Latest opinions that Abhinav Paliwal has shared on Finextra

Why SuperApps Are Planning Crypto Rewards

Fintechs have the super high CAC They need high ARPU by acting as one-stop-shops So SuperApps are planning Crypto Rewards — Details 👇 They all are chasing growth in a regulated environment with similar products. They fiercely compete to acquire the customer even at a high cost. One needs a high ARPU to sustain high CAC. In a price-sensitive ma...

22 December 2022 /payments /crypto Digital Banking Trends

Biggest risk of issuing CBDC

Biggest risk of issuing CBDC → Irrelevance e-Naira is Nigeria’s CBDC isn’t getting much adoption Here is WHY Consumers are ignoring CDBT 👇 What is eNaira ? The eNaira is the digital form of a national currency which uses blockchain tech. It is pegged at parity with physical Naira. Central Bank of Nigeria envisaged 🧐 multiple benefits for e-Nair...

01 August 2022 /crypto /markets Cryptocurrency Insights

UK NeoBank Starling Reported Its 1st Annual Profit

UK NeoBanking Platform Starling reported its 1st annual profit 💰 $38M PBT (profit before tax) $225M revenue (93% YoY growth) $3.96 bn loan book (45% YoY growth) 600K new customer accounts added The UK fintech unicorn has more than two million customer accounts, including more than 300,000 small business accounts. Its total lending exceeds $ 2Bn ...

25 July 2022 /retail /startups Digital Banking Trends

How Can a Bank Start Offering BaaS

While COVID has thrown traditional banking operations in disarray but it has also established new fintechs in the financial services business. With the Central bank’s push toward digitalisation, we can safely assume that this trend will inevitably make fintech proliferate deeper into the incumbent bank’s market. Fintechs like Open, Bajaj Financ...

20 June 2022 /payments /retail Open Banking

7 Must Needed Attributes for BNPL

BNPL is not the same as traditional lending. It creates a rare win-win-win for Consumers, Merchants & Banks. Here are 7 key attributes that make BNPL work as it is meant to 👇�� All these parameters need to be in place, simultaneously 1. POS finance has existed for a long time. This usually involves a loan application which is then approved ...

14 June 2022 /payments /startups Banking and Lending Solutions

How Embedded Finance And BaaS are Transforming India

While COVID has thrown traditional banking operations in disarray but it has also established new fintechs in the financial services business. With the Central bank’s push toward digitalisation, we can safely assume that this trend will inevitably make fintech proliferate deeper into the incumbent bank’s market. Fintechs like Open, Bajaj Finan...

06 May 2022 /retail /markets Digital Banking Trends

A Guide for Choosing OmniChannel Banking Platform

With digitisation taking over the world, people have moved to a digital-first approach. Hence, businesses have also evolved with changing customer needs. This transition has already happened in all industries, including retail banks. Retail banks have transitioned from brick and mortar and extended their presence digitally with multi-channel strate...

03 May 2022 /retail /startups Online Banking

How 8-hour Recreation leads to Double Profit Margins

During the Industrial Revolution, companies attempted to maximize the output of their factories by keeping them running as many hours as possible, Typically implementing a “Sun up to Sun down” workday. ----------------------------------------------------------------------------------------------------------------------------------------------- ...

02 May 2022 /people /startups Business

ReWork - Change the way you work forever

REWORK is the perfect playbook for anyone who’s ever dreamed of doing it on their own. Here are 10 Powerful Quotes from the Book 👇 1️⃣ The real world isn’t a place, it’s an excuse. It’s a justification for not trying. It has nothing to do with you 2️⃣ Evolution doesn’t linger on past failures, it’s always building upon what worked. So should y...

12 April 2022 /startups Business

The Neo Bank that Grew its Deposits to $1.6B

Starbucks is a bank. Today, that “bank” has 24m+ members and $1.6B in “deposits". Here is the backstory of worlds largest Neo Bank - Starbucks : In 1994 they have 425 total stores in their 23rd year By 1999 They opened 625 new stores By 2007 They where opening 3500 stores per year But eventually, this growth backfired. Stores were...

04 April 2022 /payments /retail Digital Banking Trends

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Abhinav Paliwal

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