About Myself
Hi, my name is Sumit Karnik, and I have over 8 years of experience in the banking and payments industry, working closely with global payment systems and financial products.
I have hands-on experience across areas such as ATM integration, card issuing, corporate payments, ISO 20022, SWIFT messaging, and real-time payment systems like UPI, PIX, and USRTP. This real-world exposure has helped me deeply understand how payment products work behind the scenes—from design to execution.
I am a fintech enthusiast with a strong interest in payments and product management. My professional goal is to build and manage scalable, customer-focused payment products that solve real problems.
I enjoy researching and learning about future trends and innovations in the payments ecosystem, which motivated me to start this platform. Through my writing, I aim to explain complex fintech and payment concepts in a simple, practical, and easy-to-understand way for professionals, learners, and anyone curious about fintech.
About Fintech Product Guide
FintechProductGuide.com is a knowledge-driven blog focused on banking, payments, fintech, and product management.
The mission of this website is to provide clear, structured, and practical explanations of complex financial and technology concepts—helping readers build strong fundamentals in the fintech and payments domain.
This platform covers topics such as:
- Global payment systems
- Cards, real-time payments, and clearing & settlement
- ISO 20022 and payment messaging
- Banking workflows and fintech product design
- Product management concepts
Through my articles, I focus on explaining how things actually work in the real world—from payment flows and banking processes to product decision-making practices. My goal is to simplify complexity, provide clarity, and help readers confidently understand and grow in the fintech space.
Whether you are a payment professional, product manager, fintech enthusiast, or student, this platform is designed to support your learning journey.
I hope you find the content useful, practical, and engaging.
Thank you for being here.