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Shaju Nair

Shaju Nair

Payments Consultant at Temenos
Message Message me Posts: 4 Comments: 9
Bio Works for Temenos, Payments Suite Career History 19 years with financial products


Trends in Financial Services

An ocean of Money, a sea of Debt - and the CBDC lifeboat

24 Jan 2022

The world today is awash with money. The global broad money supply is reaching $ 90 Trillion, the United States alone contributing about $ 30 Trillion. Roughly 30% of US money supply was added in the last 2 years - with rest of nations also been adding similar quantities in recent past in their natural objective to be competitive in international...

Innovation in Financial Services

CBDC - the waking giant

13 Jun 2021

Just about a decade ago, banks worried about fintechs taking away 'some' of their businesses. Some years ago, banks worried about cryptocurrencies taking away 'more' of their businesses. Today banks need to worry if central banks would take away 'most' of their businesses. Welcome to CBDC (Central Bank Digital Currencies) - the dragon Dracarys of ...

Online Banking

Ease of making payments vs speed of making payments

24 Sep 2017

I was 30 miles away from Bangalore City, in a quite village, ordering for red-bricks from a nearby brick factory over phone. I was extremely pleased to hear the manger say that he will accept account transfer, and passed on his bank code and account number. An hour later the truck arrived and as the unloading of bricks commenced, I got on to my pho...


Innovation in Financial Services

An 'instant-in-essence' electronic debit instrument

16 Apr 2017

The ‘faster is better’ fad will never fade. When in the late nineties faster films of ISO 200 and above came about abundantly in the photography market, consumers simply stopped buying slower films without even realizing if they really needed fast films. Slower films were cheaper and had high image quality, yet were considered sub-standard in the ...


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