Latest opinions that Ruchi Rathor has shared on Finextra

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Ruchi Rathor

Founder

Payomatix Technologies

Member since

25 Aug 2024

Location

Noida

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Ruchi's opinions

Crypto-Enabled Payments Beyond Hype: Real-World Adoption Stories

Crypto-Enabled Payments Beyond Hype: Real-World Adoption Stories For years, cryptocurrencies were seen as speculative assets volatile, futuristic, and disconnected from everyday financial lives. But in 2025, the conversation has shifted. We’re witnessing crypto move from headlines to homescreens, quietly powering real-world payments across industr...

20 August 2025 /payments

Biometric Payments Are Here: What This Means for Security and UX

Biometric Payments Are Here: What This Means for Security and UX From fingerprints at checkout to facial scans verifying online transactions, biometric payments are no longer futuristic; they’re mainstream. As financial services evolve to become faster and more seamless, biometrics have emerged as the bridge between security and usability. But as ...

06 August 2025 /payments

Wallet Wars 2025: Super Apps vs. Specialized Fintechs

In the rapidly shifting landscape of digital finance, 2025 is shaping up to be a defining year for digital wallets. The battle lines are drawn between two dominant forces: Super Apps that aim to be everything for everyone, and specialized fintechs laser-focused on doing one thing exceptionally well. Who will win the wallet war? And more importantl...

30 July 2025 /payments Fintech

How to Foster a Culture of Innovation Within Your Team

Introduction: Innovation is no longer a nice-to-have; it's the heartbeat of every successful fintech organization. Yet, fostering innovation isn’t just about investing in cutting-edge technology or hiring “creative types.” It’s about creating a culture where experimentation, collaboration, and learning thrive. In a highly competitive digital finan...

16 July 2025 /payments Fintech

Winning the Fintech Talent Game: How to Attract and Keep the Best

Introduction Finding and keeping great talent in fintech isn’t just about offering big salaries. It’s about building a culture and workplace that inspires, supports, and empowers people to do their best work. The competition is fierce, so your strategy needs to be sharper. Here's how to stand out. 1. Lead with Purpose Make your mission clear. T...

09 July 2025 /payments Fintech

What Do Modern Customers Expect?

Today, customers expect fast, easy, and secure payments. Whether they are shopping online or in a store, they want the payment process to be smooth. Customers today are used to digital tools. They want quick checkouts, different payment options, and simple steps. If a payment fails or takes too long, they may not come back. Making the payment proce...

02 July 2025 /payments /markets Fintech

AI x Payments: From Fraud Detection to Hyperpersonalised Checkout

The payments industry is undergoing a profound transformation, and Artificial Intelligence is leading the charge. What began as a tool for basic automation has evolved into a powerful intelligence layer, quietly reshaping how we fight fraud, route transactions, and deliver seamless, personalised payment experiences. In a world of instant expectati...

25 June 2025 /payments Fintech

The Power of Resilience in Building a Successful Business

In business, as in life, nothing goes exactly as planned. Markets shift. Customers change. Crises hit. And the difference between companies that crumble and those that grow? One word: resilience. What Is Business Resilience? Resilience isn’t just about “pushing through” hard times. It’s the ability to adapt, pivot, and rebuild—without losing your s...

18 June 2025 /payments Fintech

The Digital Wallet Revolution: How It's Reshaping Consumer Behaviour and Payment Infrastructure

The sound of jangling coins and the bulk of leather wallets have faded into nostalgia. In their place stands a more sophisticated and scalable payment conduit: the digital wallet. No longer just a fintech novelty, it is a cornerstone of the new digital economy—driving shifts in consumer behaviour, altering merchant ecosystems, and compelling banks ...

11 June 2025 /payments Fintech

Every Business Needs a Digital-First Payment Strategy-Why ?

“The way businesses handle payments is no longer a back-end decision. It’s a front-line strategy that shapes customer experience, trust, and growth.” In today’s always-on world, digital transformation is no longer a trend — it’s a necessity. Businesses are embracing cloud platforms, AI tools, and automated workflows to stay competitive. Yet one are...

04 June 2025 /payments Fintech

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