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Kaustuv Ghosh

Embedding Climate Resilience Into Credit Origination Models for Small Businesses in Southeast Asia

The MSME credit gap in ASEAN remains considerable. But MSMEs may be facing a new enemy. The threat lies in weather patterns and whether we can succeed in keeping the temperature rise at acceptable lev...

15 May 2024
Asia Financial Services
Kaustuv Ghosh

Banking At The Merchant-A Global South Perspective

Introduction I am inspired by the writings of my peers. Alex Johnson’s most recent blog post (https://fintechtakes.com/articles/2024-05-03/merchants-future/) is very detailed, well-informed and a p

07 May 2024
Asia Financial Services
Kaustuv Ghosh

Uncertainty On The Weather Front-The New Frontier For Financial Services

Let us agree that the weather is important for financial services. How prepared are we for long-term, continuous changes in it's patterns as well as near-term instability? How should financial insti

26 Apr 2024
Banking Strategy, Digital and Transformation
Kaustuv Ghosh

Credit Opportunities And Near Misses

A journey past a credit card sales counter is painful. The collateral on display is attractive, the offers very tempting. Take a holiday! Get a premium piece of luggage! Find discounts on everything

29 Mar 2024
Asia Financial Services
Kaustuv Ghosh

An Open Season- Super-Apps in the age of open banking

Having traveled through Malaysia recently, I made heavy use of Grab. In Singapore, it is not necessary, of course. We travel by public transport and leg it when we want to eat out. But it is a boon to...

25 Mar 2024
Asia Financial Services
Kaustuv Ghosh

Open Banking In The Global South

Open Banking is under continuous discussion and implementation in OECD and European markets. This post provides a brief operator view from the Global South, a region of massive opportunity and diver...

19 Mar 2024
Banking Strategy, Digital and Transformation

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