CAIIB · ITDB · Chapter 14

Emerging Technologies

Chapter notes, video classes, MCQ practice tests and quick-revision one-liners for Information Technology and Digital Banking (Elective) — CAIIB.

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Embedded Payments — What It Does / Indian / Global Example?

What It Does: Payments made with a single push faster checkout & settlement, better UX; Indian / Global Example: Zomato, Swiggy in-app payments; Uber auto-debit

Embedded Card Payments — What It Does / Indian / Global Example?

What It Does: Funds transferred electronically onto a card; spend up to loaded value; Indian / Global Example: Smart cards, virtual cards, expenditure (corporate spend) cards

Embedded Lending — What It Does / Indian / Global Example?

What It Does: Loans obtained at point-of-purchase with one click; no branch visit; Indian / Global Example: BNPL by ZestMoney, LazyPay; in-checkout Bajaj EMI

Embedded Investments — What It Does / Indian / Global Example?

What It Does: Centralised platform inside a non-finance app to invest in stocks, MFs, pension; Indian / Global Example: Groww-in-app SIPs; in-app retirement plans

Structured — Definition / Example?

Definition: Highly organised, fixed format, fits relational schema; Example: CSV files, RDBMS tables, core-banking GL

Unstructured — Definition / Example?

Definition: No pre-set data model / schema; Example: Branch CCTV video, voice calls, customer emails, social posts

Semi-structured — Definition / Example?

Definition: Not purely structured, not fully unstructured — contains tags/keywords that aid processing; Example: XML, JSON, log files, key-value stores

Public — Who Can Join / Governance / Example?

Who Can Join: Anyone; Governance: Decentralised; high compute (PoW/PoS); Example: Bitcoin, Ethereum

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