Daily Review: The FinTech Effect

The FinTech effect is difficult to overestimate – the adoption of innovative technological solutions facilitate structural changes in the market, opening up opportunities for previously ‘invisible’ groups of population, strengthening the position of small businesses in the ecosystem, lifting people from poverty and democratizing the financial services industry by boosting...

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Growing Regulatory Complexities – RegTech to the Rescue

Regulations have always been a cumbersome affair for the banking and financial services industry. The global financial crisis exposed many loopholes in the existing regulatory risk assessment framework. However, since then, regulators have sprung into action and are constantly looking for ways to enhance their supervision of the industry, ensuring...

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Consumer Credit – What’s Your White Space Strategy?

Lost in the headline-grabbing news events of January 2018 (including Davos, the Budget, India-South Africa cricket series, and the stock market) was another RBI update on bank credit. While certainly not as interesting as the other topics it had a notable piece of information: consumer lending rose 17.3% in November...

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Authentication & Security

Daily Review: Instant Authentication Gets Global Push, Establishing Next-Gen Security & UX Standards

Identity management and security standards cannot remain stagnant when consumers demand a better UX for the financial products and digital services they use. User experience with authentication can become a breaking point between a successful conversion and missed revenue opportunity for businesses across industries. Fortunately, the pioneer and undisputed leader...

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Italy: Towards a Register For Cryptocurrencies Operators

Anticipating the EU bodies on the AML duties regarding cryptocurrencies operators, on May 2017, the Italian legislator with Legislative Decree no. 90/2017 introduced – among others – provisions specifically addressing virtual money service providers. In the context of the above-mentioned legislative decree, virtual money service providers are defined as “<…>...

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Daily Review: Factors Driving FinTech Growth in India

“India has made a good beginning and is moving in the right direction, but to be a powerful force in FinTech innovation globally, we need to develop a strong ecosystem,” [says] ( [Prantik Ray] (, Professor of Finance at XLRI – Xavier School of Management. Extensive and rich on examples,...

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