Latest opinions that Sriram Natarajan has shared on Finextra

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Sriram Natarajan

Risk Dog

Credit Risk Fraud Cards Professional

Member since

22 Nov 2007

Location

Gurgaon

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Sriram's opinions

How to put a 7 Billion dollars stimulus to good use!

The US Retailers won a major victory with the class action settlement of $ 7.2 Billion against Visa, MasterCard and seven other card issuers. While this victory may sound like a bonanza for retailers and perhaps get them salivating on the amount of cash they are like to see soon, it may be worth their introspecting on how the money can be put to go...

17 July 2012 /payments

Too big to Retail....

The BIS released came out with a list of 'systemically important' banks.http://www.bis.org/publ/bcbs207.htm So, we now officially acknowledge that whatever happens, even if some countries go down, these banks cannot afford to fail. It reallymeans that whatever these banks do, we have to accept with grace and humility. It doesn't help that many of ...

06 November 2011 /regulation /retail Finance 2.0

The giant US Banking Regulatory 'sink-hole'

Was it just a coincidence or some kind of a 'karmic connection'? A giant 200 feet sinkhole appeared in Guatemala City last month. A few days later the Regulation II of the Dodd-Frank Amendment, slashing debit interchange fee by half, came into existence. The debit interchange 'blow out' starts from Oct 1, 2011 for banks with more than $ 10 B in as...

24 July 2011 /regulation /retail

Fastest and most responsive to disasters- Scammers!

I do salute the stoic resilence of the Japanese people in the face of disaster. But I think the award for the most responsive and 'quick to market' mob goes to the internet scamsters! Within an hour of the news of the disaster in Japan, invitations to make donations for tsunami relief came into my inbox. In fact, so creative and impressive are thes...

23 March 2011 /security /regulation Innovation in Financial Services

Open Sourcing of Card Networks?

Last week, I came across an interesting headline - "Visa Opens World’s Leading Payments Network to Independent Developers Visa Inc. today announced a significant enhancement to the Authorize.Net Developer Center, a resource that enables independent developers to create applications supporting electronic payments and related services for major ...

04 November 2010 /payments

Wanted: subsidies for electronic payments

Governments across the world provide subsidies for various activities. Most countries provide farm subsidies; education, health and even fuel is subsidised through government largesse. Now, to promote electronic payments, I should think governments should dish out subsidies. Governments can be creative on this one; let's say a country starts issuin...

29 October 2010 /payments Innovation in Financial Services

Cash is my only GOD!

This weird 'fatwa' by Somali Islamists seems to reiterate the fact that only paper money (cash) is the God they recognize! I found this quite intriguing. I have heard and even empathized with numerous objections to mobile / E -money - security, cost, usage issues, etc. But I haven't seen anything like this! The 'green shoots' of Mobile money and El...

19 October 2010 /security /payments

'Boomer babies' and 'busters'

I see them all around the world - the 'boomer babies' - professionals and fat cats who came into existence in boom times. You could spot them everywhere - seminars, conferences, networking and any expensive place. They were the ubiquitous fixers - offering exotic products and services which many of us felt in awe. The awe, of course, turned into s...

06 March 2010

Will Twitter founder Square Visa - MasterCard?

Further to my earlier post on Internet based payment applications, it looks like 2010 is going to be the year of alternate payments. We can see the high level of interest in the subject. Jack Dorsey - co founder of the omnipresent Twitter - has come up with a free Payment Dongle called Square. You can see his demonstration here - http://www.youtu...

26 December 2009 /payments

White Collar crime now in 'Starbucks' league!

The latest Pricewaterhouse Coopers Global Economic crime survey released last week confirms our worst fears. The stinging economic recession has taken economic crime to the 'classes'. Middle and upper managers are 'forced' to take to crime to sustain their lifestyles cultivated in boom times. With the recession taking a heavy toll of staff leading...

22 November 2009 /security /regulation

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