Information Technology

<h2 style="text-align: justify;"><span style="font-size: 12pt;">Q1. Could you start by giving us a brief overview of your professional background, particularly focusing on your expertise in the industry?</span></h2><p style="text-align: justify;">I am a business leader with 20+ years of global experience in the BFSI sector. I have successfully led digital transformation initiatives across 70+ organizations in 20+ countries. My expertise spans delivery, managed services, customer engagement, and product engineering across diverse financial institutions and geographies.</p><p style="text-align: justify;">In my previous stint, I incubated a high-growth SaaS offering from the ground up, achieving 125%+ YoY growth. I also led teams of 200+ professionals to deliver measurable improvements in program performance and customer satisfaction. I have facilitated strategic partnerships across channels, cloud, and implementation services, driving innovation and value at every level.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q2. Which technology segments within the BFSI sector are experiencing the fastest growth, and what are the key drivers behind this growth?</span></h2><p style="text-align: justify;">Within the BFSI sector, I believe the fastest-growing technology segments are:</p><ul style="text-align: justify;"><li>Digital Lending Platforms as PaaS</li><li>Core banking Modernization as BaaS &amp; Cloud Banking</li><li>AI &amp; Data Analytics across all verticals like Sales, Operations and Customer Experience</li><li>Fraud Prevention Solutions</li></ul><p style="text-align: justify;">I believe, these segments are being propelled by a combination of technological advancements, shifting consumer expectations, competitive pressures, and evolving regulatory landscapes &mdash; all these are pushing the BFSI sector for further digitization, agility, faster GTM and innovative solutions.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q3. What types of partnership models are most effective in the BaaS space, and how do they contribute to mutual growth? Give some examples</span></h2><p style="text-align: justify;">Strategic partnerships are central to value creation in the banking-as-a-service (BaaS) ecosystem. Effective partnership models enable agility, faster GTM, compliance, scalability, and the extension of Banks' and NFBCs' customer bases. By combining regulatory know-how, digital agility, and distribution strength, these collaborations foster innovation while creating win-win growth opportunities for all stakeholders.</p><p style="text-align: justify;">A few examples: Bank-FinTech Collaborations, PaaS Providers, Channel and Implementation Partnerships, etc.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q4. What future trends are anticipated in the development of collaborative lending models?</span></h2><p style="text-align: justify;">I strongly believe that collaborative lending models like marketplace lending, aggregators, co-lending, and embedded credit are undergoing a transformative evolution that is mostly driven by strategic partnerships, evolving technologies and trends, and regulatory compliances.</p><p style="text-align: justify;">As these models continue to mature, they are expected to play a critical role in closing credit gaps, covering the vast majority of customers who were initially unreachable or not qualified for lending, delivering more personalized lending experiences, and fostering scalable, inclusive financial ecosystems on a global scale.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q5. What is the current market size of sustainable finance and ESG investments globally and in key regions?</span></h2><p style="text-align: justify;">As of 2024, the global sustainable finance market is valued at approx. 6.7 trillion USD, while ESG investments have reached around 29.9 trillion USD, with projections to grow significantly over the next decade and majorly in:</p><ul style="text-align: justify;"><li>Europe leads globally due to strong regulations and investor focus</li><li>North America shows strong ESG growth, primarily through political influence</li><li>Asia-Pacific, majorly India, is emerging as a key market for multiple reasons</li></ul><p style="text-align: justify;">The sector is expected to continue growing, driven by regulation, investor demand, and a focus on global sustainability goals.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q6. What new ESG-focused financial products are being developed, and what innovations are driving their creation?</span></h2><p style="text-align: justify;">Few ESG-focused financial products are emerging, driven by innovation and regulatory support. Majorly in line with:</p><p style="text-align: justify;"><strong>Sustainability-Linked Bonds (SLBs)</strong>: Bonds with interest rates tied to ESG performance targets.</p><p style="text-align: justify;"><strong>ESG-Themed Credit Risk Transfers</strong>: Instruments that fund green and social projects while managing credit risk.</p><p style="text-align: justify;"><strong>New ESG Mutual Fund Categories (India)</strong>: SEBI is currently focused on ESG and has introduced six structured ESG fund types.</p><p style="text-align: justify;"><strong>EU Fund Categorization Overhaul</strong>: A proposed three-tier system (Sustainable, Transition, ESG Collection) aims to improve clarity and investor trust.</p><p style="text-align: justify;">&nbsp;</p><h2 style="text-align: justify;"><span style="font-size: 12pt;">Q7. If you were an investor looking at companies within the space, what critical question would you pose to their senior management?</span></h2><p style="text-align: justify;">As an investor, I would assess the domain expertise and functional background of the leadership team. In today&rsquo;s landscape, where many technological capabilities are increasingly automated or commoditized, it is the depth of industry knowledge and strategic clarity that truly differentiate high-potential ventures.</p><p style="text-align: justify;">Additionally, I would closely evaluate the startup&rsquo;s focus on its market segment, ensuring a clear, scalable opportunity with a well-defined customer base. Alignment between domain strength, functional expertise, and market relevance is essential for long-term success.</p><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;">&nbsp;</p><p style="text-align: justify;">&nbsp;</p>