This space is dedicated to my passion for fairness and consumer financial wellness.
Here I share my thoughts on payments and lending, accented by my life experience, products that enhance customers' choice and control.

Mar 24, 20224 min read

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?

Jan 24, 20222 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?

Oct 25, 20214 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

Sep 13, 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.

Aug 22, 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.

Jul 11, 20213 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

Jun 27, 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

May 29, 20214 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

Apr 17, 20213 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 11, 20214 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 2, 20213 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

Mar 10, 20212 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 3, 20213 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?

Feb 5, 20212 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?

Jan 25, 20214 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 14, 20212 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 10, 20213 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 3, 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

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This space is dedicated to my passion for fairness and consumer financial wellness. Here I share my thoughts on payments and lending, accented by my life experience, products that enhance customers' choice and control.

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This space is dedicated to my passion for fairness and consumer financial wellness.
Here I share my thoughts on payments and lending, accented by my life experience, products that enhance customers' choice and control.