Ramanathan RVUPI and the potential comeback of Digital WalletsI am going to excuse myself from talking about the incredibly high UPI transaction numbers. But let me reinforce the reality which is —…6 min read·Jun 11, 2023--1--1
Ramanathan RVThe problem with Secured Credit CardsSecured credit cards are interesting offerings that have cropped up in large numbers recently. These cards are targeted at people who…4 min read·Aug 10, 2022--1--1
Ramanathan RVLoans vs Credit Line Cards vs Credit CardsFintech companies that wish to venture into lending have a few choices in front of them:5 min read·Mar 27, 2022--1--1
Ramanathan RVThe economics of card led BNPLThe 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…5 min read·Sep 13, 2021----
Ramanathan RVDecoding the profitability of UPI based BNPLCredit based payment instruments such as credit card, BNPL can be useful in exactly one of the two ways. (1) convenience of a tab (2)…8 min read·Jun 20, 2021--2--2
Ramanathan RVinIndia Digital PaymentsDigital Payments is inevitable.It is not a question of if but when.5 min read·Aug 30, 2020----
Ramanathan RVThe Art of Dealing with Failures in OrganisationsIn the year 1958, Mao Zedong launched the campaign Great Leap Forward. The central aim of the campaign was to finance industrialization by…4 min read·Jan 30, 2020--1--1
Ramanathan RVRBI 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…7 min read·Sep 2, 2019----
Ramanathan RVinD91 LabsZero MDR: Impact on small businessesAhmedabad is an interesting city for many reasons. But on that day, I was destined to be at the prestigious Indian Institute of…9 min read·Jul 15, 2019----
Ramanathan RVinD91 LabsUPI vs Netbanking: Game of the throneIt was year 2008. I was working for BankBazaar.com then. We were ruffling through the Alexa pages to find the top sites of the country…8 min read·Jun 7, 2019--1--1