Latest opinions that Ritesh Jain has shared on Finextra

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Ritesh Jain

Founder

Infynit / Former COO HSBC

Member since

30 Dec 2022

Location

London

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Ritesh's opinions

The Untapped Potential of Personal Data as a Digital Asset

The Untapped Potential of Personal Data as a Digital Asset In today’s digital era, personal data has become the cornerstone of the global economy, powering everything from artificial intelligence to targeted marketing. Yet, despite its indispensable role, individuals—the very source of this data—remain on the periphery of its value chain. Data has...

03 December 2024 /people /predictions Data Management and Governance

The Transformative Journey of AI: From Early Analytics to Industry Revolution

In 2010, I had the opportunity to lead a groundbreaking project at Visa that would later be recognized as Visa Advanced Authorization (VAA). At the time, we called it the Real-Time Scoring Platform—a system leveraging advanced data analytics and what we now identify as machine learning. The platform was revolutionary in its ability to assess trans...

27 November 2024 /ai /payments Artificial Intelligence and Financial Services

Beyond Borders: API Harmonisation as the Key to Financial Connectivity

Beyond Borders: API Harmonisation as the Key to Financial Connectivity By Dr. Ritesh Jain In the early days of open banking, I found myself at the forefront of discussions that were as challenging as they were inspiring. These conversations were about building a new financial ecosystem—one that put the customer at the centre, drove innovation, ...

25 November 2024 /payments /inclusion Fintech

Modernisation Missteps: The Future Is Built, Not Patched

By Dr. Ritesh Jain For over two decades, I have had a ringside view of industries valiantly grappling with one of the most intractable quandaries of our time: legacy modernisation. Whether one observes banking, retail, healthcare, or manufacturing, the narrative remains dishearteningly familiar. Organisations, often in the throes of optimism,

24 November 2024 /people /predictions Fintech

AI: The New Lifeblood of Fintech Transformation

Is fintech losing its steam? Hardly. While some may argue that innovation in financial technology has plateaued, the reality is that we're on the brink of a new revolution—one led by artificial intelligence (AI). Far from slowing down, fintech is rapidly evolving, and AI is transforming not just the "how" but the "why" of financ...

04 October 2024 /ai /payments Fintech

India's Digital Revolution: The Promise of Vishvasya and Blockchain Technology

In an era where digital transformation is imperative, introducing Vishvasya—the National Blockchain Technology Stack—marks a critical juncture in India's journey toward establishing a robust digital public infrastructure (DPI). Developed and launched by the Ministry of Electronics and Information Technology (MeitY), Vishvasya aims to leverage bloc...

27 September 2024 /regulation /predictions Blockchain Observations

Navigating Transformation: The New Era of Banking and Fintech

You know, it’s an interesting time to be in the financial services world. With traditional banks and flashy fintechs dancing the tango, it’s hard not to notice how the roles have begun to shift. Not too long ago, fintechs were the nimble disruptors, waltzing past the heavyweights of banking with their slick apps and innovative ideas. Fast forward ...

26 September 2024 /people /startups Fintech

The Rise of UPI: A New Global Leader in Payments by 2025

By the end of 2025, UPI (Unified Payments Interface) is poised to become the most significant payment switch globally, with an estimated annual volume of around 264 billion transactions. This staggering figure would surpass the transaction volumes of Mastercard and Visa, marking a significant shift in the global payments landscape. UPI's rapid gro...

06 June 2024 /payments /inclusion Payments strategies 2015-2020-2030

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