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FinTech’s Real Battleground: Friction vs. Flow

 Fintech isn’t just competing on features—it’s competing on user experience.

 A slow KYC process. A clunky security step. A “smart” AI that feels more invasive than helpful. That’s where fintechs lose customers. The best UX isn’t just about design—it’s about making complexity disappear. The second it slows users down, they’re gone.

 Check out my latest article on why UX is fintech’s biggest competitive edge:https://www.forbes.com/councils/forbesbusinesscouncil/2025/03/13/the-ux-arms-race-in-fintech-experience-as-competitive-edge/

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AI’s Billion-Dollar Land Grab Is Reshaping Real Estate

 AI giants like OpenAI, Meta, and Microsoft are driving a modern-day land rush, investing billions in data centers and infrastructure. OpenAI’s Project Stargate ($500B) is just the beginning—tech hubs are shifting, land prices are soaring, and entire industries are being reshaped.

 This isn’t just about AI—it’s a real estate and economic transformation in motion.

 🔗 Read my latest article in Entrepreneur Magazine: https://www.entrepreneur.com/science-technology/ais-billion-dollar-land-grab-5-ways-its-reshaping/486837

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Dealing with Difficult Clients? Document Everything.

In business, not every client will be easy to work with—but that doesn’t mean the relationship has to be a struggle. One of the best ways to navigate challenging client interactions? Keep everything documented.

✅ Clear records of communications, decisions, and progress ensure transparency and accountability. ✅ When conflicts arise, facts speak louder than opinions. ✅ A well-documented process shows professionalism and keeps projects on track.

Even the toughest clients appreciate clarity and accountability. It’s not just about avoiding disputes—it’s about building trust and delivering results.

I shared this insight in Forbes Business Council’s article on 18 Steps for Handling Prickly Clients. Read the full piece here: https://www.forbes.com/councils/forbesbusinesscouncil/2025/02/18/18-steps-for-dealing-with-prickly-business-clients/

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Is Your Business Ready for the Next Stock Market Downturn?

A recent U.S. Bank article suggests a market downturn could be on the horizon due to factors like tariffs, trade disruptions, and emerging technology shifts, all of which could increase volatility and costs. It’s crucial for businesses to prepare now.

Key Takeaways from U.S. Bank’s Analysis:

Tariffs and trade disruptions could raise commodity prices and impact demand.

Technological shifts in AI and tech may disrupt market dynamics.

Market volatility remains a key risk, capable of changing market conditions rapidly.

How to Prepare:

In my Forbes Business Council contribution, I emphasized the importance of having a crisis management plan. This plan should include:

✔ Enhance accounts receivable – Get paid faster to strengthen cash flow. ✔ Delay non-essential purchases – Preserve cash reserves. ✔ Negotiate smarter – Secure favorable terms with suppliers.

Preparation is key to surviving a downturn. Having a solid crisis management plan will help your business handle volatility and stay resilient.

 Read the full insights in Forbes Business Council: https://forbes.com/councils/forbesbusinesscouncil/2025/01/16/15-steps-for-business-owners-to-prepare-for-a-potential-market-downturn/…

U.S Bank Article: https://usbank.com/investing/financial-perspectives/market-news/is-a-market-correction-coming.html…

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Boardrooms can often feel like a battleground of competing opinions. In my recent Forbes Expert Panel contribution, I shared how external expertise can break the deadlock. When the team’s stuck, bringing in fresh, unbiased insights offers the clarity needed to move forward.

 Sometimes, it’s not about finding the loudest voice but the most valuable perspective.

 Read more about harmonizing boardroom differences here: https://www.forbes.com/councils/forbesbusinesscouncil/2025/01/14/15-ways-leaders-can-harmonize-board-members-competing-interests/

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With major retailers like Amazon, Walmart, and Target enhancing their Buy Online, Pick Up In-Store (BOPIS) and Curbside Pickup (BOPAC) services, it's evident that omnichannel convenience is shaping the future of shopping.

In a recent Forbes Expert Panel discussion, I shared insights on how these models not only offer customers flexibility but also boost in-store traffic and create new upsell opportunities. As consumer expectations shift towards seamless online-offline experiences, businesses that embrace these strategies will stay ahead.

Explore more expert insights here: https://www.forbes.com/councils/forbesbusinesscouncil/2024/12/30/10-ways-to-bridge-the-online-and-offline-customer-experience/

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Are your B2B payment systems ready for the future? Composable architecture and API marketplaces are transforming how businesses handle payments—offering flexibility, scalability, and efficiency like never before. In my latest Forbes Business Council article "Redefining B2B PayTech With Composable Architecture And API Marketplaces", I explain how these technologies empower businesses to stay ahead in a fast-changing market.

Discover how innovation is reshaping B2B payments: 

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I’ve spent a significant part of my entrepreneurial journey in a manager’s shoes, and I truly appreciate when someone raises concerns along with practical solutions.  In a recent Forbes Business Council feature on '20 Strategies Employees Can Leverage To Give Managers Feedback,' I shared why this approach makes feedback more impactful.

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Cybersecurity is not just about prevention—it's about being prepared for the worst case scenario. In "18 Tips For Strengthening Cybersecurity To Build Trust", a Forbes Business Council Expert Panel, I share my insights on the importance of having a robust Incident Response Plan. Being ready to act swiftly and transparently in the face of a cyber threat is key to protecting sensitive data and building trust with your customers. What's your take on the subject?

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Reading about the challenges companies face with manual accounts payable (AP) reminded me of how Zil Money Corporation started. I saw how businesses were overwhelmed by using different payment systems, which slowed them down and caused mistakes. I remember my business struggle with using different systems for various payments, which makes everything slower and more complicated. It’s easy to make mistakes when switching between platforms, and these errors can be costly.

Also, handling payments in different platforms and traditional AP processes increases the risk of fraud, leaving businesses vulnerable. Payments take longer and are not as safe as they should be. This creates unnecessary stress and risk for businesses trying to keep things running smoothly. Automation helps businesses reduce these issues, save money, and manage payments more efficiently. It simplifies processes, improves accuracy, and prevents fraud, giving you more control over your finances.

What are the issues you face when making payments? Let's connect and discuss!

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I recently had the honor of visiting the Hyderali Shihab Thangal Academy, a place dedicated to shaping future leaders and changemakers.

It was inspiring to meet the talented students there. Sharing my journey from growing up in a humble background in Manjeri to founding Tyler Petroleum and Zil Money Corporation in Texas, USA, I highlighted the importance of having a clear vision, hardworking and embracing innovation.

The energy and determination of these students reminded me of how education can truly transform lives. Thank you to the academy for hosting me; being part of such a meaningful experience was a privilege!

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At Zil Money, everything starts with our customers. My team makes it a priority to truly understand their needs and expectations. First, we analyze what they are looking for. Is it convenient to ease their financial processes? Speed to complete transactions effortlessly? Or security to ensure their peace of mind? By asking the right questions and listening closely, we try to figure out their pain points.

Taking the time to connect with their challenges helps us make better decisions and ensures we design solutions that genuinely add value to their lives. This customer-centric approach is the driving force behind everything we do, inspiring us to innovate and build lasting relationships. Also, we make sure every transaction is safeguarded with the best encryption and fraud protection. It’s about trust, and I work hard to earn it.

#CustomerFirst #SecurePayments #B2BSaaS #ZilMoney

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I think fintech is more than just technology—it’s about breaking barriers and making financial services accessible to everyone.

I recently came across an article from the World Economic Forum that shared some fascinating facts. Did you know that micro, small, and medium enterprises (MSMEs) make up 90% of businesses globally? They also contribute over 70% of employment and account for half of the world’s GDP. These businesses are the backbone of the economy, but many still struggle to get the tools and resources they need to grow and keep up with demand.

Fintech changes that. Think about a small business owner finally able to pay employees on time with easy-to-use financial tools or a single parent managing their money confidently with a mobile app. It’s not just about solving problems; it’s about creating opportunities that help people and communities thrive.

At Zil Money, every feature we build, every innovation we bring to life, carries a bigger purpose - to make someone's life easier, safer, and more connected. And that's what makes this journey so special. But it's not always easy. Building trust in a world so familiar with complexity and deception is a challenge. Yet, it's in those challenges that we find our greatest opportunities.

I truly believe the future of finance is human. Technology is the bridge, but empathy is the foundation. By focusing on inclusion and empowerment, fintech is helping build a fairer, stronger economy for all.

#FintechWithHeart #Innovation #Leadership #Inclusion

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Being a fintech CEO has been one of the most rewarding and challenging experiences of my life. It’s not just about leading a company; it’s about constantly growing, learning, and evolving with the industry.

Here are some lessons I’ve picked up along the way:

Embrace Change, Even When It’s Uncomfortable: The fintech world moves fast, and sometimes that means letting go of what you know. But change isn’t scary—it’s a chance to grow. Every choice we’ve made has opened up new doors.

Never Forget the Customer: It’s easy to get caught up in the tech, but at the end of the day, it’s all about making life better for your customers. Their feedback is priceless and building something they genuinely need is the best reward.

A Great Team is Everything: I’ve learned that you can’t do it all on your own. Building a team that shares your passion and is willing to roll up their sleeves with you is what keeps the engine running.

Play the Long Game: Quick wins feel good, but real impact takes time. It’s the small, consistent efforts that build something meaningful and sustainable.

Lead with Heart: It’s easy to focus only on numbers and KPIs, but leadership is about people. Showing empathy, being present, and understanding the human side of things is what truly drives success. Leadership is a journey, not a destination.

Leadership #Fintech #CEOlife #BusinessJourney

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Companies miss out on incredible talent because traditional as well as AI tools filter out anyone who doesn’t fit neatly into their “check-the-boxes”. The result? We lose the unique, creative thinkers who can actually drive real growth.

My article on this HR challenge and probable solutions is published in Entrepreneur. Do read it and let me know your thoughts.

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It was an inspiring experience to meet and brainstorm with visionary entrepreneurs and FinTech leaders driving the future of finance at Money 20/20 USA! The energy and innovation in every conversation made it a perfect place for building meaningful connections and discovering potential partnerships that could redefine what's next in FinTech. Huge thanks to Money 20/20 USA for hosting such an impactful gathering for our industry!

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Signs It's Time to Rethink a Business Project or Initiative

One reason to reconsider a project is increased competition. When new competitors emerge, a project's ROI can take a hit. If market share, revenue, and profitability start slipping, it's wise to step back and assess. Sometimes, shifting focus to other initiatives with higher growth potential is the smarter move.

My thought in an expert column, "20 Signs It's Time to Rethink a Business Project or Initiative," was published in Forbes Business Council!

Please read and tell me if you ever had to make a tough call to pivot because of competition.