Month: August 2025

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Central Bank Digital Currencies (CBDC): India’s Digital Rupee (e₹) and the Future of Money

The global financial landscape is undergoing a revolutionary shift with the introduction of Central Bank Digital Currencies (CBDCs). These are digital versions of a country’s fiat currency, issued and regulated directly by the central bank. Unlike cryptocurrencies such as Bitcoin, CBDCs are state-backed, stable, and legal tender. India, one of the fastest-growing fintech markets in […]

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Finance via Short-form Video & Influencers — How Digital Platforms Are Reshaping How Indians Make Financial Decisions

Introduction India’s financial landscape is going through a dramatic shift — and this time, it’s not being led by bankers in suits, but by creators with smartphones. Platforms like Instagram Reels, YouTube Shorts, and TikTok alternatives (like Moj, Josh, Chingari) are turning complex financial concepts into 60-second, snackable pieces of content. At the same time, […]

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Behavioural Finance for Advisors: Nudges That Actually Improve Investor Returns

For decades, investment advice has focused on asset allocation, risk profiling, and product selection. But here’s the uncomfortable truth — even the best investment strategy falls apart if clients don’t stick to it. That’s where behavioural finance comes in. It’s not about finding the perfect stock or fund; it’s about understanding why investors behave the […]

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Generative AI Driving Fintech Innovation in India: Transforming Customer Experience, Credit, and Compliance

The Indian fintech sector is experiencing a paradigm shift, and at the center of this transformation is Generative AI (GenAI). No longer just a buzzword, GenAI is now an operational powerhouse enabling companies to reimagine everything from customer engagement to complex risk assessment models. Platforms like Dhan, Easebuzz, Zeta, and Yubi are leading the charge, […]

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RBI’s Cloud Plan for Fintech Data Localization: Strengthening India’s Digital Finance Infrastructure

The Reserve Bank of India (RBI) is planning to launch India-centric cloud services for financial firms by 2025, marking a significant step in the country’s push for data localization and digital sovereignty. The move encourages fintech companies, banks, and other financial institutions to leverage domestically hosted cloud infrastructure rather than relying solely on global giants […]

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Innovations in Fintech Security: Blockchain Meets Zero Trust Architecture

In the rapidly evolving fintech landscape, security remains the backbone of consumer trust and operational stability. As digital transactions, mobile banking, and online lending explode in scale, cyber threats and insider risks have become more sophisticated. Traditional security measures are no longer sufficient to safeguard financial data, transactions, and digital assets. To address these challenges, […]

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Private Credit for Retail: Opportunities, Tokenization, and the Liquidity Trap

Introduction Private credit, once an asset class reserved for institutional investors and ultra-wealthy family offices, is now quietly making its way into the retail investing universe. In India, digital investment platforms, fintech innovations, and SEBI’s push toward democratizing alternative assets have opened the gates for individual investors to participate in lending directly to companies and […]

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AI-Powered Asset Allocation: Are Robo-Advisors Replacing Fund Managers?

The financial services industry is in the middle of a seismic shift — and at the heart of it lies Artificial Intelligence. Asset allocation, once an art practiced by seasoned portfolio managers in suits and conference rooms, is increasingly being handled by algorithms that can crunch terabytes of data in seconds. Robo-advisors, initially launched as […]

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ESG Beyond Greenwashing: Real Metrics, Transition Bonds, and Impact Measurement Tools

ESG — Environmental, Social, and Governance — has been the finance world’s favorite buzzword for over a decade. But somewhere between glossy sustainability reports and overproduced climate-friendly ads, investors started asking the hard question: Is this for real, or is it just greenwashing? Greenwashing — when companies exaggerate or fabricate their ESG credentials — has […]

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The Corporate Treasury Playbook: Hedging FX, Commodity, and Rate Risk in a Volatile World

Corporate treasuries are no longer just back-office departments managing cash flows. In today’s hyper-volatile global economy — where currency swings can wipe out margins, commodity spikes can derail budgets, and interest rate hikes can double financing costs — the treasury function has evolved into a strategic profit-protection unit. The reality? Volatility is now the default […]

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