Latest opinions that Ganesh Guruvayur has shared on Finextra

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Ganesh Guruvayur

Senior Vice President, Head, Hub Solutions

Intellect Design Arena

Member since

30 Dec 2013

Location

New Jersey

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Ganesh's opinions

Corporate Account Takeover Protection - Do we know our customers well?

Should banks go alone in the fight against customer financial depredation? The answer lies in the multi dimensional collaboration that banks are ready to establish with their customers and with the banking industry at large on a per customer basis. Actionable awareness of the customer, the customer's business and the ecosystem as a whole determine...

13 August 2015 /payments /regulation

Putting the best 'card' forward - Payment Hub for Mobile Wallets??

In the electronic payments world, the complex maze of payment product processors in banks, each dedicated to a payment type, led to the evolution of an envelope layer that would sit behind all payment origination channels and ahead of the core payments platform. This intermediate sliver application was responsible for efficient orchestration of pa...

20 July 2015 /payments

Better citizenry on Payments Highway - In Pursuit of Network Quality

Denied payments - the duality of Risk and Expense For years banks have borne the brunt of returned payments. It is easy to agree that the happy path flow of a payment that travels with no manual intervention and gets successfully posted to the receiver’s account is the most beneficial use of the payment infrastructure. Denied payments i.e returns ...

07 July 2015 /payments

Regulatory Compliance - Upping the game

The glaringly average record on regulatory compliance front is beginning to be bugbear for banks. While the big banks usually are well equipped to take the onslaught of the ever changing regulatory regimes, it is the mid and small tier banks that get caught unawares and unprepared. Regulatory conformity is more often seen to be the premise of the ...

29 June 2015 /payments /regulation

Payments linked Credit Risk Monitoring and Control

Feeling the pressure of faster payments: With increased focus on faster payments, the time window for funds check based decisioning of payments is expected to get shorter just as for other categories of business validations on a payment. This is seen to increase the risk associated with rushed decisions on payments that meet with liquidity crunch....

13 June 2015 /payments

Creating A Supply Chain Aware Payments Platform

Breaking the Mould – Creating a Supply Chain Aware Payments Platform Traditionally, payments processing has been subservient to many business domains such as Supply Chain Finance, Trade Finance, Integrated Account Receivables, Integrated Accounts Payables etc. The context for an outgoing payment emanates in a business silo, is executed and then ha...

13 January 2014 /payments

Centralized Payment Exception Management

Centralized Payment Exception Management – Why do banks need to care? Banking industry is witnessing a heightened search for efficiency in payments work stream. Payment strategists have carefully analyzed the business services that are central to different payment workflows and their distribution across different participating systems in the payme...

04 January 2014 /payments

Multi Banking - Domestic Environment

The recent Payment Survey conducted by gtnews discusses the number of banking partners that corporates deploy. On an average in North America, the number of banking relationships range from 1 to 4 while in Europe, it is found to be as high as 20. It is widely believed that with the onset of SEPA in 2014, a wave of consolidation is expected to be w...

02 January 2014 /payments

Partner Finance - Syndication in SCF

Partner Finance as a concept is the fall out of risk control measures set within banks that cap the exposures that the banks can take towards a borrowing entity. This is conceptually similar to consortium lending or syndicated finance that is prevalent in the banking world. The latter deals with large ticket capital expenditures incurred by large ...

02 January 2014 /wholesale

Creating Revenue from Corporate Payments Decision Support

Corporate Payments are characterized by large value and time sensitivity unlike retail payments that are low value and non urgent. The large value of corporate payments makes it mandatory to ensure that they are backed by funds and every attempt is made to see them through. Automating Payment decisioning Banks are increasingly looking for automati...

02 January 2014 /payments