital or make it happen?
Cash(ATM) or Digital? The dilemma is, whether we should have more number of #ATMs and #CashInCirculation (CIC) to serve the […]
Why have we decided to push poor people to high lending rates and exclusion?
By paying in #cash to our domestic help and drivers etc. we are doing bad to them than any good, […]
Visiting Card as Payment Instrument..
#VisitingCard as #Payment Instrument.. Every Visiting card has a potential to become a #payment and #acceptance instrument. How? http://www.raisedconnection.com/ Get […]
Future of FinTech (Payments) in India. It’s Interesting and will grow..
How is digital payments in India shaping up as? Digital payments in India has become crowded with lots of me-too […]
#CreditScore Vs. #SocialScore in Rural areas and low ticket size loan.
The way we are worried about our #CreditScores, similarly #SocialScore and in society #GoodwillScore works in rural areas. What mental […]