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Shaju Nair

Shaju Nair Payments SME, Product Manager at Temenos

Payments - A new world in dawning

If you haven't yet stopped to notice that the payment industry is at the onset of a remarkable change - then this is just about time. If the hundreds of on-going experimental projects in various central and commercial banks are going to finish well - the face of the industry will not be the same as how we know it today. The very concept of money a...

/retail /wholesale Innovation in Financial Services

Shaju Nair

Shaju Nair Payments SME, Product Manager at Temenos

Fault lines in the Modern Financial System

It brings me grief when I hear people refer to CBDC as being just another form of digital money or just another mobile application for making payments when in reality there is a world of difference with CBDC being sovereign money (as is notes and coins) controlled and guaranteed by central bank and backed by assets, once upon a time gold itself, ...

/payments /wholesale Innovation in Financial Services

Shaju Nair

Shaju Nair Payments SME, Product Manager at Temenos

An ocean of Money, a sea of Debt - and the CBDC lifeboat

The world today is awash with money. The global broad money supply is reaching $ 90 Trillion, the United States alone contributing about $ 30 Trillion. Roughly 30% of US money supply was added in the last 2 years - with rest of nations also been adding similar quantities in recent past in their natural objective to be competitive in international...

/payments /wholesale Trends in Financial Services

Shaju Nair

Shaju Nair Payments SME, Product Manager at Temenos

CBDC - the waking giant

Just about a decade ago, banks worried about fintechs taking away 'some' of their businesses. Some years ago, banks worried about cryptocurrencies taking away 'more' of their businesses. Today banks need to worry if central banks would take away 'most' of their businesses. Welcome to CBDC (Central Bank Digital Currencies) - the dragon Dracarys of ...

/payments /crypto Innovation in Financial Services

Shaju Nair

Shaju Nair Payments SME, Product Manager at Temenos

Ease of making payments vs speed of making payments

I was 30 miles away from Bangalore City, in a quite village, ordering for red-bricks from a nearby brick factory over phone. I was extremely pleased to hear the manger say that he will accept account transfer, and passed on his bank code and account number. An hour later the truck arrived and as the unloading of bricks commenced, I got on to my pho...

/payments Online Banking

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