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Future Tech

The Shift Towards Cashless Societies in Bangladesh

Building a Connected Financial Future in Bangladesh

Payment Systems

Qatar’s Payment System Modernization: A Blueprint for Regional Progress

What’s driving Qatar’s payment systems to outpace its neighbours—vision, strategy, or sheer ambition?

Blogs

Going beyond transactions and AI’s role in customer-centric banking

The emergence of AI-driven technologies is rewriting the playbook on customer engagement everywhere.

Green Banking

Funding a Greener Tomorrow: The Transformative Power of Green Finance

As climate change challenges the very fabric of our society, banks are uniquely positioned on the front lines of this transformation.

Digital Banking

Digital Banking Innovations in 2025: How Banks in Middle East are Set to Accelerate

Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!

Digital Banking

How Qatar’s Banking Sector Is Thriving Amid Global Economic Change

Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!

Digital Banking

How Qatar’s Banking Sector Is Thriving Amid Global Economic Change

Against the backdrop of global economic uncertainty, Qatar’s banking sector is charting an impressive course!

UPI

Convenience or Caution? Understanding the Impact of UPI on Indian Consumer Behaviour

For the modern Indian consumer, convenience is king. And UPI credit, with its promise of instant, hassle-free access to funds, has tapped into a need that traditional financial systems had long overlooked.

Blogs

Beyond the Algorithm: How Banks Can Blend AI with Human Touch for Better Customer Experiences

Discover how banks can combine AI efficiency with human touch to offer seamless, personalized, and trust-driven customer experiences in the digital age.

Oman banking system

The Future of Mobile-Only Banks in Oman: Are Traditional Banks Ready to Disrupt the Market?

With a population that is increasingly tech-savvy and reliant on mobile devices, the shift from traditional banking methods to digital, mobile-first solutions seems inevitable in Oman.

Gen Z - budgeting

Gen Z has figured out budgeting – and it’s actually smart and loud!

I’ve been thinking a lot about how different managing money is for Gen Z. I mean, it’s not just about saving a few extra rupees here and there; it’s about making every financial decision count

Open Banking

Navigating Open Banking: Focusing on What's Real in an Era of Hype

In an era dominated by digital transformation, the buzz around open banking has reached a fever pitch.

Personal Finance

From Goals to Reality! How Spinach Helps Customers Save Better for a Brighter Tomorrow.

In today’s world, the pursuit of financial freedom has become increasingly significant and why shouldn't it!

Financial Inclusion

The Road to Financial Inclusion: India’s Progress and the Path Ahead

From the days when banking was a luxury for city dwellers to the present day, where even the most remote villages have access to financial services, the country has made remarkable strides.

Digital Banking

The Story of How Interoperability is Turning Saudi Arabia's Digital Dream into a Reality

In Saudi Arabia, the banking sector is experiencing a quiet revolution. The reason? Interoperability—the ability for different financial systems and technologies to work together seamlessly.

Blogs

How Oman is Welcoming a New Era of Financial Innovation with API Banking

The banking landscape in Oman, is witnessing a tremendous shift. This shift is mainly driven by Application Programming Interfaces (APIs), which are rapidly reshaping the traditional financial sector into a dynamic ecosystem beaming with innovation.

Digital Banking

How is Multi-Bank Connectivity Breaking Down Barriers in Digital Banking?

Juggling multiple bank accounts with different logins and interfaces can be exhausting. Multi-bank connectivity simplifies this complexity, making cash flow management seamless.

Digital Banking

Balancing Innovation and User Experience: How Banks Can Thrive in the Digital Era

Isn't it incredible how fast the world of Fintech and digital payments is evolving? With new technologies popping up seemingly every day, the financial landscape is shifting quicker than ever.

Personal Finance

How Account Aggregation is Changing the Game in Personal Finance

Digital transformation is no longer just a buzzword; it's a reality reshaping the banking sector. One of the most significant advancements in personal finance is the rise of account aggregation.

Data and Analytics

Don’t Just Wonder How They Interact. Enhance User Engagement with Channel Analytics

User engagement data is a goldmine for banks! Let's put ourselves in our customers' shoes for a minute.

Future Talk

What's Next for Vietnamese Fintech? A Must-Read Guide for Banks and Partners

In the bustling streets and the tranquil rice fields, a digital revolution is quietly shaping the landscape of Vietnam’s banking sector.

Customer Experience

Turn Family Banking into a Personal Experience with Clayfin's PFM Solution – Spinach

Family banking has a broad set of definitions, with various sources suggesting different interpretations.

Open Banking

Role of Open Banking in Igniting a Robust Fintech Landscape in Oman

Open Banking is gaining traction globally and making significant strides in the Middle East, particularly in Oman.

Buzz

Going Beyond Cash: The Digital Payment Boom in Saudi Arabia

In recent years, Saudi Arabia has witnessed a significant surge in digital payments, a trend that is profoundly transforming retail transactions.

Buzz

Leveraging Personalised Insights for Enhanced Customer Engagement with Spinach

The impact of personalised nudges in banking is already evident. A study by the Financial Conduct Authority (FCA) in the UK found that personalised financial advice can improve financial outcomes for customers by up to 28%.

Buzz

How Does PFM Improve Customers' Mental Health?

Today, 72% of adults admit to experiencing mental stress due to financial responsibilities. This statistic underscores the growing recognition of the link between effective financial management and mental wellness.

Reality Bytes

Paving the Way to a Digital Bangladesh: The Fintech Journey So Far

Bangladesh stands on the brink of a digital revolution, one that promises to redefine the financial landscape of this vibrant South Asian nation.

Future Tech

Kuwait’s Forward-Focused Approach to Digital Banking: An In-Depth Analysis

Kuwait’s banking sector has truly become a pioneer in adopting advanced technology, especially highlighted by its response to the COVID-19 pandemic.

Channel Analytics

Optimising Omnichannel Experiences with the Power of Data and Channel Analytics

Amidst evolving customer demands, Middle Eastern banks are focusing on various key areas to elevate their services.

Current Tech

The Role of PFM in Transforming Digital Banking in the Middle East

A revolution is underway in the Middle East’s financial sector, characterized by dynamic shifts in consumer preferences and institutional practices.

Current Tech

Balancing Tradition and Innovation: The Middle East’s Leap towards AI-Driven Banking

Artificial Intelligence (AI) is a key factor in generating operational efficiencies and innovative customer service in the Middle Eastern banking industry.

Future Talk

Indian Banks On Generative AI for Financial Growth

Here’s a closer look at the state of financial institutions and Generative AI (Gen AI).

Current Tech

Open Finance: Traditional Banks' Gateway to Digital Transformation

Open finance is a game changer that can reimagine traditional banking with innovation and transformation. The idea may not be new to those in the industry, but its implications can drastically alter how the world handles money.

Current Tech

Leverage Spinach as the Next-Gen CDP

In this blog, we delve into understanding the drivers of digital transformation in rural Bangladesh and explore where it is headed.

Current Tech

How is digital banking innovation booming in rural Bangladesh?

In this blog, we delve into understanding the drivers of digital transformation in rural Bangladesh and explore where it is headed.

Open Banking

Surfing the Digital Dunes: Open Banking and Its Impact on Traditional Middle Eastern Banks

The Middle Eastern financial landscape is undergoing a major transformation, with institutions managing over $3 trillion in assets. This surge not only highlights the region's economic strength but also presents numerous opportunities for growth and development.

Reality Bytes

Banks in Bangladesh are going from traditional to trendsetting with m-banking

Over the past few years, Bangladesh's banking sector has seen great transformation. The advent of mobile banking has sparked a revolution, challenging traditions and presenting innovative opportunities.

Future Talk

Digital Banking Reinvented: Unleashing the Power of Gen AI in The Middle East

The Middle East (ME) is in the midst of an Industry 4.0 revolution, and digital transformation has been slowly making its way into the banking sector.

Buzz

Why the mind matters: Debunking digital banking customer journey and what’s within

Right at this moment, there are probably thousands of articles online harmonising one resounding message: banks must pivot to focus on a customer-centric strategy or pay the price.

Current Tech

Dong Goes Digital: Understanding the Future of E-Payments in Vietnam

Vietnam is undergoing rapid economic development. Propelling this progress is the expanding banking sector, dominated by disruptors who are bringing about a transformation with digital banking capabilities.

Buzz

Why are your customers looking for new banks? Decoding digital banking customer churn in Nepal

In this blog, you will explore why global banks, including Nepali banks, follow similar customer churn trends and how banks can nudge their customers to stay loyal and continue engaging with their digital banking platforms.

Buzz

Byte by Byte: How is Bangladesh Digitally Transforming the Banking Sector

The Bangladesh Bank (BB) has recently taken a major step towards expanding financial access for everyone. After rolling out their "Guidelines to Establish a Digital Bank" on June 15, 2023, over 50 banks have already applied

Future Talk

Winning Women in MENA: Here’s How the Women in Finance Are Stirring Up a Revolution

As we inch towards the end of 2023, the financial landscape has tremendously changed. A McKinsey report discovered that women are expected to exert significant influence over a substantial portion of the $30 trillion

Reality Bytes

Giải pháp Quản Lý Tài Chính Cá Nhân (PFM) giúp bạn hiểu, kiểm soát, sử dụng tiền một cách thông minh và có mục tiêu.

Năm mới sắp đến. Bạn nghĩ có bao nhiêu khách hàng của bạn muốn mua ô tô vào năm 2024? Hoặc đóng kỳ trả góp đầu tiên cho căn nhà mơ ước của họ? Có thể chúng ta không chắc, nhưng điều chúng ta biết là khách hàng cần những thông tin hữu ích và công cụ quản lý cần thiết để giúp họ chi tiêu và tiết kiệm hiệu quả.

Future Talk

Conquering the peaks of digital banking in Nepal

Nepal's journey into the realm of digital banking mirrors the global trend – a steady climb followed by a sudden leap into the digital age.

Reality Bytes

Cents and Sensibility: Crafting Better Relationships with Money Through Personal Finance Management in Vietnam

Personal financial management (PFM) in the realm of digital banking has been an area of significant promise, and continuous transformation across the world.

Reality Bytes

Giải pháp Quản Lý Tài Chính Cá Nhân (PFM) giúp bạn hiểu, kiểm soát, sử dụng tiền một cách thông minh và có mục tiêu.

Quản Lý Tài Chính Cá Nhân (PFM) trong ngành ngân hàng số đang là một lĩnh vực hứa hẹn và liên tục thay đổi trên toàn cầu. Ban đầu, PFM chỉ được coi là một tính năng bổ sung đơn thuần cho dịch vụ ngân hàng.

Blogs

Gen-Zers called; they want digital banking - And here’s how Vietnam is delivering

For banks in Vietnam, the main focus has to be to be innovative but obviously, that’s not the only thing on their plate. While they scope to climb high, they need a digital banking partner that tailors solutions that fit their client base.Transform your banking institution with innovative and personalised digital banking solutions from Clayfin.

Current Tech

What's next in banking: Digital technology's role in shaping Indian banking ecosystem

India's banking system is now experiencing a tidal wave of change that is reshaping the very bedrock of its financial landscape.

Current Tech

Leveraging A Product Approach To Scale Your Bank & Meet Growing Customer Needs

Choosing a product-based solution or platform-based solution plays a vital role for every business. The choice between product-based and platform-based solutions in banking.

Reality Bytes

From exclusion to empowerment: Driving digital financial inclusion in developing economies

COVID-19 significantly promoted financial inclusion. However, the World Bank reports that more than 1.4 billion adults worldwide remain unbanked. This is due to the presence of a level of inequality in accessing financial services now more than ever.

Digital Banking

Imagining a Cashless Utopia: A New Era for Digital Banks in Bangladesh

Despite the ongoing global digital transformation, where smartphones have become increasingly accessible to a larger population, Bangladesh remains significantly behind in embracing this digital shift.

Reality Bytes

Making Waves or Barely Staying Afloat? Accelerating Digital Transformation Retail Banking

In the ever-changing landscape of retail banking, a major transformation is underway! This digital wave is reshaping banking as we know it.

Future Talk

Surfing the Sand Dunes of Digital Finance: The Future of Saudi Arabia’s Digital Banking

In the digital banking world, Saudi Arabia was never considered a forerunner in embracing digital transformation compared to its other global counterparts. That is, until now!

Future Talk

Traditional Banking with a Modern Twist: Surviving the Neobanking Wave - Part II

How can a time-tested traditional bank survive the new wave of Neobanks? The story is as old as time: as new ideas and technologies dawn, the old order scatters to thrive.

Future Talk

Neo-Banks: A Disruptive Force or A Threat to Traditional Banks? - Part I

Neobanks have set the stage for a pivotal shift in banking. By operating solely online, they bid farewell to conventional brick-and-mortar branches, while also meeting the special needs of specific segments like millennials, Gen-Zs, and up-and-coming SMEs.

Customer Experience

Empowering The Boomers: The Importance of Senior-Friendly Digital Banking

Digitisation primarily targets Generation Z and Millennials due to their strong inclination towards online activities. However, a significant and untapped market for banks is senior citizens, who often get overlooked.

Banking

To Build Or To Buy? Why Buying Your Solutions Is The Right Decision To Make

Businesses are faced with choices every day. With every choice they make, some consequences follow. When investing in IT infrastructure, enterprises have two basic options: building or buying.

Blogs

Envisaging A Digital-First Bangladesh With Binimoy Interoperable Transaction Digital Platform (IDTP)

Interoperability has revolutionised banking for good. So much of our everyday life depends on computers' ability to exchange and effectively use the information available.

Blogs

Ways Digital Banking Can Transform Customer Experience in The Middle East

Digital banking has simplified many things for customers in the Middle East. Find out how digital banking can transform customer experience in ME.

Blogs

Fostering Middle East’s Digital Commerce Boom With Transformational Digital Banking

Vietnam is one of the fastest growing countries with a strong potential for rapid digital economic development. This was, however, not an overnight feat. The Department of Digital Economy and Digital Society set things in motion with several initiatives to digitally transform the country

Blogs

Nâng cao Tương tác Khách hàng của Việt Nam với các Giải pháp Ngân hàng Thông minh

Việt Nam là một trong những quốc gia có tốc độ tăng trưởng nhanh nhất và tiềm năng phát triển kinh tế số nhanh chóng. Tuy nhiên, đây không phải là thành tựu dđạt được qua một đêm. Cục Kinh tế – Xã hội số đã khởi động một số sáng kiến để biến đổi số hóa đất nước

Blogs

Top Digital Banking Trends To Look Out For In 2023

The need for a digital revolution in the banking sector was always apparent. However, the last decade saw tremendous growth in digital banking. Then the pandemic happened, and it only nudged the digital revolution further. While it has been interesting to witness the change so far, with the new year upon us, banks need to brace themselves and prepare for trends that will define the digitalisation of the banking space in 2023.

Blogs

Reimagining customer engagement by leveraging AI/ML in digital banking

Evolving technology means growing demands from customers. They begin expecting tools that are intuitive, seamless, and fast. Incidentally, these tools help banks advance by hitting their ideal customer engagement target.

Blogs

Top Eight Features Corporate Customers Look For In Their Banking App

Today, people enjoy the opportunity to do business and complete payments at home or on the go, also known as mobile banking. With multiple levels of digital transformation, corporate banking is expected to reinvent its identity altogether.

Blogs

Personal Financial Management - How Next-Gen Banking Solution Is A Boon For Both Banks & Customers

PFM tools are no longer a mere add-on in the banking industry. Due to market conditions that are constantly changing. Customers are increasingly demanding new features.

Blogs

How does digital banking support green banking?

We've been discussing how banking has changed over time, how far we've come, important digital trends that have replaced retail banking, and future developments in banking for a while now. We speculate and take part in the discourse.

Blogs

SME Digital Banking Guide: All You Need To Know

A global Accenture study that surveyed more than 2000 SMEs across 10 markets reveals how SMEs are more than willing to embrace modern digital platforms

Blogs

The Compelling Case For Digitization In NBFCs

If these affirming messages on Non-Banking Financial Companies (NBFCs) websites don’t encourage you to whip out your business loan application, perhaps the convenience and ease of banking with them will.

Blogs

Digital Transformation: A Step Toward Sustainability For Banks and Financial Institutions In Bangladesh - Part 2

Bangladesh Bank released the "Sustainability Rating 2021”, and it offers an interesting perspective on how dynamic the changes within the financial services space are in the country. Here’s some obvious proof.

Blogs

Digital Revolution in the Bangladesh Financial Market - Part 1

Digital disruption has been a key driver of Bangladesh’s growth, development, and unwavering resilience. Read more about the growth trajectory that has been defining the country’s digital narrative within the financial and banking services space.

Blogs

Part 2: Drivers of Change in Next Gen Banking: Why Retail Banks Need Digital Transformation to Survive

Leveraging AI in the financial sector has become almost mandatory. However, banks face many challenges in this regard. Here are few hurdles that the banking sector must overcome before reaping the full benefit of AI

Blogs

Part 1: Drivers of Change in Next Gen Retail Banking

AI-powered digitisation is a key growth tenet in the financial services industry. Here is Part 1 of the blog that explores the digital disruptors in today’s banking sector.

Blogs

Noteworthy banking CX transformations in ME in the recent past

Customer experience is the competitive differentiator in the Middle East banking industry today. Read this blog to understand the recent changes in the financial services industry of the ME.

Customer Experience

QR Codes: Consumer-driven innovation for a contactless banking experience

With an uptick in the number of smartphone users, payments through a QR code have become a massive hit among consumers everywhere. Read on to know how QR Codes driver for a contactless banking experience.

Proud to be recognised for meeting ISO security and quality standards!

ISO/IEC 27001:2022 Certification for Information Security in Implementation and Maintenance of Omni Channel Solutions.

Clayfin & Jana Small Finance Bank jointly wins IBSi 2024 Award

How did we become the regional winners?

Crafting Digital Customer Experience

Solutions that enrich customer life journeys

Banking Like Never Before

Seamless, Omnichannel and Efficient Solutions

Future Ready Digital Tools

Acquire > Engage > Transact > Manage

Prospecting Open Banking Possibilities

Enabling APIs to create new revenue opportunities

Learn how Clayfin built an award-winning Corporate/SME platform for Bandhan Bank

Experience Platform

Elevate Your CX Journey

Banking Solutions

Retail Banking

Corporate Banking

PFM

Khalil Al-Qattan

Head of Digital Transformation, Burgan Bank, Kuwait

Ashwin Kumar

CIO, Jana Small Finance Bank, India

Sabbir Hossain

Chief Operating Officer, BRAC Bank, Bangladesh

Future Tech

The Shift Towards Cashless Societies in Bangladesh

Payment Systems

Qatar’s Payment System Modernization: A Blueprint for Regional Progress

Blogs

Going beyond transactions and AI’s role in customer-centric banking

Green Banking

Funding a Greener Tomorrow: The Transformative Power of Green Finance

Digital Banking

Digital Banking Innovations in 2025: How Banks in Middle East are Set to Accelerate

Digital Banking

How Qatar’s Banking Sector Is Thriving Amid Global Economic Change

Digital Banking

How Qatar’s Banking Sector Is Thriving Amid Global Economic Change

UPI

Convenience or Caution? Understanding the Impact of UPI on Indian Consumer Behaviour

Blogs

Beyond the Algorithm: How Banks Can Blend AI with Human Touch for Better Customer Experiences

Oman banking system

The Future of Mobile-Only Banks in Oman: Are Traditional Banks Ready to Disrupt the Market?

Gen Z - budgeting

Gen Z has figured out budgeting – and it’s actually smart and loud!

Open Banking

Navigating Open Banking: Focusing on What's Real in an Era of Hype

Personal Finance

From Goals to Reality! How Spinach Helps Customers Save Better for a Brighter Tomorrow.

Financial Inclusion

The Road to Financial Inclusion: India’s Progress and the Path Ahead

Digital Banking

The Story of How Interoperability is Turning Saudi Arabia's Digital Dream into a Reality

Blogs

How Oman is Welcoming a New Era of Financial Innovation with API Banking

Digital Banking

How is Multi-Bank Connectivity Breaking Down Barriers in Digital Banking?

Digital Banking

Balancing Innovation and User Experience: How Banks Can Thrive in the Digital Era

Personal Finance

How Account Aggregation is Changing the Game in Personal Finance

Data and Analytics

Don’t Just Wonder How They Interact. Enhance User Engagement with Channel Analytics

Future Talk

What's Next for Vietnamese Fintech? A Must-Read Guide for Banks and Partners

Customer Experience

Turn Family Banking into a Personal Experience with Clayfin's PFM Solution – Spinach

Open Banking

Role of Open Banking in Igniting a Robust Fintech Landscape in Oman

Buzz

Going Beyond Cash: The Digital Payment Boom in Saudi Arabia

Buzz

Leveraging Personalised Insights for Enhanced Customer Engagement with Spinach

Buzz

How Does PFM Improve Customers' Mental Health?

Reality Bytes

Paving the Way to a Digital Bangladesh: The Fintech Journey So Far

Future Tech