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Ruchi Rathor

Founder

Payomatix Technologies

Member since

25 Aug 2024

Location

Noida

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Ruchi's opinions

From Free to Premium: Why Freemium Works in Digital Payments

As digital transactions become faster, smarter, and more seamless, one question takes center stage: How do payment platforms attract users—and keep them—without compromising revenue? Enter the freemium model — a strategy that offers essential features at no cost while unlocking advanced capabilities for paying customers. Originally popular in SaaS,...

21 May 2025 /payments /markets Fintech

Women Leading the Wallet: How Female Founders Are Redefining Digital Payments

“Finance is no longer a man’s world. It’s a smart world — and smartness has no gender.” A New Power is Shaping Fintech — And It’s Fearlessly Female A fresh wave of fintech innovation is rising — one led by bold, strategic women who are reshaping the future of digital payments with vision, leadership, and deep business acumen. These are not just fo...

14 May 2025 /payments /startups Fintech

Why Innovation Without Execution Fails - And How to Balance Both

In Fintech, Innovation Sparks Interest — But Execution Drives Transformation In the fast-moving world of fintech, innovation gets the spotlight. New platforms, disruptive models, and bold ideas often make headlines. But while innovation may start the conversation, it’s execution that defines long-term success. Ideas—no matter how visionary—mean lit...

07 May 2025 /payments Fintech

The Evolution of Payment Gateways: What’s Next?

"Technology changes, but the need for seamless transactions remains timeless." In today’s digitally driven economy, fast and secure payment capabilities have become a baseline expectation rather than a competitive advantage. Over the years, payment gateways have evolved significantly—from rudimentary checkout mechanisms to intelligent, f...

30 April 2025 /payments Fintech

How Open Banking is Reshaping Financial Services in 2025

Open Banking has moved beyond concept—it’s now a catalyst driving real transformation in financial services. By enabling secure, permissioned data sharing between financial institutions and third-party providers, Open Banking is changing how individuals interact with their money, and how the industry evolves. 1. Putting the Consumer in Control At ...

23 April 2025 /payments Fintech

How to Build a Customer-First Culture in Fintech

Fintech is changing lives—but only when people are at the center of the innovation. Behind every line of code is someone trying to save, invest, or make ends meet. Putting customers first isn’t just good practice—it’s how you build something that truly matters Why Being Customer-First Is No Longer Optional in Fintech Fintech operates at the interse...

16 April 2025 /payments Fintech

Why Cybersecurity Should Be a Top Priority in Fintech

"In the world of digital finance, cybersecurity is not just a feature—it’s the foundation." The fintech revolution has transformed how we interact with money. From mobile banking to crypto wallets, robo-advisors to buy-now-pay-later platforms—technology has unlocked an era of convenience and financial empowerment. But with great power com...

09 April 2025 /payments Fintech

The Challenges Women Entrepreneurs Face and Strategies for Overcoming Them

Women entrepreneurs continue to make significant strides in various industries, yet they often encounter challenges that can hinder business growth and success. From securing funding to overcoming biases, navigating the entrepreneurial landscape requires resilience, strategic planning, and access to the right resources. This article explores key c...

02 April 2025 /payments Fintech

The Intersection of AI and Fintech: What It Means for Consumers

The financial technology (fintech) industry is undergoing rapid transformation, with artificial intelligence (AI) playing a pivotal role in reshaping financial services. From enhancing customer experiences to bolstering security and streamlining financial operations, AI is influencing how consumers interact with financial institutions. Understandi...

26 March 2025 /payments Fintech

From Vision to Reality: How to Build a Disruptive Fintech Startup

Introduction The fintech revolution is reshaping the global financial landscape, challenging traditional banking models, and introducing new innovations in financial services. The rise of fintech startups is driven by technological advancements, regulatory shifts, and evolving consumer expectations. But what are the key factors enabling fintech st...

19 March 2025 /payments Fintech