In this blog, Chakravorti explores the role of retail central bank digital currencies (CBDCs) and their impact on payments and banking, more fundamentally. CBDCs are digital representations of fiat currencies...

In this blog, Chakravorti discusses the roles for stablecoins and their ability to increase the use of cryptocurrencies for both payments and DeFi applications. He also discusses different ways to...

Although Anil Aggarwal had personally invited me back in 2012 to Money20/20, I only made it to the conference this year. Catching up with attendees after past conferences, I always...

Generally, cross-border fund transfers occur over proprietary platforms requiring multiple intermediaries including banks. How do we provide payment mechanisms to the greater than 1.7 billion people without access to bank-intermediated...

Advancements in computing and mobile technologies have provided the impetus to create new payment mechanisms. Furthermore, non-bank providers, e.g. Venmo and WeChat Pay, social media WeChat’s payments arm, play an...

Initial coin offerings (ICOs) have the potential to dramatically change how firms raise funds enabling less costly, more transparent, more accessible, and faster access to capital. The total amount of...

Recent headlines like: “Bitcoin Mania: Even Grandma Wants In on the Action” and “When Grandma and Grandpa Join the Frenzy, You Know Bitcoin Is Turning into a Bubble,” suggest that...

FinTech or financial technology has become an industry of great interest for investors, financial service professionals, consumers, businesses, and policymakers. From 2012 to 2017 Q2, VC-backed FinTech firms raised $50...

On the Incumbents and Disruptors Blog, guest bloggers and I will discuss how new entrants are challenging incumbents to improve customer service, convenience, safety, and access to financial products and...