Omnispay: Why friction isn't always bad for payments

Every transaction is more than data moving through systems. It’s a business owner keeping their doors open, a customer buying essentials, or a family investing in their future. That’s why purpose-led innovation matters. When technology is guided by meaning, fintech can do more than process payments — it can fuel growth, protect livelihoods, and create lasting impact. 🔗 Full article on Efficacy News: https://lnkd.in/ddc5cFTP #FinTech #PurposeDriven #Innovation #Payments #Leadership

In the financial industry, innovation isn't just a buzzword. It's a necessity to win in the evolving landscape. With customer expectations shifting and competition accelerating, banks and credit unions that hesitate are usually the ones that get left behind. Why is it critical to prioritize innovation? ➡️ Fintechs and neobanks are moving fast to redefine the customer/member experience. ➡️ Loyalty is shifting towards institutions that meet customer/member needs. ➡️ New, diversified revenue growth beyond traditional lending is becoming more important. The question isn't whether to innovate. It's how can you innovate existing products, with minimal disruption?

4 fintech ideas bound to fail and 4 ideas that could work, fresh off Global Fintech Fest 2025: From the Global Fintech Fest, a clear insight: fintech in 2025 is super competitive (for a while now), over-engineered, and now a mature (almost late-stage) regulated space in India. 4 fintech ideas that will struggle in 2025 (high CAC, low investor interest): 1) Next UPI payments app 2) Next online DSA for lending 3) Next insuretech aggregator 4) Next stock broker in wealthtech 4 fintech ideas with real potential: 1. A horizontal play for a highly targeted community Jain samuday and Parsis communities show how cohesive engagement builds wealth. Think along the solutions catering to armed forces only e.g. USAA-for-India or financial services designed specifically for female shopkeepers. Cohesion can drive natural distribution, up-selling, and virality. 2. AI services x fintech Instead of building yet another product, offer cutting-edge AI consulting services to BFSI and fintech firms. Stay on the frontier of voice AI, agentic systems, or identity management. The insights gained can later evolve into standalone products with ready buyers. 3. B2B2B middleware & orchestration Creating value at coordination layers that connect BFSI with BFSI or BFSI with non-BFSI businesses. The opportunity lies in embedding financial offerings like savings, wealth, or lending directly into non-traditional or unexplored contexts. Catering to customer use-cases at the critical points of decisioning. 4. Regulatory-Anticipatory Development (RAD) A smart path in India is to anticipate regulatory trends from RBI or SEBI and build ahead of them. If regulation later validates your approach, you gain momentum instead of friction. Tokenized infrastructure or fraud-management rails for banks are two examples. Views personal. BOCTAOE.

The real fintech revolution isn't just in the metros. It’s in the villages and small towns where a 'next billion' users are coming online. But this presents unique challenges. You can't just copy a Western digital banking model. You need to understand local customs, build trust, and create a user experience that works on low-end devices and spotty internet. It requires a new kind of marketing and a new kind of product. This is where innovation will truly make an impact. #FintechIndia #DigitalBanking #FinancialInclusion #EmergingMarkets #Marketing

While Fintech’s have already transformed the Indian financial ecosystem, the next wave of innovation is likely to bring deeper integration, personalization, and inclusivity. Here are the key changes we can anticipate. Any thoughts? 1. Hyper-Personalized Financial Services AI and data analytics will enable Fintech’s to offer tailored financial products—customized loans, insurance, and investment plans—based on individual behavior, spending patterns, and life goals. 2. Wider Adoption of Embedded Finance Financial services will be seamlessly integrated into non-financial platforms (e.g., lending via e-commerce apps, insurance through ride-hailing services, etc), making transactions more convenient and contextual. 3. Stronger Role in MSME Financing Fintech’s will play a bigger role in solving credit access challenges for MSMEs, using alternate data, invoice financing, and supply chain finance models to bridge the funding gap. 4. Expansion into Tier 2/3/4 Cities and Rural Areas As smartphone penetration grows, Fintech's will double down on reaching semi-urban and rural users, supported by vernacular interfaces, voice-based apps, and offline-to-online onboarding models. 5. RegTech and Compliance Automation With increasing regulations, Fintech’s will adopt RegTech to automate compliance, fraud detection, and real-time reporting, improving governance and trust.

“The Power of Merchant-Centric Innovation” In payments, innovation isn’t about flashy technology — it’s about solving real merchant problems. BOXCHARGE is built around one simple idea: put the merchant first. Every feature, every integration, every update we launch begins with a question — “Will this make our merchants’ lives easier?” From API-first architecture to intuitive dashboards and detailed analytics, every layer of BOXCHARGE is designed to give merchants control, clarity, and confidence. We listen to feedback, study industry shifts, and adapt faster than legacy systems can even react. That’s why BOXCHARGE isn’t just a payment gateway — it’s your growth ally. Our clients range from startups to established global enterprises, and what unites them is their need for reliability and adaptability. We deliver both — ensuring zero downtime, instant onboarding, and 24/7 merchant support. Because in digital payments, innovation without dependability is just noise. BOXCHARGE stands for the next generation of fintech — merchant-centric, transparent, and relentlessly innovative.

𝗕𝗮𝗻𝗸𝘀, 𝗡𝗕𝗙𝗖𝘀, 𝗮𝗻𝗱 𝗳𝗶𝗻𝘁𝗲𝗰𝗵𝘀 𝗮𝗿𝗲 𝗮𝗹𝗹 𝗿𝗮𝗰𝗶𝗻𝗴 𝘁𝗼𝘄𝗮𝗿𝗱 𝘁𝗵𝗲 𝘀𝗮𝗺𝗲 𝗰𝗵𝗮𝗹𝗹𝗲𝗻𝗴𝗲: 𝗵𝗼𝘄 𝗱𝗼 𝘄𝗲 𝗱𝗿𝗶𝘃𝗲 𝗴𝗿𝗼𝘄𝘁𝗵 𝘄𝗵𝗶𝗹𝗲 𝗿𝗲𝗱𝘂𝗰𝗶𝗻𝗴 𝗿𝗶𝘀𝗸 𝗶𝗻 𝗮 𝘃𝗼𝗹𝗮𝘁𝗶𝗹𝗲 𝗹𝗲𝗻𝗱𝗶𝗻𝗴 𝗲𝗰𝗼𝘀𝘆𝘀𝘁𝗲𝗺? Traditional models are no longer enough. Rising NPAs, operational inefficiencies, and evolving customer expectations demand a smarter, AI-driven approach. At 𝗟𝗲𝗻𝗱𝗸𝗿𝗮𝗳𝘁, we’re seeing three clear shifts shaping the future of financial services: 1️⃣ 𝗔𝗜-𝗹𝗲𝗱 𝗿𝗲𝗰𝗼𝘃𝗲𝗿𝘆 & 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻𝘀 – Conversational AI is reducing cost per interaction by up to 60% while improving repayment rates. 2️⃣ 𝗛𝘆𝗽𝗲𝗿-𝗽𝗲𝗿𝘀𝗼𝗻𝗮𝗹𝗶𝘇𝗲𝗱 𝗲𝗻𝗴𝗮𝗴𝗲𝗺𝗲𝗻𝘁 – Borrowers expect the same ease as e-commerce; tailored communication is no longer optional. 3️⃣ 𝗦𝗰𝗮𝗹𝗮𝗯𝗹𝗲 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 & 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 – With regulatory frameworks tightening, automation ensures compliance without slowing growth. 👉 The takeaway: 𝗕𝗮𝗻𝗸𝘀, 𝗡𝗕𝗙𝗖𝘀, 𝗮𝗻𝗱 𝗳𝗶𝗻𝘁𝗲𝗰𝗵𝘀 𝘁𝗵𝗮𝘁 𝗲𝗺𝗯𝗲𝗱 𝗔𝗜 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲𝗶𝗿 𝗰𝗿𝗲𝗱𝗶𝘁 𝗮𝗻𝗱 𝗰𝗼𝗹𝗹𝗲𝗰𝘁𝗶𝗼𝗻 𝘄𝗼𝗿𝗸𝗳𝗹𝗼𝘄𝘀 𝘄𝗶𝗹𝗹 𝗹𝗲𝗮𝗱 𝘁𝗵𝗲 𝗻𝗲𝘅𝘁 𝗴𝗿𝗼𝘄𝘁𝗵 𝘄𝗮𝘃𝗲. 💡 At 𝗟𝗲𝗻𝗱𝗸𝗿𝗮𝗳𝘁, we’re enabling this transformation today. Curious how AI can reshape your portfolio performance? Let’s start a conversation. Venkatesh A | Gokul Shakthi | Preethi John #AI #Fintech #NBFC #BankingInnovation #Lendkraft #DebtManagement #Collections #BFSI #FinancialServices #DebtRecovery #Innovation #Lendkraft #AIDebtRecovery #FintechInnovation #FutureOfFinance #DataDriven #DigitalTransformation #DebtCollection #SmartCollections #BANK #BankingAI #LoanRecovery #DataDrivenCollections #CreditRisk #LendkraftAI

Payments are no longer a back-office task, they are a strategic growth driver. At Ottu, we believe the future of fintech lies in seamless, intelligent payment orchestration that empowers businesses to grow faster, smarter, and more securely. Here are the key trends shaping the fintech landscape in 2025, and how Ottu is contributing to this transformation: ⸻ Fintech Trends to Watch in 2025 1. Embedded Finance Non-financial platforms are increasingly integrating payments, lending, and insurance directly into their products, creating seamless customer experiences. 2. Payment Orchestration Businesses are shifting from single gateways to multi-acquirer orchestration, ensuring higher transaction success rates, lower costs, and greater operational flexibility. 3. Real-Time and Cross-Border Payments Instant, borderless payments are redefining how businesses manage liquidity, settlements, and customer satisfaction. 4. Data-Driven User Experience Analytics, intelligent routing, and personalized payment journeys are becoming essential to maintaining conversion and retention rates. 5. Trust and Compliance In a world of increasing digital risk, the fintechs that succeed are those that prioritize transparency, regulatory compliance, and customer protection. ⸻ How Ottu Enables This Evolution • Unified API: Simplifies integration by connecting multiple acquirers and gateways through one robust system. • Smart Routing and Resilience: Optimizes approval rates and ensures business continuity. • Bank-Grade Security: Incorporates tokenization, advanced fraud detection, and strict compliance standards. • Strategic Partnerships: Collaborates with leading institutions such as SAB Bank, Edunation, and Keyloop to enhance digital payment experiences across industries. ⸻ The global fintech ecosystem is expected to exceed USD 1.5 trillion in annual revenue by 2030, driven by innovation, data intelligence, and cross-sector collaboration. At Ottu, we are proud to be part of this evolution, supporting banks, merchants, and fintech innovators with technology that transforms payments into opportunities for growth. Let’s shape the future of payments together. #Fintech #Payments #Ottu #DigitalTransformation #PaymentOrchestration #EmbeddedFinance #MENA #Innovation #FinancialTechnology #BusinessGrowth

Innovation is the heartbeat of BD Computing Limited Every day, we challenge ourselves to build solutions that don’t just keep up with change — they drive it. From insurtech to payments, e-commerce to communication, our innovations are transforming how businesses and communities operate. Some of the exciting solutions we’re working on: BimaTrust – An insurance workspace simplifying underwriting, claims, and premium collections. Coonect – A unified corporate communication platform integrating WhatsApp, SMS, and USSD. GRMS – A grievance redress system for governments, enabling transparency and accountability. Malipo Payments – A seamless aggregator for mobile money, card payments, and settlements. Pedea E-Commerce – Powering multi-vendor retail, fuel delivery, fleet, and EV charging management. We are also leveraging AI and automation to reduce manual bottlenecks, boost efficiency, and unlock smarter decisions for businesses. At BD Computing Limited, we believe technology should be more than tools — it should be a force for growth, trust, and impact. #Innovation #TechForGood #DigitalTransformation #BDComputing

I used to think FinTech was mostly about convenience. After starting an Introduction to FinTech course, I’ve realized it can have far-reaching effects beyond just making life easier. This industry can actually help marginalized individuals access basic banking services right from a mobile device, opening doors that may have been closed before. I also learned that FinTech facilitates peer-to-peer (P2P) lending, supporting those who might not qualify for traditional bank loans. It's eye-opening to see how this innovative tech can do more than make our lives easy- it can completely change its trajectory. FinTech can ensure that someone's current financial circumstances don’t have to limit their future financial growth. The more I learn about the critical role that this space has in our world, the more curious I become about the algorithms that make it work. What’s a technology you’ve learned about recently that changed how you see its impact on the world?