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 the power of Nudges

One recent trend that I have noticed, is the increasing use of Nudges in fintech & digital solutions. Nudges are very powerful, as they subtly guide users and prompt them towards action / transaction. They can also be used smartly to guide users through a journey / flow, making it less frictionless and error free. Nudges need to be contextual ...

23 December 2021 /people /retail Behavioral Economics in Banking

Fintech – How India leads and way ahead

Fintech has a key role to play in the new age economy, and governments globally have this segment as priority. They know that Fintech’s will make the system frictionless, reduce cost of delivery, better financial inclusion, bring investments and provide job opportunities. It is therefore a matter of great pride that the Indian Fintech landscape ha...

03 December 2021 /inclusion /markets Fintech World

Celebrating Fintech – Festivals and Events

Very recently I attended an online mega event on Fintech. It was a packed event, with variety of themes, content, thought leaders, discussion, workshops and networking opportunities. The event revolved around some key central themes like Web 3.0 & Sustainability. Within this I figured the focus was more on the Web 3.0 tech & Infrastructure ...

18 November 2021 /people /predictions Innovation in Financial Services

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