Digital Bank A Proposal for Licensing & RegulatoryRegime for India

whitePaper | April 13, 2022

Case studies, comparisons, statistics, research and recommendations are provided “AS IS” and intended for informational purposes only and should not be relied upon for operational, marketing, legal, technical, tax, financial or other advice. Visa Inc. neither makes any warranty or representation as to the completeness or accuracy of the information within this document, nor assumes any liability or responsibility that may result from reliance on such information. The information contained herein is not intended as investment, tax, or legal advice, and readers are encouraged to seek the advice of a competent professional where such advice is required.

whitePaper | May 24, 2022

Organizations experience pressures to finance growth strategies and improve their companies’ bottom lines while labor costs rise and global inflation soars. The cost of doing business is pinching profit margins across all industries. At the same time, changing customer behaviors and expectations force new business models to emerge.

whitePaper | November 24, 2021

For retail banks entering a post COVID-19 world, the only way is cloud. Today, the world’s most disruptive banks are in the cloud. For newcomer banks, cloud has been the only option for some time – and the same is increasingly true for established banks as well. Why? Because cloud is not only disruptive in its own right, but also provides the foundation for harnessing other emerging technologies. As the COVID-19 crisis continues to play out, the need for banks to transform digitally using cloud is accelerating by the day. To do this, banks must steer their operations toward a new operating model. One that delivers a highly relevant customer experiences, provides easy access to innovation, and reduces total cost of ownership (TCO) without the burden of managing security and infrastructure. The way to achieve all this? Cloud. And banks worldwide are getting the message.

whitePaper | June 21, 2023

Over the past few years, the banking industry has experienced a radical paradigm shift towards digital adoption, driven by a progressive change in needs and habits of its customers, further accelerated by the Covid-19 pandemic context.

whitePaper | January 6, 2020

Finance’s role is evolving. Following the 2008 financial crisis, it guided the business through extraordinarily difficult economic times, relying on cost management and lean practices to keep their organizations afloat. Today, finance must switch gears and find ways to navigate sustainable and profitable growth.

whitePaper | October 10, 2022

Over the last decade, $5 trillion of market value has been created in financial services.¹ The sector’s gross profit pool has swelled to an amount larger than any other major group – larger than software, e-commerce, semis, and even healthcare. Since financial services are ingrained into nearly every aspect of our life and work, it is a natural target for disruption and innovation. Fintech has just experienced its very first venture-fueled innovation cycle with the percent of venture dollars rising from <5% of dollars deployed in 2011 to ~22% in 2021.² Hundreds of billions of dollars invested in the space has fueled a new wave of technology evolution around the world from omni-channel payment providers to B2B payments and fully re-bundled digital banks.