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.

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

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

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

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

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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.