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Neo banks

The world of FinTech was already undergoing a transformation, even before the Covid-19 pandemic struck. The unprecedented lockdown situation only precipitated the transformation. The digital revolution so far has enabled large scale integrations through APIs to enable a range of services to the customer, be it food ordering, ecommerce, or investments. Though the adoption for…

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Banks and fintechs

When the global economic crisis happened in 2008, there was a sustained narrative of how disruptive and innovative FinTech companies would soon render established banks obsolete. While there has been an undeniable bloom of a variety of extraordinary startups that added tremendous value to the world, the larger picture has been that the old behemoths…

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digital lending through APIs

Platformable, a consulting firm that helps companies and public bodies generate value through the use of APIs, recently published stats on the status of Open Banking which gives interesting insights especially on regional variations as also the products in favour. Two facts stand out- growth in the European region (29%) was driven by the mandate…

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Finance embedded

Though embedded finance is gaining headspace today, it is not a new concept. The traction is due to the recent spike in interest shown by venture capitalists, private equity investors and fintech companies. The changing attitude among banking customers, even among the old, who are now willing to look at non-banking finance, added to the…

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UPI

Innovations of yesterday and conveniences of today, and building blocks of more innovations for tomorrow. Today, thanks to the popularization, acceptance, and availability of UPI-based peer-to-peer payments, the world has become a near-cashless place. During the panic-ridden demonetization phase, or during the extraordinary lock-down situation during the Covid-19 pandemic, UPI-based products and services were a…

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Central banks

In the previous blog, we read about the approach of the US and Indiato the Covid-19-led economic and financial slowdown. In this blog, we will look at two Asian countries, South Korea, and China, as well as the European Union and list out their policies to cope with the economic crisis.   South Korea –…

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After enough has been written about the benefits of using APIs for banks, only one pertinent question remains: It now boils down to ‘When rather than Whether’ for API adoption by banks. In that pursuit, the biggest challenge seems to be – ‘how to monetize our API efforts?’ The simple answer is to figure out…

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Decentralized finance

“Absolute power corrupts absolutely.” — Lord Actor, British historian. Today’s financial world has become too centralized, which has resulted in a few enjoying all the privileges, and many left out of the system. The resulting unrest has birthed a revolution in the making, an antithesis to centralized finance, named aptly as ‘decentralized finance’. Here comes…

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Digital banking

What is a bank? Well, the word comes from Italian ‘banca’ that simply means a bench or a counter behind which bankers sit and enable transactions. As simple as that. Cut to today, what does the word bank bring to your mind? The younger you are, the more chances there are that you recall the…

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