Helping you make sense of going Cashless | Best-selling author of "Cashless" and "Innovation Lab Excellence" | Consultant | Speaker | Top media source on China's CBDC, the digital yuan | China AI and tech

As a best-selling author and consultant, I combine my passion for fintech, AI, and innovation with my extensive experience in the banking industry and the Asian market. I wrote two No. 1 international bestsellers, "Cashless: China's Digital Currency Revolution" and "Innovation Lab Excellence," that provide insights, strategies, and practical solutions for the digital transformation of the financial sector. I have also been a top media source and speaker on China's digital yuan and mobile payments, sharing my firsthand knowledge and analysis of the world's most advanced cashless society.

With over 25 years of experience in risk management, structured credit, and debt financing, I deeply understand fintech and AI's challenges and opportunities for the banking industry. I have worked with start-ups and established insurance and asset management players, helping them navigate the uncharted waters of the latest cognitive, AI, blockchain, and analytic technologies. I have also led and contributed to multiple innovation labs and projects across Asia, applying the latest IBM technologies to real-world problems our banking clients face. I am a tireless evangelist for using technology to democratize access to financial markets and to enhance customer experience and value.

Richard Turrin

Accenture sees six trends that are rewriting banking’s future and contributing to “unconstrained banking,” where digital assets, new business models, and accelerated decision-making enable banks to do more than ever if they’re fast enough.

I give tremendous credit to Accenture for the best banking trends report I’ve seen so far this year!

Accenture backs up every trend with statistics that are designed to make even the most conservative banker sit bolt upright in panic.

Whether banks can move fast enough is the question, and Accenture’s advice on “what to do” is, on occasion, insipid and doesn’t do justice to the magnitude of the effort required. 

My take is that banks are in trouble. 

Banks are universally recognized as poor technology adopters, and virtually every one of these six requires banks to “move fast and break things.” 

When is the last time you saw a bank do that? 

While a few of these trends might be plausible for a bank to manage, it’s hard to imagine all but a few of the most tech-adroit running meaningful programs in all six! 

That leaves us with only digital money, agentic AI, and legacy tech as the three that banks will absolutely be forced to deal with in 2026. 

These six read like a death sentence for slow banks. 

Can they pull it off before running out of time?

👉 The Top Six

1️⃣ Dumb money gets smarter 
Adopting stablecoins, CBDC, and tokenized deposits.

2️⃣ Banking everywhere it matters 
GenAI assistants.

3️⃣ Agentic AI shatters traditional capacity barriers
Digital human-agent teams

4️⃣ The high cost of low cost 
Upgrade legacy tech.

5️⃣ Risk: Seeing the big picture beyond the pixels  
Integrated risk management. (Yawn, I read this every other year.) 

6️⃣ The battle for the balance sheet intensifies 
The very real threat from fintech, stablecoin, and private credit.


♻️Repost to share this great bank trends report
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The Top 6 Tech Bank Trends – If They Don't Run Out of Time

🚨 2025 Top 10 — No. 1 🚨 Mastering AI Agents: A comprehensive guide for evaluating AI agents

Want to learn how to build AI agents that tell the truth? Read on to learn more about 2025's hottest topic from a great e-book! 

👉Why this report is No. 1, and matters in 2026:

↳ Learning about AI Agents is your No. 1 priority in 2026!
↳ This eBook is a solid read for beginners and more advanced practitioners.
↳ Save this post for future reference.  What is stopping you from diving in?
↳ I'm back from holiday and writing NEW content tomorrow!!

From the author: 

"This e-book aims to be your go-to guide for all things AI agents. If you’re a leader looking to guide your company to build successful agentic applications, this e-book can serve as a great guide to get you started. 

We also explore approaches to measuring how well your AI agents perform, as well as common pitfalls you may encounter when designing, measuring, and improving them.

We hope this book will be a great stepping stone in your journey to build trustworthy agentic systems."

👉The book is divided into five chapters:

🔹 Chapter 1 introduces AI agents, their optimal applications, and scenarios where they might be excessive. It covers various agent types and includes three real-world use cases
to illustrate their potential.

🔹 Chapter 2 details three frameworks—LangGraph, Autogen, and CrewAI—with evaluation criteria to help choose the best fit. It ends with case studies of companies using these
frameworks for specific AI tasks.

🔹 Chapter 3 explores the evaluation of an AI agent through a step-by-step example of a finance research agent.

🔹 Chapter 4 explores how to measure agent performance across systems, task completion, quality control, and tool interaction, supported by five detailed use cases.

🔹 Chapter 5 addresses why many AI agents fail and offers practical solutions for successful AI deployment.

♻️Repost to share this important read on AI Agents
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Mastering AI Agents eBook

🚨 2025 Top 10 — No. 2 🚨  The Future of Mobile Banking: The Top 18 Trends for 2025

This is a page-turner and fun read that will help show you the killer features your mobile banking app should have now. 

👉Why this report is No. 2, and matters in 2026:

↳ The real examples in this report are a great way for banks to focus on what is possible in 2026!
↳ Banks need more than excuses when confronted with features that are real and available elsewhere. 
↳ What is stopping your bank from offering these cutting-edge features, and are any of them enough to make you switch? 

What makes this report such a page-turner is that it includes two real examples currently in production for each of the 18 trends. 

This report isn't about daydreaming about what we might have in the future, but rather demonstrates what we should have and can have if more banks cared about mobile users.

What bothers me most after reading this is that I'm paying several banks for their services, and the apps they force me to use are outdated junk! 

It isn't just me who feels that way, 69% of users think their bank app lags behind!

👉 Why mobile banking matters: 

🔹 3.8 billion users will rely on mobile banking in 2025.

🔹 62% of consumers use banking apps daily.

🔹 78% of users log on to banking apps at least once a week.

🔹 86% of users now prefer a single app to handle everything from managing loans and tracking expenses to booking travel and entertainment.

🔹 53% of consumers report that mobile banking increases their financial awareness. Younger generations, particularly Gen Z and Millennials, are leading adopters of features like credit monitoring, budgeting, and savings tools.

🔹 64% of consumers research a bank's tech offerings before committing to services.

Will reports like this make your bank act and update its app? 

♻️Repost to share this stunning report on what is possible in banking apps now! 
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The Future of Mobile Banking

🚨Top 2026 Trends, No. 3🚨: Tokenization will be big in 2026, JP Morgan recently launched its first tokenized money market fund (MMF), “MONY” on the public Ethereum blockchain in what is likely to be a model for others to follow. 

What makes this noteworthy is that JPM is the first of the largest systemically critical banks to issue tokenized funds, meaning more will follow. 

JPM follows asset managers BlackRock, Franklin Templeton, and Fidelity in issuing MMFs. 

MONY can be purchased only by institutional investors with USDC, and offers faster settlement times, around-the-clock trading, and real-time visibility into ownership.

↳ The trend is clear: the dollar has been tokenized through stablecoins, and assets will soon follow. 

↳Tokenization of “real world assets” (RWAs) has grown to $19 billion from $5 billion in a year, according to the more optimistic views of crypto proponent, RWA.xyz data.  

↳Estimates of the future potential of RWA tokenization range from McKinsey’s low of $2 trillion to “the sky is the limit.”  

What is clear is that this transition will not happen overnight, with the need to adapt tokenization to meet securities regulations being the most pressing issue.  

The Broadridge Tokenization Survey earlier this year showed how, among early tokenization adopters, 65% fear regulatory risk, and among future adopters rises to a lofty 78%. (below)

Tokenization also faces another problem in that it impacts the profits of investment banks, broker-dealers, and asset servicers. (below) 

No matter how good tokenization is from a technical perspective, expecting these institutions to welcome blowing up their existing business model is a stretch.

Still, the trend towards tokenization is inevitable, and while it might take longer than we want, it will become very real in 2026. 

♻️Repost to share this great read on tokenization!
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JPM Shows How Tokenization Is Going Mainstream in 2026

Quantum computers are coming — and within the next decade, they could break the public-key encryption (RSA, ECC) protecting bank transactions, crypto, and more.

Citigroup calls it a trillion-dollar threat — and they’re not exaggerating.

The real danger: “Q-Day” (when quantum breaks current crypto) and “Harvest Now, Decrypt Later” attacks — adversaries are already stealing encrypted data today for future decryption.

Long-shelf-life data is most at risk: SSNs, biometrics, medical records, IP, and blockchain-exposed crypto addresses (25% of Bitcoin, 65%+ of Ethereum vulnerable).

HNDL makes data leaked onto the dark web today, which may not make front-page news, damaging in the future. 

We’ve heard quantum warnings for years — but experts now flag the next 10 years as high-risk. 

The scale is so massive (economic, geopolitical, even ideological for crypto) that ignoring it is no longer an option.

NIST-approved post-quantum cryptography (PQC) is ready — but it demands huge industry migration.

Citi urges banks: inventory crypto exposure, prioritize critical systems, and start the long migration now.

The question: With AI already stressing institutions, will finance find the bandwidth for quantum readiness?

♻️Repost to share this great read on quantum
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The Trillion-Dollar Quantum Threat to Banks and Crypto 

Asian banks are making faster progress toward the use of agentic/multi-agent systems in operations than banks in the West, which are still focused on siloed pilots.

Leading Asian banks, the top 10% of AI users, are achieving 30-50% efficiency gains and 2-3x productivity uplifts through agentic AI, beating global peers. 

“Banks in Asia find themselves at an AI inflection point. They have a window of opportunity to pick up the pace of their transformations and to create distance from peers that may be slower to recognize and seize this moment.”

Asia’s banks are trying to widen the “AI-divide” with their competition to drive efficiency and increase revenue using AI. 

Why the focus on operations instead of sexy front-office use-cases?

↳ Approximately 75% of GenAI’s economic potential comes from just four functions, customer operations, marketing & sales, software engineering, and R&D. 

↳ End-to-end operations represent an estimated 60–70% of a bank’s overall cost base, making operational transformation through AI (especially agentic AI) the biggest potential value unlock in banking — far more disruptive than other functions

↳ McKinsey’s latest Global Banking Annual Review 2025 estimates that AI could bring gross reductions of 15 to 20% of a bank’s entire cost base

These gains will not be easily won due to regulatory complexity, legacy stacks, and institutional inertia that inhibit AI deployment. 

Another factor is that in parts of Asia, the cheaper cost of labor has historically prevented many banks from pursuing tech-enabled transformations of operations.

This is why Agentic AI, with its human-in-the-loop requirement, allows Asian banks’ larger teams, often deployed in repetitive, high-volume tasks, to be redeployed to higher-value work.

That said, Asia’s AI frontrunners, like DBS in Singapore with GenAI assistants, are pushing boundaries and showing the region’s banks significant improvements in frontline productivity, KYC/AML transformation, and end-to-end process redesign.

Asia’s banks are ripe for AI transformation, and their fast actions will likely make them models for the West to follow. 

♻️Repost to share how Asian banks are leading on AI!
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Asian Banks Lead Agentic AI Surge Compared to West

Deloitte sees five major trends in payments for 2026.  How many of the five do you think will make the cut?  

My take is that a few look strong, but always the skeptic, I can't see some of them going big in 2026.

The Five Trends:

1️⃣ Regulation meets innovation: Stablecoin enables seamless global payments

Stablecoins are still not fit for mass adoption. Banks need serious infrastructure changes for them to be used in wholesale or retail payments. And while some may argue that banks aren’t necessary for retail payments, the only way they will go mainstream is if banks are fully onboard. I agree that they'll be big in 2026 but not mainstream.  Note that I like how Deloitte acknowledges that on major transfer corridors, stablecoins offer little benefit.  

2️⃣ Mandates in motion: Speed is the new standard
  
Deloitte is correct, real-time payments are the future, but the US’s FedNow is late to the party and doesn’t deliver. FedNow payments are 100% bank controlled, unlike fast payment systems in Brazil, India, and China. It processed a mere $853B in 2025 compared to card’s $13T! I don’t expect FedNow to even dent cards in 2026. It would cost banks too much!  

3️⃣ Beyond compliance: Turning data standards into competitive advantage

ISO 20022 is great messaging tech and means that reports of SWIFT’s demise at the hands of stablecoins are way too premature. With global adoption, it will reduce the cost and time for cross-border payments at a time when stablecoins are vying to make their mark. It’s the tech behind FedNow, Singapore’s PayNow, and Australia’s NPP.   And it helps banks with AML/KYC.

4️⃣ Autonomous payments: Agentic AI is reshaping the role of humans in finance 

Yes, autonomous payments are coming, but I can’t square people outside of Silicon Valley using them with the US having one of the lower global scores in AI trust. Let’s face it, if Americans don’t trust AI, will they let it spend their money? I’m willing to be wrong on this, but tech is way ahead of citizens on this one.  Big in 2026?  I'm not buying it. 

5️⃣ AI vs. AI: AI-powered fraud meets real-time defenses

So ask yourself, who is more innovative, banks or criminals? This is why banks will always be a half-step behind the crooks. New tech will certainly help banks reduce losses and will bring the curve down, but this is a game without end, and banks will always be playing catch-up. 

👉Which Didn't Make the Cut?

By my standards, real-time payments with FedNow and autonomous payments don't yet make the cut!   

FedNow adoption is still low, and autonomous payments still have major trust hurdles to clear.  

So that's 2 out of 5 that I don't see going bigtime in 2026! 

Tell me why I'm wrong!

♻️Repost with your thoughts
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Five trends in payments: How many make the cut?

“Sovereign AI” has become a strategic imperative. Nations want to cut dependence on foreign tech, protect national interests, and stay competitive in the AI race.

But here’s the reality: AI is the new oil — no country can afford to ignore it. 

Yet full “build-it-yourself” sovereignty is a myth for most. The US and China already control ~65% of global AI investment.

Chips, LLMs, infrastructure — they come from somewhere. A rigid go-it-alone policy is unrealistic when the resources are concentrated in just two powers.

The WEF offers a smarter path: prioritize strategic control and resilience over total self-sufficiency. 

Quote from WEF:
“Success in the AI era will be determined not by isolation, but by strategic interdependence – balancing domestic investment in key AI infrastructure with international collaboration.”

↳ This pragmatic approach helps nations avoid being forced to pick sides between the US and China. 

↳ It wisely promotes interoperable systems to dodge vendor lock-in. Run Chinese models on US servers (or vice versa) if it makes sense. 

↳Use “digital embassies” for data sovereignty.

No country — not even the US or China — can own the entire AI value chain. 

The winners will control partnerships, focus on adoption, and stay ecosystem-agnostic.  

Nations like India, Singapore, and the UAE featured in the report have winning formulas. 

That’s how you capture AI’s economic value and close the gap between AI makers and AI takers.

What’s your take? Is full AI sovereignty realistic, or is smart interdependence the only viable path forward?

♻️Repost to share this great read on AI sovereignty
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Sovereign AI: Go It Alone Means Fall Behind

🚨Top 2026 Trends, No. 4:🚨 Strong AI Governance Will Become The Norm — But Only After a Meltdown Forces Companies to Act

AI Governance will become a hot-button issue in 2026 because a global brand will experience an AI meltdown, triggering bad headlines, an apology from the CEO, and public questions about governance.

No one should be surprised that AI governance will be a key trend for 2026 when it is on the evening news.  

The paradox is that IBM shows how governance is not a hindrance to AI deployment but an accelerant! 

IBM’s survey of 1,000 global senior business and technology leaders showed that:

↳executives credited more than a quarter (27%) of their efficiency gains to strong governance. 

↳companies that invest more in AI ethics report 34% higher profit from AI as well as faster launches and stronger security.

These results show that the common belief that AI governance impedes the development of AI or is a mere “check-the-box” compliance issue is simply false.

The problem, however, is that while IBM shows governance accelerates AI development, the majority of surveys show that companies are ill-prepared for managing AI:

↳ Less than 1% of Firms Build Responsible AI (Sept 2025)

↳ 72% of organizations using AI report that their CEO is not responsible for overseeing AI governance and that 83% of boards do NOT oversee AI governance. (March 2025)

↳ Only 23% of organizations surveyed said they were highly prepared for “GenAI Risk and Governance” (August 2025)

I expect 2026 to be the year when AI governance lands front and center in front of every major company.  

Sadly, it will take an epic meltdown and a global news event to do so. 

♻️Repost to share this important read on AI governance.
#Fintech, #AI, and Tech at the speed of Asia and China.

AI Governance Will Need a Meltdown to Be Taken Seriously

One in six people now uses AI daily, while 6.8 billion remain left behind in the widening global divide as global adoption of GenAI tools reached 16.3% of the world’s population, and the Global South falls further behind.

Microsoft’s latest report on AI diffusion confirms my call last week: the AI divide is the No. 1 trend for 2026. (see link below)

Microsoft’s “telemetry” shows that AI adoption in the Global North grew almost twice as fast as in the Global South, widening the gap from 9.8 to 10.6 percentage points. 

The AI gap is growing, and AI’s benefits are not expanding equally among nations, companies, and people.

↳ The world leaders are the UAE and Singapore, treat AI as a national priority with build-outs of digital infrastructure, regulatory assistance, and policies that integrate AI into daily life. 

↳ The US dropped from 23rd to 24th place, reflecting the fact that a smaller proportion of the US population uses AI compared to smaller nations.

↳ The US’s low adoption rate also tracks with AI trust; only 32% of Americans trust AI, compared to 67% in the UAE.

I’ve long argued that Chinese open-source models would bridge the gap for developing nations priced out of Silicon Valley subscriptions.

↳ Microsoft, agrees: “DeepSeek removed both financial and technical barriers that limit access to advanced AI.” 

↳ DeepSeek’s surge is most striking in Africa, where usage is estimated 2–4× higher than in other regions — reaching millions who otherwise would have zero access.

Simply put, if people cannot afford AI, they can’t use it! 

Whatever side of the geopolitical US-China divide you fall on, you have to give DeepSeek credit where it’s due: 

DeepSeek is delivering AI to the underserved.

Never forget that OpenAI was at its start designed to be open-source, and Sam Altman is clear that OpenAI is on the ‘wrong side of history.’ 

What do you think — will open-source AI narrow the divide, or will it widen further?


♻️Repost to share this great read on the AI-divide
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AI Divide: North-South Gap Widens – 6.8B Left Behind

Weekend Read:  300,000 voices across 20 countries show that people feel more stretched, less healthy, and less confident about the future than they did a few years ago.

This stunning report by Oliver Wyman is my best Weekend Read in ages, as it affects every one of us who feels stuck in a treadmill of "more striving, less thriving."

For fintech and AI lovers, go straight to Chapter 3, page 50 for the chapter on AI investing with some shocking revelations:

-In two years, the share of people using AI for investing has jumped by nearly a third, to 44%. 

-Those confident they can outperform advisers are nearly 50% likelier to use AI for investing and financial planning. 

-Even as AI use has climbed, interest in letting AI invest automatically has fallen from 41% to 32%. Most see the technology as a co-pilot, not an autopilot.

-65% of middle to high income earners say they "can get better returns on their own than with a financial adviser."

👉This report offers so much more than AI in investing. It covers the big trends that are making us feel worse, not better.  

It also shows how the forces below are all reinforcing one another and, frankly, making everyone miserable: 

↳ We value achieving, caring, and being healthy more — yet we feel worse. 

People report feeling 9% worse physically and mentally than a few years ago. The pattern is “more striving, less thriving.” 

↳We turn to community, each other, and AI when the health system falls short. 

Quality-of-life indicators are at record highs, but people report feeling worse mentally and physically than a few years ago. Yet the pursuit of stability resembles a perpetual sprint: Everyone is running harder just to stay where they are.

↳We want fulfillment at work, but we’re settling for less — and slowing organizations down. 

 Employees are delivering “just enough,” and quietly draining momentum.

↳We’ve stopped forgiving bad experiences as consumers. 

 “Very right” has become the baseline expectation: 64% will dump a brand after a single poor experience.

↳We dream of never needing a paycheck again. 

Financial independence is now the fastest-growing unmet need, rising to 41% from 32% in 2022. Pressure to “make money to feel successful” has nearly doubled (+80%). 

↳We are the last generation to work only with humans. 

Two-thirds of employees (67%) already interact with AI in “human-like” ways and 28% prefer an AI manager over a human one. 

↳We’re leading through constant disruption and a fractured workforce. 

 51% say leadership models are outdated, and the share citing “subpar leadership” as a top dissatisfaction has jumped nearly 60% since 2023. 

Kudos to principle author Ana Kreacic and team! 

♻️Repost to share this report that shows why we all feel the same stress!
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AI reshapes our world as more are striving not thriving

🚨Top 2026 Trends, No. 1🚨: AI Inequality and Why APAC Is the Ultimate AI Testing Ground 

While we accept that banks and companies will rise and fall based on their AI capabilities, do we accept that nations, too, will face a similar fate, rising and falling with access to AI, the new “oil” fueling growth? 

AI is the world’s next essential infrastructure, like power, roads, and schools, with big upsides and the ever-present risk of falling behind.  

That’s why it is No. 1 on the list for the Top Trends of 2026! 

Access to AI will be crucial, and APAC will be ground zero for AI implementation. 

Why APAC?  

APAC’s 200x gap between the richest and poorest nations will make it a key testing ground for AI.

AI will be abundant in rich nations, with a gap that can hopefully be closed by deliberate diffusion to poorer nations.  

Add to that reasonably good connectivity, high trust in AI, and a broad diversity from island nations to AI juggernauts like China, makes it a natural front in the battle against AI inequality. 

But here’s the wild card.

So far, the expectation from the West is that nations and peoples without AI access will simply sit it out and wait patiently as the “AI Race” passes them by.  

This is, at best, naive and, at worst, ignores the urgent needs of billions without access.

Developing nations, particularly those in APAC, with generally good connectivity, unlike those in Africa, will not sit it out on the sidelines.  

They won’t watch while AI helps to transform education, healthcare, and agricultural management for others.

They will reach out for AI wherever they find it, and this leads us inevitably to the geopolitical and philosophical battle between China and the US over open-source AI access.

China’s AI is generally open-source and available to all, while Silicon Valley’s subscription model, used to generate revenue for massive data center expansion, largely bypasses developing nations. 

Even Sam Altman believes OpenAI has been “on the wrong side of history” when it comes to open-sourcing its technologies. 

Putting people first by enabling women, men, and children in the most vulnerable or remote communities to be empowered by the best that human achievement has to offer through AI is unstoppable. 

How it plays out in APAC will be a key feature of 2026 that we should all watch carefully as the “Next Great Divergence” plays out.

♻️Repost to share this Top Trend for 2026!
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AI Inequality: APAC is the Ultimate Testing Ground

Weekend Read:  2026: The Year AI Transforms Jobs Forever – Supercharged, Displaced, Co-Piloted or Stalled?

The WEF looks at the biggest question facing society in 2026: the future of jobs as AI transforms and displaces them. 

The Four Potential Scenarios for jobs will be:

1️⃣ Supercharged Progress:
Exponential Al breakthroughs reshape industries, business models and workflows. Productivity soars and innovation flourishes. Widespread Al readiness allows people to harness the "agentic leap."  

2️⃣ The Age of Displacement: 
Exponential Al advancement outpaces the capacity of the workforce to adapt. Businesses race to automate as a stopgap, displacing workers faster than education and reskilling systems can respond.

3️⃣ Co-Pilot Economy: 
Gradual Al progress and availability of Al-ready skillsets shift the focus towards augmentation rather than mass automation. The Al hype of the 2020s has given way to pragmatic integration: most industries see incremental transformation as human-Al teams reshape value chains.

4️⃣ Stalled Progress: 
Steady Al progress meets a workforce lacking critical skills. Productivity growth is patchy, and businesses lean on automation to backfill scarce talent. Gains concentrate within businesses and geographies with Al expertise, while others face eroding competitiveness.

Read the “No-Regret” strategies to prepare for all of these potentialities on page 4!

Which of the four scenarios do you think will happen? 

My take?  The co-pilot economy mixed with stalling!  

I see the AI divide causing a big stall ahead. 

Am I too pessimistic?  

♻️Repost to share this great read on the future of jobs and AI!
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2026: The Year AI Transforms Jobs Forever — 4 Scenarios!

Deloitte's latest report reveals a massive shift: AI tokens are driving enterprise IT budgets up by 20%+, replacing predictable SaaS pricing with volatile, usage-based GenAI costs.

↳ AI is now the fastest-growing corporate tech expense — some firms report it consuming up to 50% of IT budgets.

↳ ROI is lagging badly: only 28% of finance leaders see clear value, and half expect 3+ years to break even.

↳ Token spend is unpredictable — scales with model complexity, prompt length, reasoning steps, and infrastructure costs (high-bandwidth memory, storage, electricity).

The only real cost control? Open-source AI models — free to use, self-hosted, with data sovereignty benefits.  

Running an "AI factory" with a mix of open-source and other models is the ultimate cost control for larger organizations.  

Linux Foundation: 89% of orgs already use open source in AI stacks; McKinsey: ~50%.

Watch as Silicon Valley’s trillion-dollar data center bet just got riskier if open source dominates.

Key takeaways for banking & fintech:

↳ Token usage explodes unpredictably — no more fixed seats
↳ Governance is lagging — shadow spend is real
↳ Budget shock incoming — controls are non-negotiable
↳ Winners act now: track tokens, optimize prompts, negotiate volumes, build budgets
↳ Open-source AI is essential for cost reduction

Token economics demand active financial discipline, just like cloud spend did 10 years ago, and a hard look at using open-source AI. 

Drop a comment — curious how you're navigating this shift.

♻️Repost to share this great read on AI tokens! 
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AI Tokens: The New Currency of Enterprise AI

The digital euro’s parliamentary approval is all but assured following Trump’s threat to EU sovereignty over Greenland, which reinforced the ECB’s consistent calls for the digital euro to bring “monetary sovereignty” to the EU.  

A few days ago, ECB Executive Board member Piero Cipollone stated the crux of the problem, pointing out that US companies like Visa, Mastercard, and PayPal own “critical parts” of the global financial infrastructure and “can theoretically pull the plug on us.”

Comments like Cipollone’s may sound alarmist at first glance, but real-world events show his concerns are far from unfounded.

Nicolas Guillou is a French judge at the ICC in The Hague, and is now under U.S. sanctions for authorizing arrest warrants against Prime Minister Netanyahu and former defence minister Gallant for war crimes in Gaza.

As a result of these sanctions, he can no longer use Visa, Mastercard, or Amex, maintain normal EU-based banking services, or use digital accounts or services with US companies.  

While Guillou’s case may be extreme, and readers may fall on different sides of his decision, it shows the need for EU monetary sovereignty in cases where the US and EU do not see eye to eye. 

Reports from late 2025 suggesting that the digital euro would face difficulty in the EU Parliament now seem like ancient history, and a vote is scheduled for May 5, with Germany announcing its backing of the project yesterday.

Bolstering the case for a digital euro are more than 60 economists who are imploring EU parliamentarians to back the digital euro, warning the Eurozone would “lose control of the most fundamental element in our economy: our money,” to US payment providers.  

The economists, including famed French academic Thomas Piketty, state: “A strong public digital euro is not a nice-to-have, it is an essential safeguard of European sovereignty, stability and resilience.” 

They are right, and after Trump’s Greenland threat and US sanctions, rejecting the digital euro would now be politically unthinkable. 

♻️Repost to share the love for the digital euro.
#Fintech, #AI, and Tech at the speed of Asia and China.

Digital Euro: Visa and MC Can "Pull the Plug" on the EU

Boldly declaring that “the future is onchain” Dfns and BCG turn back the clock to blockchain’s boom year of 2017, where ICOs ruled, and blockchain was the solution to every problem.  

Let me state from the beginning that blockchain is great tech and that it has an important future in banking, payments, and securities.  

Even the ever-so-staid New York Stock Exchange is tokenizing securities following the US dollar going on-chain with stablecoins.

So yes, institutional adoption of blockchain will be big in 2026, and it is very much a “transformational” technology. 

That said, it is a stretch to say that crypto, which the paper innocently refers to as “blockchain native” firms, will:  

1) Disrupt tradfi if they don’t transition to “on-chain banks” or,

2) Provide the tech to rebuild a bank’s tech stack.

Crypto firms still have a long way to go in the trust department before they replace incumbents.   

Similarly, their ability to rebuild a bank's admittedly ancient core systems is seriously in doubt. 

The paper suggests that blockchain tech is unto itself, sufficient for crypto firms to overcome the tremendous societal momentum banks have in their favor. 

This is wishful thinking, especially given crypto’s checkered history and lack of integration into people’s daily lives.  

Has anyone you know used BTC or stablecoins to buy groceries or a car recently?  

I don’t doubt that we will be using stablecoins sometime soon, and banks will adapt; they have no choice. 

But this notion that they must go on-chain or die off is out of 2017, when articles were actually written stating that blockchain may help cure cancer.  

Can I interest you in an ICO?

Banks Must Go On-Chain or Die: The 2017 Boom is Back

Weekend Read: Mambu's "Predictions Report" is a great read that is both easy to skim and thought-provoking as financial services are being "radically rewritten." 

What makes this report such a great read is the inclusion of quotes from industry practitioners in every chapter.  

If you read nothing else, go straight to page 15 for the excellent and rare coverage of Islamic finance.  

"By 2026, Islamic finance will no longer be seen as a niche alternative but as a blueprint for ethical, inclusive and technology-driven banking worldwide." 

Other noteworthy chapters:  Pg 18, "The Transformation in Banking" and Pg 32, "Gen Z, Gen Alpha, the Future of Finance." 

👉Seven topics will define the next chapter of financial services in 2026.

↳ Al and the financial revolution
Artificial intelligence has reached a new frontier of capability

↳Compliance, regulation, and cybersecurity
As innovation accelerates, trust has become one of the most valuable assets in financial services

↳Islamic finance
A principles-led model of finance is taking shape in the digital-first world

↳Transformation in banking
Banking is no longer defined by balance sheets and branches, but by the technology that connects them

↳Payment innovation and Embedded Finance
Payments are disappearing into the background of daily life

↳Crypto and blockchain
Blockchain has moved beyond experimentation to become part of modern finance's digital infrastructure

↳Gen Z, Gen Alpha, and the future of finance 
Every generation reshapes how people live, connect, and create value

What is Mambu missing, if anything?  

♻️Repost this great banking trends report, especially if you're among the 97.6% of LinkedIn users who don't post.  How can you go wrong with this one? 

#Fintech, #AI, and Tech at the speed of Asia and China.

Read How FinServ is Being "Radically Rewritten" 

The quantum threat is a trillion-dollar risk that could break every bank & crypto wallet in a decade as nationalism and insularity impact AI sovereignty and fintech's global aspirations.

If you’re reading this newsletter, I’m sure you are as “alert and attentive” as are the “syndics” of the “drapers guild” in Rembrandt’s famous painting below! 

This week's headline article is all about the quantum threat to finance and crypto. We’ve covered this topic before, but with advances in quantum computing, the threat is getting more real by the day.  

The good news is that standards for quantum-proofing systems exist, so banks and payment companies aren’t being asked to invent the technology, just apply it.  

Application, however, is still a monumental effort in that they need to audit their systems and manage a coordinated roll-out of new quantum-proof tech with other industry participants.

Add quantum to banks’ AI transformation, and it’s not an overstatement to say that they are seriously “burdened!” 

Which leads us to Accenture’s report on the top 6 tech trends for banks in 2026. I give tremendous credit to Accenture for one of the best reports of its kind.  

I just said that banks are “burdened,” and after reading this, you’ll see how heavy the burden on their shoulders is. I seriously doubt that most banks have the tech bandwidth to move fast enough on all of these efforts. 

Who could miss this week’s Davos Forum?  I have two reports that are straight out of Davos that focus on the impact of nationalism and insularity on Sovereign AI and fintech.

This is a real issue for neobanks Revolut, Nubank, and bunq (no capital B), all of which aspire to launch in the challenging US market.  

Deutsche Bank analysts declare that the AI honeymoon is over and that profits need to flow in 2026!  

This is a great read that confirms my constant warnings in this newsletter that while AI is transformational tech, it will take longer to implement than advertised. 

Finally, we look at Mambu’s top predictions for banking, look at the sections on Islamic Finance and Gen Z. 

♻️Repost to share these great reads on quantum and AI sovereignty.
#Fintech, #AI, and Tech at the speed of Asia and China.

Thanks for reading the “Cashless” newsletter, an insider’s view on Asia’s fintech, CBDC, and AI for anyone striving to understand “the Asia Century.” 

Open article: The Quantum Threat: Trillion-Dollar Risk That Could Break Every Bank & Crypto Wallet in a Decade by Richard Turrin • 5 min read

The Quantum Threat: Trillion-Dollar Risk That Could Break Every Bank & Crypto Wallet in a Decade

🚨Top 2026 Trends, No. 5:🚨 Digital Public Infrastructure Goes Global — Powered by Payments Success in India, Brazil, and China

Digital public infrastructure (DPI) is one of the most important trends in payments, with strong success in India and Brazil, making the rest of the world pay attention. 

DPI is a trend that cannot be ignored, and before readers say, it won’t happen in the West, I point to the digital euro, which is a model of DPI development. 

The digital euro proves that DPI is not solely the domain of developing countries but is every bit as relevant for advanced economies. 

Brazil’s UPI and India’s PIX together account for nearly two-thirds of global instant payment transactions and are models of how universal instant payments are an engine for economic growth.

China’s WeChat and Alipay also proved the economic value of universal instant payments, and while not strictly speaking DPI, the state-owned Union Pay network, initially used to carry their payments, is in spirit. 

As DPI, all of these payment systems are universally available and the cornerstone of financial inclusion, economic growth, and fintech innovation. 

Whether UPI, PIX, WeChat, or Alipay, all of these systems reduce onboarding time and provide instant, secure, and nearly cost-free payments, saving time and money for quite literally billions of users. 

DPI is a trend that won’t go away, and I expect more nations, particularly those in the global south, to take note and press forward with DPI payments. 

By the way of all of the top trends lists I've seen this year, I'm the only one covering DPI!   Check back in 2027!!

♻️Repost to share this important read on DPI
#Fintech, #AI, and Tech at the speed of Asia and China.

DPI is going global and not just for developing nations 

Deutsche Bank boldly says that the AI honeymoon is over in 2026, ending with disillusionment, dislocation, and distrust

According to the bank's tech analysts, this will be a tough year for AI, as it will have to prove its value to keep the money flowing. 

Deutsche's prognosis is not good, and the report’s opening line sets the tone for disillusionment in 2026:  

“Generative AI will be transformative, but not right now. As pilots move into production, enterprise users are confronting inherent limitations such as accuracy; the difficulty of applying it in unpredictable real life; and the fact that in many areas it will be a long time, if ever, before it is more economical than human labour.”

👉Three themes are converging:

1️⃣ Disillusionment: Beauty is in the eye of the AI beholder

↳ Rapid tech improvements (e.g., coding) are more visible in Silicon Valley than to CEOs demanding real revenue or operational impact.

↳ Most companies lack integration capacity, high-quality data, controls, employee buy-in, and client acceptance for meaningful use.

↳ Agentic AI rollouts are far more complex than providing chatbots or copilots — workflows don’t integrate easily.

↳ The “trough of disillusionment” is here: hype fades, ROI disappoints, and scaling proves harder than promised.

2️⃣ Dislocation: AI of the storm

↳ 2026 brings bottlenecks, grid constraints, and severe talent scarcity — AI’s supply chain is the most complex in history.

↳ Hyperscalers keep investing heavily, and outside the US, sovereign AI pushes demand in the Middle East, Europe, and beyond.

↳ Investors will soon demand returns — 2026 could be make-or-break for standalone AI model makers.

↳ OpenAI faces extreme cash burn ($9B last year, ~$17B this year) with only a fraction of 800M weekly users paying — marginal costs keep rising.

3️⃣ Distrust: AI can’t get no satisfaction

↳ Anxiety escalates into lawsuits over copyright, privacy, data-centre impacts, and chatbot risks to young people.

↳ Scare stories and misuse examples will dominate headlines, amplifying public fears.

↳ Job displacement concerns intensify — credible studies show early evidence (e.g., 16% relative employment drop for recent graduates in AI-impacted roles).

↳ Fears of a US-China AI race grow, with China leading in cheap, open-source models (e.g., DeepSeek) that appeal to cost-sensitive, non-aligned countries.

Is it really that bad, or are these analysts looking at a glass as half empty rather than half full? 

♻️Repost to share AI's big challenge in 2026
#Fintech, #AI, and Tech at the speed of Asia and China.

AI in 2026: Disillusionment, Dislocation, Distrust 

I’m Anurag Pratap Singh, Director of Finance  at Payomatix, where I lead financial strategy, capital investments, and long-term planning to scale our global fintech operations. With over 21 years of experience, I drive rigorous financial analysis to support high-value contract negotiations, pricing initiatives, and business transformation.

What I do best

Develop and manage comprehensive annual forecasts and budgets, ensuring alignment with strategic goals and financial discipline.

Analyze budget variances and surface key drivers to help executive leadership make informed decisions.

Produce timely, accurate financial statements for internal teams, external lenders, and regulatory bodies.

Coordinate the preparation of annual reports for creditors, auditors, and board members, ensuring strong governance and transparency.

My impact

I translate complex financial data into actionable insights, helping CEOs, board members, and investors understand not just the numbers, but the business story behind them. For me, finance is more than bookkeeping — it’s a strategic compass.

Entrepreneurial Leadership

Beyond finance, I am a passionate entrepreneur. Over the years, I’ve contributed to the growth of multiple technology ventures — from investing and scaling early-stage companies to driving operational excellence. I also strongly believe in mentorship: I take pride in guiding the next generation of leaders, sharing knowledge, and building a community of growth.

Awards & Recognition

Digital Payments CFO of the Year (India), 2023 — Acquisition International Global CFO Excellence Awards

Digital Payments CFO of the Year (India) — Corporate INTL Global Awards 2024

CFO of the Year, Indian Achievers’ Awards, 2024 — Recognized for outstanding fintech leadership

Business & Community Award – CFO of the Year, 2024–2025 — Honoured for both financial excellence and community impact

Anurag Singh

“𝐅𝐚𝐢𝐥𝐮𝐫𝐞 𝐢𝐬 𝐚𝐧 𝐨𝐩𝐭𝐢𝐨𝐧 𝐡𝐞𝐫𝐞. 𝐈𝐟 𝐭𝐡𝐢𝐧𝐠𝐬 𝐚𝐫𝐞 𝐧𝐨𝐭 𝐟𝐚𝐢𝐥𝐢𝐧𝐠, 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐧𝐨𝐭 𝐢𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐧𝐠 𝐞𝐧𝐨𝐮𝐠𝐡.”

Most teams say they want innovation.
Very few are actually prepared for what it looks like.

Because innovation isn’t clean.
It breaks assumptions.
It exposes weak systems.
It creates uncomfortable feedback loops.

If everything is always working perfectly, chances are:
• You’re optimizing, not inventing
• You’re repeating what’s proven
• You’re avoiding risk, not managing it

The goal isn’t to fail randomly.
The goal is to fail quickly, learn rapidly, and improve continuously.

Progress doesn’t come from playing safe; it comes from testing boundaries.

Curious: Where do you encourage experimentation today: product, tech, or operations?

#InnovationMindset #FounderThoughts #StartupCulture #BuildInPublic #FintechLeadership #GrowthThinking #Payomatix

Anurag Pratap Singh

Margin pressure in 2026 is unlikely to come from a single dramatic event. More often, it will be the result of multiple factors slowly eroding profitability over time. 

Rising compliance costs, vendor lock-in, FX impact, or inefficient operations may each seem manageable alone, but together they create sustained pressure. Leaders who understand where margins leak early are better positioned to protect them.

What do you believe will hurt margins the most this year?

#MarginProtection #BusinessStrategy #CXOInsights #Leadership #EnterpriseGrowth #RiskAwareness #DecisionMaking

When companies scale too fast, what breaks first?

The author can see how you vote. Learn more

𝐀𝐬 𝐚 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐥𝐞𝐚𝐝𝐞𝐫, 𝐦𝐲 𝐭𝐫𝐚𝐢𝐧𝐢𝐧𝐠 𝐞𝐦𝐩𝐡𝐚𝐬𝐢𝐳𝐞𝐝 𝐜𝐞𝐧𝐭𝐫𝐚𝐥 𝐜𝐨𝐧𝐭𝐫𝐨𝐥: 𝐜𝐨𝐧𝐭𝐫𝐨𝐥 𝐨𝐯𝐞𝐫 𝐛𝐮𝐝𝐠𝐞𝐭𝐬, 𝐜𝐨𝐧𝐭𝐫𝐨𝐥 𝐨𝐯𝐞𝐫 𝐜𝐚𝐬𝐡 𝐟𝐥𝐨𝐰, 𝐜𝐨𝐧𝐭𝐫𝐨𝐥 𝐨𝐯𝐞𝐫 𝐢𝐧𝐟𝐨𝐫𝐦𝐚𝐭𝐢𝐨𝐧. 𝐈𝐭 𝐟𝐞𝐥𝐭 𝐬𝐚𝐟𝐞. 𝐁𝐮𝐭 𝐭𝐡𝐞 𝐫𝐢𝐬𝐞 𝐨𝐟 𝐝𝐞𝐜𝐞𝐧𝐭𝐫𝐚𝐥𝐢𝐳𝐚𝐭𝐢𝐨𝐧 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐝 𝐭𝐡𝐚𝐭 𝐩𝐡𝐢𝐥𝐨𝐬𝐨𝐩𝐡𝐲.

I learned that giving away control is not losing power; it is transforming it when I empower my team with 𝒕𝒓𝒂𝒏𝒔𝒑𝒂𝒓𝒆𝒏𝒄𝒚, 𝒂𝒖𝒕𝒐𝒏𝒐𝒎𝒚, 𝒂𝒏𝒅 𝒕𝒉𝒆 𝒂𝒖𝒕𝒉𝒐𝒓𝒊𝒕𝒚 𝒕𝒐 𝒎𝒂𝒌𝒆 𝒉𝒊𝒈𝒉-𝒔𝒕𝒂𝒌𝒆𝒔 𝒅𝒆𝒄𝒊𝒔𝒊𝒐𝒏𝒔 (𝒘𝒊𝒕𝒉𝒊𝒏 𝒄𝒍𝒆𝒂𝒓 𝒈𝒖𝒂𝒓𝒅𝒓𝒂𝒊𝒍𝒔), 𝑰 𝒎𝒖𝒍𝒕𝒊𝒑𝒍𝒚 𝒎𝒚 𝒐𝒘𝒏 𝒄𝒂𝒑𝒂𝒄𝒊𝒕𝒚.

My job shifted from being the bottleneck to being the enabler of 𝐝𝐞𝐜𝐞𝐧𝐭𝐫𝐚𝐥𝐢𝐳𝐞𝐝 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧-𝐦𝐚𝐤𝐢𝐧𝐠.

This requires immense trust, but the freedom it creates for me to focus on macro-strategy is the ultimate leverage.

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐨𝐧𝐞 𝐚𝐫𝐞𝐚 𝐨𝐟 𝐜𝐨𝐧𝐭𝐫𝐨𝐥 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐬𝐮𝐜𝐜𝐞𝐬𝐬𝐟𝐮𝐥𝐥𝐲 𝐝𝐞𝐥𝐞𝐠𝐚𝐭𝐞 𝐭𝐨 𝐞𝐦𝐩𝐨𝐰𝐞𝐫 𝐲𝐨𝐮𝐫 𝐭𝐞𝐚𝐦 𝐭𝐡𝐢𝐬 𝐦𝐨𝐧𝐭𝐡?

#DecentralizedLeadership #UnlearningControl #CFOInsights #Empowerment #LeadershipFreedom #Web3Philosophy #Delegation

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur Zeba Mahzbeen Abhinav Saxena Apra Singh

𝐀𝐬 𝐚 𝐂𝐅𝐎 𝐟𝐨𝐜𝐮𝐬𝐞𝐝 𝐨𝐧 𝐂𝐚𝐧𝐚𝐝𝐢𝐚𝐧 𝐌𝐒𝐁 𝐜𝐨𝐦𝐩𝐥𝐢𝐚𝐧𝐜𝐞, 𝐈 𝐥𝐢𝐯𝐞 𝐛𝐲 𝐅𝐈𝐍𝐓𝐑𝐀𝐂 𝐚𝐧𝐝 𝐏𝐂𝐈 𝐃𝐒𝐒 4.0.

However, navigating the 𝐝𝐞𝐜𝐞𝐧𝐭𝐫𝐚𝐥𝐢𝐬𝐞𝐝 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 (𝐃𝐞𝐅𝐢) space was a stark reminder that in certain corners, those guardrails are absent. I felt a sudden, 𝐡𝐞𝐚𝐯𝐲 𝐚𝐜𝐜𝐨𝐮𝐧𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲. My personal ethics became the only regulators on my desk.

This experience redefined my 𝐥𝐞𝐚𝐝𝐞𝐫𝐬𝐡𝐢𝐩 𝐩𝐡𝐢𝐥𝐨𝐬𝐨𝐩𝐡𝐲: If you want a culture of external compliance, you must first foster a culture of 𝐟𝐢𝐞𝐫𝐜𝐞 𝐢𝐧𝐭𝐞𝐫𝐧𝐚𝐥 𝐞𝐭𝐡𝐢𝐜𝐬.

I can not expect my team to navigate 𝐜𝐨𝐦𝐩𝐥𝐞𝐱 𝐟𝐢𝐚𝐭/𝐜𝐫𝐲𝐩𝐭𝐨 𝐜𝐨𝐫𝐫𝐢𝐝𝐨𝐫𝐬 for our clients without a 𝐝𝐞𝐞𝐩, 𝐧𝐨𝐧-𝐧𝐞𝐠𝐨𝐭𝐢𝐚𝐛𝐥𝐞 𝐩𝐞𝐫𝐬𝐨𝐧𝐚𝐥 𝐜𝐨𝐝𝐞. We need to actively coach our teams to make the ethical choice even when 𝐧𝐨 𝐚𝐮𝐝𝐢𝐭 𝐟𝐢𝐫𝐦 𝐢𝐬 𝐥𝐨𝐨𝐤𝐢𝐧𝐠.

𝑾𝒉𝒂𝒕 𝒊𝒔 𝒕𝒉𝒆 𝒔𝒊𝒏𝒈𝒍𝒆 𝒏𝒐𝒏-𝒏𝒆𝒈𝒐𝒕𝒊𝒂𝒃𝒍𝒆 𝒆𝒕𝒉𝒊𝒄𝒂𝒍 𝒍𝒊𝒏𝒆 𝒚𝒐𝒖 𝒅𝒓𝒂𝒘 𝒇𝒐𝒓 𝒚𝒐𝒖𝒓 𝒕𝒆𝒂𝒎 𝒘𝒉𝒆𝒏 𝒂𝒑𝒑𝒓𝒐𝒂𝒄𝒉𝒊𝒏𝒈 𝒏𝒆𝒘, 𝒖𝒏𝒓𝒆𝒈𝒖𝒍𝒂𝒕𝒆𝒅 𝒎𝒂𝒓𝒌𝒆𝒕𝒔?

#DeFiEthics #RegulationTech #ComplianceFirst #CFOInsights #Web3Leadership #AMLKYC #PersonalAccountability

Ruchi Rathor Anirudh Pratap Singh 🏆 Payomatix Technologies PayAgency XBancer

Your comfort zone isn’t a bad place.
It’s where you learned to feel safe.

But it’s not where you grow.

Growth begins when you’re willing to feel a little unsure, a little stretched, a little uncomfortable, and without running back to what’s familiar.

Fear isn’t a stop sign.
It’s a signal that you’re expanding.

Learning happens when you stay present.
Growth happens when you keep going.

Gently ask yourself today:
Which zone are you choosing, comfort or becoming?

#SelfGrowth #LifeCoaching #InnerWork #PersonalDevelopment #MindsetShift #EmotionalGrowth #Becoming

Crypto payouts sound simple.

Send funds.
Confirm transaction.
Done.

In reality, payouts are where compliance pressure is highest.

Platforms have to manage:
 • KYC & KYB across jurisdictions
 • Transaction monitoring in real time
 • Sanctions screening & wallet risk scoring
 • Travel Rule requirements
 • Local payout regulations and banking rules

And all of this happens before a user ever sees their money.

The challenge isn’t choosing between speed and compliance.
It’s building systems that handle both; without creating friction.

That’s how modern platforms solve it:
 • Risk-based payouts instead of one-size-fits-all rules
 • Automated compliance checks embedded into payout flows
 • Smart routing across multiple payout rails and providers
 • Continuous monitoring—not just at onboarding

Good compliance doesn’t slow payouts.
Bad infrastructure does.

The platforms scaling today aren’t avoiding regulation; they’re engineering for it.

Curious:
What’s been your biggest blocker in crypto payouts—banking access, regulatory clarity, or operational complexity?

#CryptoCompliance #CryptoPayouts #FintechInfrastructure #RegTech #DigitalAssets #PaymentRails #Web3Payments #Payomatix

Ruchi Rathor Anirudh Pratap Singh 🏆 KATTA SRINIVAS  RAO Chanakya Sharma

𝐂𝐫𝐲𝐩𝐭𝐨 𝐩𝐚𝐲𝐨𝐮𝐭𝐬 𝐚𝐫𝐞 𝐞𝐚𝐬𝐲 𝐮𝐧𝐭𝐢𝐥 𝐲𝐨𝐮 𝐭𝐫𝐲 𝐭𝐨 𝐬𝐜𝐚𝐥𝐞 𝐭𝐡𝐞𝐦 𝐠𝐥𝐨𝐛𝐚𝐥𝐥𝐲.

Different countries.
Different regulators.
Different expectations around KYC, AML, and transaction monitoring.

Most teams hit the same wall:
They scale volume faster than they scale compliance.

That’s when accounts get flagged, corridors shut down, or payouts slow to a crawl.

The reality?
You can’t “𝐦𝐨𝐯𝐞 𝐟𝐚𝐬𝐭 𝐚𝐧𝐝 𝐛𝐫𝐞𝐚𝐤 𝐭𝐡𝐢𝐧𝐠𝐬” in crypto payouts anymore.

The teams doing this right focus on:
• Jurisdiction-aware payout flows
• Embedded KYC & AML at the payout layer
• Smart routing based on risk, not just cost
• Clear audit trails regulators actually understand.

Compliance isn’t the enemy of scale.
Poor infrastructure is.

𝑊ℎ𝑒𝑛 𝑝𝑎𝑦𝑜𝑢𝑡𝑠 𝑎𝑟𝑒 𝑑𝑒𝑠𝑖𝑔𝑛𝑒𝑑 𝑤𝑖𝑡ℎ 𝑟𝑒𝑔𝑢𝑙𝑎𝑡𝑖𝑜𝑛 𝑖𝑛 𝑚𝑖𝑛𝑑 𝑓𝑟𝑜𝑚 𝑑𝑎𝑦 𝑜𝑛𝑒,
𝑔𝑙𝑜𝑏𝑎𝑙 𝑒𝑥𝑝𝑎𝑛𝑠𝑖𝑜𝑛 𝑏𝑒𝑐𝑜𝑚𝑒𝑠 𝑝𝑟𝑒𝑑𝑖𝑐𝑡𝑎𝑏𝑙𝑒 𝑟𝑎𝑡ℎ𝑒𝑟 𝑡ℎ𝑎𝑛 𝑝𝑎𝑖𝑛𝑓𝑢𝑙.

𝐅𝐨𝐮𝐧𝐝𝐞𝐫 𝐪𝐮𝐞𝐬𝐭𝐢𝐨𝐧:
𝐖𝐡𝐚𝐭’𝐬 𝐡𝐚𝐫𝐝𝐞𝐫 𝐫𝐢𝐠𝐡𝐭 𝐧𝐨𝐰—𝐨𝐩𝐞𝐧𝐢𝐧𝐠 𝐧𝐞𝐰 𝐩𝐚𝐲𝐨𝐮𝐭 𝐜𝐨𝐫𝐫𝐢𝐝𝐨𝐫𝐬 𝐨𝐫 𝐤𝐞𝐞𝐩𝐢𝐧𝐠 𝐭𝐡𝐞𝐦 𝐨𝐩𝐞𝐧?

#CryptoPayments #CryptoPayouts #FintechCompliance #RegTech #GlobalPayments #BlockchainInfrastructure #FintechLeadership #Payomatix

𝐀𝐫𝐭𝐢𝐟𝐢𝐜𝐢𝐚𝐥 𝐈𝐧𝐭𝐞𝐥𝐥𝐢𝐠𝐞𝐧𝐜𝐞 𝐢𝐬 𝐫𝐞𝐬𝐡𝐚𝐩𝐢𝐧𝐠 𝐡𝐨𝐰 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐫𝐞 𝐦𝐚𝐝𝐞; 𝐢𝐧 𝐫𝐞𝐚𝐥 𝐭𝐢𝐦𝐞, 𝐧𝐨𝐭 𝐫𝐞𝐭𝐫𝐨𝐬𝐩𝐞𝐜𝐭𝐢𝐯𝐞𝐥𝐲.

In today’s digital economy, static pricing models and slow credit approvals no longer work. AI brings 𝐬𝐩𝐞𝐞𝐝, 𝐚𝐜𝐜𝐮𝐫𝐚𝐜𝐲, 𝐚𝐧𝐝 𝐚𝐝𝐚𝐩𝐭𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐭𝐨 𝐭𝐡𝐞 𝐟𝐨𝐫𝐞𝐟𝐫𝐨𝐧𝐭.

𝑯𝒆𝒓𝒆’𝒔 𝒘𝒉𝒆𝒓𝒆 𝑨𝑰 𝒊𝒔 𝒎𝒂𝒌𝒊𝒏𝒈 𝒕𝒉𝒆 𝒃𝒊𝒈𝒈𝒆𝒔𝒕 𝒊𝒎𝒑𝒂𝒄𝒕:

🔹 𝐃𝐲𝐧𝐚𝐦𝐢𝐜 𝐏𝐫𝐢𝐜𝐢𝐧𝐠 – Prices adjust instantly based on demand, risk, behavior, and market signals.

🔹 𝐑𝐞𝐚𝐥-𝐓𝐢𝐦𝐞 𝐂𝐫𝐞𝐝𝐢𝐭 𝐃𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 – AI analyzes multiple data points in seconds, enabling faster approvals with reduced risk.

🔹 𝐒𝐦𝐚𝐫𝐭𝐞𝐫 𝐑𝐢𝐬𝐤 𝐀𝐬𝐬𝐞𝐬𝐬𝐦𝐞𝐧𝐭 – Machine learning models continuously improve by learning from transaction behavior.

🔹 𝐈𝐦𝐩𝐫𝐨𝐯𝐞𝐝 𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐄𝐱𝐩𝐞𝐫𝐢𝐞𝐧𝐜𝐞 – Faster decisions mean fewer drop-offs and higher conversions.

At Payomatix Technologies, we leverage AI-driven intelligence within payment and credit workflows to help businesses optimize pricing, manage risk, and scale confidence.

𝑨𝑰 𝒊𝒔𝒏’𝒕 𝒓𝒆𝒑𝒍𝒂𝒄𝒊𝒏𝒈 𝒅𝒆𝒄𝒊𝒔𝒊𝒐𝒏-𝒎𝒂𝒌𝒆𝒓𝒔. 𝑰𝒕’𝒔 𝒆𝒎𝒑𝒐𝒘𝒆𝒓𝒊𝒏𝒈 𝒃𝒆𝒕𝒕𝒆𝒓 𝒅𝒆𝒄𝒊𝒔𝒊𝒐𝒏𝒔, 𝒊𝒏𝒔𝒕𝒂𝒏𝒕𝒍𝒚. 

#Payomatix #ArtificialIntelligence #AIFinance #DynamicPricing #CreditDecisioning #FintechInnovation #DigitalPayments #RiskManagement #MachineLearning #FutureOfFinance

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur AKASH MISHRA KATTA SRINIVAS  RAO Dipesh Nagpal Shashank Jain

𝐅𝐨𝐫 𝐲𝐞𝐚𝐫𝐬, finance felt like the place where 𝒄𝒓𝒆𝒂𝒕𝒊𝒗𝒊𝒕𝒚 went to die.

Then I made a conscious choice: what if I encouraged curiosity instead of resisting it?

What if my team felt safe to challenge old processes or test new tools?

Slowly, the 𝐜𝐮𝐥𝐭𝐮𝐫𝐞 𝐬𝐡𝐢𝐟𝐭𝐞𝐝. 𝐏𝐞𝐨𝐩𝐥𝐞 𝐬𝐩𝐨𝐤𝐞 𝐮𝐩 𝐦𝐨𝐫𝐞. 𝐈𝐝𝐞𝐚𝐬 𝐟𝐥𝐨𝐰𝐞𝐝. 𝐄𝐱𝐩𝐞𝐫𝐢𝐦𝐞𝐧𝐭𝐬 𝐬𝐭𝐚𝐫𝐭𝐞𝐝. And I realised innovation does not require big budgets… it requires psychological safety.

𝐓𝐨𝐝𝐚𝐲, 𝐨𝐮𝐫 𝐭𝐞𝐚𝐦 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐬𝐮𝐩𝐩𝐨𝐫𝐭 𝐢𝐧𝐧𝐨𝐯𝐚𝐭𝐢𝐨𝐧; 𝐰𝐞 𝐜𝐫𝐞𝐚𝐭𝐞 𝐢𝐭.

#PaymentSecurity #TokenizationTech #SecureTransactions #DigitalPayments #FraudPrevention #FintechSecurity #NextGenPayments

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur Chanakya Sharma Harsh Gupta Bhawna Sharma Mohit Rana

We often talk about peace as if it is a 𝒅𝒆𝒔𝒕𝒊𝒏𝒂𝒕𝒊𝒐𝒏, 𝒂 𝒕𝒓𝒐𝒑𝒊𝒄𝒂𝒍 𝒊𝒔𝒍𝒂𝒏𝒅 we will finally arrive once we make enough money, find the right partner, or finish the project. We think peace is the absence of problems.

𝑩𝒖𝒕 𝒕𝒓𝒖𝒆 𝒑𝒆𝒂𝒄𝒆 𝒊𝒔 𝒏𝒐𝒕 𝒂𝒏 𝒆𝒙𝒕𝒆𝒓𝒏𝒂𝒍 𝒆𝒏𝒗𝒊𝒓𝒐𝒏𝒎𝒆𝒏𝒕; it is an internal skill set. It is an active muscle that requires training. It is the ability to maintain your center when the world is spinning off its axis.

And like any high-level skill, it requires sacrifice. To practice peace, you must become proficient in the uncomfortable art of saying "𝐍𝐨." No to drama, no to over-commitment, no to people who drain you. You cannot have a peaceful mind while living a 𝒄𝒉𝒂𝒐𝒕𝒊𝒄 𝒍𝒊𝒇𝒆 to please others. 𝑺𝒕𝒂𝒓𝒕 𝒑𝒓𝒂𝒄𝒕𝒊𝒄𝒊𝒏𝒈.

#InnerPeace #Mindfulness #Stoicism #BoundarySetting #EmotionalIntelligence #PeaceOfMind #LifeSkills #MentalClarity

𝐄𝐧𝐞𝐫𝐠𝐲 𝐢𝐬 𝐜𝐨𝐧𝐭𝐚𝐠𝐢𝐨𝐮𝐬, 𝐚𝐧𝐝 𝐢𝐟 𝐲𝐨𝐮 𝐚𝐫𝐞 𝐬𝐮𝐫𝐫𝐨𝐮𝐧𝐝𝐞𝐝 𝐛𝐲 𝐩𝐞𝐨𝐩𝐥𝐞 𝐰𝐡𝐨 𝐚𝐫𝐞 𝐜𝐨𝐦𝐟𝐨𝐫𝐭𝐚𝐛𝐥𝐞 𝐛𝐞𝐢𝐧𝐠 𝐬𝐭𝐚𝐠𝐧𝐚𝐧𝐭, 𝐲𝐨𝐮𝐫 𝐨𝐰𝐧 𝐠𝐫𝐨𝐰𝐭𝐡 𝐰𝐢𝐥𝐥 𝐬𝐭𝐚𝐫𝐭 𝐭𝐨 𝐟𝐞𝐞𝐥 𝐥𝐢𝐤𝐞 𝐚 𝐭𝐡𝐫𝐞𝐚𝐭 𝐭𝐨 𝐭𝐡𝐞𝐦. 

It is heartbreaking to realize that some people only liked the version of you that was 𝒔𝒎𝒂𝒍𝒍, 𝒄𝒐𝒎𝒑𝒍𝒊𝒂𝒏𝒕, 𝒐𝒓 𝒃𝒓𝒐𝒌𝒆𝒏. As you evolve, your circle will naturally shift. 

This isn't about being "𝒃𝒆𝒕𝒕𝒆𝒓" than others; it’s about being aligned with your destination. 

If you are the most ambitious person in the room, 𝐟𝐢𝐧𝐝 𝐚 𝐧𝐞𝐰 𝐫𝐨𝐨𝐦. Your environment should 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞 𝐲𝐨𝐮 𝐭𝐨 stretch, 𝐧𝐨𝐭 𝐞𝐧𝐜𝐨𝐮𝐫𝐚𝐠𝐞 you to shrink.

#Environment #GrowthMindset #InnerCircle #SelfDevelopment #Boundaries #LifeLessons #SuccessTips #Evolution

𝐖𝐞 𝐡𝐚𝐯𝐞 𝐛𝐞𝐞𝐧 𝐬𝐨𝐥𝐝 𝐚 𝐯𝐞𝐫𝐬𝐢𝐨𝐧 𝐨𝐟 𝐬𝐮𝐜𝐜𝐞𝐬𝐬 𝐭𝐡𝐚𝐭 𝐥𝐨𝐨𝐤𝐬 𝐥𝐢𝐤𝐞 𝐞𝐱𝐡𝐚𝐮𝐬𝐭𝐢𝐨𝐧, 𝐡𝐢𝐠𝐡 𝐬𝐭𝐫𝐞𝐬𝐬, 𝐚𝐧𝐝 𝐚 𝐩𝐚𝐜𝐤𝐞𝐝 𝐜𝐚𝐥𝐞𝐧𝐝𝐚𝐫. 

But what is the point of reaching the top of the 𝐦𝐨𝐮𝐧𝐭𝐚𝐢𝐧 if you’re too tired to enjoy the view? True wealth is having a calm nervous system. It’s being able to sit in silence without feeling guilty. It’s having the health to enjoy your 𝐰𝐞𝐚𝐥𝐭𝐡 and the time to enjoy your 𝐟𝐚𝐦𝐢𝐥𝐲. 

Stop glorifying the "𝐡𝐮𝐬𝐭𝐥𝐞" and start prioritizing the "𝐡𝐚𝐫𝐦𝐨𝐧𝐲." 

If your success requires you to sacrifice your 𝒎𝒆𝒏𝒕𝒂𝒍 𝒉𝒆𝒂𝒍𝒕𝒉, the price tag is too high.

Build a life you don't need a 𝒗𝒂𝒄𝒂𝒕𝒊𝒐𝒏 𝒇𝒓𝒐𝒎.

#Wellness #WorkLifeBalance #SlowLiving #SuccessReDefined #PeaceOfMind #MentalHealthAwareness #HolisticHealth #Mindfulness

Happy 77th Republic Day

Today isn’t just about a date on the calendar.
It’s about the values that define who we are as a nation.

The Constitution gave us more than governance it gave us equality, freedom, dignity, and responsibility.

As citizens, these values ask something of us every day:
 • To respect differences
 • To stand for fairness
 • To act with integrity, even when it’s hard
 • To think beyond ourselves

A strong nation isn’t built only by institutions.
It’s built by people who choose to do the right thing; consistently, quietly, and courageously.
On this 77th Republic Day,
let’s recommit to the spirit of India — not just in words, but in action.

Proud to be Indian 🇮🇳
Happy Republic Day to all

#HappyRepublicDay #RepublicDayIndia #IndiaAt77 #ConstitutionOfIndia #ProudIndian #NationFirst

𝐇𝐢𝐠𝐡-𝐯𝐨𝐥𝐮𝐦𝐞 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧𝐬 𝐚𝐫𝐞 𝐧𝐨𝐭 𝐣𝐮𝐬𝐭 𝐚 𝐭𝐞𝐜𝐡𝐧𝐢𝐜𝐚𝐥 𝐜𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞; 𝐭𝐡𝐞𝐲 𝐭𝐞𝐬𝐭 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐚𝐧𝐝 𝐨𝐩𝐞𝐫𝐚𝐭𝐢𝐨𝐧𝐚𝐥 𝐡𝐞𝐚𝐫𝐭𝐛𝐞𝐚𝐭 𝐨𝐟 𝐚 𝐜𝐨𝐦𝐩𝐚𝐧𝐲.

When volumes surge, weak infrastructure exposes itself instantly: routing delays, reconciliation gaps, settlement issues, customer frustration. I have seen systems built for “𝐠𝐫𝐨𝐰𝐭𝐡 𝐬𝐨𝐦𝐞𝐝𝐚𝐲” crumble under “𝐠𝐫𝐨𝐰𝐭𝐡 𝐭𝐨𝐝𝐚𝐲.”

But when 𝐢𝐧𝐟𝐫𝐚𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞 is designed to scale, with 𝐚𝐮𝐭𝐨-𝐫𝐨𝐮𝐭𝐢𝐧𝐠, 𝐫𝐞𝐝𝐮𝐧𝐝𝐚𝐧𝐜𝐲, 𝐫𝐞𝐚𝐥-𝐭𝐢𝐦𝐞 𝐦𝐨𝐧𝐢𝐭𝐨𝐫𝐢𝐧𝐠, 𝐚𝐧𝐝 𝐬𝐭𝐚𝐛𝐥𝐞 𝐮𝐩𝐭𝐢𝐦𝐞, volume stops being a threat and becomes a 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐯𝐞 𝐚𝐝𝐯𝐚𝐧𝐭𝐚𝐠𝐞.

𝑻𝒉𝒆 𝒕𝒓𝒖𝒕𝒉 𝒊𝒔 𝒔𝒊𝒎𝒑𝒍𝒆:
𝐁𝐮𝐬𝐢𝐧𝐞𝐬𝐬𝐞𝐬 do not just fail because they grow 𝐭𝐨𝐨 𝐟𝐚𝐬𝐭.

𝑻𝒉𝒆𝒚 𝒇𝒂𝒊𝒍 𝒃𝒆𝒄𝒂𝒖𝒔𝒆 𝒕𝒉𝒆𝒊𝒓 𝒔𝒚𝒔𝒕𝒆𝒎𝒔 𝒅𝒐 𝒏𝒐𝒕. 

#PaymentInfrastructure #ScalableSystems #HighVolumeTransactions #FintechEngineering #OperationalExcellence #FutureReadyFinance #DigitalPayments

High-Volume Transaction Infrastructure

Most merchants don’t switch PSPs because of pricing.
They switch because their money is stuck.

Waiting days for settlements might look normal on a balance sheet, but on the ground, it kills momentum.

Cash flow is oxygen.

That’s why instant and near-real-time payouts are quietly becoming one of the strongest merchant loyalty levers in payments.

When payouts are fast:
 • Merchants reinvest sooner
 • Operations run smoother
 • Trust builds without long sales calls

At Payomatix Technologies, we see this firsthand.
Faster settlements don’t just improve satisfaction; they change behavior. Merchants stay longer, process more volume, and rely less on workarounds like credit lines or advances.

In crowded markets, everyone offers “competitive rates.”
Very few offer control over cash flow.

Instant payouts aren’t a feature anymore.
They’re a signal: we understand how merchants actually operate.

Honest question: would your merchants choose lower fees or faster access to funds?

#InstantPayouts #MerchantExperience #PaymentsInnovation #FintechGrowth #CashFlowMatters #PaymentInfrastructure #FintechFounders #Payomatix

𝐅𝐫𝐚𝐮𝐝 𝐝𝐨𝐞𝐬𝐧’𝐭 𝐰𝐚𝐢𝐭 𝐟𝐨𝐫 𝐫𝐞𝐯𝐢𝐞𝐰𝐬, 𝐚𝐮𝐝𝐢𝐭𝐬, 𝐨𝐫 𝐫𝐮𝐥𝐞 𝐮𝐩𝐝𝐚𝐭𝐞𝐬. 𝐈𝐭 𝐚𝐝𝐚𝐩𝐭𝐬 𝐢𝐧 𝐫𝐞𝐚𝐥 𝐭𝐢𝐦𝐞.

That’s why static 𝐟𝐫𝐚𝐮𝐝 𝐫𝐮𝐥𝐞𝐬 are quietly becoming a liability.

Machine learning flips the model.

Instead of asking “𝑫𝒐𝒆𝒔 𝒕𝒉𝒊𝒔 𝒕𝒓𝒂𝒏𝒔𝒂𝒄𝒕𝒊𝒐𝒏 𝒃𝒓𝒆𝒂𝒌 𝒂 𝒓𝒖𝒍𝒆?”
It asks, “𝑫𝒐𝒆𝒔 𝒕𝒉𝒊𝒔 𝒃𝒆𝒉𝒂𝒗𝒊𝒐𝒓 𝒎𝒂𝒌𝒆 𝒔𝒆𝒏𝒔𝒆 𝒓𝒊𝒈𝒉𝒕 𝒏𝒐𝒘?”

That difference matters.

• Real-time 𝐚𝐧𝐨𝐦𝐚𝐥𝐲 detection spots unusual behavior as it happens
• Adaptive scoring 𝐫𝐞𝐜𝐚𝐥𝐢𝐛𝐫𝐚𝐭𝐞𝐬 risk with every transaction
• 𝐏𝐫𝐞𝐝𝐢𝐜𝐭𝐢𝐯𝐞 𝐦𝐨𝐝𝐞𝐥𝐬 surface threats before losses show up in reports

At Payomatix Technologies, this is something we see up close.
When ML is embedded directly into payment flows, fraud prevention stops being reactive. It becomes continuous, contextual, and self-improving.

The real win isn’t just stopping fraud.
𝐈𝐭’𝐬 𝐫𝐞𝐝𝐮𝐜𝐢𝐧𝐠 𝐟𝐚𝐥𝐬𝐞 𝐝𝐞𝐜𝐥𝐢𝐧𝐞𝐬, 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐧𝐠 𝐠𝐨𝐨𝐝 𝐮𝐬𝐞𝐫𝐬, 𝐚𝐧𝐝 𝐥𝐞𝐭𝐭𝐢𝐧𝐠 𝐠𝐫𝐨𝐰𝐭𝐡 𝐡𝐚𝐩𝐩𝐞𝐧 𝐰𝐢𝐭𝐡𝐨𝐮𝐭 𝐟𝐞𝐚𝐫.

Strong payment security today isn’t stricter.
It’s smarter and learning every second.

💬 What’s been harder for your team: fraud losses or false positives?

#PaymentFraud #MachineLearning #FintechSecurity #FraudDetection #RiskScoring #RealTimePayments #FintechLeadership #Payomatix

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur Chanakya Sharma

𝐈 𝐡𝐚𝐯𝐞 𝐫𝐞𝐚𝐜𝐡𝐞𝐝 𝐚 𝐩𝐨𝐢𝐧𝐭 𝐰𝐡𝐞𝐫𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐩𝐞𝐫𝐟𝐨𝐫𝐦𝐚𝐧𝐜𝐞 𝐚𝐥𝐨𝐧𝐞 𝐝𝐨𝐞𝐬 𝐧𝐨𝐭 𝐟𝐞𝐞𝐥 𝐥𝐢𝐤𝐞 𝐬𝐮𝐜𝐜𝐞𝐬𝐬 𝐚𝐧𝐲𝐦𝐨𝐫𝐞.

The real impact comes from knowing the decisions I make protect more than just the bottom line.

𝐄𝐒𝐆 is not a checkbox for me; it is a reminder that businesses shape 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐭𝐢𝐞𝐬, 𝐩𝐞𝐨𝐩𝐥𝐞, 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐟𝐮𝐭𝐮𝐫𝐞.

When I choose 𝐞𝐭𝐡𝐢𝐜𝐚𝐥 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐞𝐬, 𝐬𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐢𝐞𝐬, 𝐚𝐧𝐝 𝐟𝐚𝐢𝐫 𝐠𝐨𝐯𝐞𝐫𝐧𝐚𝐧𝐜𝐞, I feel like I am contributing to something bigger than quarterly results.

𝑨𝒏𝒅 𝒕𝒉𝒂𝒕 𝒊𝒔 𝒕𝒉𝒆 𝒌𝒊𝒏𝒅 𝒐𝒇 𝒇𝒊𝒏𝒂𝒏𝒄𝒆 𝑰 𝒘𝒂𝒏𝒕 𝒕𝒐 𝒔𝒕𝒂𝒏𝒅 𝒃𝒆𝒉𝒊𝒏𝒅.

#ResponsibleFinance #ESGLeadership #SustainableBusiness #EthicalGrowth #ImpactFinance #GovernanceExcellence #FintechForGood

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur AKASH MISHRA Abhinav Saxena Dipesh Nagpal

𝐌𝐨𝐬𝐭 𝐩𝐫𝐢𝐜𝐢𝐧𝐠 𝐚𝐧𝐝 𝐜𝐫𝐞𝐝𝐢𝐭 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬 𝐚𝐫𝐞 𝐬𝐭𝐢𝐥𝐥 𝐦𝐚𝐝𝐞 𝐛𝐞𝐟𝐨𝐫𝐞 𝐭𝐡𝐞 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫 𝐬𝐡𝐨𝐰𝐬 𝐮𝐩.

𝐒𝐭𝐚𝐭𝐢𝐜 price tiers.
𝐏𝐫𝐞-𝐬𝐞𝐭 credit limits.
Yesterday’s data drives 𝐭𝐨𝐝𝐚𝐲’𝐬 𝐝𝐞𝐜𝐢𝐬𝐢𝐨𝐧𝐬.

𝐀𝐈 𝐜𝐡𝐚𝐧𝐠𝐞𝐬 𝐭𝐡𝐚𝐭.

Instead of locking offers in advance, 𝐀𝐈 𝐞𝐯𝐚𝐥𝐮𝐚𝐭𝐞𝐬 context in real time: who the customer is, how they behave, and what risk or value they represent right now.

That’s where the upside shows up:
• Dynamic pricing adjusts offers based on 𝐝𝐞𝐦𝐚𝐧𝐝, 𝐛𝐞𝐡𝐚𝐯𝐢𝐨𝐫, 𝐚𝐧𝐝 𝐫𝐢𝐬𝐤
• 𝐈𝐧𝐬𝐭𝐚𝐧𝐭 𝐜𝐫𝐞𝐝𝐢𝐭 approvals remove friction at the moment of intent
• Personalized decisioning balances conversion with profitability

At Payomatix Technologies, we see this shift clearly.
When pricing and credit are connected directly to live payment data, businesses stop guessing—and start responding.

The result isn’t just 𝐡𝐢𝐠𝐡𝐞𝐫 𝐚𝐩𝐩𝐫𝐨𝐯𝐚𝐥 𝐫𝐚𝐭𝐞𝐬.
It’s better margins, fewer abandoned 𝐜𝐡𝐞𝐜𝐤𝐨𝐮𝐭𝐬, and decisions that scale without manual intervention.

The future of pricing and credit isn’t 𝐟𝐚𝐬𝐭𝐞𝐫 𝐬𝐩𝐫𝐞𝐚𝐝𝐬𝐡𝐞𝐞𝐭𝐬.
It’s intelligence built directly into the 𝐭𝐫𝐚𝐧𝐬𝐚𝐜𝐭𝐢𝐨𝐧.

💬 What drives more impact in your business today: 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧 𝐫𝐚𝐭𝐞 𝐨𝐫 𝐫𝐢𝐬𝐤 𝐜𝐨𝐧𝐭𝐫𝐨𝐥?

#AIinFintech #DynamicPricing #CreditDecisioning  #RealTimeData #PaymentsInnovation #FintechLeadership #GrowthStrategy #Payomatix

Ruchi Rathor Anirudh Pratap Singh 🏆 Harshal Gaur AKASH MISHRA Dipesh Nagpal

𝐖𝐞 𝐚𝐫𝐞 𝐚 𝐠𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 𝐨𝐛𝐬𝐞𝐬𝐬𝐞𝐝 𝐰𝐢𝐭𝐡 𝐢𝐧𝐬𝐭𝐚𝐧𝐭 𝐫𝐞𝐬𝐮𝐥𝐭𝐬. 𝐖𝐞 𝐰𝐚𝐧𝐭 𝐭𝐡𝐞 𝐛𝐨𝐝𝐲 𝐢𝐧 𝐚 𝐰𝐞𝐞𝐤, 𝐭𝐡𝐞 𝐛𝐮𝐬𝐢𝐧𝐞𝐬𝐬 𝐢𝐧 𝐚 𝐦𝐨𝐧𝐭𝐡, 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐢𝐧𝐧𝐞𝐫 𝐩𝐞𝐚𝐜𝐞 𝐢𝐧 𝐚𝐧 𝐡𝐨𝐮𝐫. 

When things don't happen fast, we label ourselves as failures. But "𝐧𝐨𝐭 𝐲𝐞𝐭" is not the same as "𝐧𝐞𝐯𝐞𝐫." Some of the most beautiful things in the world take the longest to form. 𝐃𝐢𝐚𝐦𝐨𝐧𝐝𝐬 need pressure; 𝐨𝐚𝐤𝐬 need time. 

If you are doing the work but not 𝐬𝐞𝐞𝐢𝐧𝐠 𝐭𝐡𝐞 𝐟𝐫𝐮𝐢𝐭, remember that you are currently growing the roots. A tree with deep roots can survive any storm.

Trust your timing, it’s much more accurate than 𝐲𝐨𝐮𝐫 𝐞𝐠𝐨’𝐬 𝐭𝐢𝐦𝐞𝐥𝐢𝐧𝐞.

#Patience #Persistence #TrustTheProcess #GoalSetting #KeepPushing #MotivationMonday #LongTermValue #SuccessJourney

𝐍𝐨𝐭 𝐥𝐨𝐧𝐠 𝐚𝐠𝐨, 𝐰𝐚𝐢𝐭𝐢𝐧𝐠 2–5 𝐝𝐚𝐲𝐬 𝐟𝐨𝐫 𝐚 𝐜𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 𝐩𝐚𝐲𝐦𝐞𝐧𝐭 𝐰𝐚𝐬 𝐜𝐨𝐧𝐬𝐢𝐝𝐞𝐫𝐞𝐝 “𝐧𝐨𝐫𝐦𝐚𝐥.”

Today, it feels broken.

𝐃𝐨𝐦𝐞𝐬𝐭𝐢𝐜 payments move in seconds.
𝐂𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬 see the balances update instantly.
But the moment money 𝐜𝐫𝐨𝐬𝐬𝐞𝐬 𝐚 𝐛𝐨𝐫𝐝𝐞𝐫, expectations usually drop.

That’s changed.

𝑰𝒏𝒏𝒐𝒗𝒂𝒕𝒊𝒐𝒏𝒔 𝒍𝒊𝒌𝒆 𝑭𝒆𝒅𝑵𝒐𝒘, 𝑹𝒊𝒑𝒑𝒍𝒆𝑵𝒆𝒕, 𝒂𝒏𝒅 𝒊𝒏𝒔𝒕𝒂𝒏𝒕 𝑺𝑾𝑰𝑭𝑻 𝒔𝒐𝒍𝒖𝒕𝒊𝒐𝒏𝒔 𝒂𝒓𝒆 𝒓𝒆𝒔𝒆𝒕𝒕𝒊𝒏𝒈 𝒕𝒉𝒆 𝒃𝒂𝒔𝒆𝒍𝒊𝒏𝒆.

Speed is no longer a premium feature—it’s the expectation.

𝐖𝐡𝐚𝐭’𝐬 𝐝𝐫𝐢𝐯𝐢𝐧𝐠 𝐭𝐡𝐞 𝐬𝐡𝐢𝐟𝐭?

• Real-time settlement instead of 𝐛𝐚𝐭𝐜𝐡-𝐛𝐚𝐬𝐞𝐝 𝐜𝐥𝐞𝐚𝐫𝐢𝐧𝐠
• Better transparency on 𝐟𝐞𝐞𝐬, 𝐅𝐗, 𝐚𝐧𝐝 𝐝𝐞𝐥𝐢𝐯𝐞𝐫𝐲 𝐭𝐢𝐦𝐞
• Always-on payment rails that don’t stop for 𝐛𝐨𝐫𝐝𝐞𝐫𝐬 𝐨𝐫 𝐛𝐚𝐧𝐤𝐢𝐧𝐠 𝐡𝐨𝐮𝐫𝐬

At Payomatix Technologies, we see this clearly:
When real-time capability is built into cross-border flows, businesses unlock faster cash cycles, stronger trust, and entirely new use cases.

This isn’t just about moving money faster.
It’s about aligning global payments with how digital businesses already operate—24/7, borderless, and on demand.

The question isn’t if 𝐫𝐞𝐚𝐥-𝐭𝐢𝐦𝐞 𝐜𝐫𝐨𝐬𝐬-𝐛𝐨𝐫𝐝𝐞𝐫 becomes standard.
It’s how long your business can afford to wait.

💬 𝐖𝐡𝐚𝐭 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐦𝐨𝐫𝐞 𝐟𝐨𝐫 𝐲𝐨𝐮 𝐭𝐨𝐝𝐚𝐲: 𝐬𝐩𝐞𝐞𝐝, 𝐜𝐨𝐬𝐭 𝐭𝐫𝐚𝐧𝐬𝐩𝐚𝐫𝐞𝐧𝐜𝐲, 𝐨𝐫 𝐜𝐞𝐫𝐭𝐚𝐢𝐧𝐭𝐲 𝐨𝐟 𝐬𝐞𝐭𝐭𝐥𝐞𝐦𝐞𝐧𝐭?

#CrossBorderPayments #RealTimePayments #FedNow #RippleNet #SWIFT #PaymentsInnovation #FintechLeadership #Payomatix

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