Archive for author: Siddhartha Basu

Collaborative Finance Meets Big Data
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The Collaborative Evolution of Digital Payments – Part 3

Collaborative Finance Meets Big Data Welcome back to our ongoing exploration of “Collaborative Finance in a Fragmented World.”In our previous posts, we have uncovered the transformation driven by...

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The Collaborative Evolution of Digital Payments – Part 2

Transformative Alliances in Digital Payments In our last article (the first in this series on ‘Collaborative Finance’ with specific focus on digital payments), we explored how the diverse landscape of consor...

connected_finance
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The Collaborative Evolution of Digital Payments – Part 1

In an age of rapid technological advancement and intricate financial networks, the theme “Collaborative Finance” resonates profoundly, particularly within the realm of digital payments. As a diverse...

Redefiningpayments
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Redefining Payments: Tracing the evolution of Unified Payments Interface

Old dog, new tricks Unless you have been dwelling in a cave, it’s impossible to escape the mighty Unified Payment Interface (UPI), India’s sensational real-time payment and money transfer option....

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Money Go Round – A Look into PSD2’s Open Banking Payments

From the History Books The date of April 11th holds a special significance in the tech world.On this fateful day back in 1976, the original Apple computer was built, paving the way for Steve Jobs and co. to ...

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Conversational convergence

A Promise Made It has been almost 5 years since Google first showed off their voice assistant Google Duplex. Dressed casually in a bomber jacket, Sundar Pichai waltzed onto the stage and enthralled the audie...

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CBDC – The era of sovereign digital money – Part 4

The Retail Avatar In its retail form, CBDCs are meant to be used by individuals and businesses for daily transactions, just like physical cash or electronic payment methods such as credit cards and digital ...

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CBDC – The era of sovereign digital money – Part 3

Interoperability across nations CBDCs can be broadly classified into ‘Wholesale’ and ‘Retail’, based on the key stakeholders and the proposed functionality of the currency. Wholesale CBDCs relate to the issu...

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CBDC – The era of sovereign digital money – Part 2

The promise of a better world Meta’s Diem initiative was abandoned in January 2022, but it will forever be regarded as the first, serious, organizational attempt to challenge the status quo of monetary sover...

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CBDC – The era of sovereign digital money – Part 1

The dwindling relevance of physical cash It was in 2020 when I first heard about “Anthropophobia” – you know, the fear of being around other people. And honestly, with Covid then lurking ar...