Latest opinions that Akshar Prabhu Desai has shared on Finextra

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Akshar Prabhu Desai

Payments engineer

Member since

21 Oct

Location

Mountain View

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Akshar's opinions

Quantum computing has an impact on world of payments

Recent breakthroughs in quantum computing have raised hopes that we might be able to create useful quantum computers. While that day is still away, it is very likely we will reach there. This has implications for many fields but it has very important implications for the world of payments. In this article we discuss what quantum computing would m

09 November 2025

Why stablecoins might play an important role in agentic commerce

All opinions are personal and should not be attributed to my employer. Agentic commerce is a technology where autonomous agents make purchase decisions for the user. One important part of purchase is payments. Payments today happen either through credit or debit cards or bank accounts. In all these, the banks are involved and have to ultimat

05 November 2025 /ai /crypto

Credit Card Tokenization Explained

Credit card tokenization has evolved over time. Tokenization has made credit cards safer and more efficient for merchants, consumers and banks alike. In this article, I explain the different types of tokenizations. What is tokenization ? The physical credit card has certain information that is consider a sensitive information. For example the ca

28 October 2025 /security /cloud

Agentic Payment Protocol solves important problems that enable agentic commerce

Large language models have simplified how people use the internet. People do not have to sift through mountains of internet links anymore. They just have to ask the chat interface, which answers based on the content it has crawled from those pages in the past. This means the webpages do not serve the users directly anymore. This breaks how websi

28 October 2025 /ai /identity

Agentic AI in Finance : A Comprehensive Overview

Note: This article is reflects opinions of the author and not that of his employer. This article is also a distilled version of author's research paper published here. [PDF] Agentic AI techniques are autonomous systems that can make their decisions independently to work towards a specific goal in a dynamic environment. This article explores the e...

23 October 2025 /ai