Jimmin J. Kurichiyil

Executive Director of Aceware Fintech Services Pvt Ltd

Jimmin J. Kurichiyil- Member of the Business Council for Banking and Trade Finance


Jimmin J Kurichiyil, as the Executive Director of Aceware Fintech Services Pvt Ltd, is a pioneering force in the fintech industry, particularly in promoting financial inclusion within India's rural communities. With a background as a B.Tech graduate and over 15 years of experience as an entrepreneur and innovator, Jimmin has consistently demonstrated his capacity to navigate and lead in the fast-evolving fintech space. His expertise lies in identifying market possibilities, forecasting demands, and embracing challenges, guiding his team toward substantial growth and innovation.

Founded in 2020 amidst the pandemic, Aceware Fintech Services was born out of the necessity to provide doorstep banking and ATM services to individuals confined to their homes. Recognizing the broader potential of fintech solutions in rural areas, Jimmin expanded the company's offerings to include a variety of digital banking and payment solutions accessible through a single platform, leveraging a network of merchants as agents to bring these services to the public.

One of Jimmin's key contributions to the industry is the development of "Jana Sevana Kendra," a digital utility software designed to offer utility and government online services to digitally illiterate individuals via regional service centers. This initiative underscores his commitment to bridging the digital divide and ensuring broader access to essential services.

Jimmin's leadership has propelled Aceware Fintech Services into a significant milestone, becoming part of Radiant Cash Management Services, a listed company. This achievement marks a pivotal moment in the company's journey and stands as a testament to Jimmin's vision and dedication to the fintech sector.

The fintech industry in India has undergone substantial growth in the last few years, a period that has seen Aceware evolve and expand its impact. Despite challenges such as digital literacy and building trust among rural populations, Jimmin remains optimistic about the future, envisioning the company's evolution into a rural digital bank that enables comprehensive participation in the nation's digital financial growth.

Jimmin is particularly excited about emerging technologies and trends within fintech, such as wearable payment accessories and tokenization, viewing these advancements as opportunities to further enhance and personalize financial services.

For those aspiring to make their mark in the fintech industry, Jimmin advises a thorough understanding of the product, regulatory norms, operational standards, and compliance, coupled with a deep knowledge of the market and customer needs. He emphasizes the importance of innovation and the need to offer distinctive solutions.

Faced with setbacks and challenges, Jimmin's strategy focuses on maintaining a clear vision, fostering a dedicated team, and adhering to a consistent and systematic approach. While he doesn't single out specific role models, he finds inspiration in the achievements of great entrepreneurs across various fields.

Beyond his professional endeavors, Jimmin enjoys traveling, exploring new places, and experiencing different cultures, which adds to his well-rounded personality and global perspective.

As a member of the Banking, Finance, and Trade Finance Business Council in the International Trade Council, Jimmin J Kurichiyil's contributions are not just confined to his company but extend to shaping the broader fintech landscape, making significant strides towards financial inclusion and digital empowerment.