Marcel van Oost

Founder/CEO 

Email for brand collaboration: bonjour @ marcelvanoost.nl 

About me:

What do I want to become when I grow up? That's a question I asked myself for a long time. My childhood dream, playing for Ajax, was soon out of the question (I wasn’t even close…). So what's next? 

I studied Communication & Media, dropped out, and started working at an Acquiring Bank.

After these first steps in the Payments Industry I founded a Payments consultancy business, followed by a Collecting Payment Service Provider, with an exit in 2017. 

Nowadays I'm back in (FinTech-) Media, and invest as an Angel Investor in FinTech startups on the side.

NO, I don't do any speaker gigs, podcasts, webinars etc. 

I DO share the latest FinTech Industry trends and news updates here on Linkedin, and in my daily newsletter. 👉 Get the most important FinTech news and analysis in a 5 minute daily briefing you’ll actually look forward to reading, by signing up here: https://www.connectingthedotsinfin.tech

Investor

Did you know that one of the biggest economic miracles of the 21st century is happening just a two-hour flight away from my hometown Amsterdam?

It’s happening in Poland 🇵🇱

And the numbers are remarkable.

Between 1990 and 2026, Poland’s economy grew roughly 17-fold.

In 1990, Poland’s economy was smaller than Ukraine’s. 

Today, it’s larger than the economies of 14 Eastern European countries combined 🤯

On a per-capita basis, Poland is now roughly as wealthy as Japan 🇯🇵

So why aren’t we talking about this?

If this had happened in Silicon Valley, Netflix would already have made three documentaries about it.

If this had happened in Asia, dozens of books would have been written.

But because it happened in Europe, it’s strangely quiet.

Europe 🇪🇺 still has a lot of work to do, but let’s not forget one thing:

Europe performs. We just don’t celebrate it enough.

Thanks for sharing this Jona van Loenen (source piece here https://lnkd.in/dRM4kmB7)! I couldn’t agree more, so I translated it into English to give it a bit more visibility 👌

Thoughts?

🚨𝘽𝙍𝙀𝘼𝙆𝙄𝙉𝙂: Stripe has expressed interest in acquiring all or parts of PayPal!

Let that sink in.

Stripe, still private, still founder-led, potentially making a move on one of the original digital payments pioneers 🤯

This is early-stage and nothing is confirmed: https://lnkd.in/djESepSw

But strategically? It’s fascinating.

If Stripe were to acquire PayPal (or pieces of it), it would mean:

• Massive merchant + consumer network consolidation
• Combining Stripe’s developer-first infrastructure with PayPal’s global wallet base
• Instant scale in Venmo, branded checkout, and global licenses
• A new competitive dynamic vs Visa, Mastercard, Adyen — and even Apple

It would also mark a generational shift.

Stripe represents the API-driven, infrastructure-native era of FinTech.

PayPal represents the first wave of internet payments.

A deal like this wouldn’t just be M&A.

It would be symbolic.

We’re watching the potential consolidation of two decades of digital payments evolution into one entity.

Now the big questions:

– Would regulators allow it?
– Does Stripe want the full company or just strategic assets?
– Is this opportunistic timing around PayPal’s valuation?

If this goes anywhere, it reshapes the global payments landscape overnight.

What do you think? 

Bold strategic masterstroke or integration nightmare waiting to happen?


P.S. Earlier today, news broke that Stripe has surged from $92B to $𝟭𝟱𝟵 𝗕𝗜𝗟𝗟𝗜𝗢𝗡 valuation in just 12 months through a new employee share sale: https://lnkd.in/dSvGXcHj

Stripe is lining up a new tender offer, valuing the company at $𝟭𝟰𝟬 𝗕𝗜𝗟𝗟𝗜𝗢𝗡 🤯

I repeat:

Stripe is preparing a new tender offer that would value the company at at least $140 billion, according to Bloomberg (https://lnkd.in/dRqAYHBF), a jump of more than $30 billion from its ~$107B valuation last year: https://lnkd.in/e68nNrGJ

The move reinforces a pattern Stripe has leaned into since 2024: frequent secondary transactions that give employees liquidity without the pressure of going public. 

In other words, Stripe is behaving like a public company, just without the ticker.

Importantly, the fundamentals now support that confidence. Stripe reached full-year profitability in 2024, hasn’t raised primary capital since its $6.5B Series I in 2023, and continues to scale across core payments while expanding into new rails. 

Recent acquisitions of Bridge and Privy signal a serious effort to embed stablecoins and crypto infrastructure directly into its payments stack.

Despite a modest workforce reduction last year (~3.5%), Stripe continues to hire and invest, suggesting the restructuring was about efficiency, not retrenchment.

The takeaway is clear: Stripe doesn’t need the public markets.

With scale, profitability, and private liquidity in place, an IPO is no longer a necessity, it’s an option.


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🚨 𝘽𝙍𝙀𝘼𝙆𝙄𝙉𝙂: Revolut eyes $𝟭𝟬𝟬 𝗕𝗜𝗟𝗟𝗜𝗢𝗡+ valuation 🤯

And sets IPO ambitions at $150B:

Revolut is considering a fresh sale of shares in the second half of this year, people familiar with the matter said: https://lnkd.in/dpwR9sba

After being valued at $75B last year (up from $45B in 2024), investors are now pushing for a process that would price the company at $100B+ in the secondary market.

And here’s the bold part:

Through an eventual listing, Revolut is said to be targeting a valuation of at least $150 BILLION 🤯

That would put it in the same conversation as global banking heavyweights, and far ahead of most FinTech peers.

This comes on the heels of Stripe’s $159B valuation revealed yesterday: https://lnkd.in/dSvGXcHj

A few important signals:

• Previous rounds were consistently oversubscribed.

• Major names like Andreessen Horowitz, Fidelity Management & Research Company, Franklin Templeton and NVentures (the VC arm of NVIDIA Corp) are already on the cap table.

• 2025 revenue reportedly tracking toward £4.1B ($5.5B)

Revolut isn’t just raising capital.

It’s building scarcity before going public.


Are we witnessing the emergence of Europe’s first true $150B tech giant?


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🚨𝗝𝗨𝗦𝗧 𝗜𝗡: Revolut just got the green light to test a UK 🇬🇧 stablecoin.

And it’s happening while they’re still in regulatory limbo…

Despite still being in regulatory “mobilisation” for its UK banking licence, Revolut has been selected by the Financial Conduct Authority to join its stablecoin sandbox.

Out of 20 applicants, only four firms were chosen.

Revolut will test a pound-denominated stablecoin, fully backed by UK reserve assets, designed for:

→ Payments
→ Settlement
→ Crypto trading

This comes at an interesting moment:

• UK sterling stablecoins are worth < $5m today
• US dollar stablecoins exceed $300bn
• The UK wants to finalise its stablecoin framework this year

While Revolut is still awaiting full UK lending approvals and remains limited in deposits during its banking “mobilisation” phase, this sandbox approval signals regulatory trust.

The bigger picture:

The UK clearly doesn’t want to fall behind the US and EU in the stablecoin race.
And Revolut is positioning itself right at the centre of that shift.

If this goes live, it could be one of the first serious attempts at a mainstream GBP stablecoin inside a regulated FinTech ecosystem.

Source/more info: https://lnkd.in/duYCYtjN

My Question for you:

Do you think sterling stablecoins can realistically compete with digital dollars, or will USD dominance remain untouchable?

Stripe Strategy Map 👇

Stripe’s latest strategy signals one thing clearly: 

They’re positioning themselves as the financial operating system of the next economy.

If you connect the dots, this is what I see unfolding in 2026:

→ M&A remains core to the playbook.

Further acquisitions to tighten control over the full financial stack feel inevitable.

On that note, check out the latest rumor about Stripe potentially acquiring PayPal 🤯 https://lnkd.in/dHpMX7UM

→ Crypto infrastructure goes default.

The $1.1B Bridge deal plus the Tempo blockchain launch put Stripe at the center of stablecoins moving from niche to primary rails, especially for AI-driven transactions.

→ Agentic commerce accelerates.

Partnerships with Salesforce, OpenAI, and Anthropic position Stripe as the payment backbone for autonomous AI activity.

📷 Source: CB Insights


If Stripe continues this trajectory, 2026 could become the most important M&A year in payments history.

Who’s next on their shopping list?

Thoughts?

Africa has 12 companies valued at $1B 🦄 or more, and 8 of these 12 are FinTech companies 🤯

Here's the full list of African FinTech unicorns:

2. Flutterwave — $5.2B, 🇳🇬 — Payments infrastructure for businesses across Africa

3. OPay — $2.8B, 🇳🇬 — Mobile payments and financial services, backed by Opera/Beijing Kunlun Tech Co Ltd (SZ:300418)

4. Wave Mobile Money — $1.7B, 🇸🇳 — Mobile money platform for West Africa, competing with telco wallets

5. Tyme — $1.5B, 🇿🇦 — Digital bank operating in South Africa and Philippines, backed by Nubank

7. Fawry — $1.4B, 🇪🇬 — Egypt's largest electronic payments platform, Cairo-listed

10. Interswitch Group — $1.0B, 🇳🇬 — Payment switching and processing infrastructure

11. MNT-Halan — $1.0B, 🇪🇬 — Fintech super-app for lending, payments, and e-commerce for the unbanked

12. Moniepoint Group — $1.0B, 🇳🇬 — All-in-one payments and business banking platform, profitable at scale

📷 Source: Multiples.vc


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👀 A mobile payments was successfully sent from a user of 🇪🇸 Spain’s Bizum to a BLIK user at 🇵🇱 PKO Bank Polski, further proving that European 🇪🇺 mobile payment systems can work seamlessly together.

Each such transfer brings us closer to full interoperability across Europe, building a solid foundation for a truly integrated digital payments market.

"The first phone-to-phone transfer from Spain to Poland is a milestone on the path to making interoperability between European systems a standard. Further tests and the expansion of partnerships are intended to bring us closer to the moment when a cross-border phone-number transfer will be as simple as a local P2P transaction – something nearly 450 million Europeans are waiting for" - says Dariusz Mazurkiewicz, CEO of BLIK.

Source/more info: https://lnkd.in/dMbg64iQ


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Stablecoins look instant on the surface. Underneath, it’s a full payments stack.

If you’re building or investing in stablecoin rails, it helps to think in layers:

The 𝗦𝘁𝗮𝗯𝗹𝗲𝗰𝗼𝗶𝗻 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗣𝘆𝗿𝗮𝗺𝗶𝗱 (great graphic by Michael Ngo at TransFi 👇)

Every real-world stablecoin payment runs through all of these layers:

►	𝗙𝗶𝗮𝘁 – USD, EUR, JPY. The credibility anchor.
►	𝗜𝘀𝘀𝘂𝗲𝗿𝘀 – minting fully-backed stablecoins (USDT, USDC, etc.).
►	𝗡𝗲𝘁𝘄𝗼𝗿𝗸𝘀 – Ethereum, Solana and others where settlement actually happens.
►	𝗟𝗶𝗾𝘂𝗶𝗱𝗶𝘁𝘆 𝗣𝗿𝗼𝘃𝗶𝗱𝗲𝗿𝘀 – FX, pricing, and conversion between rails and tokens.
►	𝗖𝘂𝘀𝘁𝗼𝗱𝘆 – securing assets, keys, governance, MPC.
►	𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 – transaction monitoring, sanctions, traceability.
►	𝗠𝗶𝗱𝗱𝗹𝗲𝘄𝗮𝗿𝗲 𝗔𝗣𝗜𝘀 – abstracting blockchain complexity into payments infra.
►	𝗪𝗮𝗹𝗹𝗲𝘁𝘀 – addresses, keys, and transaction UX for users and apps.
►	𝗗𝗲𝗙𝗶 – yield, lending, liquidity, capital efficiency.
►	𝗥𝗮𝗺𝗽 𝗟𝗮𝘆𝗲𝗿 – on/off-ramps that connect crypto back to local bank accounts.

My takeaway: adoption accelerates when the last mile disappears. Users don’t want “a stablecoin strategy”, they want payroll, payouts, and checkout that just works.

Which layer is the biggest bottleneck right now: liquidity, compliance, or ramps?


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🚨𝗝𝗨𝗦𝗧 𝗜𝗡: Revolut enters the Global 500 for the first time, and is the fastest-growing brand on the list, with Brand Finance valuing its brand at $6.6 billion, up 239% year-over-year 🤯

Apple retains its position as the world’s most valuable brand with a 6% brand value growth to USD607.6 billion. 

Source/more info: https://lnkd.in/dWeg4qBJ


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🚨 Amazon adds 𝗣𝗮𝘆 𝗯𝘆 𝗕𝗮𝗻𝗸 in the UK 🇬🇧

That’s a big signal for where checkout is heading:

UK customers on Amazon can now pay directly from their bank account. 

No cards, no expiry dates, biometric approval via their banking app.

What stands out:

• Card-free checkout powered by bank rails
• Instant refunds back to the bank (minutes, not days)
• Prime subscriptions soon included
• Covered by Amazon’s A-to-Z Guarantee + UK Payment Services Regulations (up to 13 months protection)

Cards (Visa, Mastercard, Amex), instalments (Barclays), gift cards, and points aren’t going away, but this is Amazon clearly normalising Pay by Bank at massive scale.

Source/more info: https://lnkd.in/ddaP7Vzw


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🤯 The hard reality: two American companies process the vast majority of Europe’s 🇪🇺 card transactions 👇

The CEO of the European Payments Initiative (EPI Company) Wero, Martina Weimert, just “urgently” called in the FT for European alternatives to the dominant card schemes: https://lnkd.in/dNaiQ_P4

Let’s look at the numbers (📷 below👇).

In C2B card transactions across Europe, the overwhelming share runs on the rails of:

👉 Mastercard
👉 Visa

And that doesn’t even include co-branded cards 🤯

The ambition is clear.

The real challenge?

Building enough scale and merchant acceptance to rival networks that have compounded for 50+ years.

In payments, network effects are brutal.

Do you think Europe can realistically build a third global scheme?


📷 Source: Raynor de Best

🚨 Mastercard and MetaMask have officially launched the MetaMask Card.

I really like how this looks. What do you think? 

150M+ merchants.
Apple Pay & Google Pay compatible.
Full self-custody until the moment of payment.

Issued via Cross River Bank and powered by Mastercard’s global rails, this is crypto spending without pre-loading an exchange.

And there’s a $199/year Metal version with 3% cashback.

Would you use it?


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The Public FinTech Companies ranking by Performance this week 📈📉 

Here are the big movers of the week: 

🏦 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗯𝘆 𝗠𝗮𝗿𝗸𝗲𝘁 𝗖𝗮𝗽

At the top, little changes.

Visa ($610.2B, -0.25%) remains the largest publicly listed FinTech company globally. 

Mastercard ($461.3B, -0.85%) follows, with American Express ($212.1B, -10.77%) maintaining third position despite a sharp weekly decline.

Nubank ($72.6B, -14.55%) holds fourth place but recorded one of the steepest drops among large-cap names. 

Robinhood ($68.3B, -1.65%) and Coinbase ($46.4B, +2.21%) continue to anchor the crypto-exposed segment.

Block ($38.4B, +19.33%) climbs in attention if not yet in ranking, delivering one of the strongest weekly gains in the entire FinTech universe. 

Adyen ($37.1B, -0.30%), Fiserv ($33.3B, +1.30%) and FIS ($26.2B, +3.06%) posted relatively modest movements.

Circle ($19.6B, +30.03%) stands out as the week’s strongest performer, despite ranking 14th by market cap.

📉 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗯𝘆 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲

Performance rankings tell a different story than market cap.

Circle leads the week (+30.03%), followed by Block (+19.33%) and Worldline (+16.94%). 

Nexi (+12.79%), PayPal (+10.70%) and PicPay (+10.19%) also posted double-digit gains.

The concentration of top performers in payments infrastructure and crypto-linked companies suggests renewed investor appetite for operational leverage and exposure to digital asset flows.

At the bottom of the ranking, Nubank (-14.55%) recorded the weakest weekly performance among major players. 

American Express (-10.77%), Marqeta (-10.07%) and Bakkt (-9.98%) also closed the week significantly lower.

The divergence between size and momentum remains pronounced.Want more of his? Sign up for 𝗙𝗥𝗘𝗘 for my weekly "𝗛𝗼𝘄 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝘀" newsletter that distills the most important financial and strategic developments in the FinTech sector into 5️⃣ clear, data-driven charts: https://lnkd.in/dVSCSSHx


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(It’s free, but means a lot to me 👍)

👀 Apple is finally coming for 🇮🇳 India’s payments market.

And this is bigger than it looks.

According to Bloomberg (https://lnkd.in/dQ5EWHg8), Apple Inc. is in talks with:

• ICICI Bank Ltd.
• HDFC Bank Ltd.
• Axis Bank Ltd.
• Mastercard Inc.
• Visa Inc.

To launch Apple Pay in India around mid-2026.

But here’s the real strategic twist:

Apple Pay in India is expected to support:

→ Card payments
→ AND India’s state-backed UPI (Unified Payments Interface)

That’s critical.

India is not a card-first market.

It’s a UPI-first market.

National Payments Corporation of India built a real-time, bank-to-bank system that dominates digital payments across 750M+ smartphone users.

If Apple integrates UPI properly, this isn’t just a wallet launch.

It’s Apple embedding itself directly into the rails of the world’s fastest-growing digital payments ecosystem.

The big question is:

Will Apple become a meaningful payments player in a UPI-dominated market?

Or will it remain a premium-layer experience for the top 10% of users?

India might be the most important services battleground for Apple this decade.


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Revolut is once again the fastest-growing banking brand globally. 
Its brand value has more than tripled (+239%) to USD6.6 billion in 2026, following almost eightfold growth the year before 🤯

Chinese megabanks - led by ICBC (Asia) , which has held the title of the world’s most valuable banking brand for a decade, continue to dominate the global top 10. 

U.S. giants also maintain a strong presence among the top 10, including Bank of America and Chase in fifth and sixth place respectively, reinforcing the scale of the American banking sector. 

The UK’s HSBC remains the most valuable banking brand in the UK, and in wider Europe, a position it has held for more than a decade, and has re-entered the world’s top 10 most valuable banking brands for the first time since 2019. 

With a brand value of USD33.7 billion in 2026, its rise reflects a strong valuation base and strategic repositioning, including disinvestments in non-core markets to sharpen focus on key regions like Hong Kong, the UK, and wider APAC. 

Source: Brand Finance


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My top 10 FinTech News Updates you don't want to miss today.

I’ve sourced and listed the most important FinTech news so you don't have to:

1️⃣- Revolut and PayPal Pass on St. Maarten… And That Says a Lot

2️⃣- Top Banking Trends 2026: The Ultimate List of Innovations by DashDevs LLC

3️⃣- Social Engineering: Solving the Most Difficult Fraud Challenge with André F., CEO and Co-Founder of Incognia

4️⃣- Prudential Bank Ghana and Mastercard Deepen Ties to Drive Ghana’s Digital Payment Growth

5️⃣- DANA Indonesia Eyes IPO on Indonesia Stock Exchange

6️⃣- ZEN.COM Grows Globally without Chasing Super-App Status

7️⃣- WafR Raises USD 4M Seed to Scale Embedded Retail Finance in Morocco

8️⃣- Inscope Nabs $14.5M to Solve the Pain of Financial Reporting

9️⃣- Hyperliquid Web3 'SuperApp' Based Raises $11.5 Million Series A

🔟- Crowdcube and London Stock Exchange Group Launch First Offer Via a TPEIC

Read the complete newsletter for more news updates, insights, and the best #fintechreport below👇

This newsletter also includes: Igor Tomych, Alin Becheanu, CFE, CAMS, ING, Sune Gabelgård, EPI Company, OakNorth, Gergely Zaborszky, Pine Labs, Shalini Pillai Banerjee, FIS, Monzo Bank, Binance, BNP Paribas, Crypto.com, Kindo, Tillo, Razorpay, superU AI, and more!

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Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ]
Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]

#fintech #fintechindustry #financialtechnology #payments #paytech #openbanking#regtech #blockchain #bankingtech #digitalbanking #neobank #challengerbank #openfinance #fintechnews

View newsletter: Connecting the dots in FinTech

Hey FinTech Fanatic! This morning in Curaçao, I started the day the way I often do lately. Early sun. Coffee outside… A deep scan of the headlines bef

Open article: Revolut and PayPal Pass on St. Maarten… And That Says a Lot by Marcel van Oost • 8 min read

Revolut and PayPal Pass on St. Maarten… And That Says a Lot

Here are the latest Payments News Updates you don't want to miss today.

I’ve sourced and listed the most important Payments news so you don't have to:

1️⃣- PayPal Draws Takeover Interest After 46% Market Cap Slide

2️⃣- 15M-User Neobank Authenticates 92% of Instant Payments Frictionlessly Using Incognia’s Device & Location Intelligence

3️⃣- Prudential Bank Ghana and Mastercard Expand Partnership to Accelerate Ghana’s Digital Payments

4️⃣- Razorpay and superU AI Target Frictionless Commerce Through Agentic Payments

5️⃣- Philippine FinTech BCRemit Expands Remittance Services to 23 Countries

6️⃣- Pine Labs Awarded Multi-Year Contracts by the Top 3 Indian OMCs

7️⃣- Online Payment Platform and SUNMI Partner to Democratise Payment Monetisation for SaaS Platforms across Europe

8️⃣- Kindo Partners with Tillo to Bring Rewards to Childcare Payments

9️⃣- Green Banana BNPLX.io and VR Payment GmbH Partner for BNPL Orchestration

🔟- Visa’s Proposed Deal Rejected by Mexico’s Antitrust Watchdog

Read the complete newsletter for more news updates and insights, and to get the most important Payments news and analysis from around the world!

This newsletter also includes: Arthur Bedel 💳 ♻️, Checkout.com, André F., Alin Becheanu, CFE, CAMS, ING, Sune Gabelgård, EPI Company, Shalini Pillai Banerjee, ZEN.COM, WafR, DANA Indonesia, Hyperliquid, Revolut, RevSpring, TrustCommerce®, and more!

Find this helpful? [ 𝗿𝗲𝗽𝗼𝘀𝘁 ]
Anything to add about this subject? [ 𝗶𝗻𝘃𝗶𝘁𝗲𝗱 𝘁𝗼 𝗰𝗼𝗺𝗺𝗲𝗻𝘁 ]
Nice story, Marcel. Next! [ 𝗹𝗶𝗸𝗲 ]

#payments #paytech #paymentsolutions #paymentservices #paymentindustry #paymentprocessing #digitalpayments #onlinepayments #fintech #financialtechnology #fintechindustry

View newsletter: Connecting the dots in PayTech

Hey Payments Fanatic! PayPal is reportedly attracting takeover interest after losing roughly 46% of its market value over the past year. According to 

Open article: PayPal Draws Takeover Interest After 46% Market Cap Slide by Marcel van Oost • 7 min read

PayPal Draws Takeover Interest After 46% Market Cap Slide

Paytm

Director of Product Management

Building payment platform for the new generation's payment needs

Senior Group Product Manager

Group Product Manager

Paytm is India’s largest mobile payments and commerce platform, with a scale of over 280 Million registered users and 20 Million merchants accepting payments through Paytm. I am the product owner for payment flow. 

1.	Auto App Invoke: Invoke Paytm App for payment on 3rd party merchants like Myntra, Jio, bewakoof.com, etc. I led this project end to end, launched the MVP within a span of 3 weeks only, It helps in ~10% jump in success rates
2.	Collect App Invoke: Collect App Invoke is built to support Paytm Add n pay Payments on Flipkart during BBD, I led this flow and delivered the same within a span of the week only, this helps to improve the success rates ~20% for add n pay payments
3.	Paytm Alipay Connect for International Merchants: To enable Paytm payments on international merchants we had started the project with Alipay, where Alipay is already a technical partner for these merchants and Paytm will provide the payment services for the Indian market to these merchants.
4.	Integration Builder:  I have conceptualized the payment integration builder for the ease of merchant, which helps in merchant acquisition and improves the merchant integration experience with Paytm. The key metrics of this project is to enhance the merchant/developer experience and reduce the Paytm Integration time

Senior Product Manager

building and managing the property management system and consumer interfacing platform for OYO luxury segment  (3 Star, 4 Star, 5 Star, 7 Star)
*   building system to connect offline operation (housekeeping, meal ordering, Self Check in/check out) to online so that guest will avail these services in just few clicks, it takes the guest experience to the next level and improves the NPS.
*   building PMS system to manage and handle the operation at the property more effectively and efficiently which reduce the property operation cost by 30%

Product Manager 2

Paytm Acquiring Platform: Payment acquiring platform is responsible for accepting 16 million payment request and process the payment daily, as per the business needs and rules, this module supports payment, refund, cancellation, order modification, order status, and settlement functions. I was managing, building and upgrading the platform payment products as per the market and the consumer need.
Built App Invoke, Custom Checkout Payment flow, Agreement payment Payment flows, Instant Refunds Products from concept to development to launch to enhancements. 
*  Launched developer portal for the ease of 3rd party developers and DIY integration of payment flows which helps to onboard 200 merchant daily
*  Launched Android SDK, IOS SDK, WEB SDK & Plugins for the ease of developers and speed up the integration process with third-party developers, using these kits developers can integrate the Paytm PG in just few minutes.
*  Launched Paytm App-based payment flow which helps in reducing the payment time by 50% and increases the success rate by 30% for consumers.

Product Manager

Lead the Paytm integration development team, Developing the libraries, SDK, developer kits for merchant so they can easily integrate the Paytm with their platforms some of the major projects are 

•	UPI Payments: being a part of UPI development team gather the initial requirements for the UPI system, finalized the technical flow and ensure the system security 
•	Shopify integration: developed a module in ruby, deploy and QA it on Shopify platform so merchants can enable the Paytm to collect payment in just few clicks.
•	Dominos integration: developed a stand-alone application and deploy it on dominos system so they collect the payment via Paytm.
•	kits for open source ecommerce: developed the kits for the ecommerce based platform so the merchant can upload the same on their open source e-commerce platform and start the collecting payment via Paytm.
•	Paytm SDK: developed the Android and IOS SDK with respective teams for merchants, so the merchant tech team can integrate the same in his App and start collecting payments via Paytm.

Technical Lead

The Indian Square

The Indian Square is an online platform retailing of women's accessories and antiques
•	Setup and manage theindiansquare.com as part of the leadership team
•	Managed product development and digital marketing activities
•	Planning growth strategies and creation of deals 
•	Liaise with logistics partners and vendors.

Co Founder

EMM Software Limited

Developed and maintained the open-sourced and highly customized e-commerce platform, worked on functionalities like express checkout, automatic invoicing, CRM solutions, Clocking system for employee management, cart system, lazy load, gift coupon, shipping modules, payment gateway integration, etc

Senior Software Engineer

Experienced Internet Product Manager with demonstrated history across digital payments, property management systems and e-commerce domains. Skilled in Requirement Analysis, Product Management, and Technical Development 



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