Latest opinions that Kathiravan Rajendran has shared on Finextra

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Kathiravan Rajendran

Associate Director of Marketing Operations

Macro Global

Member since

30 Jun 2021

Location

London

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Kathiravan's opinions

The Silent Shift Reshaping Financial Institutions Regulatory Compliance in 2025

The regulatory landscape for financial institutions continues to evolve with increasing speed and complexity. Navigating the FCA's latest directives and aligning with global initiatives like the Common Reporting Standard (CRS) are just two examples of how compliance today demands far more than simply checking boxes. It calls for a fundamental reth...

08 May 2025 /regulation /crime Banking Regulations

Strategy that Banks should consider in 2025 to outpace fintechs and MTOs in Cross Border Payments

Banks currently hold approximately 25% of the global international remittance market, compared to fintechs and MTOs, which have grown rapidly to command the remaining share. Traditional Money Transfer Operators (MTOs) such as Western Union hold about 15%, while digital-first fintechs like Wise and Revolut are gaining ground, claiming approximately...

10 December 2024 /payments /retail Banking Strategy, Digital and Transformation

How Can Banks and Fintechs Capitalize on PSD3 and PSR1?

The financial landscape is undergoing a seismic shift, driven by the impending implementation of Payment Services Directive 3 (PSD3) and Payment Services Regulation 1 (PSR1). The PSD3 timeline is uncertain, but finished versions are likely to be available by late 2024. The EU member states will have a two-year implementation phase, with instituti

04 December 2024 /payments /regulation Open Banking

Does the UK’s National Payments Vision really shape the Future of Payments?

The UK’s National Payments Vision sets a bold agenda, reaffirming its leadership in global financial services. Processing nearly 50 billion transactions annually, the nation’s payment infrastructure underpins commerce, inclusion, and economic growth. Now, as the landscape changes, the UK stands ready to further modernise, striking a balance betwee...

02 December 2024 /payments /regulation Banking Strategy, Digital and Transformation

How Liquidity Pools Transform Cross-Border Payments? An Analysis

Cross-border payments are the backbone of international trade, global remittances, and financial connectivity. Yet, traditional systems often face challenges like high transaction fees, delays, and inefficiencies caused by intermediary banks and multiple currency conversions. The introduction of liquidity pools is transforming this landscape, offe...

26 November 2024 /payments /sustainable Payments strategies 2015-2020-2030

Is a Seamless Cross-Border Payment Future Possible?

The intricate web of cross-border payments, characterised by archaic systems and stringent regulations, often leads to slow, costly, and opaque transactions. This hinders global trade and commerce. Recognising this, it becomes evident that a singular solution, whether from a financial institution, regulator, or technology provider, is insufficient

25 November 2024 /payments /inclusion Payments strategies 2015-2020-2030

BRICS Bridge: Disrupting the Status Quo or a Bridge Too Far?

The BRICS Bridge initiative announced by the BRICS nations has sparked both excitement and scepticism. The BRICS Bridge holds the potential to revolutionize cross-border payments for emerging economies. While the full potential of the BRICS Bridge is yet to be realized, its implementation could have far-reaching implications: Reduced Transaction C...

21 November 2024 /payments /predictions Fintech innovation and startups

How Banks can regain their market share in Cross-Border Remittances with Strategic FX Capabilities?

Banks face growing competition from Money Transfer Operators (MTOs) and fintech firms in the cross-border remittance space. These challengers offer speed, lower fees, and user-friendly platforms, putting pressure on banks to innovate. The Strategic Role of FX Solutions in Remittance Services FX solutions provide a strategic advantage, enabling ban...

18 November 2024 /payments /retail Banking Strategy, Digital and Transformation

A Single Global Regulatory Framework is the key to making Cross-Border Payments possible

Cross-border payments are an important part of foreign trade, money transfers, and the digital economy as the global economy becomes more connected. But the current fragmented regulatory environment makes it hard for businesses, especially fintech companies, to deal with complicated licencing processes and different compliance requirements in diff...

12 November 2024 /payments /regulation The Payments Business

Choosing Between Remittance Franchising and White Labelling for an MTO Business

Enterprises entering the remittance market have two options: franchise with an established Money Transfer Operator (MTO) or use a white-label solution. Both methods have different advantages, but they must be carefully considered in light of a company's long-term goal and risk tolerance. Franchising: Speed and Security at a Cost Franchising may ap...

08 November 2024 /payments /markets The Payments Business

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