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Profile
Location
Bangalore
Member since
2008
Writes about
Payments Retail banking Wholesale banking Cryptocurrency Markets

Shaju's blog archive

2024 (2) 2023 (1) 2022 (1) 2021 (1) 2017 (1)
Shaju Nair

Shaju Nair

Payments SME, Product Manager at Temenos
Message Message me Posts: 7 Comments: 12
Bio Works for Temenos, Payments Suite Career History 24 years with financial products

Blogs

Innovation in Financial Services

Payments - A new world in dawning

18 Jan 2024

If you haven't yet stopped to notice that the payment industry is at the onset of a remarkable change - then this is just about time. If the hundreds of on-going experimental projects in various central and commercial banks are going to finish well - the face of the industry will not be the same as how we know it today. The very concept of money a...

Innovation in Financial Services

Fault lines in the Modern Financial System

15 Jan 2023

It brings me grief when I hear people refer to CBDC as being just another form of digital money or just another mobile application for making payments when in reality there is a world of difference with CBDC being sovereign money (as is notes and coins) controlled and guaranteed by central bank and backed by assets, once upon a time gold itself, ...

Trends in Financial Services

An ocean of Money, a sea of Debt - and the CBDC lifeboat

24 Jan 2022

The world today is awash with money. The global broad money supply is reaching $ 90 Trillion, the United States alone contributing about $ 30 Trillion. Roughly 30% of US money supply was added in the last 2 years - with rest of nations also been adding similar quantities in recent past in their natural objective to be competitive in international...

Innovation in Financial Services

CBDC - the waking giant

13 Jun 2021

Just about a decade ago, banks worried about fintechs taking away 'some' of their businesses. Some years ago, banks worried about cryptocurrencies taking away 'more' of their businesses. Today banks need to worry if central banks would take away 'most' of their businesses. Welcome to CBDC (Central Bank Digital Currencies) - the dragon Dracarys of ...

See all Shaju's blogs

Shaju is Commenting on

BNPL Ain't Killing Banks. It's Making Them Rich

  nicely put - "point of aisle financing" :-) Mobile Payments (UPI in India for example) are slowly killing the credit card industry, do you agree? 

30 Jun 2023 Reply Read article

My e-Journey - over 40 years. Part 1. e-banking started with payments.

  Interesting, thanks for sharing!.

30 Dec 2022 Reply Read article

Understanding why we have non-bank payment providers

  John, thanks. when the domestic payment fees 'goes towards zero', how will the PSP make any monies from the payments business, esp if PSP is a non-bank.? Are the retail customers in UK willing to pay for TPP sevices?

30 Dec 2022 Reply Read article

PayTM Shows How Fintechs Can Lose Trust

  Interesting observations and insights. Given the recent developments towards real-time money transfers (I mean - real money), one wonders if business case of wallets is still so strong as it was say 5 years ago. Real Time money transfer systems  in Europe, Australia, UK, US are all targetting for transctions in just a few seconds, and that too with so much ease (via mobile, using QR codes, and free of cost), it seems you can operate on your real money as easy as you can with a wallet.   As for wallets - What bites me is the need to prefund the wallet, and having to keep credit card information inside the wallet. Im better of with a credit card at a shop, with cash on petty transacations, and wallets - probably rarely if both above does not seem to work.

26 Mar 2018 Reply Read article