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Dr Ritesh Jain

Advisor
WorldBank
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11 Oct
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London
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Followed by John Sims, Martha Boyle and 5 others you follow

Latest opinions

Dr Ritesh Jain

The Great Convergence: How Money Learns to Move Like Information

For decades, the plumbing of global finance has relied on a patchwork of protocols, proprietary formats, and manual reconciliation. Each payment, no matter how digital it appeared, was in fact a chain of messages stitched together across time zones and intermediaries. Today, that world stands at a threshold. A new data standard—ISO 20022—is becomi...

04 November 2025 Payments strategies 2015-2020-2030

Dr Ritesh Jain

Apple Pay Comes to India’s Cross-Border Payments: The Quiet Rewiring of Trust and Trade

1. A Decade in the Making Over a decade ago, I had the privilege of leading Apple Pay’s launch for Apple and Visa in the UK, building the early foundations of tokenisation and biometric authentication that would go on to redefine how the world transacts. Back then, the notion of paying with a fingerprint on a phone felt like science fiction — the ...

02 November 2025 Fintech

Dr Ritesh Jain

The Valuation Illusion: When Early Success Becomes the Seed of Future Strain

In the startup world, few things light up headlines faster than a fundraising milestone. “Startup X raises $25 million at a $400 million valuation!” — it’s the modern-day ticker tape parade. But what rarely gets mentioned is the hangover that follows. Valuation, in theory, measures promise. In practice, it often becomes pressure. Somewhere along th...

31 October 2025 Fintech innovation and startups

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Dr Ritesh writes about

  • security
  • payments
  • regulation & compliance
  • start ups
  • financial inclusion
  • predictions

Dr Ritesh's opinion archive

  • 2025 (5)

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  • Blockchain in Banking and Financial Services

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