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Curious and empathetic thinker skilled at driving human-centered design innovation and strategy

If you are from a technology field, you may be familiar with the term tech or solution stack. It refers to a complex ecosystem of software and services required to work together to create a platform capable of supporting the needs of the user or the business. Similarly, to support various financial needs of life, we need a set of financial products, tools, and services. I believe that financial security in the future starts with the day to day personal finance management. …


Google launched a redesigned Google Pay app that can help you seamlessly manage your money. At present, the app only supports the markets in Singapore, the US, and India. It is also unclear when Google Pay Canada will receive these upgrades as even the existing send and receive money feature still doesn’t work in Canada. Nevertheless, there are some interesting takeaways from this launch regarding people, money, and banking.

In my previous article on how Apple Card and Apple Pay Cash can pave Apple’s way to be a micro bank, I spoke about a plausible future for Apple in Financial…


Last month, I hit a big milestone in my life; I turned 30 years old. But I still feel like I am in my mid-20s until someone makes me realize that I have turned 30 or look up in the mirror to see the signs of aging. I have 1–2 white hair in my stubble and a few patches of white hair on my head. I think I will keep that salt and pepper hair look like my dad as I grow old and never color it.

When I look back, my transition from a “20-something” to a 30-year-old has…


Financial literacy is one of the most critical life skills that is hardly taught anywhere and ignored the most. It is defined as having sound financial knowledge and skills in managing money and making informed financial decisions and actions regarding personal money management.

It is aimed at adjusting people’s core attitudes and beliefs so that a change in financial behavior can help them reach a future of financial freedom and security.

Financial literacy typically includes every day financial issues like budgeting, spending, debt, taxes, retirement savings, college savings, mortgage management, and tax and estate planning. …


How we spend, save and invest money is shaped by our relationship with the money. Our mindsets influence our behavior towards money and these mindsets are formed over a period of time through lived experiences.

Here are six mindsets that helped me to better manage my personal finance:

  1. Money is a vehicle to achieve life goals, not a goal by itself.

As soon as we graduate from university, the world tells us that our next main goal is to earn money and then more money and then even more money. What we miss to chase are the purposeful life goals…


The first thing that we all do to be better at anything is to gain knowledge and skill through training or education. While they are important and critical to get better at what you have chosen, but it will be effective as long as you have the right mindset and discipline to practice it. It applies to everything, including managing money. There is no shortage of courses or workshops, articles, youtube videos on personal finance that gives advice or prescribes steps to improve your financial health through saving and investing. BeingMoneyNerd believes that the basics of personal finance remain the…


My first post to kick off my Instagram account on $$ money $$.

I learned the basics of personal finance from my dad as a kid who always said every penny saved is every penny made. It’s such an important topic that needs to be taught not just from the time someone starts earning their first dollar all by themselves, in fact even much earlier so that by the time they grow up to make a dollar they have the right behavior and mindset about managing money.

I was never a finance guy and never understood it. Even in my…


Fashion is an industry where product not only needs to be right but also has to be at the right place and at the right time. It is an industry where foreseeing change and leveraging it is critical for a brand’s survival. The lifecycle of a product in this industry is hardly six months, one season, which means the business needs to start developing the new product, plan material sourcing and so on, at least a year in advance. Unlike digital products, where products are developed iteratively and improvements and changes are released from time to time, products in the…


Apple has reportedly been struggling with its sales of new iPhones, and several reasons have been cited to this including users not upgrading to the new iPhone or they are going for older and cheaper versions of iPhones. Similarly, other brands such as LG, Sony, and Samsung too have reported that their phone business is facing the sales challenge. While on the other hand, brands like Huwaei, OnePlus, Xiaomi are selling more devices. It wouldn’t be wrong to say that they did steal away some customers of these big brands. Globally, it is observed that smartphone sales are flattening or…


Last year Samsung marked their entry into the business of AI smart speakers, becoming one of the many smart speaker brands in the market. But what’s interesting about the move is that their speaker comes with Samsung’s own AI personal assistant Bixby. Though Samsung is late to the party, it is making everyone possible move to catch up to the game. In a world where we already have Google Assistant and Alexa widely available along with Cortana from Microsoft and Siri from Apple, why are we getting more voice assistants when hardly people are using it. To understand this, let’s…

Sajan Mathew

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