The Painted Stork

The Painted Stork

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[#85] The future of fintech in India: RBI has a vision for payments per its 2028 vision document. Just not for the companies building it
RBI's 2028 vision focuses on fraud liability, MSME financing, and xborder friction. But limited monetization in payments, and the RBI strategy to…
 • Ambika Pande
[#84] Stripe's MPP, Coinbase's x402, the A2A Payment Protocols, and why stablecoins will power the agentic economy
Everyone's talking agentic payments. But there are two markets here: agentic commerce and machine payments. MPP and x402 are building for the latter…
 • Ambika Pande and Viraj Arya
[#83] The AI Money Movement Layer (Part 2): 5 Blueprints Built on the Same Core Principles
Stripe SPT, Visa Agent Pay, Google AP2: the rails for AI payments are being built. But who verifies the agent? Who catches hallucinated purchases? And…
 • Ambika Pande
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[#82] From Zero to Live (Part 3): Claude Code, the Organization's AI stack, and who are we actually building AI for?
Claude / Codex is powerful but the onus needs to be put on the organization to become truly unlock AI. We are at a crossroads with AI usage, and as a…
 • Ambika Pande
[#81] Credit Lines on UPI (CLOU) will eat small ticket lending, but requires key ecosystem unlocks to reach that inflection point
All signs point to CLOU solving for existing problems in small ticket lending, but it'll require market awareness, a robust monetization construct, and…
 • Ambika Pande
[#80] Google's UCP & AP2: Moving agentic commerce from just "plausible" to "scalable"
With MCP, ACP, Google's AP2, and now UCP, the focus needs to be in laying foundations org and ecosystem wide for ease of of agentic execution across…
 • Ambika Pande
[#79] Do all roads in fintech lead the license aggregation ( Part 7): The evolving payments play
Where players sit in PA-O, PA-P, PA-CB (inward and outward remittance), either standalone, or a combination of several licenses says a lot about fintech…
 • Ambika Pande
[#78] Banking in India: FDI investment, bank consolidation, and the "great re-bundling"
PSU and RRB consolidation, Japanese investment in Indian BFSI, all banks becoming universal banks, and fintechs becoming SFBs with a path to full banks…
 • Ambika Pande
[#77] The future of fintech in India: How do we approach monetization in the age of DPI?
With DPI in India heating up (UPI, and offerings such as AA, ONDC, ULI etc), core offerings being positioned as a "free good," what is the monetizable…
 • Ambika Pande
[#76] From zero to live (Part 2): Testing Emergent’s “AI-built backend” promise (and hitting the limits)
Vibe coding using front end tools is just another word for fancy prototyping - setting up backend services is still very much a challenge, and we may be…
 • Ambika Pande and Chinmay Shah
The Painted Stork
The Painted Stork
By Ambika Pande. Follow for the latest trends and insights on fintech, sports, media & entertainment.
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Sports
When the Game Ends - The hard truth about sports careers in India
The Pickleball mania: Are there no other investment opportunities in sports?
Fintech
The new payment orchestrator playbook
Open Banking - what's missing in India's Account Aggregator network?
From card to credential networks - Visa & Mastercard's next move
Decoding Fintech IPO's - the difference in public & private valuations
Neobanks, eSIMs and telecom - the rise of sticky financial ecosystems
How do we monetize in the age of DPI?
The AI Money Movement Layer
UPI
The UPI dilemma - when the infra & apps are commodities
Privacy
Your apps are spying on you and privacy laws don't care

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