<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/marketing-cms/m2p-blog/2025/11/2-5.webp" alt="Applications with AI" title="" id="2ovshdien" width="100%" height="255">Most developers build apps to solve problems. But what if your app could anticipate them?&nbsp; That’s the promise of AI-first development. While the idea may seem daunting, getting started can be as straightforward as experimenting with proof of concept, one that challenges conventional software-building approaches.&nbsp; Let’s explore how this transformative approach works.&nbsp;<h2 class="heading-node" id="wju5vq4px" style="text-align: justify">A Simple Proof of Concept Changes Everything&nbsp;</h2>A recent development effort has sparked a profound shift in perspective on modern application development. The outcome is a simple banking application serving as proof of Concept (POC) not a production-ready system, but one that operates in a fundamentally different way from traditional applications.&nbsp;Instead of navigating through complex menus just to check transactions, users can simply ask for what they need. Instead of filling out multiple fields to transfer money, they just express their intent naturally. This app goes beyond merely responding; it autonomously performs tasks, navigates interfaces, updates settings, and formats data exactly as requested.&nbsp;This level of responsiveness is powered by a compact, 1-billion parameter Large Language Model (LLM) running entirely on the device. No cloud dependency. No latency. Just real-time intelligence embedded within a minimal Flutter app.&nbsp;<h2 class="heading-node" id="5i57cc3a7" style="text-align: justify">The Convergence Driving AI Adoption&nbsp;</h2>Multiple industry forces are reshaping mobile experiences. Breakthroughs in device hardware, rising demand for hyper-personalization, and platform-level AI integration are converging to accelerate the shift toward AI-first development.&nbsp;<ul class="list-node" id="w299ff379"><li>Hardware Reality: Mobile device power is exponentially increasing. Running small, efficient AI models locally is quickly becoming standard practice, not a luxury. The computational power that previously required cloud infrastructure now fits in a user’s pocket.&nbsp;</li></ul><ul class="list-node" id="8zqgr120j"><li>Business Reality: Premium AI inference subscriptions are increasingly common. Users have shown a willingness to pay for intelligent experiences, making AI capabilities an inevitable necessity for competitive applications.&nbsp;</li></ul><ul class="list-node" id="juqugkm4d"><li>Platform Reality: Major mobile operating systems (OS) are moving toward unified, OS-level AI assistants. Imagine asking the system assistant to "order food from Zomato" or "book a cab to the airport," and the action executes seamlessly by integrating with installed applications.&nbsp;</li></ul>However, this future relies on one crucial prerequisite: individual applications must expose their capabilities to the OS-level model through standardized interfaces. This POC demonstrates this principle, not as a complete product, but as a glimpse of the inevitable future.&nbsp;<h2 class="heading-node" id="byj3uylbq" style="text-align: justify">The Paradigm Shift: From Features to Foundation&nbsp;</h2>The industry is at an inflection point. Years of mastering fundamental architectural patterns are reaching saturation:&nbsp;<ul class="list-node" id="l4veukh66"><li>MVC, MVVM, clean architecture&nbsp;&nbsp;</li></ul><ul class="list-node" id="6cf8h5krn"><li>State management patterns&nbsp;&nbsp;</li></ul><ul class="list-node" id="xnmfn1l2f"><li>Responsive UI frameworks&nbsp;&nbsp;</li></ul><ul class="list-node" id="7fep9zdwz"><li>API integration&nbsp;&nbsp;</li></ul>These are well established, thoroughly documented, and widely understood domains with limited scope for innovation. The next revolutionary wave lies in AI-first development, the new and largely untapped frontier. This is not merely about ‘adding a chatbot’ or ‘AI features.’ It means designing an application from the outset to be intelligent, adaptive, and exposable to external AI systems.&nbsp;<h2 class="heading-node" id="b2n0jlwuv" style="text-align: justify">Lessons from Minimal POC&nbsp;</h2>In the minimal banking application, AI is not a secondary feature, it is the primary interface:&nbsp;<table class="border-collapse border border-gray-300" style="min-width: 50px"><colgroup><col style="min-width: 25px"><col style="min-width: 25px"></colgroup><tbody><tr class="border border-gray-300"><td class="border border-gray-300 p-2" colspan="1" rowspan="1">Traditional Approach&nbsp;</td><td class="border border-gray-300 p-2" colspan="1" rowspan="1">AI-First Approach (POC)&nbsp;</td></tr><tr class="border border-gray-300"><td class="border border-gray-300 p-2" colspan="1" rowspan="1">User opens app $\to $ Navigates to Transactions $\to$ Filters by date $\to$ Scrolls through list&nbsp;</td><td class="border border-gray-300 p-2" colspan="1" rowspan="1">User: "Show last month’s grocery spending" $\to$App: Executes query, generates visualization, displays result&nbsp;</td></tr></tbody></table>The difference is clear: five manual steps are replaced by one natural language sentence. The real learning, however, is deeper:&nbsp;<ol class="list-node" id="211x94mig"><li>Tool Exposure: Most features were exposed as callable tools. The AI can check balances, transfer money, update settings, and navigate screens, basically everything a human can do through the UI, the AI can execute through intent. The pattern for clear capability exposure is established.&nbsp;</li></ol><ol class="list-node" id="1zzvsql9y" start="2"><li>Dynamic UI Generation: The interface is not static. A request for data as a ‘colorful timeline’ or a ‘compact list’ and the AI generates the appropriate layout on the fly. Same data, infinite presentations.&nbsp;</li></ol><ol class="list-node" id="0e74y2449" start="3"><li>Personalized Adaptation: The basic POC demonstrates the ability to adapt information presentation based on context. Scaled up, this means the application literally becomes tailored to individual preferences.&nbsp;</li></ol><h2 class="heading-node" id="67l8pflc8" style="text-align: justify">Technical Reality: On-Device Intelligence&nbsp;</h2>The most remarkable technical insight is the execution environment. The POC runs on a 1 billion parameter model (Llama 3.2) locally, and not in the cloud. This provides complete privacy and low latency, achieved within a simple Flutter POC developed over a single weekend.&nbsp;This capability exists today with&nbsp;<ul class="list-node" id="r0ugck41g"><li>$1$B models (demonstrated locally)&nbsp;</li></ul><ul class="list-node" id="z0b6ql7sa"><li>$7$B models (already capable to run on high-end devices)&nbsp;</li></ul><ul class="list-node" id="hn5hh92we"><li>Specialized models fine-tuned for specific domains&nbsp;</li></ul>The breakthrough is not in the specific tech stack, but in the possibilities that emerge when development transitions from treating AI as a feature to embracing it as the core foundation. A simple POC is sufficient to reveal this future.&nbsp;<h2 class="heading-node" id="qwx1frmm5" style="text-align: justify">OS-Level Future and App Tooling&nbsp;</h2>A clear prediction based on this experiment is that within 3 to 5 years, OS vendors will establish standard protocols for application-AI integration.&nbsp;<ul class="list-node" id="1cjrpeufx"><li>Scenario: OS assistant: ‘Book a cab to the airport’&nbsp;</li></ul><ul class="list-node" id="wu2n2lhz6"><li>Application Response: Installed cab apps expose their booking tools to the OS-level AI&nbsp;</li></ul><ul class="list-node" id="ox941wb6u"><li>Result: The transaction executes seamlessly without the need to open the app&nbsp;</li></ul>For this orchestration to function, applications must expose their core capabilities as callable tools. The banking app POC demonstrates this by exposing transactions, transfers, settings, and navigation as functions the LLM can invoke. This is not about replacing applications but about creating a unified experience where user intent drives OS-orchestrated execution across multiple applications. Applications that fail to expose intelligent interfaces will feel as dated as non-touch interfaces felt a decade ago.&nbsp;<h2 class="heading-node" id="9s63kxutu" style="text-align: justify">Why is AI-First No Longer Optional?&nbsp;</h2>Every evolved technology platform eventually reaches saturation. Web, mobile, and backend architecture have largely plateaued in foundational innovation. Implementing traditional patterns is now easy, well-documented, and battle tested.&nbsp;AI-centric development represents the next untapped frontier, one that’s rich with opportunity rather than hype. Investing effort in this direction is not about following trends but about strategically positioning development teams at the forefront of the next major platform transformation. Just like how ‘mobile-first’ defined a generation of digital innovation in 2010, ‘AI-first' will be the defining standard of 2025.&nbsp;&nbsp;The goal is a user experience revolution:&nbsp;<ul class="list-node" id="6c7e6e60z"><li>Respecting Time: One natural request replaces multiple taps&nbsp;</li></ul><ul class="list-node" id="z5sfb5t2h"><li>Reducing Cognitive Load: Users state what they want, not how to achieve it&nbsp;</li></ul><ul class="list-node" id="rh07sdxp4"><li>Enabling Accessibility: Voice and text interfaces support any language or ability level&nbsp;</li></ul><ul class="list-node" id="qs0fgsue7"><li>Personalizing Experience: Interfaces dynamically adapt to individual preferences&nbsp;</li></ul>It's about creating software that feels less like a tool and more like a helpful, intuitive colleague. Even a minimal POC confirms this immediate difference.&nbsp;<h2 class="heading-node" id="1lld3zr8l" style="text-align: justify">Behind the Scenes: The Core Mechanism&nbsp;</h2>The simple POC operates through three core concepts:&nbsp;<ol class="list-node" id="adya4yfg1"><li>Natural Language Understanding: The AI comprehends the user's intent&nbsp;</li></ol><ol class="list-node" id="djtkjwjgq" start="2"><li>Tool Integration: The AI can perform actions (it doesn't just talk about them)&nbsp;</li></ol><ol class="list-node" id="o01tmng0h" start="3"><li>Dynamic UI Generation: Interfaces are created based on context and user preferences&nbsp;</li></ol>All this is achieved with a small Llama 3.2 1B model running locally. If such a tiny model can demonstrate this potential in a weekend POC, the possibilities with larger, production-grade models are genuinely transformative.&nbsp;<h2 class="heading-node" id="zulrpoi4u" style="text-align: justify">Start Now: Minimal Requirements&nbsp;</h2>Exploring this frontier does not require massive datasets or cutting-edge hardware. It requires:&nbsp;<ul class="list-node" id="v8tjgebrg"><li>A clear mental model of AI-first architecture&nbsp;</li></ul><ul class="list-node" id="g5fpux9r2"><li>Familiarity with tool-calling frameworks (e.g., those like MCP)&nbsp;</li></ul><ul class="list-node" id="m1jem0qmq"><li>A willingness to experiment with local LLMs&nbsp;</li></ul><ul class="list-node" id="gvoehloua"><li>A focus on user intent over predefined UI navigation&nbsp;</li></ul>The most important step is simply to start.&nbsp;&nbsp;Build a POC.&nbsp;&nbsp;Because the barrier to entry has never been lower: local models are free, frameworks are maturing, and the development community is collaborative.&nbsp;<h2 class="heading-node" id="vkrmz46ca" style="text-align: justify">Final Thoughts&nbsp;</h2>Every transformative platform shifts initially seemed like ‘overkill’&nbsp;<ul class="list-node" id="4ogqxboph"><li>Why do we need apps? Mobile web works fine’&nbsp;</li></ul><ul class="list-node" id="dpjosdqhz"><li>Why touch screens? Keyboards work&nbsp;</li></ul><ul class="list-node" id="wonec1ob4"><li>Why voice assistants? We have to search&nbsp;</li></ul>AI-first development is rapidly becoming the foundation on which the next generation of financial applications will be built. By adopting this approach early, development teams not only enhance user experiences but also drive competitive advantages and sustainable innovation.&nbsp;&nbsp;The future belongs to those who lead the AI transformation rather than follow it. Taking this proactive stance will define the banking landscape for years to come.&nbsp;This thought leader article was authored by <a class="link" href="https://www.linkedin.com/in/srinivasan0000/?external_page=LPC.Immersive&amp;external_control=ViewProfileLink&amp;external_app_instance=a1c4a059-11ec-453f-87a1-0aa470978cd0&amp;external_page_instance=0f3680e8-5391-4d77-bef8-7df8cb3dc074&amp;experiment=displayLinkedInDataPrebind" target="">Srinivasan R</a>, Senior Development Engineer, M2P.&nbsp;Follow us on <a class="link Hyperlink SCXW196284913 BCX8" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a> and <a class="link Hyperlink SCXW196284913 BCX8" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a> for insightful fintech bytes curated for curious minds like you.

AI-First: Powering the Next Generation of Smart Applications

Algorithms and the Three Paths of Agrippa’s Trilemma in Fintech

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/marketing-cms/m2p-blog/2025/07/2.webp" alt="How Algorithmic Thinking Drives Efficiency and Strategic Success" title="" id="8g0pbe1j9" width="100%" height="253">What if the key to unlocking your organization’s next breakthrough lies not in new technology but in a mindset rooted in centuries-old principles?In today’s technological landscape, algorithms are the unseen engines powering advancements across industries, from software development to core banking operations. Yet, their true potential remains untapped when confined to technical teams alone.Rekindling algorithmic thinking across all levels of an enterprise, starting from developers, managers, infrastructure engineers, product teams, and even founders, can spark innovation, streamline processes, and position organizations as leaders in their fields.In this blog, let’s explore the fundamentals of algorithmic thinking, its historical roots, real-life applications in core banking, and the fascinating algorithms that inspire creative problem-solving.<h2 class="heading-node" id="bntcb1y8c" style="text-align: left">The Strategic Value of Algorithmic Thinking&nbsp;</h2>Algorithmic thinking involves breaking down problems into clear, defined steps to devise effective solutions. This foundational approach transcends technical roles and offers valuable frameworks for decision-making and strategic planning in managerial and executive functions. As technology evolves, maintaining an algorithmic mindset ensures an organization remains agile, efficient, and innovative.&nbsp;<h2 class="heading-node" id="ao7i3upe9" style="text-align: left">Fundamentals of Algorithms&nbsp;</h2><h3 class="heading-node" id="r2qpsradg" style="text-align: left">Origin and Evolution</h3>The term ‘algorithm’ stems from the name of Al-Khwarizmi, a Persian mathematician who is often heralded as the father of algebra. His contributions laid foundational principles for systematic problem-solving.&nbsp;Over the centuries, these principles evolved and converged with major milestones in mathematical and computational theory, most notably, Leibniz’s concept of the ‘calculus ratiocinator’ and Alan Turing’s formulation of the Turing machine. Together, these advancements transformed abstract mathematical ideas into practical tools for computation, laying the groundwork for modern algorithmic thinking and shaping the way we approach complex problems today.&nbsp;<h3 class="heading-node" id="0fpc5kv91" style="text-align: left">Key Contributors to Algorithmic Thinking&nbsp;</h3><h4 class="heading-node" id="7p5kyufat" style="text-align: left">Alan Turing and the Turing Machine&nbsp;</h4>Alan Turing’s concept of the Turing Machine introduced a paradigm where complex problems could be systematically solved through mechanical processes. This abstract model underpins modern computational theory and showcases algorithmic principles in action, simplifying tasks into executable steps that a machine could perform. Through this approach, Turing not only showcased the practical power of algorithmic principles but also established the basis for analyzing computational complexity and error recognition.&nbsp;&nbsp;His early AI algorithms, including strategies for chess-playing machines, exemplified the practical application of algorithmic principles. By consistently viewing scientific challenges through an algorithmic lens, Turing brought rigorous and systematic structure to the art of problem-solving.&nbsp;<h4 class="heading-node" id="6t5whdqie" style="text-align: left">Richard Feynman and Quantum Computing&nbsp;</h4>Richard Feynman played a pivotal role in algorithmic thinking by exploring how classical systems could simulate quantum states. His path integral formulation in quantum mechanics demonstrated the power of algorithms in bridging theoretical concepts and practical applications across disciplines. &nbsp;Feynman’s teaching style further reflected his approach to problem-solving, as he emphasized simplicity and clarity to make complex ideas accessible and promote deeper understanding.&nbsp;This commitment to clear communication and interdisciplinary thinking underscored the versatility of algorithmic methods.&nbsp;Feynman’s development of algorithms for simulating quantum computers with classical systems transformed abstract quantum theory into practical computational techniques, demonstrating just how far the reach of algorithmic thinking extends.<h2 class="heading-node" id="rjns4znqu" style="text-align: left">Core Concepts of Algorithmic Thinking&nbsp;</h2><h3 class="heading-node" id="o6byyj9u3" style="text-align: left">Decomposition&nbsp;</h3>Decomposition involves breaking down a complex problem into smaller, manageable sub-problems. This approach simplifies the overall task and allows for focused solutions to individual components. For example, designing an e-commerce checkout system involves separate steps for user authentication, product selection, payment processing, and order confirmation.&nbsp;<h3 class="heading-node" id="1lc0axpsa" style="text-align: left">Pattern Recognition&nbsp;</h3>Pattern recognition identifies recurring structures or trends within a dataset. Algorithms can leverage these patterns to predict outcomes, optimize solutions, and streamline processes. Fraud detection in banking, for instance, relies on recognizing unusual transaction behaviors that deviate from established patterns.&nbsp;<h3 class="heading-node" id="yj9hzxw17" style="text-align: left">Abstraction&nbsp;</h3>Abstraction simplifies problems by focusing on essential details while ignoring irrelevant ones. This principle enhances clarity and efficiency. In banking, representing customer transactions as graphs can provide a clearer overview of interactions without delving into individual details.&nbsp;<h3 class="heading-node" id="m3o98e54l" style="text-align: left">Algorithm Design&nbsp;</h3>Algorithm design is the art of crafting step-by-step solutions tailored to specific problems. It involves systematically organizing actions to achieve desired results. Dijkstra’s algorithm, for instance, finds the shortest paths in a graph, optimizing routes such as fund transfers between global branches.&nbsp;<h3 class="heading-node" id="35d4shrey" style="text-align: left">Practical Examples&nbsp;</h3>To illustrate these concepts, consider the sorting of a list of names:&nbsp;<ol class="list-node" id="fr5aahchy"><li>Decomposition: Break down the list into smaller segments.&nbsp;</li></ol><ol class="list-node" id="20apjynu0" start="2"><li>Pattern Recognition: Recognize the order in which names appear.&nbsp;</li></ol><ol class="list-node" id="38imi7q0b" start="3"><li>Abstraction: Focus on the alphabetical characters.&nbsp;</li></ol><ol class="list-node" id="ce90cwxt5" start="4"><li>Algorithm Design: Determine steps to arrange names correctly.&nbsp;</li></ol>These steps form the foundation of algorithmic thinking, which now powers critical real-world solutions, especially in sectors like core banking, where efficiency and accuracy are paramount.&nbsp;<h2 class="heading-node" id="0q9yjw2k0" style="text-align: left">Real-Life Applications of Algorithms in Core Banking&nbsp;</h2><h3 class="heading-node" id="qodogb3iw" style="text-align: left">Credit Scoring&nbsp;</h3>Algorithms efficiently assess risk by analyzing customer data, including credit history and transaction patterns. Automated loan approvals based on predictive models streamline operations and enhance decision-making accuracy. For instance, logistic regression models evaluate a customer’s likelihood of repaying a loan, offering tailored interest rates.&nbsp;<h3 class="heading-node" id="5yixxioso" style="text-align: left">Fraud Detection&nbsp;</h3>Pattern recognition algorithms prevent fraud by identifying anomalies in transaction behavior. A customer who typically makes small local purchases will trigger alarms if a large transaction occurs overseas. Banks use these algorithms to block suspicious transactions in real-time and send alerts to customers, safeguarding assets.&nbsp;<h3 class="heading-node" id="047ansbzp" style="text-align: left">Resource Allocation (Banker’s Algorithm)</h3>Dijkstra’s Banker’s Algorithm optimizes resource allocation while preventing shortages and deadlock. Simplified analogies, such as lending money to friends and ensuring optimal resource usage, illustrate how banks manage liquidity and allocate resources strategically.&nbsp;<h3 class="heading-node" id="u8ypzy9ap" style="text-align: left">Efficiency and Optimization&nbsp;</h3>Algorithms enhance efficiency in processes like transaction reconciliation, customer behavior analysis, and risk management. For example, cryptographic hashing verifies that transaction records match across systems, ensuring data integrity and accuracy during interbank settlements or internal audits.&nbsp;While core banking relies on tried-and-tested algorithms for stability and efficiency, the world of algorithms also offers some truly innovative, and even unconventional approaches to problem-solving.&nbsp;<h2 class="heading-node" id="hy5tegzm6" style="text-align: left">Unique and Fascinating Algorithms&nbsp;</h2><h3 class="heading-node" id="4w7afrvkp" style="text-align: left">Feynman's Path Algorithm</h3>Using classical computations to simulate quantum states, Feynman's path algorithm showcases innovative thinking. This algorithm bridges complex quantum mechanics with practical computing strategies, sparking curiosity about unconventional problem-solving techniques.&nbsp;<h3 class="heading-node" id="927l7s2ta" style="text-align: left">Playing Card Sorting</h3>Analogies like sorting playing cards illustrate insertion sort algorithms in relatable scenarios. Whether organizing prize ranges during online shopping or classroom activities, these examples highlight the practical application of sorting algorithms in everyday tasks.&nbsp;<h3 class="heading-node" id="mdosj9kr5" style="text-align: left">Banker's Algorithm</h3>The Banker’s Algorithm provides an engaging story-based explanation of resource allocation and deadlock avoidance. By simplifying complex concepts into entertaining narratives, this algorithm demonstrates crucial banking strategies in an accessible manner.&nbsp;These examples underscore how algorithmic thinking, whether applied through classic or unconventional methods, continues to shape practical solutions in banking and beyond.&nbsp;<h2 class="heading-node" id="hbx99cmcx" style="text-align: left">Conclusion</h2>Rekindling algorithmic thinking across diverse roles, from software engineers to managers, infrastructure engineers, product teams, and founders, is essential for fostering innovation and efficiency within an organization. By revisiting classic principles of algorithmic thinking, modern problems can be addressed more effectively, driving technological advancement and optimizing real-world solutions, particularly in core banking.&nbsp;Encouraging an algorithmic mindset promotes creativity, strategic innovation, and precise decision-making, ensuring an organization remains at the forefront of technological and operational excellence.&nbsp;<blockquote class="block-node" id="xnv2jytf6">This thought leader article was authored by <a class="link" href="https://www.linkedin.com/in/hemachandar-ec-93a58527/" target="">Hemachandar Ejamanam Chakravarthy</a>, Director, Engineering, M2P</blockquote><a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights directly to your inbox.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

Rekindling Algorithmic Thinking: A Strategic Imperative for Modern Enterprises

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/marketing-cms/m2p-blog/2025/05/RBI%20Digital%20Lending%20guidelines%20Thumbnail.webp" alt="RBI 2025 Digital Lending Directives" title="" id="hno84fjdl" width="100%" height="317">The RBI is setting the stage for the next phase of India’s digital lending journey. With Digital Lending Directions, 2025 announced on May 8, the RBI is prioritizing borrower protection, platform accountability, and end-to-end transparency.&nbsp;Let’s explore what these landmark changes mean for the future of digital lending in India.&nbsp;<h2 class="heading-node" id="nnpwuq1kj" style="text-align: left">Digital lending in India&nbsp;</h2>India’s digital lending ecosystem has witnessed remarkable growth, making credit more accessible than ever, with borrowers tapping into a diverse network of digital lending apps and platforms. This rapid evolution is fueled by tech-savvy population, widespread smartphone adoption, and the rise of data-powered credit assessment models.&nbsp;However, this surge has also raised concerns around data privacy, predatory recovery practices, and a lack of transparency in borrower-lender interactions. To address these challenges, the Reserve Bank of India (RBI) has introduced the Digital Lending Directions, 2025—a comprehensive regulatory framework aimed at safeguarding consumer interests, fostering responsible innovation, and establishing clearer governance across the digital lending landscape.&nbsp;<h2 class="heading-node" id="fa1cfd2l4" style="text-align: left">Key proposals in the RBI digital lending directions 2025&nbsp;</h2>The new directions consolidate earlier guidelines and introduce robust measures for both regulated entities (REs) and their lending service providers (LSPs).&nbsp;<ul class="list-node" id="z72fkltyb"><li>Transparent multi-lender platforms - LSPs working with multiple lenders - must now provide borrowers with a clear, unbiased comparison of all available loan offers. Every lender and loan option must be transparently disclosing hidden choices or misleading designs—empowering borrowers to make fully informed decisions.&nbsp;</li></ul><ul class="list-node" id="x2d72b0fp"><li>Clarified LSP definition - Only digital service providers directly involved in lending operations qualify as LSPs, with others falling under outsourcing regulations.&nbsp;</li></ul><ul class="list-node" id="qc3zc20uj"><li>Enhanced LSP due diligence - Regulated Entities (REs) are required to clearly define roles and responsibilities in contracts with LSPs, conduct regular audits, and continuously monitor loan portfolios.&nbsp;&nbsp;</li></ul><ul class="list-node" id="ejunv39cd"><li>Mandatory DLA reporting - All DLAs must be registered and reported to RBI’s Centralized Information Management System (CIMS) by June 15, 2025, ensuring regulatory visibility and accountability. Non-compliance will lead to penalties.&nbsp;</li></ul><ul class="list-node" id="iqus39oz2"><li>Cooling-off period - Borrowers can now exit a loan, penalty-free, during a board-approved cooling-off period (minimum one day). Only when the loan is disclosed, a one-time processing fee may be charged. This gives borrowers room to reconsider their decisions, reducing regret and pressure&nbsp;</li></ul><ul class="list-node" id="dlm844inx"><li>Default Loss Guarantee (DLG) - Existing DLG rules remain, but now every lender must have a board-approved policy defining DLG terms, caps, and monitoring. This ensures DLG arrangements don’t encourage reckless lending or off-balance sheet risks.&nbsp;</li></ul><ul class="list-node" id="p7ylpk3pi"><li>Penal charges disclosure - No more annualized disclosure of loans would be required and in the current scenario, charges to be shown event-wise, as per KFS format.&nbsp;</li></ul><ul class="list-node" id="k16uhab0t"><li>No auto credit limit hikes - Lenders can’t increase a borrower’s credit limit without an explicit request and consent from the borrower, ending the era of surprise debt traps.&nbsp;</li></ul><ul class="list-node" id="cnk4ms0yh"><li>Data localization - All borrower data must be stored on servers in India. If processed abroad, it must be deleted and returned within 24 hours, reinforcing India’s digital sovereignty and borrower privacy.&nbsp;</li></ul><ul class="list-node" id="917bfcnuq"><li>Cash recovery allowed - Physical agents can collect repayments in cash, but the funds must be credited to the borrower’s account the same day. Any recovery fees are paid by the lender, not the borrower, ensuring fair and ethical recovery practices.&nbsp;</li></ul><ul class="list-node" id="p6nix8tgi"><li>Grievance redressal - Both REs and LSPs must have designated grievance officers, with contact details clearly visible on websites and DLAs. Borrowers must be able to file complaints online, and lenders remain ultimately responsible for resolution.&nbsp;&nbsp;</li></ul><h3 class="heading-node" id="q2wnph39c">Impact on borrowers &amp; lenders&nbsp;</h3><h3 class="heading-node" id="olahfobml">For borrowers&nbsp;</h3><ul class="list-node" id="um5o4pedo"><li>Transparent loan experience - Borrowers now receive clear, digitally signed Key Fact Statements (KFS) outlining all charges, interest rates, and terms-eliminating hidden fees.&nbsp;</li></ul><ul class="list-node" id="rztvyoyx3"><li>Borrower-friendly exit options - A mandatory cooling-off period allows borrowers to exit a penalty-free loan (except for a disclosed, one-time processing fee), reducing pressure and regret.&nbsp;</li></ul><ul class="list-node" id="48i027jc6"><li>Enhanced data privacy &amp; control - Borrowers have greater control over their personal data, with explicit consent required for data collection and sharing, and the right to revoke consent at any time.&nbsp;</li></ul><ul class="list-node" id="06a58raxn"><li>Easy grievance redressal &amp; ethical recovery - Borrowers have direct access to grievance officers and online complaint options, while recovery practices are made fair-cash collections must be credited on the same day, and recovery fees are paid by lenders, not borrowers.&nbsp;</li></ul><h3 class="heading-node" id="xy723k9li">For lenders&nbsp;</h3><ul class="list-node" id="neuze0hui"><li>Stricter compliance &amp; reporting - All digital lending activities must be auditable and fully compliant, with mandatory DLA registration and reporting to RBI’s CIMS portal for greater regulatory visibility.&nbsp;</li></ul><ul class="list-node" id="jjcn85d8z"><li>Robust LSP oversight - Lenders must clearly define roles and responsibilities with Lending Service Providers (LSPs), conduct regular audits, and monitor loan portfolios to ensure high standards and close compliance gaps.&nbsp;</li></ul><ul class="list-node" id="owlrb0pn9"><li>Direct fund flows &amp; operational controls - Loans must be disbursed directly to borrowers and repayments routed only to regulated entities, minimizing misuse and ensuring transparency in fund flows.&nbsp;</li></ul><h2 class="heading-node" id="l6edz815g">How is Finflux by M2P helping lenders stay ahead?&nbsp;</h2>Finflux by M2P is helping lenders stay ahead of the RBI Digital Lending Directions, 2025 by offering a robust, compliant-first digital lending platform that aligns with the latest regulatory mandates. Here's how:&nbsp;<ul class="list-node" id="9517xz87s"><li>Configurable and compliant workflows - Lenders can configure how offers are displayed and ensure all regulatory disclosures are met. Our platform is ready for November 1, 2025, compliance deadline, so lenders can adopt multi-lender transparency without delay.&nbsp;</li></ul><ul class="list-node" id="75ylnrtah"><li>Real-time monitoring &amp; audit trails – Our platform offers comprehensive dashboards and audit logs to track all LSP activities in real time. Lenders can monitor loan origination, servicing, and customer interactions, making it easy to spot anomalies, enforce standards, and maintain a detailed audit trail for regulatory scrutiny.&nbsp;</li></ul><ul class="list-node" id="jdjubwo6d"><li>Configurable DLG policy management – Our lending suite allows lenders to set up and manage board-approved DLG policies directly within the platform. You can define DLG terms and conditions, Portfolio exposure caps (as per RBI limits), and eligible instruments (e.g., fixed deposits, bank guarantees).&nbsp;</li></ul><ul class="list-node" id="04s944hs9"><li>Robust data security: Advanced data localization and privacy controls align with RBI’s stringent data protection requirements.&nbsp;</li></ul><h2 class="heading-node" id="un8dyvw4y" style="text-align: left">Setting the standard for future-ready lending&nbsp;</h2>As RBI’s Digital Lending Directions 2025 ushers in a new era of accountability and transparency, meeting these regulatory standards now demands more than just digital infrastructure. It requires intelligent, adaptable systems that can keep pace with evolving compliance, borrower protection, and operational best practices.&nbsp;&nbsp;At Finflux by M2P, we’re not just enabling lenders to meet the RBI’s 2025 digital lending directions—we’re empowering them to lead with trust, transparency, and technology. With our API-first, fully compliant lending suite, you can streamline operations, accelerate growth, and deliver the trust and transparency today’s borrowers expect.&nbsp;Ready to future-proof your lending business?&nbsp;&nbsp;<a class="link Hyperlink SCXW176630351 BCX8" href="https://m2pfintech.com/contact-us/?activeKey=1" target="_blank" rel="noreferrer noopener">Schedule a demo</a> today.&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

Simplify RBI 2025 Digital Lending Compliance with Our Smart Lending Solution

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/04/Credit-card-Product-updates-Banner-3.webp" alt="M2P Fintech" title="" id="949nmx2yl" width="100%" height="253">Welcome to the Q4 FY 2024-2025 edition of our quarterly product updates, where we spotlight the newest enhancements to our <a class="link" href="https://m2pfintech.com/credit-cards/">credit card stack</a>.&nbsp;This product update note highlights key improvements that enhance operational efficiency and end-user experience, ultimately helping you deliver greater value to your customers.&nbsp;<h2 class="heading-node" id="xhajg3tzk" style="text-align: left">Product Highlights</h2><h4 class="heading-node" id="h607py904" style="text-align: left">1. Minimum Amount Due calculation for MENA region&nbsp;</h4>As part of this feature upgrade, any overdue unpaid MAD from the previous cycle will be added to the current cycle’s MAD.&nbsp;The system will keep incrementing MAD if the customer does not clear the overdue, which may also lead to mathematically MAD becoming greater than TAD. In such scenarios, the system will keep MAD = TAD and not increment further.<h4 class="heading-node" id="rysocuti5" style="text-align: left">2. Password configurations for statements&nbsp;</h4>This feature provides the ability for a bank/fintech partner to set or update the password configuration that is set for protecting the statement. Passwords can be configured based on 4 different parameters – First Name, Last Name, DOB and Last 4 Digits of Card Number through any order of preference.&nbsp;<h4 class="heading-node" id="444q07olb" style="text-align: left">3. FRM integrations for RuPay and Multi-card&nbsp;</h4>Any new additional cards/RuPay card availed by the customer will be onboarded to <a class="link" href="https://m2pfintech.com/blog/all-you-need-to-know-about-building-a-robust-fraud-and-risk-management-frm-system/">FRM</a> system so that transactions done through new additional cards and RuPay cards are also monitored.&nbsp;<h4 class="heading-node" id="w0lzav636" style="text-align: left">4. FRM integrations for additional configurations&nbsp;</h4>A set of configurations is available to filter out advice transactions sent to the<a class="link" href="https://m2pfintech.com/frm-aml/"> FRM</a> system. These configurations can be defined at the credit end based on MTIs, reason codes, and response codes.&nbsp;<h4 class="heading-node" id="53o7peqgc" style="text-align: left">5. SI report generation&nbsp;</h4>SI report automation and generation with the fields below&nbsp;<ul class="list-node" id="guk5kgw3m"><li>CIF Number&nbsp;</li><li>Tran Date&nbsp;</li><li>Tran Amount&nbsp;</li><li>Success/Failure with Reason&nbsp;&nbsp;</li></ul><h4 class="heading-node" id="ltfvg1hbl" style="text-align: left">6. Report automation</h4>Automation of the following transactional reports on a daily and monthly basis. These reports will now be sent through the warehouse system on configuration&nbsp;<ul class="list-node" id="60z18484u"><li>Financial Activity Reporting&nbsp;</li><li>R16 Report&nbsp;</li><li>Repayment Report&nbsp;</li><li>Interest Summary Report&nbsp;</li></ul><h4 class="heading-node" id="teag43vy2" style="text-align: left">7. UPI credits to be allowed with restricted MCCs</h4><a class="link" href="https://m2pfintech.com/upi/">UPI</a> transactions with UPI Type as CREDIT and all other Subtypes such as PAY, COLLECT etc., are now allowed for payment processing.&nbsp;<h2 class="heading-node" id="11xn80ybz" style="text-align: left">Supply Chain Financing Module</h2><h4 class="heading-node" id="2kzsk0ehm" style="text-align: left">1.Order cancellations post confirmation</h4>As part of the <a class="link" href="https://m2pfintech.com/blog/unlocking-growth-supply-chain-financing-future-with-m2ps-credit-stack/">supply chain financing</a> product, we have added the provision to cancel a transaction post the order confirmation and placement, prior to the order being delivered.&nbsp;<h4 class="heading-node" id="1o1gx3dx4" style="text-align: left">2. System integration for document dispatch&nbsp;</h4>As part of supply chain financing product implementation, a call is made to the Bank’s document generation API to dispatch regulatory documents at the time of onboarding a merchant and once a drawdown is done. The relevant dynamic variables required for populating the document such as: Customer Name, Due Date, Due Amount details, etc. are shared through this upgrade.&nbsp;<h4 class="heading-node" id="eij5buxx4" style="text-align: left">3. Notification for spend reports&nbsp;</h4>When a spend report is generated and sent to the registered Mail ID, an SMS will also be sent to the customer. Parameters that will be sent in the notification are&nbsp;<ol class="list-node" id="mmax33zu3"><li>Customer’s first name and last name&nbsp;</li><li>Total consolidated due for the month&nbsp;</li><li>Billing month details - month and year for which the bill is generated&nbsp;</li></ol>That’s a wrap on this quarter’s highlights.&nbsp;We’re continuously working to improve our credit card platform to better serve our partners and their customers. If you have questions about these updates or want to see them in action, feel free to <a class="link" href="https://shorturl.at/yZdwB">contact us</a>.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

What’s New with M2P's Credit Stack Platform?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/12/Blog-1.webp" alt="M2P Fintech" title="" width="100%" height="253">2022 is drawing to a close. And this year's last star of the month series is here!So, buckle up folks!Pave the way for Aditya Narasimhan, our VP of Product and Client Delivery.A table tennis coach, superjock, and fintech product delivery champion, Aditya is an inspiration to many. Master at the art of work-life synergy, this sportive M2Peer is a staunch believer of the fact that life never stops teaching, and he must never stop learning.Curious to know what makes Aditya shine? We were too.We got into a candid conversation with him to uncover his secret to success. But what we heard was even more amazing.Spoiler alert: Fun revelations ahead!Here you go!<h2 class="heading-node" id="t9kuaqxvj" style="text-align: justify">How do you usually start your workday?</h2>Learning is my passion. Each day I look forward to greater learning. I start my workday with simple prepping that involves breaking targets into smaller, digestible bytes and jotting down pending tasks in my to-do list. Then I get into action by completing a couple of tasks and sip heavenly coffee with a sense of accomplishment.Later I sync up with my team, understand and discuss their queries, ensuring that there is constant interaction irrespective of whether its work, fun, or travel.<h2 class="heading-node" id="cc258asf0" style="text-align: justify">What are your main responsibilities as VP - Product and Client Delivery?</h2>I recently moved to the role of leading development and delivery of Fleet Payments product. My responsibility here is to build the product by collaborating with various stakeholders like banks, fintechs, aggregators, and regulators.Hailing from a background in banking and commercial vehicle finance, it is exciting for me to blend my experience to create innovative payments methods around FASTag, fuel, and driver expenses. I enjoy helping commercial vehicle businesses by providing a bankable financial layer to endorse products like fleet payments management for fleet owners, fuel and toll credit systems for lenders, and neobanking for drivers.<h2 class="heading-node" id="a8gouebna" style="text-align: justify">How have you grown through the years as an M2Peer?</h2>It was a big gamble for me to join M2P. And I’m loving every second spent in the office. It's been a little more than 40 months in this organization. The experience has been great.I am thankful for being one of the first set of hires in Business Development (BD) and Product roles. Probably the only handful of people to have experienced the BD role, implementation, account management, bank interaction, and product development. I feel both proud and humbled to have contributed to all victories and new learnings.<h2 class="heading-node" id="dkrxqjhcj" style="text-align: justify">Is there a quote/saying that motivates you?</h2>Being a sports person, there are many quotes that motivate me. The most addictive one is this.‘The more you sweat in practice, the lesser you bleed in the battle.’And this is something I experience and correlate with M2P. They constantly re-engineer to improve the client’s experience. And so, we manage and thrive irrespective of the disruption.My next favorite quote is this from Benjamin Franklin.&nbsp;‘Being ignorant is not so much a shame, as being unwilling to learn.’And finally, another one of my favorite sayings is, ‘Everything happens for a reason.’<h2 class="heading-node" id="znst90n7h" style="text-align: justify">What's that one thing your colleagues don't know about you?</h2>I am usually an open book. However, there is some behind-the-scene action I’d like to share now.I enjoy acting and have played a few roles in Tamil cinema and soaps during my college days.<h2 class="heading-node" id="qwueyr54m" style="text-align: justify">Have you played a practical joke in college/school?</h2>Oh yes. I was a total prankster during college. Here's one of the pranks I recall.Now this was the time when pizzas were delivered to a location over just a call. My group of friends and I sneaked into the staff room when no one was around and ordered 3 large pizzas in the name of the principal from the landline there. It became a huge embarrassment to the school, and the principal had to pay for it. However, the information was leaked, and we were caught a week later. 😊<h2 class="heading-node" id="s7z5uoq8h" style="text-align: justify">What inspires you the most about M2P?</h2>The team of founders, across M2P and the recently acquired brands. Their quality of giving complete freedom with responsibility inspires me the most. Other inspirational traits M2Peers exhibit are great respect, constant learning, and ownership over their jobs.<h2 class="heading-node" id="zdoyk0bf0" style="text-align: justify">What's your idea of a perfect day?</h2>For a day to be perfect, it must be filled with as many insights as possible. And that makes me look forward to the next day.<h2 class="heading-node" id="hv0buv63g" style="text-align: justify">What was your career path before joining M2P, and how has it changed?</h2>Right from my school and college days, I was a passionate table tennis player and competed at the national level. So, during my master's degree, I was conflicted between going pro in table tennis or taking up a campus offer from Federal Bank.It was like a toss of a coin, and I’ve never regretted my decision.&nbsp;I started my career with Federal Bank and moved on with Cholamandalam Finance in the commercial vehicle lending space. That’s when I got introduced to M2P.&nbsp; My journey as an M2Peer has been both blissful and exciting so far!<h2 class="heading-node" id="blcy2d9vd" style="text-align: justify">What are your hobbies/interests?</h2>I’ve still kept my passion for Table Tennis alive. I coach these days and participate in events representing M2P, be it a corporate, state, or national event.I also train the Tamil Nadu Senior State Table Tennis Team every year. For this reason, I am grateful to M2P for allowing me to pursue my passion.<h2 class="heading-node" id="mjhb0wdve" style="text-align: justify">Anything else you want to share about M2P?</h2>M2P is an incredible place to learn and grow. You need to be curious and updated on the regulations, bank strategies, and fintech ideas to make necessary changes to your products and platforms. M2P has come a long way in identifying problems and developing innovative approaches to address them. This marks a significant milestone in its journey.I am grateful for the faith and exposure that M2P has offered me. I look forward for the great journey ahead.Kudos to all M2Peers!Stick around, until we get back with an awesome story of another M2P star.<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Meet Aditya Narasimhan, our Product Delivery Champ

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/11/Star-of-the-month_Star-of-the-Month-Rajesh-Word-Press.webp" alt="M2P Fintech" title="" width="100%" height="447">The Star of the Month series is back! This November, we shine the spotlight on Srikrishna Thota, our business development champion. A shuttler and a movie buff, Srikrishna is a go-getter with a penchant for identifying strategic opportunities, nurturing relationships, and closing deals. His love for goal setting, learning, and exploring has enabled him to grow in leaps and bounds. As we spoke to him about what makes him the star he is, he took us along his amazing five-and-a-half-year journey from being a marketing executive to becoming a business development ninja at M2P. Curious to know what makes him a star M2Peer? Then, just swipe down. You may even find his secret to success.<h2 class="heading-node" id="466swiyhx" style="text-align: justify">How do you usually start your workday?</h2>I believe health is wealth. So, I start the day with a brisk 45-minute jog, which keeps me energized and productive. Then I catch up on current events and kickstart my work mode with a cool to-do list where I factor in client calls and meetings for the day. After that, I connect with my team to ensure we clear roadblocks and thunder into business expansions.<h2 class="heading-node" id="igiq7f834" style="text-align: justify">What are your main responsibilities at work?</h2> My major responsibilities include setting business expansion goals, formulating and steering strategies for revenue growth, overseeing lead generation and sales, negotiating client pricing, and implementing new market initiatives. Then I train and motivate my team to implement high-growth strategies and help them remove blockers if any.<h2 class="heading-node" id="tep698r34" style="text-align: justify">How have you grown through the years as an M2Peer?</h2>My journey as an M2Peer began five years ago with Syntizen. Learning curves were immense and still prove to be challenging, considering the market dynamics. I had a brief stint as a marketing executive in a media company before I started out as a BD manager at Syntizen. The role opened great learning opportunities in dealing with challenging clients, boosting sales, and making sure a solid foundation was laid for the growth of the business. Being in the startup environment, I was given the capacity to work in several roles and responsibilities. My hard work, consistent learning, and attitude to take responsibility provided the impetus for me to move forward very quickly. Learning new things every day is something I liked doing as a student and at work. I'm grateful to everyone for their understanding, constant support, and willingness to teach me new things. Learning is the biggest secret that made me grow over the years.<h2 class="heading-node" id="ufeqbbclb" style="text-align: justify">Is there a quote/saying that motivates you?</h2>I am passionate about learning. So, these quotes motivate me. “Develop a passion for learning. If you do, you will never cease to grow.” —&nbsp;Anthony J. D’Angelo Nonetheless, it’s the people around me that inspire me the most.<h2 class="heading-node" id="yuahvk4wp" style="text-align: justify">What’s that one thing your colleagues don’t know about you?</h2> I’ve been an open book most of my life. If there is a secret, then it is meant to be kept so.<h2 class="heading-node" id="qpxd42ywn" style="text-align: justify">Have you ever played a practical joke in your school/college days?</h2> Not actually.<h2 class="heading-node" id="9fz75gezh" style="text-align: justify">What inspires you the most about your workplace?</h2>My colleagues inspire me every day, especially the founders. I'm lucky enough to get the opportunity to work with them from day one. I’ve been with the organization through thick and thin, and the experiences have moved me to excel both in my personal and professional life. Thanks to my colleagues and founders for all the inspiration and support. &nbsp;Special thanks to Mr. Siddharth, who is such a lovely person to work with. He is very supportive and never stops motivating me. M2P is a great place for all new entrants to learn and develop their careers.<h2 class="heading-node" id="ya6vt0650" style="text-align: justify">What’s your idea of a perfect day?</h2> My day will be perfect when I close the best deals and contribute towards revenue and profits.<h2 class="heading-node" id="vue9fxu95" style="text-align: justify">What are your hobbies/ interests?</h2> I enjoy playing badminton and catching up on movies. Whenever I get free time, I reach out to spend quality time with family and friends.<h2 class="heading-node" id="k9pmhxvj8" style="text-align: justify">Anything else you want to share with your peers?</h2>I’m glad that Syntizen has joined the M2P family. The organization has grown tremendously over the years and still has a lot to achieve! Here are my recommendations to fellow M2Peers who are looking to achieve goals in life.<ul class="list-node" id="mg6g46abz"><li>Internal motivation is the key</li><li>Don’t depend on anyone</li><li>Try to handle any situation on your own</li><li>Learn from your mistakes and improve</li></ul>Cheers to the M2P family! <a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Meet Srikrishna Thota, our Industrious M2Peer

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/10/Star-of-the-month_May-Star-of-Month-Medium-Bolg.webp" alt="M2P Fintech" title="" width="100%" height="358">It’s Star of the Month time again. The time we take to recognize outstanding people at M2P. This October, we shine the spotlight on the charming and illustrious Akshatha, our Engineering Lead. Akshatha is an eternal optimist who enjoys pushing limits and resolving challenges. Be it breaking complex puzzles or engineering fintech products. She never misses an opportunity to shine. We wondered what makes Akshatha shine the way she does. We got into a candid chat with her to get to know her secret to an efficient and productive workday, along with her interests and her wonderful journey as an M2Peer. Here you go!<h2 class="heading-node" id="g2n8sbwru" style="text-align: justify">How do you usually start your workday?</h2>I start my day on a joyful, positive note. I begin my work by making a to-do list for the day. Then, I organize my work schedule to carry out my responsibilities with greater efficiency. Finding challenging things to work on is my passion. Solving issues that come my way and helping fellow teammates with their tasks makes my day.<h2 class="heading-node" id="qjwthdj8e" style="text-align: justify">What are your main responsibilities as Engineering Lead?</h2>I lead the Micro Finance product at Finflux. My responsibility lies in understanding client requirements, coordinating product design, and planning product development. Managing the complete product lifecycle from requirement gathering to go-live falls under my purview. I also develop certain product features to be in touch with core technical concepts. The mantra that helps me add value to whatever I do is “Build the product right and build the right product”.<h2 class="heading-node" id="w8nbftwew" style="text-align: justify">How have you grown through the years as an M2Peer?</h2>I joined Finflux as an intern almost 3 years back during college campus placements with no experience in the software domain. From there, I started my internship in the final year and after graduation, I continued as a full-time employee. Even though I started out at Finflux, looking back as an M2Peer, I am proud of myself for how far I have grown.&nbsp; My responsibilities have helped me mature not just as a tech person but also as a leader. The nurturing nature of the leadership team helped me explore my strength in different fields of the product and not restrict myself to just being a software developer. The technical exposure, challenges, and guidance from my mentors helped me grow in my professional life. I strongly believe that when we put in our hard work &amp; efforts at something, we will surely see the growth intended. I look forward to a long and fruitful journey as an M2Peer.<h2 class="heading-node" id="ve1dfauyz" style="text-align: justify">Is there a quote/saying that motivates you?</h2>Yes, there is one. Steve Jobs's quote always inspires me, ‘You can't connect the dots looking forward; you can only connect them looking backward.’ I connect myself to the saying because everything I work on might not have an immediate impact. But I trust the process and take up every opportunity that comes on my way.<h2 class="heading-node" id="dtb3sxie3" style="text-align: justify">Have you ever played a practical joke in your school/college days?</h2> I have not played any practical jokes during my school/college times.<h2 class="heading-node" id="ps8kbprqk" style="text-align: justify">What’s that one thing your colleagues don’t know about you?</h2>Well, nobody knows that I was an emcee and writer during my college days. I hosted several events and was an editor of my monthly college magazine. I love anchoring events and I'm very fond of reading and writing articles.<h2 class="heading-node" id="q7fwoznm9" style="text-align: justify">What inspires you the most about your workplace?</h2>It's the people. M2P is a space where you can share your thoughts and suggestions in an open-minded way with everyone, right from founders to your peers. There are no barriers to communicating new ideas and this motivates me a lot. I also get complete freedom to take individual decisions and own them. This ability inspires me to keep improving by analyzing the outcomes of every decision I take.<h2 class="heading-node" id="wkxq6k3s1" style="text-align: justify">What’s your idea of a perfect day?</h2>A perfect day for me is executing my tasks as planned and accommodating ad-hoc tasks in the best way possible. If I finish my work on time and get quality time with my friends and family, I would call it a perfect day.<h2 class="heading-node" id="0b5jkfrux" style="text-align: justify">What was your career path before and how it has changed?</h2>I started this amazing journey as an intern to become what I am today. M2P is a place with lots of positive vibes that motivate one to keep improving.&nbsp; When we are surrounded by positive people and goal-oriented mindsets, accomplishing great things and scaling new heights becomes possible. My seniors in Finflux were very supportive and always guided me to sharpen my leadership skills. Here I'd like to shower a special mention to Dhiru, because of the way he comes up with innovative solutions for any issue. This inspires me to think in a unique way, make things possible and develop the 'never to give up' attitude. Working on various segments like gold loans, microfinance, and other fintech products gave me a lot of exposure to understanding how every product works.&nbsp;I started to inculcate this knowledge into anything I design based on the target customers. The maturity of understanding how each customer would require the feature or product to work is a big learning I acquired. Now I step into the 4th year with M2P. It's amazing! It's indeed an incredible step-by-step journey to reach where I am today. I look forward to greater experiences and learning.<h2 class="heading-node" id="sjootmbfo" style="text-align: justify">What are your hobbies/ interests?</h2>Basically, I am a classical singer and I never miss indulging myself in extracurricular activities. As an Abacus graduate, solving puzzles is my passion. Though traveling is my hidden interest, I haven't gotten the opportunity to explore that area. In future, I hope I get to travel a lot more.<h2 class="heading-node" id="bb7rs11t9" style="text-align: justify">Anything else you want to share with your peers?</h2>It has been 3 wonderful years at Finflux. I would like to thank all my peers for this amazing and wonderful opportunity. Special mention to Nayan Ambali who always keeps motivating me to take my own decisions and retrospect on the results. I believe that with the combined effort and efficient communication between teams we have achieved a lot already and there is so much more to achieve. Since we are always motivated, we are growing tremendously and nothing is out of our reach.&nbsp;I can grab every opportunity out there and make it fruitful for us. M2P has enabled me to learn, explore and grow in a better way. Looking forward to a lot more learning opportunities from each and everyone in the future. Keep inspiring, team M2P!😊 <a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox. Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Get to Know Akshatha, our Engineering Whiz

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2022/09/May-Star-of-Month-Blog.webp" alt="M2P Fintech" title="" width="100%" height="253">It's time for our Star of the Month to shine!This September, we spotlight Karan Modi, Tech Lead as the Star of this Month.Karan is an optimistic techie with a passion for learning and exploring. He began his career in the financial sector from scratch and has grown in leaps and bounds by setting exciting benchmarks.But that's not all. We wanted to know what makes this remarkable M2Peer shine the way he does.So, we got into a candid chat with Karan to uncover his motivations, interests, and his secret winning mantra.Curious to know more? Keep reading then.<h2 class="heading-node" id="g48btrhdr" style="text-align: justify">1. How do you usually start your workday?&nbsp;&nbsp;</h2>Many may think otherwise. But trust me. This is an interesting question.Because the way you start off sets the tone for the rest of the day.Be it a workday or weekend, I always start on a positive note. Then I list my responsibilities and schedule everything for the fantastic day ahead of me.I connect with my team and ensure we navigate the workday as per our plan. But before anything, we quickly grab a cup of steaming coffee.<h2 class="heading-node" id="1vmihoedw" style="text-align: justify">2. What are your main responsibilities as Tech Lead?</h2>As Tech Lead, the first thing I do every day is gather and understand client requirements. Then it's all about teamwork.We collaborate to analyze requirements, sort out challenges and define solutions. Since I handle the payments segment, managing security is my key responsibility.I believe team happiness and motivation are crucial to productivity. So, I interact with my team to resolve issues, if any.<h2 class="heading-node" id="ikensee0d" style="text-align: justify">3. How have you grown through the years as an M2Peer?</h2>I started out as a developer in the BSG family, and it's been a wonderful journey for the past 5 years. I had immense opportunities to explore technologies and grow my skills by setting exciting benchmarks.All thanks to the top-notch people I’ve worked with over the past few years, I was able to learn a lot about the industry, products, technology, and people. Special mentions to my peers for being there for me both personally and professionally. Today, I’m thrilled to be an M2Peer and look forward to greater accomplishments.<h2 class="heading-node" id="we61rho1b" style="text-align: justify">4. Is there a quote/saying that motivates you?&nbsp;&nbsp;</h2>Whenever I feel a bit stressed or low, I tell myself - “Karan, keep calm!”Taking some time off helps me relax. Once I relax and feel rejuvenated, I start working with greater vigor.<h2 class="heading-node" id="r8gw7nepr" style="text-align: justify">5. What's that one thing your colleagues don't know about you?</h2>I loved athletics back in my school days. In fact, I was sports representative for Kho-Kho in Surat.<h2 class="heading-node" id="wd29b1c0p" style="text-align: justify">6. What inspires you the most about your workplace?</h2>People I work with inspire me. Their out-of-box solutioning, work ethics and communication style galvanize me into action. &nbsp;I’m grateful for the amazing learning and growth opportunities M2P offers me.<h2 class="heading-node" id="o95rlrwyy" style="text-align: justify">7. What's your idea of a perfect day?&nbsp;</h2>A perfect day to me entails a healthy work-life balance. I am the happiest when I spend quality time with family and give my fullest to work without any compromise.<h2 class="heading-node" id="p6nwcfgut" style="text-align: justify">8. What was your career path before, and how has it changed?</h2>There was a time when I didn't know anything about finance. Even basic definitions of credit or debit were Greek and Latin to me.But today I’m a seasoned professional in the financial industry. I feel proud to look back and realize how much I have grown in the past few years.I began my career journey in an implementation team for a private company. My growth trajectory skyrocketed from Senior Software Engineer to Tech Lead when I joined BSG. Today we have spread our wings and are soaring with the wonderful M2P family.<h2 class="heading-node" id="l62ixyb0f" style="text-align: justify">9. What are your hobbies/ interests?</h2>I like to spend quality time with my friends and family. I also enjoy playing cricket whenever I find the time. I have recently developed a keen interest in traveling and exploring breath-taking destinations!<h2 class="heading-node" id="om98pkskz" style="text-align: justify">10. Anything else you want to share with your peers?</h2>I'm glad to be working and learning new things among the great minds here! I have learned, improved, and grown in numerous ways here. Grateful to all the remarkable peers I have.Keep rocking, Team M2P! 😊<a class="link" href="https://m2pfintech.com/newsletter/">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link" href="https://www.linkedin.com/company/m2pfintech/mycompany/">LinkedIn</a>&nbsp;and&nbsp;<a class="link" href="https://twitter.com/m2pfintech">Twitter</a>&nbsp;for insightful fintech tales curated for curious minds like you.

Tag: "M2p (35)"

M2P Fintech