Writing

A central home for all my writing, from my own original articles and essays to simplified breakdowns of academic papers.

  1. Illustration of children and a dog under prayer flags, looking up at a floating Himalayan city

    Essay21 September 20267 min read

    Banking the Unbanked: How Nepal's Fintech Wave Can Reshape Financial Inclusion

    A third of Nepalis still sit outside the formal financial system. From the 2008 crash to COVID-19 to M-Pesa and UPI, here is why fintech could be the bridge, and what it will take to reach the last mile.

  2. Illustration of a smiling globe linked by arrows to technology, culture and economy

    Essay14 September 20263 min read

    Globalization 4.0 Meets Bureaucracy 1.0: Why Nepal Risks Missing the Next Tech Leap

    Nepal has built real digital foundations, from near-universal mobile internet to blockchain cash transfers. But weak institutions, a rural divide and bureaucratic inertia could leave it behind in the next technological wave.