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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...

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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...

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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...

Tribe Focused Banking
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Tribe Focused Banking

There was a time when the term tribe brought to mind a bow-and-arrow-wielding ethnic community, usually led by a chief. Today it also refers to emerging communities with common ideologies or interests such as c...

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Digital Wallets – Security

How secure are Digital Wallets? This is a question that naturally comes to mind as DWs are all about money. Since DWs usually have mobile apps, what happens if the mobile device is lost or stolen? DW may have a...