Sandeep Sharma

At FIBAC 2025, Shaleen Srivastava, General Manager - Head of Strategy, DA, and Partnerships at Experian India, led an insightful session on "Next Gen Tech – Building Stable Foundations for a Vibrant Banking Industry." The session explored the dual challenge faced by India’s banking sector – integrating legacy systems with the accelerating pace of emerging technologies like Gen AI and decentralised platforms. It highlighted the critical importance of digital transformation, not just for survival but for scalability, innovation, and leadership in an ever-evolving financial ecosystem. As India’s banking sector moves toward the next phase of growth, the need for adaptable, future-ready systems is paramount. The conversation underscored the importance of aligning digital ambition with operational stability to navigate the complexities of today’s financial landscape. FICCI #ExperianIndia #FIBAC2025 #BankingInnovation #DigitalTransformation #FutureOfBanking #ExperianEvents

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Business NextGen Finance Private Limited (BNF) has appointed Siddharth Saxena as its Chief Technology Officer. In this role, he will be spearheading the company’s technology strategy, driving innovation, and building scalable digital solutions to support BNF’s financial services ecosystem. With strong expertise in technology leadership and digital transformation, Siddharth brings valuable experience in designing and executing tech-driven strategies. His appointment reflects BNF’s commitment to strengthening its technology framework and positioning itself as a leader in next-generation financial solutions. #LeadershipUpdate #CTO #CareerMilestone #TechnologyLeadership #BNF #DigitalTransformation #HRAssociationOfIndia

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Met with industry leader Sameer Karwal today—what a fantastic conversation! We explored how the Indian lending space is undergoing a dramatic transformation: from the old days of traditional Sahukari to the present wave of digital lending platforms. Key insights from our discussion: - The system-level Gross NPA (GNPA) ratio dropped to 2.3% as of June 2025—its lowest point in 15 years! - Total bad loans in the banking sector fell by 9.5% year-on-year to ₹4.18 lakh crore as of Q1FY26. - Even as private sector banks faced a 7.6% rise in bad loans due to microfinance pressures, overall asset quality metrics have significantly improved. Digital innovation is driving efficiency and inclusion, helping to clean up legacy issues and deliver faster, fairer credit to millions across India. The pace of change is truly remarkable! 𝐈𝐧𝐭𝐞𝐫𝐞𝐬𝐭𝐞𝐝 𝐢𝐧 𝐭𝐡𝐞 𝐞𝐯𝐨𝐥𝐮𝐭𝐢𝐨𝐧 𝐨𝐟 𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐢𝐧 𝐈𝐧𝐝𝐢𝐚? Explore our book, “Sahukari to Digital Lending,” for an insightful journey from traditional moneylenders to modern digital lending platforms. Discover how India’s financial landscape has changed over time—get your copy today to learn more about its past, present, and future! https://amzn.in/d/4EbQch2 NBFC Advisor GenZCFO #DigitalIndia #LendingRevolution #BankingTransformation #NBFClicense #NBFCRegistration #CORcancilation #FinancialInclusion #RBI #India #YouthEmpowerment #Innovation #CreditAccess #Fintech #YouthFinance #IndiaEconomy #DigitalLending #CreditAwareness

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At #ETWLF2025, the fireside chat “The Battle for the Last Click: Payments in a Platform Age” with Rajat Taneja, President – Technology, @Visa, revealed how payments are evolving into the ultimate driver of trust and growth in the digital economy. Key takeaways: Digital Payments Landscape – India is still 50–55% cash-based with only 110M credit cards. The opportunity is massive, and the goal is not competition but collaboration to electronify payments. Future of Credentials – Cards are becoming tokenized, flexible identities—with a vision of one secure credential that works across platforms. Biometrics and one-click checkouts will redefine convenience beyond OTPs. AI’s Role – From fraud management since 1993 to Generative AI-powered personalization, AI is shaping payments. The focus: creating AI-ready credentials with privacy and transparency at the core. India as an Innovation Hub – Visa’s largest R&D center is in India. Many breakthroughs, including flex credentials, were born here—driven by world-class talent and a culture of innovation. Future of E-commerce – Expect hyper-personalized shopping, simplified discovery-to-purchase journeys, and platforms where trust, compliance, and seamless experiences converge. Takeaway: In the platform age, the last click is not just a transaction—it is the moment of truth where consumer trust, technology, and growth intersect. #ETWLF2025 #DigitalPayments #Fintech #PlatformEconomy #AI #FutureOfCommerce #Visa #Innovation #Ecommerce

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