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

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

From Freemium to Trust: How Fintech Founders Are Redefining Value in the Digital Economy

“Trust is the currency you earn. Value is the experience you deliver.” — A modern fintech mantra The Evolution of Digital Finance: From Free Access to Meaningful Engagement In the fast-evolving realm of digital finance, the freemium model—once the gold standard for user acquisition—is facing new limitations. While it helped democratize access and f...

29 May 2025

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

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