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Asia Financial Services

Covering all aspects of financial services in Asia from banking in China to algo trading in Japan.

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

The Climate Change Challenge for Fintech

There is a new financial inclusion gap and that is due to extreme weather events. Fintech needs to address this, both to fulfil it’s often-stated goals as well as to remain relevant in the face of significant global changes. This requires a repurposing in order to become a deeper, more consequential actor in a rapidly changing world. How do we qu...

/payments /inclusion

Jamel Derdour

Jamel Derdour CMO at Transact365 / Nucleus365

Transforming Transactions: The Rise of Digital Payments in Thailand

Thailand is undergoing a transformative digital revolution. This shift is reshaping the financial landscape of the country, enhancing convenience for consumers, boosting business efficiency, and driving economic growth. As Thailand continues to embrace the digital era, the proliferation of digital payments marks a significant step towards a cashle...

/payments /markets

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

The Boundaries of Cross-Border Transactions Will Shift-AI and Remittances

Let’s talk about AI and remittances. Despite the enormous size and tremendous importance of the money transfer industry, little is heard about how AI is used or is proposed to be used. There are the usual mentions of Generative AI and some references about future developments. One reason for the paucity in news could simply be that many firms pref...

/ai /payments

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

Macro Uncertainties, Technology and Community Banks-A possible path ahead.

I had an hour-long conversation with my peers at the World Finance Council panel discussion in Singapore recently. While we were talking about ESG and fintech, it is becoming increasingly clear that we need to consider a whole-of-ecosystem approach rather than fitting issues within silos. The key challenge in all this is uncertainty. Global supply...

/payments /retail

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

Bringing Change To Rural and Community Banks-Time for Core Banking to be Open

The future of core banking in rural/community banks Rural, thrift and community banks are where large numbers of people and small businesses find access to lending and possible wealth creation. As the Open Banking discussion grows, this segment is important for meaningful financial inclusion in many markets. With it's large population and geopoli...

/payments /retail

King Leung

King Leung Global Head of Financial Services and FinTech at InvestHK

Green finance is Hong Kong’s golden opportunity to lead Asia’s net-zero mission

Few can doubt China’s leadership in advancing green tech and green energy. Solar installations are growing at a pace that would increase global capacity by 85% by 2025. China today has more solar panels installed in large-scale projects than the rest of the world combined. While China has taken the global e-vehicle (EV) market by storm as the wor...

/sustainable /inclusion

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

Embedding Climate Resilience Into Credit Origination Models for Small Businesses in Southeast Asia

The MSME credit gap in ASEAN remains considerable. But MSMEs may be facing a new enemy. The threat lies in weather patterns and whether we can succeed in keeping the temperature rise at acceptable levels. Event-based vulnerability has always been in evidence anyway. It will just get more accentuated. Core issues, as many practitioners rightly poi...

/retail /inclusion

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

Banking At The Merchant-A Global South Perspective

Introduction I am inspired by the writings of my peers. Alex Johnson’s most recent blog post (https://fintechtakes.com/articles/2024-05-03/merchants-future/) is very detailed, well-informed and a pleasure to read-as always. Please do make time, if you could, to go through it. The convergence of merchants and banking is an exciting possibility.

/payments /retail

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

Credit Opportunities And Near Misses

A journey past a credit card sales counter is painful. The collateral on display is attractive, the offers very tempting. Take a holiday! Get a premium piece of luggage! Find discounts on everything! But like that ice-cream tantalizingly out of reach when you were a kid in the market, it is verboten for some. "Give us a salary slip after 12

/payments /startups

Kaustuv Ghosh

Kaustuv Ghosh CEO at Nxtgencode

An Open Season- Super-Apps in the age of open banking

Having traveled through Malaysia recently, I made heavy use of Grab. In Singapore, it is not necessary, of course. We travel by public transport and leg it when we want to eat out. But it is a boon to have a single app across countries and just get your card debited with the expense. When you are moving inside smaller cities or between towns, ther...

/payments /startups

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