Interview with Nitin Chugh on personalization & digital transformation in banks

I recently interviewed Nitin Chugh, Country Head – Digital Banking at HDFC Bank Limited, and we discussed some hot topics in banking industry today: digital transformation, personalization, AI & machine learning, blockchain etc. HDFC Bank is an acknowledged Innovation leader in the BFSI space. Nitin heads the Digital Innovation Unit which works on new ideas, technologies and […]


How relatively unknown start-ups took on big banks and won: A tale of leveraging big data

For many years, banks and financial institutions dominated the currency trading arena and money transfer services. Banks were viewed as the most credible, reliable and efficient means of conducting international money transfers. However, the costs of using banks for these services are prohibitive. The Internet of Things has rapidly leveled the playing field, making it […]


The Kindness of Strangers – Thank you Singapore

It was 20 years ago today The Kindness of Strangers Thank you Singapore (Sung to the tune of Sgt Pepper’s…..) It was 20 years ago today That I came to Singapore to play I’ve been going round and round in life Even found myself a wife So may I re-introduce to you The guy you’ve known […]


Get chatty: Banks and their customers have a common friend

Chatbots are taking over the world. Banks have started investing in this intelligent chatty friend, to make their customer conversations easier and more efficient. Human – human to human- machine? …. Better? Safer? Faster? What are chatbots? Chatbots are programs that interact with customers usually over the internet to provide insights, services, and products. Rules […]

Life at Crayon by Kandarp

Life @ Crayon – Kandarp

How long have you been at Crayon? 3 Years and 6 Months What do you do at Crayon? Project Lead (Delivery) and Business Analyst What’s your average day like? I arrive at work with a plan of what I need to do for the day. This plan involves spending 50% of my time in meetings […]


Crayo-thon: Crayon’s first Hackathon

We ran our first hackathon at Crayon. Teams from our Chennai and Singapore offices participated. And boy, did we receive some impressive prototypes. One of the great things about the Crayo-thon was that it brought people from very different teams together. All working together to crack a problem statement, in the best possible way. We […]


Life @ Crayon – Bhavani

How long have you been at Crayon? Eight months. 2. What do you do at Crayon? I am the CFO (Chief Financial Officer) of Crayon. 3. What’s your average day like? I mostly push people to do their work. I think I should rename my job description to Chief Pushing Officer. 4. What’s your favorite […]