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If Banks could Do It like Nike !

When most sports apparel brands were losing out on differentiation and everybody had pretty much nailed the sneaker business and risked losing precious business to cheap counterfeits, Nike did their own thing. They created an alternate market of data driven innovation, a digital connect with its customers through apps and most importantly a community that lives and breathes the Nike brand through its apps, wearables , apparels and sports equipment leaving its competition way behind . As it gets harder to innovate and create differentiation in banking, it is interesting to sit back and observe how Nike changed the game to retain relevance.

The PSD2 Opportunity for Digital Lenders

Digital Lending Marketplaces may be the true winners with the emergence of PSD2 . Here is my take on it.

Quick Guide to Blockchain Consensus Mechanisms

Quick guide to consensus mechanisms in blockchain . Proof of Work , Proof of Stake , PoET , PBFT and more...

The C-Suite Challenges of a Trade Finance Bank

An insight into the challenges that plague the C-Suite of a bank determined to lead the trade finance business. Is Digitization the answer?

Digital Lending – The Strategy Game

Digital Lending Technology is set to change the 600 bilion dollar loan market. An observer's point of view..

The Hidden Treasures of Semantic Fingerprinting

The futurists of the world are besotted by the science that simulates the engagement , decision and the discovery process of the human brain -in other words Artificial Intelligence(AI) or Cognitive Sciences. Cognitive systems quickly identify patterns similar to a way our brain identifies situations and responds to it. Within AI , there are a number of different technologies and they lie at different points in the curve of adoption with virtual assistants and robo-advisors riding the crest of adoption. This post talks about the merits of the lesser known yet immensely intriguing Semantic Technology .

Who pays off the Technical Debt for Fintech Startups ?

Fintech Startups and the redemption of high technical debts. Who really pays it off ?Read on,,,

Driving Financial Inclusion through India Post

Any institution that works to establish financial inclusion takes on the role of becoming an emissary of trust - trust in the economy . To establish the first level of trust for the unbanked  is one of the biggest challenges across third world economies. Postal networks have often been the most effective tools of establishing … Continue reading Driving Financial Inclusion through India Post

GDPR Proofing fintechxpert

GDPR Proofing the Lending Data Chain

Understanding GDPR , one article at a time . Attempting to analyse the implications of GDPR in the multiple situations that arise in Alt-Lending as data flows through multiple participants in the chain .A hypothetical but very real scenario of lending explored ,assessing the GDPR situations that arise , followed by best practices to consider by alt-lenders and banks.

How do Bots Answer Questions ?

There are simply too many technologies that really go into making a bot comprehend a question, then reason and finally respond to it. Unlike the human brain that has answers to most questions, intelligent systems have multiple answers to every question, it can comprehend and the cycle of responding with the right answer is often as key as being able to understand. This post is really about what kind of technologies and software architecture powers the QnA element of chatbots.

Reference Architecture for Text Analytics

How does NLP power Analytics ?

Text Analytics or often known as Text Mining is the discovery of new or existing facts applying the science of natural language processing and statistical learning techniques. This post explains how NLP based text analytics systems anatomically look like .

What is Natural Language Processing ?

In a post last January, I had termed 2017 to be the year of the banking bots and chatbots , virtual assistants and robo advisors did seem to get their fair share of the spotlight. Throughout the year chatbots and their use cases occupied a fair share of attention and saw very senior business leadership take interest and action to enable NLP based intelligent systems become part of their ecosystem. And over and again , the basics of the technology or how-it-works was asked . Presenting a small primer to enable anyone to be able to understand the nuances.