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Ramanathan RV
Ramanathan RV

337 Followers

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Aug 10, 2022

The problem with Secured Credit Cards

Secured credit cards are interesting offerings that have cropped up in large numbers recently. These cards are targeted at people who either don’t have much of a presence in the credit bureaus or have defaulted previously. …

Credit Cards

4 min read

The problem with Secured Credit Cards
The problem with Secured Credit Cards
Credit Cards

4 min read


Mar 27, 2022

Loans vs Credit Line Cards vs Credit Cards

Fintech companies that wish to venture into lending have a few choices in front of them: (a) Offer personal loans (b) Offer credit line cards (c) Offer credit cards When loans aren’t sufficient Loans by their very nature are merely transactional. The user avails of such a loan only a few times a year…

Fintech

5 min read

Fintech

5 min read


Sep 13, 2021

The economics of card led BNPL

The previous blog post decoded the economics of UPI led BNPL. If you haven’t already read that, please do so now, as it provides the necessary context for this post. However, UPI is not the only form factor to offer BNPL. If anything, NPCI has taken a view that UPI…

Bnpl

5 min read

The economics of card led BNPL
The economics of card led BNPL
Bnpl

5 min read


Jun 20, 2021

Decoding the profitability of UPI based BNPL

Credit based payment instruments such as credit card, BNPL can be useful in exactly one of the two ways. (1) convenience of a tab (2) borrowing money to fund the transaction. …

Bnpl

8 min read

Decoding the profitability of UPI based BNPL
Decoding the profitability of UPI based BNPL
Bnpl

8 min read


Published in India Digital Payments

·Aug 30, 2020

Digital Payments is inevitable.

It is not a question of if but when. In this series, I will explore the various causes that will inevitably push India towards the world of digital payments. Digital Payment methods for Consumers Broadly speaking, there are two different channels: online and offline. In the online world, the payments are digital by default. Barring…

Digital Payment

5 min read

Digital Payments is inevitable.
Digital Payments is inevitable.
Digital Payment

5 min read


Jan 30, 2020

The Art of Dealing with Failures in Organisations

In the year 1958, Mao Zedong launched the campaign Great Leap Forward. The central aim of the campaign was to finance industrialization by introducing radical & controversial changes to agriculture. Collective farming was at the core of this ideology. …

Organisational Failures

4 min read

The Art of Dealing with Failures in Organisations
The Art of Dealing with Failures in Organisations
Organisational Failures

4 min read


Sep 2, 2019

RBI stance on Recurring Payments: Boon or Bane?

Regulations can make or break companies and sometimes even industries. Take the example of auto sector in our country which is in a lot of distress due to evolving policies. In the payments industry, a regulation from RBI has the power to change the dynamics overnight. …

Payments

7 min read

RBI stance on Recurring Payments: Boon or Bane?
RBI stance on Recurring Payments: Boon or Bane?
Payments

7 min read


Published in D91 Labs

·Jul 15, 2019

Zero MDR: Impact on small businesses

Ahmedabad is an interesting city for many reasons. But on that day, I was destined to be at the prestigious Indian Institute of Management for interaction with the students perhaps for encouraging them to take up entrepreneurship. The hall was named after the founders of TaxiForSure (acquired by Ola) “Raghunandan…

Payments

9 min read

Zero MDR: Impact on small businesses
Zero MDR: Impact on small businesses
Payments

9 min read


Published in D91 Labs

·Jun 7, 2019

UPI vs Netbanking: Game of the throne 👑

It was the year 2008. I was working for BankBazaar.com then. We were ruffling through the Alexa pages to find the top sites of the country. For the uninitiated, this is how we used to figure out the internet traffic trend in the country: find it here. The websites of…

Payments

8 min read

UPI vs Netbanking: Game of the throne
UPI vs Netbanking: Game of the throne
Payments

8 min read


May 20, 2019

RBI’s Vision 2021 for Digital Payments

RBI has published Vision 2021 for Digital Payments in India. This is available here to view / download. Please note that the views expressed here are my personal views. Outlining the Vision for 2021 Empower every Indian with access to a bouquet of e-payment options that is safe, secure, convenient, quick and affordable. Vision 2021…

Payments

10 min read

RBI’s Vision 2021 for Digital Payments
RBI’s Vision 2021 for Digital Payments
Payments

10 min read

Ramanathan RV

Ramanathan RV

337 Followers

2x Founder - Hyperface.co, Juspay.in

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