Jinu J.

Well articulated, Harender. DPDP is no longer a legal checklist, it’s a business reality. It will be interesting to see how organisations respond and operationalise it.

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💡 RBI announces new rules for digital payment security The Reserve Bank of India (RBI) has issued new rules called the “Authentication Mechanisms for Digital Payment Transactions Directions, 2025.” These were released on September 25, 2025 to make online and digital payments in India even more secure. 🔹 What the new rules say ✅Every digital payment must have two layers of security — for example, a password and an OTP, or a fingerprint and a PIN. ✅At least one of these must be dynamic, meaning it changes with each transaction (like an OTP). ✅Banks and payment companies can now also use new technologies such as app-based or biometric verification instead of only SMS OTPs. ✅The rules allow extra security checks for high-value or unusual transactions. ✅By October 1, 2026, banks must also apply similar safety steps for certain international card payments. 📅 When it starts ✅April 1, 2026 – for payments within India ✅October 1, 2026 – for international card payments 🟢 This post is shared only to spread awareness and knowledge about RBI’s latest digital payment guidelines. #RBI #DigitalPayments #Banking #Fintech #Security #India #Awareness #Finance #Technology

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IndusInd Bank has appointed Ravi Kumar Pangal as Chief Information Officer (CIO), marking a significant leadership addition as the bank strengthens its technology foundation and accelerates digital transformation initiatives. In his new role, Ravi will lead the bank’s technology strategy, focusing on core banking modernisation, resilient IT operations, and scalable digital platforms to support business growth and innovation. The appointment reflects IndusInd Bank’s strategic emphasis on technology as a key enabler of customer experience, operational efficiency, and regulatory resilience. Ravi will play a critical role in advancing enterprise-wide digital transformation programs, strengthening cybersecurity and risk frameworks, and enabling future-ready IT capabilities aligned with long-term business objectives. Ravi Kumar Pangal brings over three decades of global technology leadership experience, with deep expertise in banking transformation, risk technology, large-scale program execution, and enterprise architecture. Prior to joining IndusInd Bank, he held senior CIO and transformation roles at HSBC, Standard Chartered, and ANZ, leading complex initiatives across core banking, retail products, and transformation portfolios. Ravi’s appointment positions IndusInd Bank to enhance digital agility and build a robust, future-ready IT ecosystem. #LeadershipAppointment #RaviKumarPangal #IndusIndBank #CIOAppointment #BankingTechnology #DigitalTransformation #ITLeadership

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India’s fintech ecosystem is maturing, but is the lack of regulatory clarity around neobanks continuing to hinder progress? Are banks hesitant to partner or extend licenses without clear RBI guidelines ? And is this uncertainty stifling innovation and funding ? Would a defined framework for neobanks unlock safer collaboration, capital flow, and faster innovation?

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Trillionloans Fintech, an NBFC firm majority‑owned by BharatPe, has named Sandeep Singh its new chief executive officer (CEO) as the firm gears up for an expansion of its digital credit business. Singh succeeds Sabyasachi Senapati, who is moving to a new leadership post at BharatPe Group but will stay on Trillionloans' board as a whole‑time director to ensure a smooth handover. Read the full story here:👇 https://lnkd.in/djiCbYvx #fintech #payments #nbfc #bharatpe #leadership #management #ceo #business #startup #indianstartupnews

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If you’ve ever wondered how a financial services firm can handle 500M+ monthly transactions for one of the world's largest payment systems like India's Unified Payments Interface (UPI) and how an innovative fintech firm like BharatPe can reliably and efficiently process over ₹12,000 crore (about US $1.368 billion) monthly across 450+ cities, read on to find out more ! At #MongoDBlocal Delhi, Sumit Malik, Head of Database Operations at BharatPE, shared how moving from self-hosted MongoDB Community edition to MongoDB Atlas helped them improve query speeds by 40% and handle all that traffic without extra operational headaches. Reading this firsthand really drove home how modern databases can make a real difference for fintechs—keeping payments fast, safe, and scalable. 👇 https://lnkd.in/giz3iWN7

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Digital transformation is not just about going paperless - it’s about putting people first. In this Leadership Talk, Shri R. Viswesvaran, MD & CEO of India Post Payments Bank, shares how tech enabled mobile- banking, real-time services, strong security, and inclusive assisted models are reshaping how India banks. From a 2-minute digital Account opening process to empowering customers in the most remote corners of the country, this is a conversation on building trust at scale - where technology enables reach, but people create impact. The future of banking is seamless, secure, and inclusive. Watch now and be part of India’s digital journey - https://lnkd.in/gQp6TWxT - Department of Posts, India Indian Banks`​ Association Viswesvaran R. Gursharan Rai Bansal Vishwanath Divya Jyotiraditya M Scindia #IPPB #AapkabankAapkedwaar #BankingatLastMile #IndiaPostPaymentsBank #leadershiplessons #leaders #leadershipjourney #leadershipskills #doorstepbanking

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Thank you nasscom for having me on stage at the SME Roadshow in Jaipur yesterday! 🚀 We dove deep into a challenge every SME tech founder faces: How do we effectively tap into large enterprise customers? My three big takeaways from the panel discussion: • Trust over Tech: Enterprises don't just buy technology; they buy reliability and long-term partnership. • Solve, Don't Sell: Focus on the specific "pain point" that keeps a CIO/ CTO up at night, rather than a broad feature list. • The Agility Edge: Small is the strength. SMEs can pivot and customize faster than any giant. Great to see the energy in the room. #Nasscom #SME #EnterpriseTech #Jaipur #DigitalTransformation #TechnologyLeaders #ITServices #CIO #CTO #CISO

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Treasury Systems Are the Most Underengineered Part of Most Banks When I opened the Treasury line of business at Inspirisys — I conducted a technology assessment across our bank client portfolio. The findings were consistent and concerning. Treasury systems in mid-size Indian banks were: → Running on technology 15 or more years past its original deployment → Dependent on manual reconciliation processes that ran overnight → Disconnected from core banking through file-based batch interfaces → Operated by treasury teams who had built deep knowledge of the workarounds required to compensate for the platform limitations These systems were managing: → FX positions and forward book → Money market placements and call money → Government securities portfolios → Interbank lending exposure The operational risk of running modern front-office treasury activity on legacy back-office settlement and reconciliation infrastructure is one of the most significant and underreported technology risks in banking. The failure mode is not dramatic. It does not announce itself. It accumulates as: → T+1 reconciliation breaks that get manually corrected → Settlement exceptions that become routine → Manual override entries that mask underlying system failures Until the volume or complexity exceeds what manual intervention can absorb. I have seen this inflection point approached. Treasury technology modernization deserves the same executive attention as core banking transformation. It carries equivalent risk — with significantly less visibility. #TreasuryManagement #BankingRisk #FinancialSystems #CoreBanking #OperationalRisk

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As digital payments mature in India, trust and user confidence are becoming central to long term adoption. BHIM Payments App has aligned with Mahendra Singh Dhoni, bringing together a widely trusted public figure with a platform built on national digital infrastructure. Lalitha Nataraj, Managing Director and Chief Executive Officer at NPCI BHIM Services Limited, noted that the focus is on strengthening user preference and sustained engagement. Mahendra Singh Dhoni emphasised the importance of simplicity and accessibility in driving everyday usage of digital payments. Read the full analysis on Prittle Prattle News. By Smruti Bhalerao. https://lnkd.in/dTkbPPnK

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Equity stands apart from every other asset class because it captures the story of human innovation and progress. In this clip of Simple Hai!, Ajit Menon, Senior Advisor, PGIM India Mutual Fund joins Vivek Law to break down why equity remains the ultimate wealth creator across generations. Watch the full episode: https://lnkd.in/ejYuNXQh #Finance #Investing #Equity #WealthCreation #AjitMenon #VivekLaw #StockMarket #Innovation #LongTermInvesting #HumanProgress

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