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Who should have access to our financial data?
What if we own personal financial data on blockchain and get royalty via smart contract every time a third party monetizes our data?
Mar 24, 20224 min read
Can Unbanked Population Access Cryptocurrencies?
Most crypto wallets require customers to use cards or bank transfer to fund a wallet. What about the unbanked and underbanked population?
Jan 24, 20222 min read
Blockchain- Sending Money to Anyone, Anywhere
Money transfer that is either free extremely low cost and takes seconds to reach your account, not days or weeks, from anywhere in the world
Oct 25, 20214 min read
What if your loan payment adjusts with income?
Can borrowed funds be paid off as a percentage of income? It takes away stress of fixed monthly payment when incomes are volatile.
Sep 14, 20214 min read
Is in person service dead?
We should reimagine bank branches as service center for complex tranxs. Getting the formula right will create higher customer retention.
Aug 23, 20214 min read
Mobile payment for the unbanked
A mobile payment option that does not require access to banking, payments cards, smart phone or Wi-Fi
Jul 12, 20213 min read
Free the data from banking core
Unlocking the data out of the core banking system will help FIs to be more innovative, deliver better UX and compete with emerging threats
Jun 28, 20213 min read
Financial Super App for Underbanked
Imagine a super app, an "Amazon of Financial Services" for the
underbanked segment. No more payday lender, no money order for bill payment
May 30, 20214 min read
What if we reimagine credit card?
What if we reimagine credit card without all the gotchas and with consumer control, transparency and installment loan like features in mind?
Apr 18, 20213 min read
Lending for the unbanked – future is coming
How lenders evaluate credit applications has not changed in 20+ years. Now with new technology and data, the situation is changing rapidly.
Apr 12, 20214 min read
Why are you sticking with your megabank for checking accounts?
Large banks must rethink UX, features and business model of their deposit products to fend off coming consumer flight to their competitors
Apr 3, 20213 min read
Is Buy Now Pay Later (BNPL) option pushing consumers into debt?
Using BNPL does not mean being broke. BNPL offers debit card users a no interest loan option like the one transactors get from credit card.
Mar 10, 20212 min read
Customer experience v2.0 for retail banking, customers want what they are used to everywhere else
Retail banking customers are ready for a new paradigm in customer experience beyond sleek mobile apps. Can FIs meet consumer expectation?
Mar 3, 20213 min read
Consumer lending and payments are merging – is your bank ready?
New technology and consumer expectations are erasing the line between payments and lending. Would FIs adapt to their customer need?
Feb 5, 20212 min read
BNPL is here: Why consumers and merchants love it and how to make it even better for everyone
BNPL is one of the best innovations in lending in recent times. We just need to tweak it around the edges to make it even better.
Jan 25, 20214 min read
Retail banking cross sell problem? Account Opening Platform to the rescue
Time to ditch fragmented application processing systems. The future is in connecting banking cores to a single Account Opening Platform.
Jan 14, 20212 min read
Cash from existing credit line - no, it's not cash advance or HELOC
It is time that all credit card users benefit from the credit they already have. Instant, digital, installment cash loan without an ATM.
Jan 10, 20213 min read
Have a credit card, can I select which purchase to pay over time?
Credit card issuers can create transparent, budgeting tool by adding customer-controlled installment feature and delight their customers
Jan 3, 20213 min read