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Our researches and analysis on Payments

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Paytm Payments Bank's Satti: "Create new use cases and innovate to grow"

Renu Satti, chief executive officer of newly launched Paytm Payments Bank, discusses the impact of demonetisation and regulations on cashless transaction in India, the bank’s role in serving the unbanked consumers, and driving digital transformation…

     
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Banks must stop living in the past

Disruption and disintermediation from new market players are forcing banks to realise the urgency of rethinking futuristic strategic models and redesigning processes towards frictionless customer journey.

     
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India's demonitisation calls for rapid innovation in the payments space

Anup Bagchi, executive director and head of retail at ICICI Bank, shares his insights on the digital transformation happening in India as the country transitions from a cash-heavy economy to a cashless one, and his bank’s response to the…

     
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Financial authority drives digitisation and innovation in Taiwan

Taiwan’s Financial Supervisory Commission (FSC) is driving the country’s banks to move to digital platforms through its “Bank 3.0” vision as banks have an urgent need to differentiate themselves in the crowded retail banking market.

     
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Blockchain - Moving from hype to reality

Investments and interest in distributed ledger technology have been rising rapidly as new use cases emerge to harness its potential. The technology is nonetheless still at an early stage with many hurdles to cross, possibly five to seven…

     
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PayMaya serves the unbanked in the Philippines through the mobile app

Access to mobile banking in the Philippines remains exclusive and conventional despite a high mobile phone penetration rate. PayMaya is enjoying some success in penetrating the mobile banking space by reaching out to the "unbanked" segment,…

     
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New competitors are catalysts for growth in mobile payments

Mobile payments are expected to surge in the next few years, driven by technology and analytics. However, banks are facing tough challenges from non-bank competitors offering more attractive services.

     
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New regulation to drive innovation in payments

On 13th January 2018, the new European Directive on Payment Services “(EU) 2015/2366” comes into application. With just under a year to go, financial services providers are gearing up for change. What will be ‘PSD2’‘s immediate effect and…