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Incumbents and Disruptors

The Incumbents and Disruptors Blog provides timely analysis on firms and products that disrupt the financial services industry and the response of incumbents.
Article

Initial Coin Offerings: Disruptor or Impostor?

In this report, Biasi and Chakravorti study the rapidly growing although extremely volatile initial coin offering (ICO) market. We identify which traditional markets are being disrupted by ICOs. We discuss the necessary infrastructure needed to...
Topic

Innovative Financial Products

The Innovative Financial Products topic covers new and creative financial products that enable positive financial transformation.

Topic

International

The International topic covers financial advances and research occurring around the world.

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Investing

The Investing topic covers research on the investing in financial services.

Article

Launch of Incumbents and Disruptors Blog

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 services. Technological advancements seem to...
Team

Lauren Moores, PhD

Lauren Moores is a serial startup data innovator, advisor and strategist.
Topic

Lending

The Lending topic covers research on credit markets.

Article

Linkages Between Consumer Payments and Credit

In this book chapter, Chakravorti considers linkages between consumer payments and credit. Payors, those that make payments, and payees, those that receive payments, choose among various payment instruments based on their preferences toward convenience, risk...
Team

Lucia Dettori, PhD

Lucia Dettori is a professor and associate dean in the College of Computing and Digital Media at DePaul University in Chicago.
Article

Managing Cross-Border Settlement Risk: The Case of Mexican ADRS

The Mexican securities clearance and settlement system is ahead of many markets in terms of having one of the shortest settlement periods. However, cross-border transactions—such as those involving American Depositary Receipts—have tended to be associated...
Topic

Market Trends

The Market Trends topic covers research on market developments and trends in the financial services industry.

Article

Mexican Payment System Reforms

Chakravorti investigates payments system reforms begun by the Bank of Mexico in 1994. The goals of these reforms are to reduce the amount of uncollateralized intraday credit extended by the Bank of Mexico (previously unlimited)...
Topic

MSME

The Micro, Small, and Medium Enterprise (MSME) topic covers research in the area of MSME's access to financial products.

Article

My Reflections on Money 20/20

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 regretted not going. This year’s...

National Institute of Bank Management

We invited Bob to conduct three workshops at the National Institute of Bank Management in Pune, India on the state of FinTech globally, cryptocurrencies and digital lending to SMEs during our training program for senior managers at financial institutions in December 2019. Bob brought an international perspective regarding the application and implementation of innovative solutions to increase access to financial products to previously underserved market segments. He also provided insights for the Indian market. His workshops were highly praised by participants. We would highly recommend him as an engaging presenter to those that are looking for insightful analysis of the FinTech industry and its impact on financial markets and the economy more broadly.
- Deepankar Roy, Assistant Professor
Article

New Payment Technologies: Back to Basics

A core function of any banking system is the provision of payments. However, a greater number of non-banks are becoming part of the payments landscape. Payments can be made via fiat or crypto currencies, bank...
News

News

Recent activities of Chakra Advisors LLC are covered here.
Article

Payment Instrument Choice: The Case of Prepaid Cards

In this article, Chakravorti and Lubasi conclude that prepaid applications potentially provide a more cost-effective means to transfer funds when: 1) recipients of funds do not have transactions accounts; 2) disbursers of funds do not...
Topic

Payments

The Payments topic covers research in the area of all types of payments from consumer, business, government, interbank, cross border, and others.

Article

Platform Competition In Two-Sided Markets: The Case Of Payment Networks

Chakravorti and Roson construct a model to study competing payment networks, where networks offer differentiated products in terms of benefits to consumers and merchants. We study market equilibria for a variety of market structures: duopolistic...
Topic

Policy and Regulation

The Policy and Regulation topic covers existing and future policy and regulation of financial markets.

Article

Pricing in Retail Payment Systems: A Public Policy Perspective on Pricing of Payment Cards

The provision of retail payment services is complex with many participants engaging in a series of interrelated bilateral transactions and subject to large economies of scale and scope along with strong adoption, usage and network...
Topic

Product Analyses

The Product Analyses topic covers research in new financial products.

Article

Professors Carbo and Rodriguez along with Bob Chakravorti Advising World Bank

Professors Santiago Carbo Valverde and Francisco Rodriguez Fernandez, members of Chakra Advisors’ Advisory Board, and Bob are advising the World Bank Group. They are part of a team of consultants studying how incentives impact the...