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The Hidden Costs of Modern Living Mental well-being is the foundation of a fulfilling life, yet modern society is eroding it at an unprecedented rate. With the rise of digital distractions, toxic work environments, and the erosion of family bonds, the world is facing a silent mental health crisis. While technology and economic progress have transfo...
06 February 2025 /people /predictions The digital Chasm
In the summer of 2022, a young marketing executive in London, eager to revamp her wardrobe, clicked “Pay in 4” at checkout. The process was seamless—no credit check, no hassle, and most importantly, no immediate cash outflow. Fast forward six months, she found herself juggling payments across three different BNPL providers, struggling to keep up a...
05 February 2025 /payments /startups Fintech
In the late 1990s, Garry Kasparov, one of the greatest chess grandmasters of all time, lost to IBM's Deep Blue. It was a defining moment that signalled the beginning of an era where machines could outperform humans in raw computation. Today, AI chess engines can beat the best players in the world, but interestingly, human-AI hybrid teams still out...
03 February 2025 /ai /predictions Artificial Intelligence
A few years ago, I visited a remote village in Madhya Pradesh (MP) , my home state, where digital payments were unheard of. The local grocer, reliant on cash and handwritten ledgers, now proudly accepts UPI transactions via QR codes. This transformation is not isolated; it exemplifies India's digital revolution, empowering millions. The journey, h...
01 February 2025 /people /predictions The digital Chasm
The financial services sector has experienced significant changes in recent years, especially with the growth of digital payments, cryptocurrencies, and global financial integration. Among the key players in this landscape are Money Service Businesses (MSBs), which offer essential services like money transfers, currency exchange, and payment proce...
31 January 2025 /regulation Online Banking
Unlisted shares, acquired through brokers or directly from sellers in unlisted markets, are not subject to Securities Transaction Tax (STT) since they are not traded on listed stock exchanges. The taxation of these shares is determined based on the holding period, and the rules differ from those applicable to listed securities. If you do not compl...
30 January 2025 /inclusion
Yesterday, I came across a fascinating piece of news: HSBC, the banking giant with a 159-year legacy, is exiting parts of its investment banking business in the UK, US, and Europe. Specifically, the bank is stepping away from equity capital markets (ECM) and mergers and acquisitions (M&A) outside of Asia. This move feels less like a retreat an...
29 January 2025 /markets /predictions Banking
Introduction: Bridging the Gap in Payment Systems Application Programming Interfaces (APIs) have become the backbone of modern payment gateways, playing a critical role in shaping the way businesses and customers interact with payment systems. As the financial sector continues to evolve, APIs are empowering businesses to integrate seamless, secure...
29 January 2025 API
Yesterday, I engaged in a thought-provoking discussion with Charles Orton-jones and Sam Boboev during a session on the evolution of digital wallets session in FintechTalk What began as an exploration of their role in payments quickly expanded into a broader conversation on their future as gateways to digital identity, tokenized assets, and decentr...
29 January 2025 /payments /identity Fintech
Introduction As businesses increasingly move towards digital transformation, payment solutions are crucial to ensuring smooth financial transactions. White-label payment gateways have emerged as a key offering in this domain, enabling businesses to offer customized, branded payment solutions without the complexities of developing a system from scr...
28 January 2025 /payments /crypto Financial Inclusion
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