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 Shibabrata to Disrupt Indian banking Equilibrium with his new “Neo Bank” Shibabrata Bhaumik , popularly known as “ Fintech Chanakya ” the ex banker of Lloyds and Barclays and the founder of Fintech startup PayQ recently started its banking unit as PayqNeo.  Though the neo-banking ecosystem in the country is already getting crowded, Shibabrata wants to engender unified experience through fintech skill and technological innovations which includes Artificial Intelligence (AI) and a superior mobile banking experience through an app or a website. A neo-bank is a digital banking platform , which offers all basic banking services like account opening, credit, insurance and others, but without a branch-led model.  Startups or Small Businesses with global customer outreach typically prefers to work with a Neobank as the account opening procedure is simple and less complex and you can use the banking services worldwide without any cross border hassle and dominion limitation. Shib...

Shibabrata Bhaumik is an Indian Entrepreneur who founded HotelnStudio, peer-to-peer (P2P) accommodation chain that has identified unmet demands in traditional accommodation systems and allows people to host private accommodation to their peers. Shibabrata is also a blockchain expert & pioneer of digital payments and CEO of Fintech company PayQ. Born in a Hindu family with both socially active parents, Shibabrata grew up in an environment imbued with a sense of social justice and freedom. He graduated with a bachelor’s degree in Bio-Technology from Indian Institute of Technology in early 2006 followed by an MBA in International Business from ICFAI Hyderabad; he started his carrier in the early twenties. During the interview, the usually reserved and the press-shy entrepreneur declare why he got into this business: “I wanted the world to have a global, open financial system that drove innovation and freedom.” In the following business model, though, Shibabrata fits in with the pinstr...