Ritesh Jain - Founder at Infynit / Former COO HSBC

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class="profile-user-experience-timeline-item-body-title">Founder</div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_rItems_ctl00_dCompany" class="profile-user-experience-timeline-item-body-company">Infynit / Former COO HSBC</div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_rItems_ctl00_dDate" class="profile-user-experience-timeline-item-body-date">To Present</div> <div id="ctl00_ctl00_body_bodyLevel_ViewHead_rItems_ctl00_dSummary" class="profile-user-experience-timeline-item-body-summary"></div> <div class="profile-user-experience-timeline-item-body-buttons"> </div> </div> </div> <div class="profile-user-experience-show-all-experience-button-container"> <a style="width:100%" class="button button-small button-icon-right button-secondary button-center button-profile-user-experience-show-all" href="#"><span class="button-text">Show all experience</span><span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowDown.svg'); mask-image: url('/app_themes/earlgrey/images/icons/arrows/arrowDown.svg');"></span></a> </div> </div> <div class="profile-user-experience-summary"> </div> </div>  <div class="profile-latest-opinions"> <h3 class="profile-latest-opinions-heading">Latest opinions</h3> <div class="profile-latest-opinions-content"> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_152695_ritesh_jain_12.jpg" alt="Ritesh Jain" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_hTitle" aria-label="Read article: Who Owns AI’s Mistakes? The Accountability Dilemma!" href="/blogposting/27786/who-owns-ais-mistakes-the-accountability-dilemma">Who Owns AI’s Mistakes? The Accountability Dilemma!</a> </h3> <p class="card-text"> In my recent engagements with industry leaders, students, and AI practitioners, one question keeps surfacing: "If AI makes a mistake, who is responsible?" It’s a critical question—one that defines the future of AI governance, risk, and trust. Some argue that AI is just a tool, shifting responsibility to the user. Others counter that busin... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-06 05:34:54Z">06 February 2025</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl00_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Artificial Intelligence " href="/community-group/204/artificial-intelligence-">Artificial Intelligence </a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_152695_ritesh_jain_12.jpg" alt="Ritesh Jain" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_hTitle" aria-label="Read article: The Mental Health Paradox: Progress at the Cost of Well-Being" href="/blogposting/27785/the-mental-health-paradox-progress-at-the-cost-of-well-being">The Mental Health Paradox: Progress at the Cost of Well-Being</a> </h3> <p class="card-text"> The Hidden Costs of Modern Living Mental well-being is the foundation of a fulfilling life, yet modern society is eroding it at an unprecedented rate. With the rise of digital distractions, toxic work environments, and the erosion of family bonds, the world is facing a silent mental health crisis. While technology and economic progress have transfo... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-06 04:59:04Z">06 February 2025</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl01_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:The digital Chasm" href="/community-group/162/the-digital-chasm">The digital Chasm</a> </p> </div> </div> </div> </div> <div class="card card--post-small card--post-small--in-user-profile card--post-small--box card--user-profile-opinion no-post-img"> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <img id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_iBlogger" class="card-img-round" src="/finextra-images/member_photos/thumb_152695_ritesh_jain_12.jpg" alt="Ritesh Jain" style="border-width:0px;" /> </div> </div> <div class="card-body-container"> <div class="card-body"> <h3 class="card-title h3"> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_hTitle" aria-label="Read article: The BNPL Boom: The Good, The Bad, and The Regulatory Challenge" href="/blogposting/27782/the-bnpl-boom-the-good-the-bad-and-the-regulatory-challenge">The BNPL Boom: The Good, The Bad, and The Regulatory Challenge</a> </h3> <p class="card-text"> In the summer of 2022, a young marketing executive in London, eager to revamp her wardrobe, clicked “Pay in 4” at checkout. The process was seamless—no credit check, no hassle, and most importantly, no immediate cash outflow. Fast forward six months, she found herself juggling payments across three different BNPL providers, struggling to keep up a... </p> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2025-02-05 12:23:40Z">05 February 2025</time> <a id="ctl00_ctl00_body_bodyLevel_Latest3_rBlogs_ctl02_hGroup" class="card-channelgroup-link card-icon folder" aria-label="link to group:Fintech" href="/community-group/83/fintech">Fintech</a> </p> </div> </div> </div> </div> </div> <div class="profile-latest-opinions-buttons"> <a href="/community/live-opinions/152695" id="ctl00_ctl00_body_bodyLevel_Latest3_aAll">See all 33 opinions by Ritesh</a> </div> </div> <div class="profile-comments"> <h3 class="profile-comments-heading">Latest comments</h3> <div class="profile-comments-content"> <div class="card card--post-small card--post-small--in-user-profile card--user-profile-comment no-post-img"> <div class="row"> <div class="card-header-container"> <div class="card-article-link"> <a href="/newsarticle/42303/uks-cashless-transition-under-the-microscope-as-payments-choice-alliance-pushes-back" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_aArticle" aria-label="read article: UK's cashless transition under the microscope as Payments Choice Alliance pushes back">UK's cashless transition under the microscope as Payments Choice Alliance pushes back</a> </div> </div> </div> <div class="row"> <div class="card-profile-container"> <div class="card-img-round"> <a id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_hiBlogger"> <img src="/finextra-images/member_photos/thumb_152695_ritesh_jain_12.jpg" class="card-img-round"></img></a> </div> </div> <div class="card-body-container"> <div class="card-body"> <span class="card-text"> <p>The UK's shift towards a cashless society is intriguing, but we must consider the impact on cash-dependent populations. The Payments Choice Alliance's focus on preserving payment options is commendable for inclusivity and democratic values. Balancing cash and digital payments, tailored solutions, and stakeholder collaboration is crucial for a smooth and inclusive transition. I prefer a less cash economy with an increased focus on digitisation and policies favouring payments as digital public goods, accessible, transparent, and secure! </p> </span> <p class="card-baseline"> <time class="card-timestamp card-icon calendar" datetime="2023-05-14 19:07:18Z">14 May 2023 19:07</time> <a href="/newsarticle/42303/uks-cashless-transition-under-the-microscope-as-payments-choice-alliance-pushes-back#comments" id="ctl00_ctl00_body_bodyLevel_LatestComments_rItems_ctl00_aComment" class="card-readcomment-link" aria-label="link to read comment">Read comment</a> </p> </div> </div> </div> </div> </div> <div class="profile-comments-buttons"> </div> </div> </div> </div> <div class="col-12 col-md-8 offset-md-4 col-xl-2 offset-xl-0"> <div class="profile-user--sidebar-container"> <div class="profile-sidebar--container"> <div class="profile-sidebar--content">  <div class="profile-sidebar--section"> <h4 class="profile-sidebar--section--heading">Ritesh writes about</h4> <div class="profile-sidebar--section--content"> <div class="profile-list style--inline style--comma style--and-before-last type--channel"> <ul id="ctl00_ctl00_body_bodyLevel_WritesAbout_uChannels"> <li><a href="/channel/ai">artificial intelligence</a></li><li><a href="/channel/security">security</a></li><li><a href="/channel/payments">payments</a></li><li><a href="/channel/regulation">regulation & compliance</a></li><li><a href="/channel/people">people</a></li><li><a href="/channel/retail">retail banking</a></li><li><a href="/channel/sustainable">sustainable</a></li><li><a href="/channel/startups">start ups</a></li><li><a href="/channel/inclusion">financial inclusion</a></li><li><a href="/channel/crypto">cryptocurrency</a></li><li><a href="/channel/identity">identity</a></li><li><a href="/channel/markets">markets</a></li><li><a href="/channel/predictions">predictions</a></li></ul> </div> </div> <div class="profile-sidebar--section--buttons"></div> </div>  <div class="profile-sidebar--section"> <h4 class="profile-sidebar--section--heading">Ritesh's opinion archive</h4> <div class="profile-sidebar--section--content"> <div class="profile-list style--archive"> <ul id="ctl00_ctl00_body_bodyLevel_ArchiveByYear_uBlogs"> <li><a href="/community/live-opinions/152695?year=2025">2025 (16)</a></li><li><a href="/community/live-opinions/152695?year=2024">2024 (8)</a></li><li><a href="/community/live-opinions/152695?year=2023">2023 (9)</a></li></ul> </div> </div> <div class="profile-sidebar--section--buttons"></div> </div> <div class="profile-sidebar--section"> <h4 class="profile-sidebar--section--heading">Latest groups joined by Ritesh</h4> <div class="profile-sidebar--section--content"> <div class="profile-list style--archive"> <ul id="ctl00_ctl00_body_bodyLevel_LatestJoined_uGroups"> <li><p class="card-baseline"><a href="/community-group/204/artificial-intelligence-" class="card-channelgroup-link card-icon folder">Artificial Intelligence </a></p></li><li><p class="card-baseline"><a href="/community-group/123/inclusive-fintech" class="card-channelgroup-link card-icon folder">Inclusive FinTech</a></p></li><li><p class="card-baseline"><a href="/community-group/67/disruption-in-retail-banking" class="card-channelgroup-link card-icon folder">Disruption in Retail Banking</a></p></li></ul> </div> </div> <div class="profile-sidebar--section--buttons"><a href="/community/groups-joined/152695" id="ctl00_ctl00_body_bodyLevel_LatestJoined_aJoined">See all groups joined</a></div> </div> </div> </div> <div class="profile-sidebar--container"> <div class="profile-sidebar--content">  <div class="profile-similar-members--section"> <div class="d-lg-none profile-similar-members--button"> <a class="button button-secondary button-icon-right community-showfeed button--show-similar-members" role="button" data-bs-toggle="collapse" data-bs-target="#similarMembersSidebar" href="#similarmemberssidebar" aria-expanded="false" aria-controls="similarMembersSidebar"> <span class="button-text"><span class="text-collapsed">Show</span><span class="text-expanded">Hide</span> similar members</span> <span class="button-icon" style="-webkit-mask-image: url('/app_themes/earlgrey/images/icons/editing/Add.svg'); 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