Articles Archives – Sethurathnam Ravi (S Ravi)

Modernizing Capital Market Regulations: A Blueprint for India’s Digital Financial Future

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To unlock India’s potential as a global financial powerhouse, out-dated capital market regulations must evolve in step with digital innovation, investor behaviour, and cyber security challenges. Indian capital markets have undergone revolutionary transformation since liberalisation of the economy in 1991. The post-liberalisation period’s digital revolution redefined the financial landscape, as technology-enabled models of stockbroking and […]

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India’s CBDC Revolution: Building A Trusted, Inclusive and Resilient Digital Currency Ecosystem

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CBDCs can reshape India’s financial landscape by enhancing inclusion, transparency, and efficiency—if built on trust, innovation, and strong policy safeguards. India is on the threshold of a new age of finance with Central Bank Digital Currencies (CBDCs)—state-backed digital currencies that hold the potential to revolutionize the way we save, spend, and make payments. While crypto

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AI in Banking Cybersecurity: A Double-Edged Sword of Innovation and Risk

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Introduction: The Rise of “The Algorithmic Sentinel” in Banking As the digital transformation of the banking sector accelerates, Artificial Intelligence (AI) has emerged as a transformative force—both a powerful defense mechanism and a potential vulnerability. AI in banking cybersecurity is reshaping how financial institutions detect threats, respond to attacks, and manage risks. But along with

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India’s Digital Payment Revolution: Trends Redefining the Future

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In the financial year 2024, India recorded an astounding 164 billion digital payments—a number that makes me pause and marvel at how far we’ve come. For someone who’s witnessed the banking transformation in India, this milestone isn’t just a statistic; it’s a reflection of a nation embracing change with open arms. From pioneering the Unified

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Guide To Building And Understanding Your Credit Score

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Your credit score is a powerful financial tool that can shape your financial future and a good credit score can open relevant doors. Building a strong credit score is a gradual process that requires discipline and financial responsibility Sethurathnam Ravi The average credit score for Indians last year was 715 as per a credit monitoring

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RBI Mandates IT Services Framework For REs

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REs shall facilitate the easy administration of IT and cyber governance and compliance, in place of the prevalent multiple circulars The new comprehensive master direction on information technology governance, risk, controls and assurance practices to be implemented by Regulated entities (REs) comprising of scheduled commercial banks (excluding regional rural banks); small finance banks; payments banks;

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Modi@9: Decoding PM’s Contribution To India’s Growth Story

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The growth and development of a nation are continuous processes, and the aim is to make India a developed nation in the next 20-25 years The coming 30th May will see the completion of nine years of the Modi-led NDA government. PM Modi and his team have taken multifarious strides to enhance governance, financial inclusion,

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CFO – From ‘Finance’ To ‘Futuristic’

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The role of the CFO in the organization is changing and transforming. The new global order, regulatory challenges, advent of tech and fluctuating financial cycles in the 21st century and the current decade, in particular, are transforming the definition of CFO from Chief Financial Officer to Chief Futuristic Officer Sethurathnam Ravi – former chairman of

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Union Budget 2023-24 Has A Long-Term Vision

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This budget has something for all sections even as it walks the path of fiscal consolidation The focus of the budget 2023 is pro-growth. It has a long-term vision. It has also been described as an “Amrit Kaal” Budget. The Budget allows free cash availability and pushes employment generation which will give an impetus to

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Few key recommendations for personal taxes that Budget 2023 should consider

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The 2023 Budget is the last full-year budget before the general elections in 2024. The Indian government has a challenge on hand: with global recession knocking at our doors, global GDP growth is expected to slow down to 2.7% in 2023, and not to forget our own fiscal deficit which is projected to be 6.4%

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