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Dr. Ritesh Jain
CEO/ Founder at Infynit
London, United Kingdom
Ritesh is an Entrepreneurial Technology Leader and Board Advisor with two decades of global experience in Digital Technology, Business Transformation and Operations with various corporates, helping them build successful businesses. He is recognised amongst the top 100 Fintech and Payments leaders globally. He has been awarded a PhD for his contribution to Digital, Payments Innovation, Open Banking and Financial Inclusion by a leading UK university. He has managed large teams of 2000+ and yearly budgets of £500 Mn+ and led milestone changes in Financial Services, Fintech, Shipping, Telecom and Government. He led the future of payments for VISA and won a CEO award for Delivering Apple Pay and Tokenisation to the world for the first time. Ritesh built and led the Digital Centre of Excellence at Maersk and steered its recovery from the most significant cyber incident in the shipping industry. He has helmed strategic digital and technology initiatives at HSBC to build the platforms and bank of the future and recently mentored Infynit, a fintech, to disrupt the credit market in the UK. He is a keynote speaker, published author, mentor and advisor to Harvard Business Review, MIT, IIT Kanpur (India), incubation centres, the Parliamentary Digital Service in the UK, and other fintechs and startups in Europe and Asia, including Y Combinator. Ritesh is an expert on open banking and a trusted advisor to payment regulatory and government bodies, the big four consulting firms, VCs & PEs. He has advised major payments programs globally, such as UPI, P27, and, recently, Fednow in the US, apart from participating actively in regulatory affairs in India, the UK, and other markets for payments. He is also a member of G20 GPFI (Global Program for Financial Inclusion)
Along with global experience, Ritesh has strong Indian roots and is actively involved in the Indian fintech, financial services and startup ecosystem. He built a wealth management company as a founder CTO; mentored and set up India's second-largest fantasy gaming company, which was acquired in 2020. Ritesh has mentored and helped fintechs / startups like BharatX, Financepeer, Basic, to name a few, scale up their business. Presently, he is actively advising and mentoring IIT Kanpur & City Bank accelerator, helping startups grow and expand.
Available For: Advising, Authoring, Consulting, Influencing, Speaking Travels From: London
Speaking Topics: Fintechs, Financial Inclusion, Payments, Digital Technology, Financial Services, AI, ML, Quantum,
Dr. Ritesh Jain
Points
Academic
116
Author
78
Influencer
140
Speaker
304
Entrepreneur
190
Total
828
Points based upon Thinkers360 patent-pending algorithm.
Why will the finance sector become a new aspect of cloud in the next decade?- Ritesh Jain, COO- HSBC
Finance leaders are considered the guardians of the economic environment they are part of. They are tuned to the minutest of changes that affect the economy. As we knock at the doors of 2020, they are quick to realise that there is a marked shift in the way the economy operates and what the customers expect out of banks. That there is a need to decrease the ever-widening gulf between the increasingly digitised customer and available financial products and services. And, they are willing to embrace technology that helps them do this better.
Taranis Capital, the ethical, fintech-focused investment fund, has announced the formation of its Advisory Board, which comprises globally recognised leaders in banking, fintech, capital markets, and technology. The Advisory Board members will provide strategic guidance and support to help Taranis Capital achieve its ambitious investment goals. With its experienced founding members and its focus on ethical investment, Taranis Capital is well-positioned to become a major player in the fintech industry.
Dr Ritesh Jain said “I am excited to join Taranis Capital as a Board Advisor. They empower fintech pioneers and promote sustainable growth in Dubai's diverse economy. Their commitment extends beyond financial gains, focusing on genuine change based on ESG principles. Taranis Capital provides both capital and an environment that fosters creativity, innovation, and growth. With experienced founders and a renowned advisory board, they form a formidable team. Their investments in cutting-edge technology, embedded financial services, open banking, and digital financial inclusion align perfectly with my background in Banking, Payments, and Fintech. Taranis Capital is not just an investment firm but a change-making partner, combining vision and purpose to create innovation with sustainability.”
Strategic Advisory Board & Founding Member - Centre of Fintech at University of London
University of East London
April 14, 2022
UEL Fintech Centre has a powerful vision driven by sustainability & inclusivity and with support from industry partners and fellows!
Upskilling and Reskilling are the only way forward for the industry to flourish, and education/industry partnerships are critical for sustainable growth. UEL is providing students with the required curriculum, practical experiences through industry partnerships and opportunities to work with fellows and industry partners to prepare an industry-ready workforce and bring partners and fellows from broad sectors for more excellent exposure to students and staff!
I am looking forward to supporting and working with University and Fintech Centre!
Advisory Board Member - CEAI
CEAI
December 01, 2021
CEAI is primarily formed as an effort by MyFinB Group with the objective to support society at large, people and industries with AI solutions aligned with the SDG17 goals of the United Nations.
At CEAI, we believe AI can help drive positive impact by solving some of the world’s most pressing challenges. While the prime advantage of AI is to enhance business and the economy, AI for Positive Impact focuses on the aspect of artificial intelligence applied for helping people and the environment.
By using AI for positive impact, CEAI supports social innovation projects in many SDG sectors such as Education, Health and Wellbeing, Clean energy, Industry innovation and infrastructure, responsible consumption and production to name a few.
HPC AI Wallstreet
HPC AI Wallstreet
September 28, 2020
The global market size of High Performance Computing (HPC) was valued at $34.62 billion in 2017, and is expected to expand at a Compound Annual Growth Rate (CAGR) of 7.2% through 2025. The global enterprise AI market was valued at $4.68 billion in 2018, and is projected to reach $53.06 billion by 2026, with a CAGR of 35.4% between 2019 and 2026.
HPC + AI Wall Street is formulated to advance the understanding of market-ready innovations, enabling growth, new revenue streams, and competitive advantages.
Who Owns AI’s Mistakes? The Accountability Dilemma!
LinkedIn
February 06, 2025
It’s a critical question—one that defines the future of AI governance, risk, and trust. Some argue that AI is just a tool, shifting responsibility to the user. Others counter that businesses deploying AI must own its outcomes, just as a car manufacturer owns its safety features or a pharmaceutical company ensures the efficacy of its drugs.
Consumer Financial Protection (CFPB) at a Crossroads!
LinkedIn
February 03, 2025
The removal of Rohit Chopra as Director of the Consumer Financial Protection Bureau (CFPB) marks a pivotal moment in the ongoing struggle between regulatory oversight and financial industry influence. His tenure was characterized by a bold approach to consumer protection, targeting excessive banking fees, Buy Now Pay Later (BNPL) products, and the growing role of Big Tech in financial services. Now, as the leadership of the CFPB transitions, the direction of U.S. financial regulation is once again in flux.
NPCI Launches UPI for Secondary Market Trading from January 1, 2024; What It Means For Investors?
NPCI
December 30, 2023
The National Payments Corporation of India (NPCI) is set to launch a Unified Payments Interface (UPI) feature for stock trading in the secondary market starting January 1, 2024. This initiative will start in its beta testing phase for the equity cash segment and aims to streamline trading and enhance security and profitability for investors.
Tags: Digital Disruption, Digital Transformation, Leadership
Digital Entrepreneurship: Navigating the Maze Leading to Success
California Management Review (CMR)
July 24, 2023
Decoding Digital Entrepreneurship
Recently, I had the privilege of contributing to the California Management Review, diving deep into the fascinating realm of digital entrepreneurship.
Here's a snapshot:
The digital economy is on the rise, projected to touch a staggering $60 Trillion by 2025. But what sets successful digital entrepreneurs apart?
Key Attributes:
Global Vision
Tech Expertise
Agile Adaptability
Persuasive Communication
Thoughtful Leadership
Roadblocks:
While the journey promises growth, it's also riddled with challenges like regulatory nuances and understanding diverse consumer behaviors.
Guiding Principles:
Dream big and act bigger.
Leverage technology's full potential.
Embrace continuous innovation.
Deliver true value.
Passion > Profit.
In the face of rapid technological shifts, having a long-term vision, nurturing stakeholder relationships, and maintaining relentless faith are indispensable.
For a deeper dive into these insights, check out my article in the California Management Review. Together, let's navigate and shape the digital future!
Tags: Digital Disruption, Entrepreneurship, Leadership
Beyond Disruption: Fostering Growth and Innovation Without Sacrificing Existing Businesses
LinkedIn
May 05, 2023
Over the last few decades, "disruption" has become a prevailing mantra in the business world. Companies have been urged to disrupt industries, disrupt competitors, or even disrupt themselves to innovate and grow. Disruption is often seen as synonymous with innovation, and it is no wonder it has become a widely discussed topic. Whether from low-end or high-end innovations, like the iPhone's dominance in the mobile phone market, disruption is undeniably a significant force in today's business landscape.
Ajay Banga's Appointment as World Bank President: A New Dawn for Global Economic Leadership
Finextra
May 04, 2023
Ajay Banga's Appointment as World Bank President: A New Dawn for Global Economic Leadership.
The recent nomination and appointment of Ajay Banga as President of the World Bank have ignited a wave of excitement and anticipation within the global community. As a banking and payments expert working in the financial inclusion space along with the G20 GPFI, who has had the distinct honour of witnessing Ajay's remarkable leadership firsthand, I can confidently vouch for his steadfast dedication to financial inclusion, innovation, and sustainable growth.
Ajay Banga, the trailblazing former CEO of Mastercard, has left an indelible mark on the financial services industry through his relentless pursuit of financial inclusion, innovation, and sustainable growth.
I have put together some thoughts on implications for global economies in challenging times, expectations for Ajay Banga and the World Bank, a proud moment for the Indian Diaspora, and a boost for India. I don't have a crystal ball and can't predict the action plan. However, I assume some of the potential initiatives Ajay Banga may pursue to promote economic development, reduce poverty, and promote shared prosperity.
#innovation #experience #community #leadership #payments #collaboration #sustainable #india #financialservices #inclusion #worldbank #ajaybanga #mastercard #mastercardfoundation Efi Amit Paolo Brett Jim Observer Research Foundation Arjun Shamina Marion Fintech Week London Mastercard Foundation Mastercard Center for Inclusive Growth Accion St. Edward's School, Shimla, H.P India
Tags: Digital Disruption, Digital Transformation, Leadership
Top 5 Fintech trends to look out for in 2020
LinkedIn
January 22, 2020
The finance sector always had a high barrier to entry for start-ups. Bucking earlier trends, the last decade saw many new entrants. Dubbed Fintech as their USP was being at the cusp of finance and technology, they are expected to grow at a faster pace in the coming decade. Starting with services that traditional banks found tiresome or less profitable, like mobile payments, they are now poised to take over even core Financial Services like banking.
Ways to optimise the compliance and regulatory processes for businesses
LinkedIn
January 07, 2020
Compliance with standard rules and regulations is essential for any industry, more so in the banking industry. The banking industry has to conform to multiple regulations by the government, failing which can lead to major monetary as well as reputation loss. Let's first understand why compliance is crucial!
Why will the finance sector become a new aspect of cloud in the next decade?
LinkedIn
December 20, 2019
Finance leaders are considered the guardians of the economic environment they are part of. They are tuned to the minutest of changes that affect the economy. As we knock at the doors of 2020, they are quick to realise that there is a marked shift in the way the economy operates and what the customers expect out of banks. That there is a need to decrease the ever-widening gulf between the increasingly digitised customer and available financial products and services. And, they are willing to embrace technology that helps them do this better.
Community Banks, Credit Unions, and Building Societies: Redefining the Future of Finance
LinkedIn
October 07, 2024
A quieter, transformative shift is occurring in today's race towards fintech innovation, neobanks, and digital-first solutions. Community banks, credit unions, and building societies are surviving and actively redefining the financial landscape. These traditionally local financial institutions show that technology, community trust, and personalised service can revolutionise banking in a quickly changing world. Their journey from Africa to the UK, India, and the U.S. tells a compelling story of reinvention, blending digital convenience with deep-rooted community values to foster financial inclusion and sustainable growth (Accenture, 2023).
World Business Angel Investment Forum
WBAF
December 31, 1969
As an affiliated partner of the G20 Global Partnership for Financial Inclusion (GPFI), the World Business Angels Investment Forum (WBAF) is committed to collaborating globally to empower the economic development of the world by fostering innovative financial instruments for startups, scaleups, innovators, entrepreneurs and SMEs and to promoting gender equality and women’s participation in all sectors of the world economy. WBAF invites you to join our global efforts to ease access to finance, promote financial inclusion, and create more jobs and social justice.
FinTech Women Walk the Talk: Moving the Needle for Workplace Gender Equality in Financial Services and Beyond
Palgrave Macmillan
January 09, 2022
The Fintech community is steeped in change and has the potential to pave the way for equal opportunities in the workplace with all the positive actions that have taken place. There is much more that can be done but what has been achieved so far needs to be replicated. This book showcases the successes in the industry as well as what could act as a barrier or escalator. This book is the first of its kind, drawing upon the author’s podcasts with more than 115 FinTech experts sharing their insights into the space. More than 100 of these experts are women within the FinTech community. It is a call to action for diversity in the workplace, showcasing the successes and presenting how to overcome the challenges. By demystifying FinTech and its opportunity for change, the book explores how to achieve gender parity in the workplace using the FinTech industry as a case study, which will be of interest to practitioners in financial technology alongside tech and finance at large.
Tags: Diversity and Inclusion, FinTech, Leadership
Applied Ethics in a Digital World
IGI
November 01, 2021
Applied Ethics in a Digital World provides an analysis of the ethical questions raised by modern science, technological advancements, and the fourth industrial revolution and explores how to harness the speed, accuracy, and power of emerging technologies in policy research and public engagement to help leaders, policymakers, and the public understand the impact that these technologies will have on economies, legal and political systems, and the way of life. Covering topics such as artificial intelligence (AI) ethics, digital equity, and translational ethics, this book is a dynamic resource for policymakers, civil society, CEOs, ethicists, technologists, security advisors, sociologists, cyber behavior specialists, criminologists, data scientists, global governments, students, researchers, professors, academicians, and professionals.
Tags: Digital Transformation, Digital Disruption, Culture
Building a Digital Future
Wiley
April 15, 2021
The rise of remote work and the rapidly increasing use of cloud technologies are just two drivers of the relentless pace of digital disruption. Despite this, many companies remain underequipped or hesitant to embrace digital transformation. Understanding the key drivers of change and leveraging the powerful capabilities from technologies with a collaborative platform can aid an organization to prepare for digital transformation. Building a Digital Future provides a clearly defined roadmap for executing this change with Microsoft Dynamics 365.
How Open Banking, APIs & Banking-as-a-Service Are Transforming the Financial World
Financial Brand Forum
November 14, 2022
Open banking has become a major driver of digital transformation across the financial sector, revolutionizing payments, lending, investments, and transactional ecosystems almost overnight.
In this unique digital banking showcase, you’ll see how open banking technologies are creating exciting new opportunities to reach new markets with new products. You’ll see how APIs are generating new revenue streams and rapidly expanding distribution models, with examples from financial institutions of all sizes.
This session will teach banking executives:
How traditional banking providers are deploying open banking tools to cross-sell new products and fuel growth
How APIs increase efficiencies and accelerate innovation while improving CX
The various ways open banking strategies can be executed, including Banking-as-a-Service, Banking-as-a-Platform, and embedded banking delivery models
How financial institutions are partnering with fintechs and keeping pace with bigtech disruptors by leveraging APIs to power unique products and solutions
Who is Who in Fintech - Top 100 Fintech Leaders.
Onalytica
September 01, 2021
These Who’s Who reports are created using the Onalytica platform which has a curated database of over 1 million influencers. Our platform allows you to discover, validate and categorise influencers quickly and easily via keyword searches. The lists are made using carefully created Boolean queries which then rank influencers by resonance, relevance, reach and reference, meaning influencers are not only ranked by themselves, but also by how much other influencers are referring to them. The lists are then validated, and filters are used to split the influencers up into the categories that are seen in the report.
https://moven.com/wp-content/uploads/2021/08/Onalytica-Whos-Who-In-Fintech-21.pdf
https://moven.com/wp-content/uploads/2021/08/Onalytica-Whos-Who-In-Fintech-21.pdf
July 22, 2021
Global Top 100 Fintech Leaders - Who's who in Fintech
Can UPI challenge the dominance of the USD?
The Hindu Business Line
June 22, 2023
In this podcast episode, Dr. Ritesh Jain, Founder, Infynit, discusses the concept of de-dollarisation, which refers to reducing reliance on the US dollar as the global mode of exchange. He highlights the increasing concerns about the dominance of the USD in the global financial system and how developing countries perceive it as excessive dependence and potential weaponisation by the US. Jain explains that de-dollarisation aims to remove the dominance of a single currency and explores the reasons why countries should consider alternative currencies.
Jain also talks about India’s role in de-dollarisation through its participation in the BRICS consortium. While India has concerns about China’s intentions, it has been making efforts to strengthen ties with neighboring countries and promote the use of Indian rupees in bilateral trade. The podcast also examines the impact of Russia’s tensions on cross-border transactions and how India’s initiatives, such as the UPI (Unified Payments Interface), can disrupt the dominance of the USD.
Dr. Jain praises UPI as one of the best payment infrastructures globally and discusses how India’s focus on building trust, international cooperation, and stable financial policies can lead to the recognition of the Indian rupee as a trusted currency. However, he emphasises that UPI’s current form may not be fully equipped to challenge the dominance of the USD on a global scale. Factors such as international adoption, currency stability, liquidity, and a robust financial infrastructure need to be in place for UPI to become a viable alternative.
Future of Fintech with Open Banking & Emerging Tech
LEAP and Innovate , Informa
February 09, 2023
I missed Keynote at LEAP22, as I had COVID 2 days before the Keynote & I promised I would be there for LEAP23. It was well worth it! one of the largest tech conferences and had a great lineup with over 172000 attendees! and Phenomenal Saudi Arabia.
It was a pleasure to deliver a Keynote at LEAP23 on the Future of Fintech with Open Banking & Emerging Tech in Riyadh, Saudi Arabia!
The keynote focus was on: Payments Innovation, Open Banking & Emerging Tech.
Everything evolves & revolves around Payments!
Open Banking is just the stepping stone!
Technology is Eating Finance!
Apart from the Keynote, it was a pleasure meeting friends from around the Globe, Leda Glyptis, PhD Ghela Boskovich, Varun Alagh Fadi AlAwami, CP Gurnani Ashim Patil Akira Sakano Amy Peck BORGET Sebastien Mohamed Imtiyaz Adhrita Nowrin Anu Bhardwaj and many more! And thanks to Khalid & Umashankar, who travelled 450 km one way to meet and Abbas, who made his presence known from Jeddah!
Building Sustainable Economies with the Women at the Centre
Nations Of Women, United Nations
March 31, 2022
The connection between women's economic participation and prosperity is undeniable. Long term economic, human and environmental capital investments are critical to Sustainable development. At present, half of the world's human capital is underutilised and undervalued globally.
Women – and their potential contributions to social, economic and environmental protection – have been marginalised. Better use of the female population would significantly impact economic growth, poverty reduction, social being and sustainable development in economies. The gender gap needs to be closed through enlightened government policies and consider this critical dimension.
We have always known that women entrepreneurs play an essential role in supporting inclusive economic growth. The pandemic has made it more evident that countries ignore women's role as job creators, employees and contributors to economic expansion at their peril.
Tags: Diversity and Inclusion, Entrepreneurship, Sustainability
Financial intelligence for entrepreneurs and intelligent investors
The World Investors and Entrepreneurs Summit
March 27, 2022
Financial intelligence for entrepreneurs and intelligent investors at WISE, WISE 2022 brings together a global ecosystem of investors (angels, family offices, venture capital, private equity) and successful entrepreneurs to create new opportunities, partnerships, collaboration, acquisition, and investment.
Tags: Entrepreneurship, Leadership, Venture Capital
FINTECH MASTERCLASS
FINTECH FESTIVAL INDIA
March 03, 2022
The global payments industry has seen more innovation than the previous decades combined – from mobile payments, contactless payments, real-time transactions, embedded payments, growing digital wallets, QR codes to tokennization through cryptocurrencies and CBDCs. The growth in the payments industry is accelerating and revenues from it are set to reach $2.9 trillion by 2030.
This is why CFTE’s Payments masterclass is designed to give you the skills you need to understand the current transformation the payments industry is undergoing and how it is changing financial services. With this masterclass, you will have the chance to learn the real-world applications of new technologies and innovations in digital payments from an industry expert at the forefront of fintech innovation.
Hult Prize Event
Hult International Business School
January 03, 2022
The COVID-19 pandemic has exacerbated the hunger crisis across the world, and one of the best ways to address this challenge is to ignite the mind of students to come up with solutions.
Thapar Institute of Engineering and Technology (TIET), Patiala hosted the preliminary round of the Hult Prize Foundation competition in December 2020 to showcase student-led innovations which can solve pressing social issues.
Considered as the “Nobel Prize for students,” the Hult Prize is an impact-focused programme which serves as a platform for events and training for students across the world to create a pathway for them to take action to build a better world. It provides a $1 million grant for award-winning solutions.
AI in Financial Services and Fintechs
AI World Summit
December 01, 2021
How superfluous is AI-Powered or powered by AI Digital marketing by some financial institutions
The potential annual value of AI and analytics for global banking could reach as high as $1 Trillion
What's required for AI Transformation or AI-first organisation, what are the challenges
Being Ethically Digital is still the most significant challenge
Want to know more in-depth?
Feel free to join us as we are drawing near to the phenomenal AI World Summit 2021/22 event happening this week on Wed, 1st Dec 2021 @9AM - 9 PM SGT (GMT +8).
Fintech Products and Investments Trend from Ritesh Jain | Payments Trends
CFTE
November 10, 2021
At the Singapore FinTech Festival 2021, CFTE hosted a whole new event format called 5x5x5: The Fintech Brain Power - 5 global experts shared in 5 minutes their ideas on Fintech, Payments, Open Banking, and AI with just 5 slides.
Listen to Ritesh Jain, Co-Founder of Infynit where he discusses the latest trends in payments!
Ritesh shares how BNPL, cryptocurrency, contactless payments, investments are changing the finance industry.
Learn all the skills of payments and get accredited with our Payments specialisation https://bit.ly/33tRNz0
Do Digital Assets Call for Innovative Regulations
CFTE
November 04, 2021
From gold to fine art, by representing physical assets as digital tokens on a DLT or blockchain, it's possible to unlock the value of real-world assets and exchange them in real-time. Do you agree?
AI in Payments - Conference Chair
Kinfos, AI In Payments - Americas
June 24, 2021
Artificial Intelligence (AI) is here for quite some time and is successfully being used in banking applications like Fraud Analysis and Customer Risk Scoring but with a limited scope. With such high expectations for the technology in payments and in myriad other industries, what will AI actually mean for consumers and merchants? What types of problems do payments technology companies and financial institutions expect to solve by deploying AI and other similar technologies?
AI and machine learning is quickly becoming a valuable tool for payments companies and financial institutions to reduce fraud in all environments, but particularly in securing e-commerce transactions. Through machine learning algorithms, payments companies can analyze more data in new and innovative ways to identify fraudulent activity. With AI and ML, payments companies can search rapidly and efficiently through this data beyond the standard set of factors like time, velocity and amount.
Through our research we have identified that the Payment Industry is on the cusp of reforms and players are eager to implement AI for efficient payment processing. There are many areas within payment processing where AI has a great potential to succeed.
Payments Solutions in Digital Banking
CFTE, EBTN
May 11, 2021
We wrapped up an intriguing webinar on ‘Payment Solutions in Digital Banking’ yesterday, that completely revamped our payments outlook for 2021 and going forward.
The webinar covered key trends in payments like:
Growth in Contactless Payments
#Omnichannel Experience
The #BuyNowPayLater Business Model
Technological Evolution
Financial Inclusion
The event also included an engaging panel discussion on the importance of #payments, the rise of digital currencies like #crypto and emerging innovations across the landscape.
We were delighted to co-organise this insightful event and thank our partners EBTN - The European Banking & Financial Services Training Association and Budapest Institute of Banking..
..along with a wonderful lineup of speakers including Fabian Vandenreydt, Ritesh Jain, Gergely Fábián and Huy Nguyen Trieu, for being a part of it!
The Future of open Banking in 2023
The Financial Brand
April 09, 2023
I was recently a guest on the "Banking Transformed" podcast hosted by Jim Marous. In this episode, we discussed the future of open banking in 2023 and explored the latest initiatives, challenges, and opportunities in the world of finance.
As an avid learner, I've spent years working, studying, and analyzing the payments and open banking landscapes. During our conversation, Jim and I had the opportunity to delve deep into the key trends and issues shaping the future of open banking, including regulatory changes, customer expectations, and the rise of digital banking.
We also discussed the opportunities and challenges open banking presents for businesses and customers. Whether you're a fintech entrepreneur, a banking executive, or a curious industry observer, I am sure you will enjoy this!
I want to extend a big thank you to Jim for hosting me on his podcast and for the thought-provoking questions he posed during our discussion. I hope you all enjoy listening to this episode as much as I enjoyed recording it.
https://thefintechtimes.com/a-look-back-at-leap23/
The Fintech Times
February 11, 2023
LEAP23 has come to a close as the technology conference celebrates record-breaking attendance and announces even more ambitious plans for next year.
LEAP23, the technology conference in Riyadh, Saudi Arabia, came to a close on Thursday after four days of its stellar industry-leading agenda, which pioneered the theme ‘Into New Worlds’. With 172,000 attendees, including The Fintech Times, the conference’s second edition is now confirmed to be the world’s best-attended global technology event.
The conference was closely aligned with defining the Saudi Vision 2030; an economic diversification framework set to transform Kingdom’s service sectors and manoeuvre its dependence away from oil.
The Kingdom displayed all of its top innovations at LEAP23 to demonstrate its progress towards the Saudi Vision 2030. Given the numbers and headlines from the recent event in the Saudi capital, it is clear that the Kingdom is well on track to reach its goal.
UPI Concentration Risk
The Hindu Business Line
January 30, 2023
My views on UPI concentration risk in The Hindu businessline today!
When the government introduced Unified Payment Interface (UPI) in 2016, nobody, even in their wildest dream, imagined the kind of success it would achieve in a short period. It has changed the face of payments in the country and has become the epitome of digital payments worldwide.
UPI has influenced Fednow, an instant payments system in US and P27, real-time and cross-border payments in the Nordics. While the real-time payment transfer system was an instant hit, it created an entirely different challenge of market concentration for the government in India – the interface is dominated by PhonePe and Google's GPay. PhonePe has nearly 50% market share with recent funding and valuation as one of the largest fintech in the country, followed by Google Pay with over 34% & Paytm has a 10% share, and these transactions' value could reach INR 10 trillion by 2026
Reserve Bank of India (RBI) is now contemplating a solution to end the duopoly in payment through capping, it initially planned to kick in this year, but now it is delayed. However, it will take a few more years with a strategic plan to support new entrants for their growth, ultimately introducing a cap on market share to avoid market concentration. Ongoing development and new initiatives around UPI make it imperative to deal with concentration risk as the highest priority.
Link is in comment:
#fintech #payments #bank #marketconcentration #concentrationrisk #upi
Hamsini Amritha Reserve Bank of India (RBI) National Payments Corporation Of India (NPCI)
Fintech Disruption Guide 2021
NetGuru
March 03, 2021
Over the years, we have been working closely with companies like Solarisbank, Moonfare, Paysafe, and many big European banks, and building an engaged community of experts, thought leaders, and great minds. Across the Disruption series of events and publications, they generously share their knowledge and experience on critical aspects of the industry to help others succeed. And Disruption Guide Fintech 2021 builds on that foundation.
Whether you’re a fintech startup looking for funding, a venture capitalist hunting down your next big opportunity, or an established player building on your success, this guide is designed to help you get ahead.
We've gathered insights and opinions from industry leaders to guide you through all aspects of the market. Get up to speed on everything from the fastest-growing startups and fintech unicorns to watch in 2021 to the technology and innovation trends shaping the industry.
In this guide, you’ll find expert insights, major trends, and essential data covering the fintech industry neatly divided into five categories: Money, Network, Insights, Technology, and Environment.
Innovating in a Crisis
Financial Times
September 28, 2020
The Covid-19 pandemic has forced
a rapid transformation of the UK
banking sector.
The crisis has affected almost every aspect
of operations, from employee productivity to
customer services. Banks have also been forced
to move fast to support large-scale government
lending schemes, and ensure they are adequately
prepared for a potentially lengthy recession.
However, amid the turmoil, some positives
have emerged. Banks have shown they can
surmount greater obstacles, act faster and be
more innovative than was widely perceived prior
to the pandemic. Many of the positive changes
made in 2020 seem likely to become permanent
improvements for employees and customers alike.
These were among the findings from a survey we
conducted to better understand how UK banks
were affected during the first half of 2020.
Digital Transformation Post COVID-19 and the Role of Resilient Leader
Spotify
March 04, 2020
You are listening to QA talks, a podcast for quality assurance executives implementing digital transformation in their organizations. In this show, we focus on the unique pitfalls inherent in quality assurance and quality engineering and how these executives are navigating them to position their organization for the future. Let’s get into the show.
Tags: Digital Transformation, Emerging Technology, Leadership
3 Miscellaneouss
Its time from Primary to Secondary (PSD2 to PSD3)
Linkedin
July 01, 2022
Its time from Primary to Secondary (PSD2 to PSD3)
Objectives of PSD2 have started to materialize. E.g. the security requirements, in particular Strong Customer Authentication (SCA), are having the desired effect of reducing fraud, thus contributing to the objectives of PSD2: improving the security of payment transactions and payments data and enhancing consumer protection. Yet, many issues should be addressed, and it recommends that the EU Commission revises the PSD2. Some of the potential reforms for PSD3.
Merging the PSD2 and the Electronic Money Directive;
Clarifying the application of strong customer authentication (SCA) and the transactions in scope;
Addressing new security risks for customers, such as social engineering fraud, where customers are tricked into initiating a payment transaction;
Addressing concerns about authentication approaches (e.g. based on smartphones) that have led to the exclusion of certain groups of society from using payment services online.
Addressing underlying issues and obstacles to the provision of payment initiation services (PIS) and account information services (AIS), including the proposals for:
- AIS providers apply their SCA with their customers instead of relying on the authentication procedures by banks.
- Empower customers to remain in control of their data.
- Support the development of high-quality interfaces across the EU.
Moving from 'Open banking' to 'Open finance' (or otherwise the expansion from access to payment accounts data towards access to other types of financial data) and the opportunities and potential challenges associated with it, based on the PSD2 experience.
Addressing the enforcement shortcomings concerning the implementation and application of SCA for e-commerce card-based transactions and removing obstacles to the provision of AIS and PIS.
Addressing unwarranted de-risking practices by banks affecting payment and e-money institutions.
Adjusting the prudential requirements, particularly concerning initial capital, own funds, professional indemnity insurance, the proposal for recovery and wind-down for significant payment institutions and possible consolidation group supervision.
Common API standard across the EU is on the cards; however, it will bring additional compliance costs, but the benefits outweigh them; standard API will reduce barriers for innovators.
Conference Chair - RegTech Africa
https://www.zawya.com/en/press-release/events-and-conferences/regtech-africa-conference-to-bolster-africas-role-in-the-global-economy-in-partnership-w
May 06, 2022
Harvard Business Review - Advisor
https://hbr.org/
December 02, 2019
A member of the Harvard Business Review Advisory Council, an opt-in research community of business professionals. As an Advisor, will provide insight to shape the content HBR develops and enrich the understanding on ideas from HBR and the wider world of management and leadership.
Fintech Week London - How can technology answer the remaining questions in fintech
Fintech Week London
July 12, 2022
Leaders in the fintech industry joined us to discuss how technology can answer the remaining questions in fintech. They explored key technologies shaping the sector that could also have an impact on society as a whole. Join our panel moderated by Andrew Vorster (Innovation Catalyst) featuring Jacky Uys (Mambu), Chris Skinner (The Finanser and author), Genevieve Leveille (CEO & Founder of AgriLedger) and Ritesh Jain (Fintech Founder & Advisor)
To learn more about Erlang Solutions and how we can help fintechs scale and never fail visit www.erlang-solutions.com
Fintech Startups: Opportunities and Risks
University of East London
January 24, 2023
I recently sat down for a podcast with Dr Iwa Salami, Director at UEL Centre of FinTech.
What should founders be aware of as they explore opportunities in the FinTech space?
00:00:40 - 00:02:00 - Introduction to UEL Fintech Centre
00:06:20 - 00:09:30 - Journey into Fintech Space
00:10:15 - 00:16:30 - Why did the FinTech industry attract so much interest, investment and growth in the last 10 -15 years (including the period of the 2008 - 2011 financial crisis )?
00:17:30 - 00:23:00 - Is this still the case now, and what are the opportunities for startups, particularly in the current global economic downturn | Fintech Investments, Fintech Winter
00:23:30 - 00:27:00 - What are the risks? Have these resulted in a decline/retreat among potential FinTech startups?
Covering - Regulatory & Compliances, Competition, People/Talent
00:28:00 - 00:38:00 - Are the risks different in Fintech as a segment?
Covering - Top-level risks, Business, Customer, Compliances and detailing out to specific segments
00:35:00 - You need to understand payments if you are getting into Fintechs
00:38:50 - 00:43:00 - UNSDG goals, Fintechs and synergies
00:43:30 - 00:47:40 - How do you see financial services in the metaverse?
RJ - Get to the foundational challenges first!
00:49:00 - 00:50:30 - Technology addressing financial inclusion, which traditional finance hasn’t resolved.
RJ - Financial Inclusion is not a financial services issue alone, and It’s a public policy challenge!
00:51:00 - 00:53:15 - Crypto Assets, Digital Stack, Indian Digital Stack, Financial Inclusion in India, Payments Infrastructure in India, Digital Public Infrastructure and Goods.
Digital Payments Masterclass
CFTE
December 01, 2021
Build a foundational understanding of payments to level-up your fintech skills and become a digital payments expert
Discover the biggest trends and innovations in payment technologies today to stay ahead of the curve
Understand the reasons behind the growth in the payments industry to get a clear view of the global payments ecosystem
Get a 360-degree overview of payment methods used today to better understand real-world applications
Learn from an exclusive industry leader so that you have an insider view of the payments industry
Ritesh Jain
Co-founder, Infynit | Former CTO, HSBC
Ritesh is a Thought Leader, IT executive & Board Advisor with two decades of global experience in Digital Technology, Business Transformation, and Operations with fortune 500 companies like HSBC, VISA, Maersk to name a few. Ritesh is an expert in Payments, Banking & Financial Services, Regulatory – KYC/AML, Open Banking/ PSD2, high transaction platform and services, reduction in operational cost and optimisation.
Fintech, Payments, entrepreneurship
Masters Union
April 13, 2023
Masters Union -
Future Focused leadership
As we continue to navigate the ever-changing landscape of technology and innovation, the role of leadership is constantly evolving. Future leaders must be forward-thinking and adaptable, with a deep understanding of technology and trends.
Future-focused leadership is more than staying on top of the latest trends and technological advancements. It requires a willingness to embrace change, take calculated risks, and constantly push the boundaries of what is possible.
One of the critical shifts we can expect to see in future leadership roles is a focus on collaboration and cross-functional teamwork. We expect to see a greater emphasis on emotional intelligence and soft skills in future leadership roles. Leaders must be skilled at fostering a positive and supportive workplace culture.
By investing in upskilling and reskilling, leaders can build the skills and knowledge they need to adapt to changing technology and drive innovation in their organizations. This benefits the leaders and helps create a culture of continuous learning and development within the company.
Learn about Future - Focused Leadership and the role of upskilling and reskilling at Masters' Union
Setting the Pace of Instant Payments Beyond Borders in Europe
Kinfos Events
March 30, 2023
Don’t Miss Out! Watch First of our ‘Open For All’ Webinar series of Instant Payments Summit. Hear from 6 leading Instant Payments experts in an interactive 60 mins panel on “Setting the Pace of Instant Payments Beyond Borders in Europe”.
with Gian Mahil Luca Vanini Francis De Roeck Imran Ali Leo Wagner
Cutting mobile banking fraud with dynamic authentication and app security
Finextra, OneSpan
July 07, 2021
Aside from the pressure of rapid adaptation and process transformation that financial services firms have managed over the last year, the increase in sophistication and volume of fraud attacks has risen in equal measure.
Fraudsters have raised their own bar, utilising the best in technology and strategy to automate some of their processes, resulting in continual and targeted attacking of the mobile channel, in response to the global digital shift. The scale of attack is becoming larger as well, as the technology becomes cheaper.
The good news is banks can respond with equally if not more sophisticated measures, and are doing so. Strong authentication and risk monitoring are key, and what’s more, consumers are becoming wise to this and actively inviting it.
So it lies with banks to step up and compete in this race, because a race it is and will continue to be- fraudsters will always follow the money and evolve with the latest tools and technology.
Making Machine Learning for Fraud Detection work harder, and smarter
Finextra , ACI Worldwide
July 07, 2020
Digital payments offer better, faster experiences for customers – but there’s no avoiding the increased levels of associated risk for FIs.
When payments happen in real-time, the window for fraud detection is reduced to milliseconds while the likelihood of recovering fraudulent payments is far lower. Essentially, as payments get faster so too does fraud – and when it’s gone, it’s gone.
Join Finextra and fraud experts from ACI Worldwide for an in-depth look at increasing fraud detection through democratising machine learning and leveraging the power of shared intelligence.
In this webinar, the panel discusses:
The benefits of empowering non-specialists to build, test and deploy machine learning models for fraud detection – and the solutions that make this possible.
How shared intelligence increases the scope of data these models can access – and therefore increase their effectiveness – while enabling unprecedented collaboration.
How financial institutions can differentiate through smarter payments risk management strategies that improve the customer experience.
Digital Public Infrastructure - A new paradigm for public policy
Centre for Innovation in Public Policy
June 23, 2022
Centre for Innovation in Public Policy is delighted to host a talk by Sanjay Anandaram Ambassador - iSpirit and Co-Founder - NICEorg. He will speak on “Digital Public Infrastructure: a new paradigm for public policy.” He will also talk about culture entrepreneurship and the role of NICE in promoting it. Please share this invite with friends and colleagues interested in the subject
Shufti Pro Exploring Digital Customer onboarding with Ritesh Jain
Shuftipro
May 03, 2021
Welcome to the IDV Show, a show which is designed to provide you with the fresh
insights from market leaders to expand your business growth.
In this episode of the IDV Show, Co-Founder of Infynit Ritesh Jain joined us to share his perspective on digital onboarding and KYC.
Ritesh Jain is a pioneering tech enthusiast, IT executive & Board Advisor, with an entrepreneurial spirit, seasoned with 19 years of global experience in Digital Technology, Business Transformation and Operations.
In this episode, we talked about current trends in KYC/AML compliance processes. We explored the importance of optimized customer onboarding processes and how it can be achieved with digital identity verification. And, among other things, we speculate on how advancements like biometrics and Artificial Intelligence can be successfully used within the Know Your Customer landscape.
Connect with Shufti Pro LinkedIn, Youtube, Facebook, Website
For any topic suggestions or guest, invitations drop an email at marketing@shuftipro.com
Connect with the host Giulia Baiutti on LinkedIn
Connect with Ritesh Jain Linkedin
Check out Shufti Pro:
www.shuftipro.com/
Tags: Digital Disruption, Emerging Technology, Leadership
4 Whitepapers
Digital Branchless Banking: A Revolution Awaits
Center for Innovation in Public Policy
September 01, 2021
The absence of innovation in India’s banking system is being blamed as one
of the causal factors holding up credit and, hence, slowing down the Indian
economy’s growth in recent years. Yet, away from the all-pervading
negativity, the new digital banking licenses will not only change the way
customers interact with banks but points towards a revolution that will
redefine India’s next-generation banking. For sure, most banks have started
offering some or all of their services to the customers digitally—the great
big leap that awaits is branchless banking.
By its very nature, digital banking does not require branches as the
customer is acquired and serviced online. This fundamentally changes the
incumbent business model of Indian banks. India’s banking regulations
have bank branches as their implementation focus; especially, targets
relating to priority sector lending and urban-rural branch ratio are all
branch based. Hence the natural inertia in dismantling the regulations to
allow branchless banking or digital banks to come. Ushering in digital
banks also poses a direct threat to the core of incumbent banks where the
largest cost is the branch and its employees.
Tags: Digital Disruption, Digital Transformation, FinTech
The Future is Open
Arena International
June 01, 2021
The transition to open banking is a transition from the traditional, vertically integrated model of exclusive providers to one that offers choice. The force behind open banking is the massive shift in customer behaviour, digitisation, market concentration and growing fintechs, competitive landscape. The global pandemic has further accelerated this evolution by forcing entire segments of commerce and financial services to move online overnight.
Open Banking is a paradigm shift with two central pillars: data and a relatively old technology that has become mainstream: APIs.
However, the whole game of innovation evolves & revolves around the data. Fintechs/ challengers using the data in creative ways to build innovative products and services, whereas the challenge for incumbent banks lies in re-inventing themselves by transitioning to new business models by becoming a platform, distributor or producer.
New entrants bring innovation into the banking and payments ecosystem to enhance customer value proposition, pushing beyond financial value into social & ethical Finance and hope for financial inclusion.
Disruptors enrich revenue-generating business models, marketplaces, platforms, building partnerships based on data sharing and Open API's, fuelling collaboration, bringing economies of scale and beneficiary to overall ecosystem stakeholders. And this drive, diversity, and openness of open banking should be judged by the level of an unbiased open-minded approach towards fintech & tech players.
Fintech the future of financial services.
Corporate Investment Times.
February 25, 2021
“Pandemic – an unplanned social experiment will have a long-lasting impact on the financial services and how customers will perceive value in future.”
There has been an unprecedented jump from traditional service offerings to digital services due to the Coronavirus pandemic. Traditional banking services have already become out-dated before the pandemic hit. In the aftermath, digital services, contactless payments, virtual banking and cross-border transactions are quickly becoming the new normal.
The Future of Digital Banks
The Global Banking and Finance
February 03, 2020
By Ritesh Jain, COO|CTO, Former Global Head of Delivery – Digital Tech Foundation, HSBC.
Digital transformation is what the global industry of all sectors are heading towards. The banking sector is nowhere behind in this race of transformation. It is time to bring a substantial change or get lost in the digital waves. In the coming decades, we will witness a much rapid change in the bank and customer alliance, and the coalition of different sectors with financial sectors and FinTech collaborations.
What are your predictions for Digital Transformation in 2024?
Date : November 08, 2023
As a seasoned leader in digital innovation across banking, payments, retail, and various sectors, with over two decades of global experience steering digital functions and spearheading innovations, I foresee several pivotal trends shaping the landscape of digital transformation in 2024:
Hyper-Personalisation in Services: Leveraging AI and machine learning, organisations will push the envelope on personalisation, crafting user experiences that are not only tailored to individual preferences but are also predictive and adaptive in real time.
Decentralised Finance (DeFi) Growth: The financial sector will likely witness a surge in DeFi applications, providing more autonomous and open-source alternatives to every financial service we use today, from banking to insurance and beyond.
Omni-Connected Experience in Retail: The retail sector will continue to blur the lines between online and offline experiences, offering a seamless omnichannel customer journey through the use of IoT and advanced analytics.
Sustainable Digital Ecosystems: Amid growing environmental concerns, digital transformation will increasingly include a sustainability component, optimising operations to reduce carbon footprints and promoting green technology.
Advancements in Quantum Computing: With quantum computing reaching more practical levels of application, we may see significant breakthroughs that could revolutionise data processing and encryption.
Expansion of 5G and Edge Computing: These technologies will likely become the backbone of digital operations, enabling faster processing at the edge of the network and supporting the explosion of IoT devices.
Mainstreaming of Blockchain: Beyond cryptocurrencies, blockchain technology will become more mainstream, finding utility in securing supply chains, validating digital identities, and ensuring data integrity.
Robotic Process Automation (RPA): RPA will move towards more sophisticated cognitive processes, automating complex decision-making tasks and becoming integral in day-to-day business operations.
Increased Focus on Cybersecurity: As digital infrastructures become more intricate, cybersecurity will become even more paramount, with AI-driven security measures becoming standard to preempt threats.
Human-AI Collaboration: There will be a stronger focus on enhancing the collaborative interactions between humans and AI, ensuring that AI tools augment human roles, leading to new job categories and opportunities.
Advisory Board Member for Fintech/ Financial Services/ Payments / Technology & IT services companies /Startup Accelerators / Private Equitty and Venture Capital
Location: United Kingdom, India Fees: 12000
Service Type: Service Offered
Board advisor for fintechs , financial services, IT service companies
Join Thinkers360 for free! Are you a Reader/Writer, Thought Leader/Influencer (looking to increase your earnings), or an Enterprise User (looking to work with experts)?
PhD in Payments Innovation, Open Banking, Open finance and Impact on Financial Inclusion
PhD in Payments Innovation, Open Banking and its impact on Financial Inclusion
Executive Education - Leading Successful Businesses
https://gbievents.com/blog/why-finance-will-join-the-cloud-in-the-next-decade
Board Advisor
Strategic Advisory Board & Founding Member - Centre of Fintech at University of London
Advisory Board Member - CEAI
Startup Incubation and Innovation Centre, IIT Kanpur, India
Mentor and Advisory Board
HPC AI Wallstreet
Who Owns AI’s Mistakes? The Accountability Dilemma!
Consumer Financial Protection (CFPB) at a Crossroads!
Fintech Predictions for 2025: Global Disruption with India Leading the Charge
NPCI Launches UPI for Secondary Market Trading from January 1, 2024; What It Means For Investors?
Beyond Disruption: Fostering Growth and Innovation Without Sacrificing Existing Businesses
Ajay Banga's Appointment as World Bank President: A New Dawn for Global Economic Leadership
Digital Transformation
Top 5 Fintech trends to look out for in 2020
Ways to optimise the compliance and regulatory processes for businesses
Why will the finance sector become a new aspect of cloud in the next decade?
Community Banks, Credit Unions, and Building Societies: Redefining the Future of Finance
World Business Angel Investment Forum
FinTech Women Walk the Talk: Moving the Needle for Workplace Gender Equality in Financial Services and Beyond
Applied Ethics in a Digital World
Building a Digital Future
How Open Banking, APIs & Banking-as-a-Service Are Transforming the Financial World
Digital Payments in Finance - Payments Strategies and Business Model Innovation
Who is Who in Fintech - Top 100 Fintech Leaders.
Building a Purpose - Driven Business
Y20 India 2023 - Model G20 Finance Track
Can UPI challenge the dominance of the USD?
Future of Fintech with Open Banking & Emerging Tech
Banking opportunities in the Web3 world
Early stage capital lifting context
Building Sustainable Economies with the Women at the Centre
Financial intelligence for entrepreneurs and intelligent investors
FINTECH MASTERCLASS
Hult Prize Event
AI in Financial Services and Fintechs
Payments Innovation & Trends - Singapore Fintech Festival
Do Digital Assets Call for Innovative Regulations
Chair - Digital Transformation in Banking
Fintech Ecosystems and their roles.
Fintech Future
AI in Payments - Conference Chair
Payments Solutions in Digital Banking
Future of Fintech - Hongkong
Future of Fintech
Responsible AI - Ensuring the customer is at the heart of innovation
Fintech and Financial Services
The Future of open Banking in 2023
Financial Well Being - People Behind Payments
https://thefintechtimes.com/a-look-back-at-leap23/
UPI Concentration Risk
Innovating in a Crisis
Digital Transformation Post COVID-19 and the Role of Resilient Leader
Its time from Primary to Secondary (PSD2 to PSD3)
Conference Chair - RegTech Africa
Harvard Business Review - Advisor
Fintech Week London - How can technology answer the remaining questions in fintech
The Impact of Regulation on Digital Assets
Battling the rising tide of global payments fraud
Fintech Startups: Opportunities and Risks
Digital Academy
Fintech, Payments, Open Banking Trends, Digital Public Infrastructure and Goods, Way Forward by Ritesh Jain
Power Hour Panel - AI in Payments
Digital Payments Masterclass
Fintech, Payments, entrepreneurship
Future Proof Fraud Risk, Fin Crime, and Cybersecurity in Banking and Financial Services
Cutting mobile banking fraud with dynamic authentication and app security
Making Machine Learning for Fraud Detection work harder, and smarter
How Banks in EMEA Can thrive amid economic uncertainty
Humanity and Technology: A Complex Relationship
Digital Public Infrastructure - A new paradigm for public policy
The Future is Open
Fintech the future of financial services.
The Future of Digital Banks
MIT Technology Review
