Kartik's blog archive

2021 (4)
Kartik Swaminathan

Kartik Swaminathan

Author - 3F Future Fintech Framework & Founder at Fintastech (Fintech Consulting)
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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.


Innovation in Financial Services

Fintech Regulations - Way Ahead

28 Jul 2021

With so much happening in Fintech regulators have a challenge at hand. We have in recent past seen many regulatory actions in India and am sure there are many taking place globally too. Highlighting some as below: - - Curbs on UPI driven lending innovations like Bullet, Lazypay etc. as regulators felt they are more like Overdrafts rather than pa...

Fintech innovation and startups

Skills for Future of Work in Digital World

17 Jul 2021

15th July was World youth Skills Day. The importance of Skills has increased, especialy with recent pandemic and of course the Digital world is also posing new opportunites for youths. But is that the case? A recent survey by Mckinsey done across 15 countries and 18k people, identified 56 foundational skills for future of work. These skills have b...

Open Innovation Ecosystem

Account Aggregator Ecosystem

13 Jul 2021

The Account Aggregators (AA) framework in India has been another revolution in the making. It is part of the larger India Stack. Just as it was quietly taking shape since 2016, it has also silently started manifesting itself with many participants going live in stages over last few months. I discuss some of the salient aspects & Use cases of t...

Artificial Intelligence and Financial Services

Dealing with AI / ML - Insights and Challenges

24 Jun 2021

Artificial Intelligence, Machine Learning & Deep Learning (AI, ML & DL) are being increasingly looked at w.r.t bringing in benefits of automation and reducing human limitations or bias in the system. I recently attended some online sessions on AI, ML & DL, where presenters shared some good perspectives. I learnt that, while AI, ML &...