Latest opinions that Kaustuv Ghosh has shared on Finextra

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Kaustuv Ghosh

CEO

Nxtgen Payment Infra.

Member since

17 Mar

Location

Singapore

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Kaustuv's opinions

Agents and Customer Engagement

Digital customer engagement has long been a white space. Let us look at how this may become-once again-a revenue driver for brands. Quite a bit is being written about how AI-enabled agents can do everything and the future is “agentified”. The truth is more nuanced. Certainly, the user interfaces that been around for a long time are less than satis...

03 November 2024 /ai /startups Artificial Intelligence and Financial Services

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...

30 October 2024 /payments /inclusion Asia Financial Services

AI, Sustainability and Supply Chains-The Importance of ASEAN for global investors.

I was pleased to be at the Reuters NEXT APAC Conference in Singapore earlier this month. This piece considers where ASEAN is placed, why it is important for the European Union(EU), the United States and power blocs, and the big ideas that are likely to firm up into actions after this event. I have drawn upon what speakers have said and added my ow...

28 July 2024 /wealth /sustainable Artificial Intelligence

AI and Emerging Risks to Banking and Financial Services in ASEAN and other frontline markets

Introduction This blog is based on an article co-authored along with Matthew Lamons, CEO of The Intelligence Factory and is an edited version of the same article. As a matter of introduction and context, we work closely together to enable strategic decisioning and risk mitigation through AI. We felt that the current global risk situation requ

16 July 2024 /ai /security Artificial Intelligence and Financial Services

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...

14 July 2024 /ai /payments Asia Financial Services

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...

08 July 2024 /payments /retail Asia Financial Services

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...

02 June 2024 /payments /retail Asia Financial Services

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...

15 May 2024 /retail /inclusion Asia Financial Services

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.

07 May 2024 /payments /retail Asia Financial Services

Uncertainty On The Weather Front-The New Frontier For Financial Services

Let us agree that the weather is important for financial services. How prepared are we for long-term, continuous changes in it's patterns as well as near-term instability? How should financial institutions and services respond as their asset bases are exposed more and more to things that cannot be controlled? This piece attempts to look at the i

26 April 2024 /sustainable /markets Banking Strategy, Digital and Transformation

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