#TechFin – Srinath's Blog

Tag: #TechFin

Financial Express

With rise of technologies, FinTechs, and consumer adoption of digital, how has it impacted Indian Banks using tech to solve for consumer needs ? I write in my @ Financial Express column that the traditional banks are at the disruptive digital edge. Regulatory moat can only give them time breather, but not really for long.…
Indian TechFin: Are regulations sufficient enough?

The emergence of Indian TechFin has posed regulatory challenges that need to be addressed It’s common to have at least heard of, if not used, a FinTech in the Indian market. Even if one is not a FinTech consumer, one would have heard of their growth, challenges of scale, consumer engagement, and consumer convenience, as…
Fintech has arrived, and ‘Techfin’ is on its way

A telecom giant entering digital finance and retail opens up mind-boggling possibilities, but are regulators ready? About 15 years ago, right after the Global Financial Crisis, the Fintech ideology started taking off. Investors bet on innovators to solve financial sector consumers’ issues using technology. However, Techfins differ from Fintechs in their business, business model, and…
OPINION: As the entire financial services industry is fast evolving, equally agile should be the financial regulators

Banking is one of the oldest commercial and trust-based activities that has existed over the centuries. India has had its form of banking for many centuries, as evidenced from our scriptures. Insurance as a sector has been mentioned in the writings of Manu (Manusmrithi), Yajnavalkya (Dharmasastra) and Kautilya (Arthasastra). The writings describe pooling of resources…
RBI report: Lending is trust. Digital, a layer

The RBI report on digital lending has suggestions on ensuring customers borrow from only verified mediums, and fintech firms that fall under the purview of digital lending include credit and BNPL players The Fourth Industrial Revolution brought in changes in the way we live, work and relate to one another; more importantly, the way we…
FinTech Bank, Not Yet!

A look at the lending sector landscape of banks and non-banks, including digital entities, and the pressures that the stakeholders operate in. The market and investors alike would keenly watch the regulator’s mind in allowing FinTechs to become banks or own stakes in banks. To allow for better regulated sector, are we ready for SRO…