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Ritesh Jain

Founder
Infynit / Former COO HSBC
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30 Dec 2022
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Followed by John Sims, Martha Boyle and 5 others you follow

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Founder
Infynit / Former COO HSBC
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Latest opinions

Ritesh Jain

Who Owns AI’s Mistakes? The Accountability Dilemma!

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...

06 February 2025 Artificial Intelligence

Ritesh Jain

The Mental Health Paradox: Progress at the Cost of Well-Being

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...

06 February 2025 The digital Chasm

Ritesh Jain

The BNPL Boom: The Good, The Bad, and The Regulatory Challenge

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...

05 February 2025 Fintech

See all 33 opinions by Ritesh

Latest comments

UK's cashless transition under the microscope as Payments Choice Alliance pushes back

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! 

14 May 2023 19:07 Read comment

Ritesh writes about

  • artificial intelligence
  • security
  • payments
  • regulation & compliance
  • people
  • retail banking
  • sustainable
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  • cryptocurrency
  • identity
  • markets
  • predictions

Ritesh's opinion archive

  • 2025 (16)
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  • 2023 (9)

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