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The global cycle of money and a vision for banking

by Our Community / Tuesday 11 February 2020 / Published in Customer Experience, Featured, Fintech, FinTECHTalents, Start-ups, Video

We sat down with Aritra Chakravarty, CEO, Dozens at FinTECHTalents 2019 where he talks about the global cycle of money and his vision for the future of banking.

Watch the video now.

What does the future hold for Dozens?

My vision of banking, which I think would be great for the world is, individual consumers save, and businesses borrow. It really troubles me that it’s easier to borrow for a holiday than to grow an existing business or suddenly start a business. I think consumers should save, businesses should borrow, businesses then create more employment that further helps the consumer saving. That global cycle of money, sometimes this can happen between economies, right? Some consumers are saving more, some other countries are growing more. This global cycle of money is what we want to be in the middle of.

I think it would be good for everyone, not just for Dozens, the world would be a financially more secure place if that was the cycle.

How do you make this socially responsible business model commercially feasible?

Here I think the interesting thing is that by making some non-conventional choices we have not compromised on commercial feasibility; we’ve actually increased commercial feasibility.
For example, by talking about businesses borrowing, we go after the business banking segment as well as the consumer segment. By not launching with just a current account and payments but also doing budgeting and savings accounts and investing with ETFs and other stuff, it’s such a broad platform that it makes it harder for anyone else to emulate but two, we can monetize across that chain. Therefore, we don’t have to be pushed into making overdrafts our primary commercial stream.

Interested in FinTECHTalents 2020 – Defining FinTech for the Decade? Get in touch now! 


Tagged under: Dozens, FTT19, Splash

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