Jul 5, 2020Need for a 24x7x365 Real-Time- Payment Network in the USNick did not have Venmo and I do not use Paypal. The amounts were small and odd and I had not got used to paying using my mobile banking app that was too complex to use. It was my first week as a student in the US and we were…2 min read2 min read
Published inThe Dark Side·Feb 16, 2020Future of Banking — Part 1: Potential Shape of Consumer Banking EcosystemBy Nirvikar Jain on The Capital — In my last story, I spent some time trying to deconstruct traditional banks’ evolution and then looked at the changing business and technology landscape and established some core pillars that underscore the evolution of new age banking. In the next set of articles, I will present my analysis of how…Fintech5 min readFintech5 min read
Published inThe Startup·Nov 6, 2019How to Value a Company: Fintech and TransferWise WalkthroughExecutive Summary Build up the initial valuation parameters to understand the company’s direction. To begin to value a fintech business, one must first assess the following characteristics about the company and its market: Market size: TAM, SAM, and SOM Pricing range and potential: What will one unit of product/service cost now and…Startup14 min readStartup14 min read
Published inThe Startup·Nov 6, 2019How to value a fintech startupFintech is a popular contemporary buzzword and many of its products touch our lives every day. A fintech simply refers to a company that operates in the financial services sector and leverages the power of technology to simplify, automate, and improve the delivery of financial services to end customers. …Fintech13 min readFintech13 min read
Nov 3, 2019Digital Banking Innovation in the Age of DisruptionNew-age fintech challengers are chipping at “traditional banks” from all sides and slowly dismantling the protective walls built up by the incumbents over the past century. …Fintech12 min readFintech12 min read