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Stephen Gilmour

Stephen Gilmour

Solutions Architect & Product Management at Jack Henry

Martin Swanson

Martin Swanson

Co-Founder at Atomic Wire

Harshita Soni

Harshita Soni

Digital Marketer at Ken Research

Jacobo Weizenblut

Jacobo Weizenblut

CEO Trading ADR at TradingADR

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George Donchenko

Country Manager at Viva Money

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Mikhail Yegorin

Mikhail Yegorin Head of PR at Jusan Bank

The phrase super app has increased in popularity in recent years, used typically to refer to a single app offering multiple services to its users – for example, e-commerce, ride-hailing, and financ

12 h

Ross Kolodyazhnyi

Ross Kolodyazhnyi CEO at DCM

After hosting a panel discussion, "Crypto Regulation Unveiled: Exploring MiCA's Global Impact," at the FIBE Fintech Festival in Berlin, I've caught myself thinking that everybody is not so e...

13 h

Kaustuv Ghosh

Kaustuv Ghosh Founder at Prometheus Labs, Next Gen Infra.

Let us agree that weather is important for financial services. How prepared are we for long-term, continuous changes in it's patterns? How should financial institutions and services respond? This pi

17 h

Robert Siciliano

Robert Siciliano

John Bertrand

John Bertrand

Brandon Spear

Brandon Spear

Iain Swaine

Iain Swaine

Kerry Leech

Kerry Leech

Benjamin Avraham

Benjamin Avraham

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Commenting

Ketharaman Swaminathan

Ketharaman Swaminathan

When Visa abandoned its plan to acquire PLAID, the reason given by pundits was potential antitrust objections. Won't the same antitrust objections be raised about its TINK-powered offering? Or was antitrust just a smokescreen to avoid paying $5.3B for PLAID when it could get Tink for a substantially lower price ($2B)? On a side note, by making an explicit pitch for Open Banking technology in its video, Visa has completely undermined the popular misconception that customers don't care about technology.

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Ketharaman Swaminathan

Ketharaman Swaminathan

India's GDP is a little shy of $4T, there's no way digital payments market can be half of that i.e. $2.3 trillion. Your $2.3T figure likely refers to Total Payments Value (TPV) of digital payments. Payments market size amounts to the rake on TPV i.e. TPV*MDR. Since a bulk of the $2.3T TPV is UPI, which attracts 0% MDR, the digital payments market is likely to be close to 0 (barring credit card payments which attract 2.5% MDR, but constitute less than 10% of the aforementioned TPV.). You contradict yourself later in your post by giving a totally different figure of $70.47B for digital payments market. But even that lower figure is highly doubtful for aforementioned reason. Consequent to RBI Reg PayTM, the enforcement action from the banking regulator that went into force a couple of months ago, PayTM Payments Bank is virtually non-existent. In the interest of the community, you might want to edit your post to reflect correct facts and figures.

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Ketharaman Swaminathan

Ketharaman Swaminathan

Great move! Advertising has become a major source of new revenues for companies in ecommerce, food delivery, payments and other industries. Why not banking. Kudos to Revolut. Of course, I expect some finsurgents to go ooh-aah about privacy blah blah blah but they were the same people who, a few years ago, used to go, oh banks have huge customer data, they don't know to unlock value via targeted offers, yada yada yada, so Revolut can safely mute them.

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Ketharaman Swaminathan

Ketharaman Swaminathan

Because, for a publicly traded company, sales is arguably the most critical function whereas banking and application software knowledge are only means to the end.

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