The Crypto Phenomenon: Consumer Attitudes & Usage

whitePaper | May 23, 2023

In May 2020, the European Banking Authority (EBA) published new guidelines on loan origination and monitoring that represent a demanding set of regulations aimed at enhancing banks’ lending processes from the point of underwriting to ongoing monitoring throughout the loan life cycle. Implementing these guidelines has significant implications for systems, data management and internal processes.

whitePaper | July 20, 2022

Business-to-business (B2B) companies today can choose from a growing number of sophisticated options to make and receive payments. Driven by their need for greater speed, fewer errors, lower costs, and better security, companies are adopting new technologies to pay — and be paid by — partners, contractors, product distributors, and suppliers.

whitePaper | August 24, 2022

India's smartphone boom proved conducive for the rise of digital payments. The government-sanctioned push toward a unified payment interface led to over two billion digital transactions in April 2021, just shy of Rs 5 lakh crore. Correspondingly, this also eased access to short-term, low interest credit - reflected in a 220 % jump in offerings such as buy-now-pay-later (BNPL). BNPL products can potentially help plug the Rs. 25 trillion credit gap in the micro, small and medium (MSME) segment, considered high-risk by legacy lenders.

whitePaper | January 24, 2020

Although the wealth management industry is in agreement on the importance of digital innovation, few organizations manage to achieve any business value from their transformation initiatives. This is because most wealth management firms pursue digital transformation as a feature selection exercise, implementing stop-gap solutions that address a pressing need to keep up with competitors or consumer trends. As a result, firms are left with digital capabilities that are basic, disconnected and insufficient to meet clients’ needs.

whitePaper | April 4, 2022

Decentralization, Scalability, or Security: Pick two. In brief, the Trilemma refers to the fact that networks in general (and distributed systems in particular) suffer from internal trust issues, proportionate to their size: The larger the size of any network, the greater the degrees of separation between its members and therefore the lower the level of trust. This problem can only be averted by either a) making it harder to join the network, reducing scalability; or b) delegating the responsibility (and associated privileges) of overseeing the network’s activities to a handful of specialized nodes, sacrificing the inherent appeal of decentralization.

whitePaper | October 9, 2022

Fintech has emerged as one of the most widely used if not poorly defined buzzwords in the finance industry over the past few years. Fintech players are becoming an increasingly important part of the financial services ecosystem, with leading banks scrambling to leverage technological advances by partnering with or acquiring fintech start-ups, to strengthen customer relationships and build scalable networks.