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

Why Real-Time Payments Are the Next Big Thing in Fintech

The Evolution of Payments in the Digital Era The financial landscape is undergoing rapid transformation, with digital payments at the forefront of this change. Real-time payments (RTP) have emerged as a game-changer, enabling instant, 24/7 transactions that are reshaping how businesses and consumers interact with money. The Growing Demand for Spee...

12 March 2025 /payments Fintech

Navigating High-Risk Payment Processing: Challenges, Methodologies, and Industry Implications

I. Introduction In today’s global digital economy, payment processing systems are essential for businesses to accept and manage transactions efficiently. However, some industries face significantly higher risks due to complex regulatory environments, data sensitivity, and greater vulnerability to fraud and chargebacks. This category is known as h...

09 March 2025 /payments Trends in Financial Services

Understanding Cross-Border Payments: Processes and Challenges

Cross-border payments are an essential part of global commerce, enabling businesses and individuals to transact seamlessly across borders. However, navigating the complexities of international payments can be challenging, particularly for those unfamiliar with the processes involved. This article explores how cross-border payments work, the challe...

30 December 2024

Cross-Border Payments: Challenges and Opportunities for Businesses

In an increasingly globalized economy, cross-border payments are integral to the operations of multinational corporations, small and medium enterprises (SMEs), and digital businesses. Cross-border payments facilitate trade, support global e-commerce, and enable remittances, but the complexities surrounding them present significant challenges f

30 September 2024

Why Real-Time Payments Are the Next Big Thing in Fintech

Real-time payments (RTP) are emerging as a key innovation with the potential to revolutionize how money moves between individuals, businesses, and governments. Real-time payments enable instant money transfers between bank accounts, 24/7, providing immediate availability of funds to the recipient. With rising consumer demand for speed and convenie...

15 September 2024 /payments

How Digital Payments are Driving Financial Inclusion in India

Financial inclusion is a critical enabler of economic development, ensuring that all individuals and businesses, regardless of their financial status, have access to essential financial services. In India, financial exclusion has long been a significant barrier to economic progress, particularly in rural areas. However, digital payment systems are...

10 September 2024 /payments /inclusion

The Rise of Digital Wallets: Trends and Future Prospects

Introduction Digital wallets, also known as e-wallets, have revolutionized the way consumers make payments and manage finances. From cashless transactions to seamless integration with other financial services, digital wallets have grown in popularity across the globe. The rise of digital wallets represents a significant shift in the payments lands...

09 September 2024 /payments

The Impact of Digital Payments on India's Cashless Economy Push

Introduction India’s transition towards a cashless economy has gained significant momentum over the past decade. With government initiatives promoting digital transactions, the rise of fintech innovations like UPI (Unified Payments Interface), and an increasing number of businesses adopting digital payment methods, the vision of a cashless economy...

08 September 2024

The Rise of Open Banking: How It’s Redefining Financial Services

The financial services sector is experiencing a seismic shift with the advent of open banking, a new regulatory and technological framework that is redefining how consumers interact with financial institutions. By fostering collaboration between banks, fintech companies, and third-party service providers, open banking is ushering in an era of tran...

06 September 2024

Future of International Business: Embracing Global Investment in an Era of Change

In today's interconnected world, international business and investment are at a crossroads. The challenges and opportunities we face are unprecedented, driven by rapid technological advancements, shifting geopolitical landscapes, and an increasing emphasis on sustainability. While these factors have introduced complexities into the global market, ...

05 September 2024