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Banking & FinTech Operations Laid Threadbare: Balaji T.K. (CTO - Inditrade Scalerator)

In this edition of The Wiser Talk, Balaji T.K. (CTO - Inditrade Scalerator) discusses the operational aspects of Banks and FinTech companies. At the time of this conversation, he was the CIO of Orange Retail Finance .

While the term FinTech has clearly caught the imagination of the wider audience in the country, there are still a number of aspects that deem further insights.

Some of these are mentioned below:

  • How do banks differentiate and provide services such as debit cards, credit cards, and so on? How are these different from a banking operations point of view?

  • How is the credit card platform, & payment ecosystem structured in the country?

  • How does the FinTech ecosystem collaborate and work in tandem with the Banks?

  • What role does RBI play in this ecosystem? How does RBI regulate/direct digital infrastructure?

  • Does it have the mandate and wherewithal (in terms of resources) to regulate, supervise, and direct digital infrastructure in the financial services space?


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