Kartik Swaminathan Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)
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...
10 September 2022 /retail /inclusion Banking Strategy, Digital and Transformation
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...
22 June 2022 /regulation /predictions 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...
26 May 2022 /retail /predictions 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...
29 April 2022 /people /retail Fintech innovation and startups
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...
03 March 2022 /payments /retail BNPL
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...
11 February 2022 /retail /startups Embedded Finance
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...
06 January 2022 /security /cloud Cloud Banking out of the Box
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 ...
23 December 2021 /people /retail Behavioral Economics in Banking
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...
03 December 2021 /inclusion /markets Fintech World
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 ...
18 November 2021 /people /predictions Innovation in Financial Services
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