Curious Log

Payments & Banking Infrastructure

The rails underneath money: payments, UPI, OCEN, account aggregation, API and connected banking, and how banks and fintechs actually work together.

  • Consumer pitches for payment solutions

    Any new payment solution seeks to change the consumer behavior in a significant way and hence tries to ride on one or multiple triggers. These triggers are the…

  • The Digital Insurer

    Going Digital is no longer a choice that insurers have, its something they need to do and now. What insurers need to understand is how to embrace digital…

  • Enterprise solutions – designing around the customer

    A recent experience with a telecom co. brought back memories from my Credit Card days. A customer issue is raised and gets escalated to the corporate team. The…

  • Exciting future for payments

    Had an interesting conversation over the weekend with the office caretaker- a young late 20’s chap who has his wife and kids back home in Nepal. He told…

  • Airtel gets RBI nod for the mwallet

    Today’s announcement is big news for not only the mcommerce folks in the country but also for people in Telecom, Retail and Payments industry. This approval allows Airtel…

  • Lending after recession

    What happens to loan disbursal policies immediately after recession? – Do the banks tread a careful path & go slow & stricter in lending – Do they see…

  • Mobile operators & financial Services

    The telecom operators in our country have a really enviable position. They are probably the only ones who have in such a short span created a consumer base…

  • New challenges in retail banking

    I was having a conversation on CIBIL and how it has changed the lending process at most institutions in India when someone asked me this – ” A…

  • Card Spends and inflation

    Was remembering my days in the bank when part of my job was to increase Credit card spends by manipulating credit lines for individual customers or clusters. My…