TheFinTouch’s Post

2026 is coming in fast. In the US, people are already talking about “AI integration budgets” as a fixed line item in healthcare, not as a pilot. Hospitals want software that’s ready to audit, deploy and scale, no excuses. And on the other side, Latin America is stepping in with senior talent that actually understands compliance, security and product. Nearshore stopped being the “cheaper alternative”. It’s real availability in the same time zone when projects get stuck. Our take is that 2026 will separate teams that can execute from those that only announce things. And LATAM has a huge advantage there. #Nearshore #DigitalHealth

When I joined 𝗖𝗵𝗼𝗶𝗰𝗲 nearly 13 years ago, “𝘁𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆” mostly meant keeping the equity broking engine running. Today, it sits at the centre of how we think about growth, risk and inclusion across equities, insurance, NBFC, government projects and asset management. Grateful that this journey has been captured in a recent feature not as a story of tools, but of how a tech team can become a business partner, not a service provider. Over the years, a few principles have shaped how we work at Choice TechLab: —> 𝗘𝗺𝗯𝗲𝗱 𝘁𝗲𝗰𝗵 𝗶𝗻𝘀𝗶𝗱𝗲 𝗯𝘂𝘀𝗶𝗻𝗲𝘀𝘀, not next to it Our teams share KRAs with business: adoption, error reduction, turnaround times, not just “feature delivery”. —> 𝗜𝗻𝘁𝗲𝗴𝗿𝗮𝘁𝗲 𝗹𝗲𝗴𝗮𝗰𝘆, don’t declare war on it From rebuilding only where absolutely necessary to building middleware and a unified platform (“Connect”) that gives employees, partners and branches one login for everything. —> 𝗧𝗿𝗲𝗮𝘁 𝗔𝗜 𝗮𝘀 𝗮 𝘃𝗮𝗹𝘂𝗲 𝗹𝗲𝘃𝗲𝗿, not a vanity project Narrow POCs, clear success metrics, and then scale. That’s how we’ve seen 30–35% faster deployments and 20–25% better coding productivity with humans very much in the loop. —> 𝗠𝗮𝗸𝗲 𝘀𝗲𝗰𝘂𝗿𝗶𝘁𝘆 𝗮𝗻𝗱 𝗹𝗲𝗮𝗿𝗻𝗶𝗻𝗴 𝗻𝗼𝗻-𝗻𝗲𝗴𝗼𝘁𝗶𝗮𝗯𝗹𝗲 Security by design is now part of developers’ KPIs. Upskilling isn’t optional; it’s built into our KRAs and review cycles. None of this would have been possible without early conviction from our Group MD, 𝗞𝗮𝗺𝗮𝗹 𝗣𝗼𝗱𝗱𝗮𝗿 𝗦𝗶𝗿, who backed an in-house tech team long before it was fashionable and the teams across Choice who trusted us enough to co-own outcomes, not just requirements. If you’re building tech inside a financial services organisation (or wrestling with legacy, AI and adoption), do share you're approach. Express Computer #TechTransformation #BusinessPartnership #LegacyIntegration #AIValue #SecurityByDesign #FinancialServices #InnovationJourney #GrowthMindset #ChoiceTechLab

Digital infrastructure is quietly becoming the real competitive edge. Most companies still talk about apps, features, and AI. Very few talk about what actually decides speed, resilience, and scale: the infrastructure underneath. What I’m seeing clearly: • Monoliths are becoming liabilities • APIs are replacing “systems” • Event-driven and real-time > batch and manual • Infrastructure is shifting from supporting the business to defining what the business can do The winners are not those who adopt every new tool. They’re the ones who design infrastructure that can change direction fast without breaking. Digital transformation today is less about innovation labs and more about boring, solid, well-architected foundations. If your infrastructure can’t evolve, your business won’t — no matter how good the idea is. hashtag #DigitalInfrastructure hashtag #TechnologyStrategy hashtag #Fintech hashtag #Architecture hashtag #DigitalTransformation

Why should something last forever? It's like asking for a pause on the evolution of things. Instead, we try to build software that adapts to the evolving needs of the business.

Every Tech System Has a Shelf Life Founders often expect software to last decades. But no system, however well-designed, survives this long without upkeep. Businesses evolve. Products change. Teams grow. Customer expectations shift. Compliance becomes stricter. New verticals open up. And when the business moves, the tech stack supporting it must move too. Two truths most people overlook 1. A system becomes irrelevant if the business outgrows it. If there’s no new investment, the system doesn’t “stay stable”. It slowly stops fitting the business reality. 2. Every asset needs maintenance to keep producing the same output. Software is no different. If you stop maintaining it, the quality of decisions, workflows, and data slowly declines. When a company clings to an outdated system, the signs show up everywhere: – Two parallel workflows start forming – Manual fixes creep in – System and the business stop matching – Teams work outside the product just to get things done – Multiple copies of the same data reappear At that point, the system isn’t supporting the business; the business is working around the system. At Oorani Labs, we design systems with a simple belief Systems should evolve with the business. As scale increases, the foundation must adapt. That’s not a failure, that’s our belief of how tech is supposed to work. Systems aren’t meant to last forever. They’re meant to carry you to the next stage. #TechStrategy #OoraniLabs #BuildingToLast #SystemsThinking #DigitalTransformation #AgriTech #SMEGrowth

Family Offices are entering a structural inflection point. For decades, their edge was built on access, relationships, and bespoke execution. Over the next decade, it will be built on intelligence, programmability, and speed. Two technologies are converging to redefine the operating model of Family Offices: Agentic AI. Not just analytics or dashboards, but autonomous, goal-driven agents capable of: - Continuously scanning markets and private opportunities - Structuring deals dynamically based on mandate and risk appetite - Orchestrating execution, reporting, and compliance in real time Agentic AI transforms Family Offices from reactive allocators into proactive capital operators. DLT & Asset Tokenization. Distributed Ledger Technology enables: - Tokenization of private assets (private credit, real assets, alternatives) - Near-instant settlement and programmable ownership - New forms of collateralization and liquidity for traditionally illiquid assets Tokenization turns private markets from opaque and fragmented into composable and interoperable. The New Paradigm. Together, Agentic AI and DLT unlock a new model: - AI-driven sourcing and structuring - Tokenized assets as programmable building blocks - Seamless settlement and collateralization - Real-time risk, governance, and reporting This is not incremental improvement. It is a new operating system for Family Offices. At Mondevo Group, we are building the platform where the next generation of Family Offices will grow. A platform designed to: - Embed Agentic AI at the core of decision-making and execution - Leverage DLT and asset tokenization to unlock private credit and alternative investments - Provide the technological rails—white-label, modular, and scalable—on which Family Offices can operate with institutional rigor and entrepreneurial speed Our ambition is clear: Enable Family Offices to operate like intelligent capital networks, not static balance sheets. The future Family Office will be: Data-native, Tokenization-enabled, AI-orchestrated, And it is being built now. #AgenticAI #AssetTokenization #DLT #FamilyOffice #PrivateCredit #DigitalAssets #MondevoGroup #FutureOfFinance

Technology enables change. Operations makes it sustainable. Across industries, real and lasting change happens when technology and operations work hand in hand. Apps, platforms, tools, and data provide insights, nudges, and visibility. Operations ensures those insights translate into timely action, meaningful conversations, and consistent follow-ups. Here’s how operations complements technology in driving behaviour change and outcomes: • Ensuring data leads to action, not dashboards • Enabling frontline teams to use tech insights effectively • Maintaining consistency and quality at scale • Closing the loop between user/customer behaviour, human intervention, and outcomes • Making sure the experience feels personal—even for thousands. At GOQii, I’ve seen that when technology empowers operations, people don’t just track activity — they create lasting habits. Successful businesses understand this well: Tech provides direction, and operations provides execution. #OperationsLeadership #BusinessOperations #TechnologyAndPeople #ExecutionExcellence #CustomerExperience #GOQii

Collaboration is the ultimate force multiplier. 🤝 Great insights here from our panelist, Sushil Kulkarni sir, on the blueprint for global scaling. His strategy—Design Globally, Deploy Locally—is how mid-size IT firms move from service providers to strategic assets. As Sushil sir says: "Integration is good, but collaboration is magic."

Recently, I had the privilege of sharing the stage with esteemed Founders, CXOs, Investors, Alliance Leaders, and Partners to discuss driving global growth through product innovation and strategic partnerships. When it comes to banking considering today’s competitive landscape, scaling globally isn’t just about launching products, it’s about building ecosystems. Here are my 2 cents: 👉 Product-Led Growth & Market Expansion: Design globally, deploy locally. Scalable, configurable, and compliant products accelerate adoption, reduce localization effort accelerate adaptability and customer-centric innovation. Each market has unique regulatory, cultural, and operational nuances, so success depends on building modular, API-driven products that can localize quickly while maintaining global standards. These experiences reinforced the importance of strong partnerships, agile delivery models, and data-driven insights to accelerate adoption and create sustainable growth. 👉 Co-Creation & Cross-Sell with Tech Partners: Integration is good, but collaboration is magic. Co-create solutions, share customer access, and unlock new revenue streams. Product firms or even fintech’s need to collaborate with tech players through API-driven integrations, joint GTM strategies, and embedded finance offerings. Leveraging hyperscaler ecosystems and shared data insights accelerates scale and unlocks deeper market penetration. 👉 Strategic Partnerships for Enterprise Scaling: Partnerships turn ambition into acceleration. Shared credibility and joint innovation help win large enterprise deals faster. Strategic partnerships provide access to established networks, credibility with enterprise clients, and complementary capabilities, be it cloud scalability, compliance frameworks, or even advanced analytics. By co-creating solutions and leveraging joint GTM strategies, we can accelerate adoption, reduce integration friction, and deliver holistic value that resonates with large enterprises. How do you plan to leverage partnerships and product-led strategies in-order to scale globally? Share your thoughts! #GlobalGrowth #ProductInnovation #Partnerships #FinTech #DigitalTransformation Thank you TransVenture - A tech Marketplace for giving me this opportunity. SuryaPrakash Jain Mohammad Afzal Khan, Rahul Bajaj, Krishna Gopal, Luis Diaz, Vicky Jain, CP Gurnani