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Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Banking on Branches in the Digital and Fintech Age

The advent of the fintech & digital age has had an adverse impact on both perception and reality of having physical bank branches. We have seen largely in developed nations, that a large number of physical Branches are being closed. However, on the contrary, in countries like India the number of physical bank branches is increasing. This can b...

/retail /inclusion Banking Strategy, Digital and Transformation

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Fintech and Regulatory Unbundling

Fintech is a highly regulated sector, and thereby many (or most) of the Innovation and new business models / propositions, depends on policies and norms from regulators. Historically financial regulators have been better focussed in terms of the policies on Financial Risks. Then with retail banking and branches, some focus started to come on Operat...

/risk /predictions Fintech

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Metaverse and Fintech

The word Metaverse is making highlights in last few months. Many leading organisations have created metaverse environments or become part of one. Metaverse is an immersive Digital environment (Virtual World) where you can interact and transact. For e.g. Visiting a virtual mall and making purchases, attending an event / conference, Gaming etc. So, m...

/retail /predictions Fintech

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Super APPs and Fintech

Over last few years, we have heard of Super Apps (Applications), and how they will be key and dominant players in the whole digital ecosystem. This is backed by efforts by leading players with mixed or limited success. We have known of success of Amazon, GoJek etc. and also many others who could not realise their efforts fully or effectively. Simp...

/people /retail Fintech innovation and startups

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Reinventing BNPL

Over the past 3 to 4 years, we have seen the Buy Now Pay Later (BNPL) segment grow exponentially. But, typical to most growing businesses, this segment is also facing some challenges like: - a. Increasing Regulatory scrutiny w.r.t source of funds and given that BNPL has often operated in a grey zone. b. Allegations of lack of transparency and vario...

/payments /retail BNPL

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Fintech and realising the Embedded play

New age technology enables Financial Solutions to be tightly integrated (embedded) across various other segments / industry & Solutions. This embedding of Fintech, enables a non financial player to enhance their proposition and convenience to customers by providing financial solutions that are critical for transactions, sales, revenues & e...

/retail /startups Embedded Finance

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Fintech and Cloud – Why are large players hesitant?

Fintech and Cloud – Why are large players hesitant? Fintech solutions being developed and hosted on Cloud are gaining popularity, as cloud environments offer many benefits in terms of cost (Manpower, Premise, Software, Hardware), security, scalability, availability and also better flexibility. That is not all, Cloud also enables partnerships / int...

/security /cloud Cloud Banking out of the Box

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Fintech and the power of Nudges

One recent trend that I have noticed, is the increasing use of Nudges in fintech & digital solutions. Nudges are very powerful, as they subtly guide users and prompt them towards action / transaction. They can also be used smartly to guide users through a journey / flow, making it less frictionless and error free. Nudges need to be contextual ...

/people /retail Behavioral Economics in Banking

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Fintech – How India leads and way ahead

Fintech has a key role to play in the new age economy, and governments globally have this segment as priority. They know that Fintech’s will make the system frictionless, reduce cost of delivery, better financial inclusion, bring investments and provide job opportunities. It is therefore a matter of great pride that the Indian Fintech landscape ha...

/inclusion /markets Fintech World

Kartik Swaminathan

Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)

Celebrating Fintech – Festivals and Events

Very recently I attended an online mega event on Fintech. It was a packed event, with variety of themes, content, thought leaders, discussion, workshops and networking opportunities. The event revolved around some key central themes like Web 3.0 & Sustainability. Within this I figured the focus was more on the Web 3.0 tech & Infrastructure ...

/people /predictions Innovation in Financial Services