Latest opinions that Kartik Swaminathan has shared on Finextra

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Kartik Swaminathan

Author - 3F: Future Fintech Framework & Founder

Fintastech (Fintech Consulting & Coaching)

Member since

29 Sep 2014

Location

Navi Mumbai, India

View Kartik Swaminathan's full profile

Kartik's opinions

Buy Now Pay Later (BNPL) – What’s Different?

The payment industry has recently seen rapid growth in a mode of payment called BNPL or Buy Now Pay Later. BNPL has emerged as a new mode of payment especially across digital channels, where buyers are given the option to purchase goods / services and pay later in easy instalments. This payment mode has shown a very high rate of growth over other ...

26 August 2021 /payments /inclusion BNPL

Cryptic Cryptos & Digital Currencies

We recently heard of a crypto exchange being hacked. In past too, there have few unexplainable incidents with hundreds of millions of dollars being lost across some exchanges. This leaves a big credibility gap w.r.t. Cryptocurrency Exchanges that facilitate them. We have also seen terms like Non-Fungible Tokens (NFT’s) which are used to digitise a...

15 August 2021 /crypto /markets Cryptocurrency Insights

Olympics and Fintech - Yes, that is possible

Olympics & Fintech - Olympics is a mega event with multiple ecosystems / dimensions within: - - On one hand there is a sports event with participation from across the world - There is a dimension of travel & tourism - Loads of content is created and consumed - There is a whole range of merchandise, branded products and services that will...

05 August 2021 /payments /retail Embedded Finance

Fintech Regulations - Way Ahead

With so much happening in Fintech regulators have a challenge at hand. We have in recent past seen many regulatory actions in India and am sure there are many taking place globally too. Highlighting some as below: - - Curbs on UPI driven lending innovations like Bullet, Lazypay etc. as regulators felt they are more like Overdrafts rather than pa...

28 July 2021 /regulation Innovation in Financial Services

Skills for Future of Work in Digital World

15th July was World youth Skills Day. The importance of Skills has increased, especialy with recent pandemic and of course the Digital world is also posing new opportunites for youths. But is that the case? A recent survey by Mckinsey done across 15 countries and 18k people, identified 56 foundational skills for future of work. These skills have b...

17 July 2021 /people /predictions Fintech innovation and startups

Account Aggregator Ecosystem

The Account Aggregators (AA) framework in India has been another revolution in the making. It is part of the larger India Stack. Just as it was quietly taking shape since 2016, it has also silently started manifesting itself with many participants going live in stages over last few months. I discuss some of the salient aspects & Use cases of t...

13 July 2021 /wealth /retail Open Innovation Ecosystem

Dealing with AI / ML - Insights and Challenges

Artificial Intelligence, Machine Learning & Deep Learning (AI, ML & DL) are being increasingly looked at w.r.t bringing in benefits of automation and reducing human limitations or bias in the system. I recently attended some online sessions on AI, ML & DL, where presenters shared some good perspectives. I learnt that, while AI, ML &...

24 June 2021 /regulation /retail Artificial Intelligence and Financial Services

3F: Future Fintech Framework

We are seeing a lot of action in the Fintech (Financial Technology) segment globally. So, be it in about emerging technologies, convergence with other sectors as Fintech is getting embedded, regulations, ecosystem evolution with API marketplaces, different player types and business models, I always felt a need for a Simplified and Futuristic Frame...

24 April 2021 /retail /startups Fintech innovation and startups

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