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Raktim Singh

Raktim Singh Senior Product Leader at Infosys

Digital Mortgage

A Digital Mortgage uses technology to connect with borrowers at every stage of the lending process, irrespective of where they are. This type of mortgage reduces costs, eliminates the manual process, and streamlines the entire operation. No more piles of paperwork, phone calls, or waiting in queues at the bank.This revolutionary approach uses tech...

/retail /wholesale Digital Banking, Mortgages and Savings

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

Tokenization of Assets

Asset tokenization refers to representing digital tokens on a blockchain, which confirms the rights of ownership of real-world assets. Many of us want to own a piece in various types of masterpieces. Remember your childhood days when you tried to collect stamps, coins, or different kinds of stones? Many people have a hobby to buy and collect paint...

/wealth /retail Tokenomics

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

What is ESG in Banking

ESG Full Form : ESG stands for Environmental, Social, and Governance. ESG criteria are now becoming essential considerations in banking and financial sector. Though ESG started as a socially conscious investment strategy in the 1960s, it gained attention in 2020 at Davos. The International Business Council (IBC) and the World Economic Forum (WEF) ...

/retail /wholesale Technology for Social Good

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

Artificial Intelligence in Banking

Artificial Intelligence and the importance of data AI is all about understanding the data. AI tries to decipher various patterns inside the data and the relationship between different entities, and it tries to either predict an event or generate more data. In earlier years, with the help of ML and deep learning, AI was used to predict the possibi...

/retail /wholesale Artificial Intelligence

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

Digital Transformation in banking

Though the last couple of years, including the pandemic, have forced banks to 'embark upon a digital transformation journey,' we still find many gaps here. During the pandemic, banks realized their services needed to reach customers even during lockdown. Many banks have moved to the cloud, and for them, moving to the cloud has become a digital tra...

/retail /wholesale Digital Banking

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

How unbundling of value will reshape digital commerce

Unbundling is a business process where a set of products or services inside a value chain is broken down to provide better value. Post unbundling, each product or service can be provided by a different player, who aims to provide the best value to the customer. In this article, we will explore, how ONDC will reshape digital commerce by unbundling ...

/retail /inclusion Technology for Social Good

Raktim Singh

Raktim Singh Senior Product Leader at Infosys

How DeFi Can Reshape Lending Sector and Government Programs

For centuries, we have seen lending and borrowing. Before banks came into picture, people used to borrow from other wealthy person in their vicinity. These loans were taken either to start a business, expand the current business or some personal needs. Based on your relation with other wealthy person, rate of interest used to vary in north of doubl...

/payments /retail Decentralized Finance (DeFi)

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