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Srini Kasturi

Srini Kasturi

Product + Technology Leader

Regulated Senior Manager (FCA, Gibraltar, California, New York) · INED · ED · CXO · Fintech Founder · Keynote Speaker · Patented Inventor · Guest Lecturer

“Intrapreneur, entrepreneur, veteran, noob, techie, exec, painter, poet, writer, traveler, paraglider, parent, inventor. Black tie, blue collar.”

Product and Technology are now one.

After 25+ years leading product and technology across global banking, I am more convinced than ever that the distinction between the two has dissolved. In every industry, AI has catalysed the convergence of product vision with technology execution.

Technology is no longer a competitive moat. The real areas of differentiation are imagination, vision, and customer acquisition. The enterprise is being rearticulated right now, and I am passionate about that transformation.

Startups have an unfair advantage today. They are not constrained by having to buy “best in class” or hire armies of developers — they can create for best in class. It is not difficult to imagine a single person acting as a combined product and technology force, powering an entire enterprise. That is what Polyglyph Analytica represents.

Career Arc

The future belongs to those who always have a side gig going, because there is no better way to learn than to invest in your own ideas.

Formal Career

Moneycorp

Group Chief, Product & Technology

Responsible for Product and Technology for the Moneycorp Group, a global payments and FX platform processing £71B+ in annual trading volume across 190 countries. Over 1 million payments a year under 63 regulatory permissions. Serving on the Board of Moneycorp Bank, Gibraltar.

Barclays Corporate Bank

Global Leadership of Digital, Payments, Expansion and Innovation

Led the digital propositions supporting corporate clients. Built new digital interfaces and integrated channels using APIs. Drove innovations such as mass payments and digital assets-based payments. Drove expansion into new European markets through digital-native approaches and launched the Corporate Bank in the USA. Responsible for the bank's global footprint of low-value and immediate payment products and country product management across multiple geographies.

JP Morgan and Deutsche Bank

International Corporate Bank Expansions and Management

Launched corporate banking and responsible for Product leadership across Luxembourg, Saudi Arabia, South Africa, Russia, UAE, Turkey, and many other markets.

Remit2India

Founder

Founded a fintech focused on international remittances. Successfully grew and exited the business through a sale to Private Equity.

Citi

Digital Retail Banking Pioneer

Launched Citi's digital retail bank in India in 1998 and in the UK in 2005 — among the earliest digital banking propositions in both markets.

What I Think About

Digital Banking & Payments

Transforming how corporates and consumers bank — APIs, digital assets, seamless cross-border experiences. From Citi’s earliest digital banks to Moneycorp’s global platform.

Real-Time & Open Banking

Champion of #PaybyBank as the consumer-facing name for account-to-account payments powered by open banking. Building the infrastructure for instant, embedded payments.

Fraud & Financial Crime

“Fraud is now the UK’s most common crime — responsible for over 40% of all reported offences.” Advocating for cross-sector cooperation to move from response to prevention.

Treasury Technology

Helping treasurers navigate instant payments, FX exposure, and digital business models. Making the technology work so that time-poor treasury teams can focus on strategy.

Artificial Intelligence

The power of AI to transform Talent, Process, and Technology — reimagining what it means to be AI-first. Contributor to The Payments Association’s ‘Using AI Intelligently’ report on smart applications of Artificial Intelligence in Payments. From enterprise rearticulation to building 3sry.com as a living proof point.

Renewable Energy

A UK pioneer in Vehicle-to-Grid technology, trialling with Nissan and Octopus Energy. Believer in solar, the EV as a power accessory, and the power of data across wholesale prices, grid load, carbon intensity, and weather — all shaping the true cost of grid consumption.

Stablecoins & Digital Assets

Active in industry discussions and pilots on CBDC, synthetic CBDC, stablecoins, smart contracts, and NFTs as a store of intellectual property. Exploring how tokenisation reshapes value transfer.

Gender Balance in the Workplace

Championing gender balance through the development of the talent pipeline. What we do today sets the foundations for generations of tomorrow.

Charity & Social Causes

Raising money for charity and social causes — from Ukraine war relief and the Syria/Turkey earthquake to various animal charities. Believing that giving back is not optional.

Art & Collecting

Art as a vector of enrichment of the soul. As an artist, the process of creation is cathartic. As a collector — with pieces by Picasso, Dalí, Lichtenstein, Warhol, Dame Tracey Emin, Hirst, Sir Brian Clarke, Sir Anish Kapoor, Auerbach, Dame Victoria Crowe, and many RA members — a custodian of great art to benefit future generations.

Patent, Published & Speaking

Patent

Digital Identity Verification with Tiered Assurance Levels

A system in which a user establishes a verified online identity by providing an identity token and biometric information. An assurance level is established for that identity for use in an authentication service. Different assurance levels are provided based on the degree of verification — from social network scoring and credit references to biometric tokens — enabling risk-proportionate identity trust across digital services.

Evolving consumer expectations and the future of digital banking

Journal of Digital Banking, Vol 8, Issue 1, pp. 37–48, June 2023

Examines how cloud computing, APIs, and machine learning are being deployed to deliver seamless, 24/7 banking. Explores how the COVID-19 pandemic and shifting demographics have accelerated digital banking adoption, putting FinTech providers at the vanguard of change. Analyses the challenges traditional banks face — entrenched legacy systems, siloed operations, and regulatory compliance — that single-minded FinTechs are less burdened with, and evaluates strategies around competition and partnership.

Fast-Track Treasury: Making the Most of Digital Business Models

Treasury Management International

Co-authored with Daniela Eder. Explores how the shift to digital business models brings treasury challenges: a greater volume of incoming payments that increases collection costs, and rapid cross-border expansion that introduces new currencies and FX exposures. Argues that treasurers need robust, automated, high-volume connectivity to process direct sales receipts, and should factor sustainability-driven business models into their future-proofing.

New Europe Awakens: A Fresh Look at Post-Brexit Treasury

Treasury Management International

Co-authored with Daniela Eder. Navigating the post-Brexit treasury landscape — the operational, regulatory, and structural shifts that corporates must adapt to across a reconfigured Europe.

The importance of technology in evolving treasury objectives

Association of Corporate Treasurers

Argues that the right technology coupled with effective collaboration are essential tools for time-poor treasurers navigating an increasingly complex landscape of instant payments, digital channels, and cross-border operations.

Keynote Speaking, Guest Lectures & Panels

  • Guest Lecturer — iGTB Oxford School of Transaction Banking
  • The Future of Payments: Evolution, Innovation and Transformation — iGTB Podcast
  • ACT Cash Management Conference 2023 — Association of Corporate Treasurers
  • Inspire 2023: Beyond Corporate Banking — Coconet
  • Advisory Speaker — Payground, Sapphire Connect
  • PAY360 2022 — The Payments Association
  • Financial Crime 360
  • HM Treasury — National Payments Vision & #PaybyBank with the British Retail Consortium
  • Rustik Travel Podcast — “One Hundred and Counting”

Beyond the Day Job

Painter
Poet & Writer
Photographer
Paraglider
100+ Countries
Pro Bono

I hold a patent in digital identity verification. I advise nonprofits on strategy and financial modelling—because good ideas shouldn't fail due to poor execution. I've set foot in over 100 countries and talked about it on the Rustik Travel Podcast. But mostly, I just keep exploring, creating, and learning.

The Side Projects

By day I lead technology for a global payments company. By night I build things I wish existed. Side projects are where I test ideas, learn, and explore.

That's Polyglyph Analytica.

See the work

Proud Alumnus

Indian Institute of Management, Bangalore

MBA.

University of Delhi

BSc (Hons) Chemistry.