Arundhati Ramanathan

Staff writer - Fintech • India Edition

Arundhati is Bengaluru-based. She is interested in how people use money in the digital age and how new economies will take shape based on that interaction. She has spent over 10 years reporting and writing on various subjects. Previous stints were at Mint, Outlook Business and Reuters.

128 Articles published

Top Comments by Arundhati Ramanathan

Paytm grasps at financial services straws to stop its slide

Thanks for reading, Prashant. As our in-house investment expert Nithin Sasikumar says, ETFs have a couple of problems - 1. you need a demat account that everyone does not have so it's not as easy to buy an ETF, so the reach is lower. 2. ETFs are still at very nascent stages. So there is no liquidity even for the more popular ones that the EPFO also invests in. For example, when the market crashed during March, on days that the market was negative, some ETFs were positive because of the issues of liquidity. A retail investor will not understand this and end up on the losing side. This is for India in today's environment. Hope this helps?

Arundhati Ramanathan

The 32-year-old who wants to bring down the edifice of India’s fintech revolution

Thanks Ateesh. I'll admit that thought crossed my mind when I looked at it. But the basis for his questions are very valid. That's why I picked up this story. The relationship between RBI and NPCI is not clear even after all thes years. it is not just a legal question, but as the economist pointed out if NPCI can take the role of a state agency where it exercises limiting market share, how many users a company can roll out its service to, etc, that is the work of a regulator. If NPCI is not a regulator but acts like one, the implications for the sector are different. It may seem like a legal quibble, but IMHO, it decides the fate of companies and competitve landscape.

Arundhati Ramanathan

Indian fintech’s most wanted: The elusive BillDesk acquisition

Thanks for your PoV, Srikanth. NUE is an interesting development. We don't know who will end up running it, and a lot depends on that IMHO. No doubt, BillDesk and Vasu and his team have the headroom to grow. As a source, I spoke to for the story said, payments is more about evolving than disruption. As for the ageism remark, unless the founders are not in their 50s, not sure what is incorrect. The early 50s remark was to qualify the quote that they have been doing this for 20 years. Was only stating a fact. Nowhere did we insinuate the founders are unfit to run their startups.

Arundhati Ramanathan

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