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Introduction: A Global Push to Fix Cross-Border Payments Cross-border payments have long been criticized for being: Slow Expensive Fragmented Dependent on multiple intermediaries To address this, the G20 introduced a global roadmap to improve cross-border payments. This initiative is not just a financial reform agenda. It is a strategic opportunity for countries like India to […]

Introduction: ESG Is No Longer Optional Environmental, Social, and Governance (ESG) reporting has moved from a voluntary corporate practice to a core regulatory expectation in India’s financial sector. Banks, NBFCs, and FinTech companies are now increasingly expected to disclose: Environmental impact Social responsibility metrics Governance structures and risk controls This shift reflects a broader transformation

Introduction: A Legacy System in a Digital World Cross-border payments are evolving rapidly, driven by real-time digital infrastructure and FinTech innovation. Yet, behind all modern innovation lies a legacy system that still powers global finance: Correspondent banking. Even as India builds faster payment networks, correspondent banking remains a critical layer in international money movement. The

Introduction: The Future of Cross-Border Payments Is Multi-Rail Global payments are no longer dependent on a single system. Today, three major rails are shaping international transactions: SWIFT (traditional banking network) Blockchain (decentralized ledger systems) UPI (real-time domestic payments expanding globally) India’s financial ecosystem is increasingly evaluating which rail works best for different use cases. The

Introduction: Asia Is Moving Toward a Unified Payment Layer The global financial system is shifting from fragmented national rails to interconnected real-time payment networks. Nowhere is this transformation more visible than in Asia. By 2030, ASEAN countries are expected to move toward deeper integration of instant payment systems—and India is uniquely positioned to lead this