| | March 20206EditorialFinancial services has historically been one of those segments wherein implementation of new technology must be done after exercising due diligence to assess its implications as there is more than ROI at stake. With time, however, FinTech developments have broken down barriers and new technology adoption has enabled startups to compete with the large players of the industry. With the evolution of FinTech operations, more and more conventional banking functions have come under the purview of disruptive technologies where they can make transformational impact. Although, in order to harness the true potential of these technologies, there needs to be a balance between talent and risk. As a result, more traditional institutions are going to modernize their infrastructure to remain competitive in FinTech space. Hence, we are seeing more FinTech capabilities among the offerings of traditional financial institutions and there is more number of options available to consumers looking for financial products with new functionalities. Big data and artificial intelligence have helped process, store, and drive insights from the data, making way for hyper-personalization on an unprecedented scale by leveraging the information about their customers' behavior and social and browsing history. AI is facilitating real-time omni-channel integration of these insights to deliver a personalized one-to-one marketing experience for their customers at the time when the information is most relevant and useful. Conversational interfacing is another area making huge progress owing to natural language processing and speech generation. Conversational banking is forcing the next wave of digital growth. Artificial intelligence chatbots are skyrocketing and becoming an essential part of our daily life. It is developments like these that are enticing startups to make hay out of them. In this issue, CIOReviewIndia brings to you the list of 20 Most Promising FinTech Startups who have made their mark in this domain with their technology acumen and industry expertise. These startups have kept abreast of the new technological advancements in this segment and have leveraged them to their full potential. We hope this issue gives you helpful insights into this market landscape. Sudhakar SinghEditorsudhakar@cioreviewindia.comPersonalization and Democratization Gain Ground in FinTech VOL 7 · ISSUE 12-1 · MARCH 11 - 2020PublisherOffice Editorial queries editor@cioreviewindia.com To subscribeVisit www.cioreviewindia.com/magazine/ or send email to: subscription@cioreviewindia.comCover price is Rs 150 per issueAshok KumarVirupakshi PattarAlok ChaturvediGroup Art DirectorVP - Sales and MarketingMagendran PerumalCirculation ManagerEditorial TeamCIOReviewIndiaNo. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugheshpalya, Bangalore-560017Vetrivel SSivasankar SEditorSudhakar SinghVisualizersAdvertising queriessales@cioreviewindia.comBangaloreTel 080 46441103Sales and MarketingAmrit SinghIndranil ChakrabortyRavi Kalgi Madan D SNagendra KumarPrinted and published by Alok Chaturvedi on Behalf of Bizprint Media Technologies Pvt Ltd and Printed at Precision Fototype Services at Sri Sabari Shopping Complex, 24 Residency Road Bangalore-560025 and Published at No. 124, 2nd Floor, Surya Chambers, Old Airport Road, Murugeshpalya, Bangalore-560017. Copyright © 2020 Bizprint Media Technologies Pvt Ltd, All rights reserved. Re-production in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher.Neha SharmaLakshmi GSamrat PradhanTeja BoncheruvuJanifha EvangelineSuchita GonsalvesNoidaTel 120 4639300
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