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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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Finance

Defining a generation is neither easy, nor universal. The millennial generation, the cohort at the helm of the workforce right now, is still difficult to outline. The millennial generation covers those born between 1982 and 1996. Today’s millennial will be the last generation to remember a time when India was a socialist state, when the…

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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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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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AI

Will the AI explain itself? Though artificial intelligence has existed for decades, it has remained in the fringes for long, with few game-changing applications until today. That said, the current Covid-19 pandemic has moved the world towards embracing AI in as many ways as possible to compensate for the unprecedented restrictions. AI-based social distancing detection…

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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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Supply chains- the value network consisting of sourcing of raw materials, manufacturing, outbound logistics, channels and demand management- took a massive beating from the pandemic. As COVID-19 related lockdowns overwhelmed country after country, firms and businesses experienced supply shocks in the forms of both disruptions to the availability of goods sourced from China as also…

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If you are using a travel site to book flight tickets or an entertainment app to book movie tickets or simply making payments through your mobile, you are using APIs- the technical name for programs that help software systems connect with one another and perform tasks by sharing information. Closer to home, a telling example…

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Finance

As per the BCG Digital lending report, total digital lending contribution was 75 billion as of 2018 and is forecasted to be 110 and 150 million by 2019 and 2020. This is proof that digital lending is no longer a ‘differentiator’– it has become a strategic imperative. Going digital with lending: Digital lending is one…

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