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Shaju Nair

Payments - A new world in dawning

If you haven't yet stopped to notice that the payment industry is at the onset of a remarkable change - then this is just about time. If the hundreds of on-going experimental projects in various centr...

18 Jan 2024
Innovation in Financial Services
Shaju Nair

Fault lines in the Modern Financial System

It brings me grief when I hear people refer to CBDC as being just another form of digital money or just another mobile application for making payments when in reality there is a world of difference wi...

15 Jan 2023
Innovation in Financial Services
Shaju Nair

An ocean of Money, a sea of Debt - and the CBDC lifeboat

The world today is awash with money. The global broad money supply is reaching $ 90 Trillion, the United States alone contributing about $ 30 Trillion. Roughly 30% of US money supply was added in th...

24 Jan 2022
Trends in Financial Services
Shaju Nair

CBDC - the waking giant

Just about a decade ago, banks worried about fintechs taking away 'some' of their businesses. Some years ago, banks worried about cryptocurrencies taking away 'more' of their businesses. Today banks n...

13 Jun 2021
Innovation in Financial Services
Shaju Nair

Ease of making payments vs speed of making payments

I was 30 miles away from Bangalore City, in a quite village, ordering for red-bricks from a nearby brick factory over phone. I was extremely pleased to hear the manger say that he will accept account ...

24 Sep 2017
Online Banking
Shaju Nair

An 'instant-in-essence' electronic debit instrument

The ‘faster is better’ fad will never fade. When in the late nineties faster films of ISO 200 and above came about abundantly in the photography market, consumers simply stopped buying slower films wi...

16 Apr 2017
Innovation in Financial Services

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