The Bridge DFS Engagement Approach

At Bridge DFS ( we know that by listening to and empathising with our clients and their customers, we can rapidly discover gaps and opportunities. Our aim is to spend 20% of the time taken for typical research to identify 80% of more of the opportunities. With our clients we look for new tools and solutions that are not in place today. And then we invest in thinking, designing building and refining prototype solutions till they meet customers needs before implementing them.

Unlike typical research firms and consultancy organizations which deploy generalists to work on financial services projects, at Bridge DFS we pride ourselves on our industry knowledge and the network of experts in this domain. We use this experience and expertise to help our clients to accelerate their progress from concepts to solutions.

Talk to us to find out how we helped India’s largest payment bank solve a liquidity challenge or how we solved a cash-management problem for a dominant eCommerce player by offering instant lending.

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“Our life is frittered away by detail. Simplify, simplify, simplify! I say, let your affairs be as two or three, and not a hundred or a thousand; instead of a million count half a dozen, and keep your accounts on your thumb-nail.” – Henry David Thoreau

Making and managing money is a deeply personal and often contentious topic. Equally, the approaches, strategies and methodologies are diverse and often intimidating for most who are not professionals in the arena. Fintech has always played a key role in helping make sense of what to invest in, how much to allocate and when to time entry and exit. The fintech of wealth management or “WealthTech” has evolved from ticker-tape to Robo-Advisory. Asset classes have expanded. Sustainable Investments and Crypto-related assets are no longer the realm of innovators and early adopters.

Typically, Consumer Banking and Private Bank heads are pushed towards “get some fintech”. At Bridge DFS we’ve seen this process play-out, often to the detriment of customers. Hard-nosed and well-experienced wealth management leaders know one truism – the backflow from customer dissatisfaction with WealthTech can have serious impact on the consumer confidence in the bank. Wealth is a skittish entity, moving very quickly away from even the smallest scent of danger. This leads to “analysis paralysis”, especially among larger and more established banks. Which is why smaller and nimbler wealth-focussed consumer fintechs are rapidly gaining traction.

At Bridge DFS, we’ve seen first hand the value of Thoreau’s words – “Simplify, simplify, simplify!” The best solutions for your customers come from simply listening to them. Each financial institution has it’s own “personality” and it attracts it’s own group of customers. There is no “best” solution for every type of customer. However, there is usually a B2B WealthTech solution out there – Robo-Advisory, stock-trading app, client management platform that meets the specific requirements of your institution and customer base. There are hundreds of pretty impressive B2B platforms and at least one of them will meet the needs of your institution in terms of scope, geography and availability. To discover the right fintech solution, the traditional technology-team led, procurement-heavy RFP process is usually inadequate. The dice are biased by legacy tech and the related internal and external service providers.

Instead, we suggest listening and empathising with your customers. Bridge DFS ( can facilitate this via Design Thinking workshops that include your customers’ participation. With your customers, you can rapidly conceptualize and build solution prototypes that meet their needs. This process can augment or even replace expensive, usually inconclusive and time-consuming focus-groups and cost-heavy consumer research.

When you’ve identified a solution or product prototype, Bridge DFS can help you as the business-driver to discover and test the right fintech in a matter of days instead of the several months or even years that it usually takes. This can be achieved through our extensive network of industry partners or via our partner, APIX (, a cost-efficient fintech aggregation platform developed by the International Financial Corporation and the Monetary Authority of Singapore.

With Bridge DFS, you as a decision-maker in the business domain or the innovation domain can control the entire product development process end-to-end. Cost-effectively and highly time-efficiently.

If you are a decision-maker or a key-influencer and would like to know more about how to time-efficiently and cost-effectively onboard WealthTech to your insitution, we’d like to hear from you. or

Or visit us at

#fintech#digitallending #digitalfinancialservices #digitalcommerce #digitalbanking #wealthmanagement #innovation #designthinking #mastercard #visa #QIB #ADIB #ENBD #APIX

Quarantine Diary Post#3: Seafaring without sickness

Not even 40 years ago, our port was the destination for business people from the region, arriving by ship after weeks of gruelling travel. And the starting point for traders and entrepreneurs going out to explore far away markets.

For some of our predecessors there was no choice and this was inherent to earning a livelihood. Today, quarantines have replaced those journeys. Weeks of isolation that bookend business trips. I was in a conference call with a colleague from the digital money industry earlier today and she was laughingly recalling that she’s spent more time in isolation since the beginning of the year that out of it. In many of the countries that we operate in, trust can only be built up in person. Therefore travel is still a necessity.

But unlike the journeyers that have gone before us, we are digitally connected, in sanitized comfortable accommodation, our well-being monitored by professionals and still able to work full-time. It’s a matter of getting used to it. I will have to travel again and possibly go through this again. But it’s but a fraction of inconvenience of travel but a few decades ago.

To contact Bridge DFS about your digital transformation in financial services, please visit our website:

#ccpn #digitalmoney #digitallending #mastercard #citi #visa #digitalfinancialservices #innovation #designthinking #advisory #singapore

Quarantine Diary Post#2: Making it personal

Image from WeWork, Atlanta, GA

Small businesses, mom&pop stores, solo-preneurs – we are the bulk of the employers around the world. Small businesses are personal – born out of necessity or passion. To keep the home-fires burning we have to soldier on. As much as we would love wfh, its often a luxury.

Many of us to do remarkable things to keep ourselves and our companies safe. An eCommerce store owner I know who has nine employees had to create a safe-distance environment in a tiny working area. The owner moved inventory between desks, creating physical barriers, everybody was double-masked all the time and timings were staggered to reduce in-office presence. All employees were vaccinated and given time-off if there were any reactions. All this while demand jumped up tremendously.

My business partner and I ensure safe-distance at our discussions, we follow a rigid protocol when entering buildings or meeting at office. And always drive separate cars to meetings.

We naturally envy large corporations that get relief but real business does not work that way. It’s about driving the top-line and reducing costs.

We fully appreciate the requirements for quarantines. Challenging as they may be, they keep us safe as well as protect the communities we do business in.

Satya Nadella @ SFF – Purpose, Culture, Design Thinking and Cricket

#Digitalpayments #Cricket #Digitallending #HCD #Designthinking #Payments #Lending #Banking #SFF #SingaporeFintechFestival

Amazing energy – hearing Satya Nadella transported digitally to my PC screen and speaking almost personally to me during the SFF online event was an outstanding experience.

His words,”Discovering the unmet, unarticulated needs of your customers, listening beyond the words…(through Design Thinking)” is promptly getting into all of our sales decks.

On transformation, he said, ” Two things. Purpose and Culture…Purpose – Why do we exist, our sense of why we were created, as a company. And Culture – Even if you have purpose, from ancient Greece to modern Silicon Valley, the only thing that comes in the way is hubris. We have to move from being ‘know-it-alls’ to ‘learn-it-alls’. “

This is precisely why Bridge DFS ( takes our financial services clients through a process of Design Thinking. We are not “know-it-alls”. We learn alongside with our clients in every engagement. To help them find solutions that are unique to their business.

And about Cricket – look carefully in the background of the picture to see the cues. Mr. Nadella has been a passionate cricketer from his school days.