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Category: FinTech

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 […]

Customer detail protection, can bank own it?

With increasing risk of getting fraudulent calls, now customers must do verification of the caller to check whether they are calling from the hashtag#bank/credit card department. I just did it […]

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 […]

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 – portmanteau of the words “Finance” and “Technology” is the buzzword […]

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 “. […]

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 […]

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 […]