Kina Series: Why Digital Banking? – Insights with Mr. Subash Sharma at Embark College

Embark College hosted a highly engaging and relevant edition of its flagship Kina Series on 21st May 2026 for BSc. Business Management (BSc. BM) and MBA students. The session, centered on the thought-provoking question “Kina Digital Banking?”, was delivered by Mr. Subash Sharma, Executive Director of Corporate Strategy and Spokesperson at F1Soft Group, one of Nepal’s leading and most influential technology companies, best known for pioneering digital payments through eSewa.

The session explored the rapid transformation of Nepal’s financial landscape and the growing importance of digital banking in driving financial inclusion, economic efficiency, and innovation. Mr. Sharma explained how digital banking is moving beyond mere convenience to become a fundamental driver of economic growth, especially in a country like Nepal with a large unbanked population, high remittance inflows, and increasing mobile penetration.

Students gained deep practical insights into the evolution of digital finance in Nepal. Mr. Sharma discussed the journey of eSewa and F1Soft Group, highlighting key milestones in building Nepal’s digital payment ecosystem, overcoming infrastructure challenges, and scaling services across urban and rural areas. He covered critical topics such as the role of fintech in reducing cash dependency, enhancing transaction security, improving access to credit for SMEs, and supporting government initiatives for a cashless economy.

A major highlight was the discussion on the future of digital banking. Mr. Sharma addressed emerging trends including open banking, QR payments, digital lending, blockchain applications, AI-driven financial services, and the integration of digital wallets with broader financial ecosystems. He also candidly spoke about challenges such as cybersecurity threats, digital literacy gaps, regulatory hurdles, and building customer trust in a rapidly evolving sector.

Mr. Sharma encouraged students to view digital banking not just as a technological shift but as a powerful tool for social and economic inclusion. He shared inspiring examples of how digital finance is empowering small businesses, women entrepreneurs, and rural communities while contributing significantly to Nepal’s digital economy ambitions.

Mr. Subash Sharma’s distinguished leadership at F1Soft Group brought immense credibility and inspiration to the session. As a key figure in Nepal’s fintech revolution, he has played a pivotal role in shaping the country’s digital payments landscape. His strategic vision and deep industry experience offered students rare insights into building and scaling technology-driven businesses in emerging markets.

The session concluded with a dynamic and interactive question-and-answer segment. Students asked thoughtful questions on career opportunities in fintech, the impact of digital banking on traditional banks, strategies for building successful fintech startups in Nepal, and the future of financial services in the region. Mr. Sharma provided candid, experience-based answers that left a strong impression on the audience.

This Kina Series session by Mr. Subash Sharma at Embark College offered BSc. BM and MBA students a comprehensive understanding of digital banking’s transformative power in Nepal. By featuring leading industry voices like Mr. Sharma, the college continues to deliver high-impact, forward-looking learning experiences that prepare students to thrive in Nepal’s rapidly digitizing economy and contribute meaningfully to its financial transformation.