Madhavi Joshi

In today’s dynamic financial landscape, the symbiotic relationship between technology and banking has paved the way for transformative shifts in customer interactions and services. As the traditional paradigm of banking evolves, a diverse array of trends is shaping the industry’s trajectory. From harnessing the power of conversational interfaces to open banking’s impact on customer experience, …

Embracing the Future: How Technology Trends are Shaping the Banking Industry Read More »

Corporate banking is undergoing significant changes as the business world continues to evolve. The banking industry is not immune to these changes, and as a result, corporate banks are changing the way they operate to keep up with the times.  The following five trends are currently shaping the future of corporate banking : 1. Life Cycle Banking and …

5 Trends in Corporate Banking in 2023 Read More »

There is a great deal of transformation happening in the banking industry. With the advent of innovative technologies, Fintech’s and technology companies providing banking services, competition in the banking space has increased multi-fold. Now even the non-banking companies have started providing financial services for e.g., WhatsApp started providing payments, Apple has its own wallet eating …

The Advent of the Super App in Banking – How should Banks approach it? Read More »

Why is a roadmap or plan important? What does it mean to have a roadmap? In today’s digital landscape banks must stay competitive and relevant with their digital properties. Consumers today are accustomed to ecommerce apps and expect their banks to provide new and innovative features with seamless UX. Many a times banks question the …

Designing a Successful Digital Roadmap to Meet Business Objectives Read More »

Since their inception , Small Finance Banks (SFBs) have been primed as a vital cog for the last mile credit and service delivery for the MSMEs, farmers, and unorganized sector units, helping to bridge the $240 billion credit gap for the underserved segment. These Small Finance Banks have a robust base of borrowers with small credit needs. The …

Small Finance Banks – The quest for technology-led differentiation Read More »

Over the last several years, globally, banks are working to reduce their brick-and-mortar footprint, primarily in the reduction of full-service branches. One recent report anticipates the closure of 11,000 branches by 2030, or around 18% of the existing physical banking presence. Similar reports show that this is an increasing trend in many markets globally. However, …

Digital Onboarding – Creating a Great First Impression Read More »

The Covid pandemic has only validated the need for robust digital capabilities across all industries. Banks have not been immune from the demand of customers to manage their banking relationships using digital channels; especially when it comes to banking transactions and payments using the mobile phone. This accelerated adoption has identified gaps and weaknesses that banks need to address to meet these demands. …

Retail Banking Series, Part 1: Digital Trends Shaping Retail Banking in 2021 Read More »

Industry landscape  Advanced technologies such as blockchain and artificial intelligence (AI), the emphasis on the platformification in banking, and the increasing demand for hyper-personalization from digital-savvy millennials have changed the industry landscape. According to Deloitte, banks must react quickly and transform boldly to be successful in this evolving landscape. The accelerated speed of technological innovation has given …

Retail Banking Series, Part 2: The Industry Landscape and The Rise of Digital Banks Read More »