Latest opinions that Kartik Swaminathan has shared on Finextra

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Kartik Swaminathan

Author - 3F: Future Fintech Framework & Founder

Fintastech (Fintech Consulting & Coaching)

Member since

29 Sep 2014

Location

Navi Mumbai, India

View Kartik Swaminathan's full profile

Kartik's opinions

Fintech and Sustainability

Looking at everything from the lens of Sustainability is the mantra now a days. Doing so, addresses most of the challenges faced by organisations & Individuals, and offers an approach for a better future for us all. Let us therefore look at how FinTech’s help us realise a truly sustainable future. To begin with Fintech’s are helping reduce carb...

25 October 2021 /people /sustainable Going green

Digital Transformation – An Opportunity and not a Challenge

We have often heard of challenges in Digital Transformation and some of it may be true. But in my experience, there are some key aspects, which if handled normally (yes, need to be normal & transparent), can make the digital transformation projects most effective. These are as below: - a. Have clear objectives & priorities – Many a times o...

14 October 2021 /people /retail Digital Bank Transformation

Centralised and Digitised KYC Platform

A Centralised & Digitised Know your Customer ecosystem is quite beneficial in the new age digital economy. It helps quickly onboard customers and avoids duplicates w.r.t submission of documents. That is not all, it helps reduce acquisition costs and improves compliance. In the long term, it also helps in making KYC truly effective and rationali...

05 October 2021 /regulation /identity Digital Identity Management

Portability in Fintech

Portability is a key capability for fintech’s in future, as it enables the customer to switch over / transfer his account, from one Financial provider to another. This can be for various reasons, like he is unhappy with existing provider, or wants to switch, because he is getting better pricing, features etc. Portability also enables business cont...

24 September 2021 /regulation /identity Standards Forum

Customer Service in Fintech and Digital World

In digital world we live in, FinTech’s offers enhanced convenience, experience, transparency & choice to customers. Customer expects better price, faster processing, better access, service and a peace of mind. New technologies like Chatbots, AI / ML, Social Media have somewhat enhanced the experience for customers too. In past IVR’s, call centr...

20 September 2021 /people /retail Customer Service 2015-2019-2025

If BNPL, then why not PNBL?

While we have seen phenomenal growth in the BNPL (Buy Now Pay Later) segment in recent past, and I have already done a post on BNPL stating how the product is digital native, helping to expand the market and improve conversions for merchants too. So, while we have BNPL, my take is why not also have PNBL – Pay Now Buy Later. While BNPL is Lending &#...

10 September 2021 /payments /sustainable Innovation in Financial Services

A Quantum Leap for Fintech?

Quantum Computing Technology is fast evolving with applicability across a whole range of scenarios / use cases. In short, Quantum computing enables very high grade security, faster and more accurate processing. Who would not want it? As a priority quantum is being applied mostly to communication and security scenarios across industries. But it hold...

04 September 2021 /security /predictions Open Innovation Ecosystem

Buy Now Pay Later (BNPL) – What’s Different?

The payment industry has recently seen rapid growth in a mode of payment called BNPL or Buy Now Pay Later. BNPL has emerged as a new mode of payment especially across digital channels, where buyers are given the option to purchase goods / services and pay later in easy instalments. This payment mode has shown a very high rate of growth over other ...

26 August 2021 /payments /inclusion BNPL

Cryptic Cryptos & Digital Currencies

We recently heard of a crypto exchange being hacked. In past too, there have few unexplainable incidents with hundreds of millions of dollars being lost across some exchanges. This leaves a big credibility gap w.r.t. Cryptocurrency Exchanges that facilitate them. We have also seen terms like Non-Fungible Tokens (NFT’s) which are used to digitise a...

15 August 2021 /crypto /markets Cryptocurrency Insights

Olympics and Fintech - Yes, that is possible

Olympics & Fintech - Olympics is a mega event with multiple ecosystems / dimensions within: - - On one hand there is a sports event with participation from across the world - There is a dimension of travel & tourism - Loads of content is created and consumed - There is a whole range of merchandise, branded products and services that will...

05 August 2021 /payments /retail Embedded Finance