Kartik Swaminathan

Kartik Swaminathan

Author - 3F: Future Fintech Framework & Founder at Fintastech (Fintech Consulting & Coaching)
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Bio I consult in Fintech and work on Product and Go To Market related initiatives with BFSI Firms, IT Firms & Startups in Fintech. Have recently authored a book called 3F: Future Fintech Framework. The book simplifies understanding across all key trends and themes in Fintech and proposes a futuristic framework for growth and innovation in Fintech & Digital space. Career History An avid Fintech Enthusiast with over 20 years of experience in successfully Ideating, Creating & Delivering innovative Digital & Process Automation solutions in Fintech. Domains covered include Banking, Payments, Wealth Management, Asset Management, Capital markets, Neo Banking, Robo Advisory, Islamic Banking, AML, Fraud Management, Lending & Financial Inclusion.


Banking Strategy, Digital and Transformation

Banking on Branches in the Digital and Fintech Age

10 Sep 2022

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...


Fintech and Regulatory Unbundling

22 Jun 2022

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...



Metaverse and Fintech

26 May 2022

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...

Fintech innovation and startups

Super APPs and Fintech

29 Apr 2022

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...

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