Apple Card in India.

My take on #AppleCard. The card will increase customer stickiness, allow Apple to earn credit card issuance fee from #GoldmanSachs & a share of interest fee (as per terms). Mastercard […]

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 DNA of the organisation. Just adding one or two digital […]

What I did in 2018?

What I did in 2018 for #FinTech, #FinancialInclusion & #DesignThinking 1. Work- Designed Digital solutions to ensure FinTech does not remain till tier 1/2 cities only, but go beyond + […]

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 personal thoughts.. 1. Google went ahead slowly and asked for […]

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 I foresee; 1. IT security issues. The previously closed system […]

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, collection, as ID card, #Language and #Education barrier, in #FinTech […]

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 the #BHIM QR code printed on your visiting card, it […]

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 or lower tier places where transaction infrastructure is yet not […]

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 branch level where banks have different manuals to Operate and […]

Businesses of the Future..

#Business of The future” especially for #FinTech, is #Platform and #Aggregator business. Standalone products will not survive unless operating in a niche segment or having licenses as an entry barrier. […]

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 the “Need”. But in all other cases its an evil. […]

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 around it. Any Small and Medium Business can choose to […]

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 doesn’t need, #FinancialServices as “Service” but as “Experience”. If you […]

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 organisations including banks’ internal staff/department use it to #Crossell their […]

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 services like one company offering #Payments, another offering #Analytics and […]

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 : – Unified Payment Interface (UPI) – E-Kyc – Mobile […]

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 What (The Problem) and How much, for your Solution “. […]

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 the country, i.e “2 lakhs Electronic Machines, mostly with Internet […]

Financial Inclusion Myth Buster..

#FinancialInclusionMyth Buster – Increase in number of Smart Phones in a Country is not Directly Proportional to Financial Inclusion that a country may achieve. Well it may assist as a […]

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 under served population. FinTech start ups have taken some profit […]

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 and Aggregates personal information more than any other device.  Any […]

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 ID proofs or anything Similar to what we are doing […]

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 pick up the #PresenceLess layer for Today’s analysis. Aadhar has […]

Financial Inclusion Myth Buster..

#FinancialInclusionMyth Buster – Increase in number of Smart Phones in a Country is not Directly Proportional to Financial Inclusion that a country may achieve. Well it may assist as a […]

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 under served population. FinTech start ups have taken some profit […]

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 – I Forsee that, If “Aadhar is Linked with PAN”, […]

Big Challenge, Small Finance Bank

#BigChallenge4SmallFinanceBank – RURAL People may not put their Savings where they have parked their Liabilities. How to deal with it ? “Small Finance Bank #SFB Strategy” Well drafted regulations to […]

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 Either “Cease to Exist or Become a Small Finance Bank […]

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 the country, i.e “2 lakhs Electronic Machines, mostly with Internet […]

Payment Tools & NPCI

With so many “Payment tools and Methods” being introduced recently by NPCI, the margin for – Aggregators, PSPs, FinTech companies & Banks have gone down. This will take this ‘Industry […]

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 it with restaurants, Stores etc . If I am a […]

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 can expedite and give Insurance sector a much needed push. […]

eKYC in Hotel Industry

Can “e-KYC” work for HOTEL industry ? The hotel needs to keep a physical record of all resident guests, so now a guest can be AUTHENTICATED, Verified and Registered, using […]

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 my hard copy Bill, which I can Scan with my […]

Offline to Online P2P Lending

Can we Digitise the “Offline P2P LENDING” ? An individual lender gets access to a CRM by a company which in turn charges a small fee for automating the collect […]

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 + many more things. Payments will be the backbone but […]

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 great move however now Merchant (Offline retailer) Acquisition doesn’t remain […]

WiFi on PoS Terminals

How to address Internet connectivity issue for customers.. The PoS can enable wifi through POS terminals, so that even if a person doesn’t have internet connectivity s/he can use the […]