Santosh Radhakrishnan

Chief Commercial Officer at XYB by Monese

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Bio A successful entrepreneur, intrapreneur, active investor and business growth executive. With over 20 years of experience in the FinTech and information technology industry, Santosh helps banks, non-banks and banking ecosystem partners thrive, grow and execute through harnessing digital-led banking services and technologies. Career History As a global technology executive with strong management experience, Santosh works with businesses advising FinTechs to grow. scale and strategize, implementing core banking, finance and risk transformations, as well as end-to-end enterprise solutions for financial institutions across international markets.

Blogs

Banking Architecture

No 5. The Challenges of Core Banking Replacement

05 Feb 2024

As we highlighted in the Evolution of Banking, the technology landscape has evolved over time. Each change has brought new capabilities that were not possible with previous versions. At the same time, memory and storage capacity have become cheaper and much larger. To give an idea of how dramatic this change has been, consider that 1TB of storage ...

Banking

No 4. The Evolution Of Banking

30 Jan 2024

The previous blogs in this series taught us how banking distribution and core banking technology have evolved over the decades. Banks are criticised for lacking innovation and not being progressive with technology, but the exact opposite is true for some. We will later share more on banks' significant challenges when considering replacing their co...

Banking

No 3. The Evolution of Banking Distribution – From Apps to APIs

23 Jan 2024

Before the introduction of technology, banking had always been a face-to-face business. Yet even personal interactions have evolved from happening anywhere to meetings in coffee/tea shops and then having dedicated branches where banking happened in person with physical money. At this point, everything was recorded in paper ledgers till as late as ...

Banking

No 2. The Evolution of Core Banking Technology – From Mainframes to Beyond Cloud

17 Jan 2024

To understand why coreless banking is such a paradigm shift, we must travel back in time and track the evolution of banking channels, products and services. Let’s rewind 60 years to a world before core banking when the first computer was used to automate paper ledgers. In 1959, Barclays was the first bank to buy an electronic computer, an Emidec ...

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