Shows
The India FinTech DiariesEP082 - Lending - In conversation with Shweta Pandey, Co-founder and CEO, ARTHIn this inspiring episode of India FinTech Diaries, we sit down with Shweta Pandey, co-founder and CEO of ARTH, to explore how inclusive fintech is being built—one village, one woman entrepreneur at a time.ARTH isn’t just a lender; it’s a phygital platform blending digital convenience with on-ground trust, designed specifically to support women-led nano and micro businesses across India. Shweta shares deep insights into the unique design principles behind ARTH’s credit products, the structural bias in lending, and how credit must be paired with capacity building and empathy—especially in Bharat’s context....2025-07-1154 min
The India FinTech DiariesEP081 - Stablecoins - In conversation with CA Aishwary Gupta, Global Head of Payments - Polygon LabsIn this future-forward episode of India FinTech Diaries, we sit down with Aishwary Gupta, Global Head of Payments at Polygon Labs, to unpack what comes after UPI. With stablecoin legislation gaining traction globally and Web3 infrastructure maturing rapidly, this episode explores what India’s next-generation payment rails could look like in a programmable, tokenized future.Here’s what you’ll learn: 🪙 The role of stablecoins & CBDCs ⚙️ Why UPI needs a programmable upgrade 🤖 Agentic commerce & AI-powered banking 🌍 How Polygon is scaling payments globallyContact Polygon LabsAishwary on...2025-05-3136 min
The India FinTech DiariesEP080 - Cross-Border Payments - In conversation with Sanjay Tripathy, Co-founder & CEO, BRISKPEIn this episode of India FinTech Diaries, we sit down with Sanjay Tripathy, Co-Founder & CEO of BRISKPE, to explore how they’re solving one of the most complex challenges faced by Indian MSMEs—cross-border B2B payments. From opaque processes and costly fees to regulatory hurdles, cross-border trade remains a daunting space for exporters and service providers alike.Sanjay shares the BRISKPE origin story, their mobile-first approach, and how the team is building a future-ready, regulation-first cross-border platform trusted by MSMEs across India.Key Highlights:🌍 Solving the Real Pain: Problems faced by the goods e...2025-05-1841 min
The India FinTech DiariesEP079 - InsurTech - In conversation with Anand Prabhudesai, Co-founder, TurtlemintIn this episode of India FinTech Diaries, we dive into the transformation of insurance distribution with Anand Prabhudesai, co-founder of Turtlemint. Anand shares how Turtlemint is breaking down the complexities of insurance, making it accessible for millions across India through technology and a vast agent network. From revolutionizing how insurance is sold to training a new generation of financial advisors, Turtlemint has been at the forefront of India's insurtech revolution.Key Highlights:💡 Simplifying Insurance: Turtlemint empowers agents with tools and training to make insurance easier for customers, especially in remote areas.🚀...2025-03-1439 min
The India FinTech DiariesEP078 - Cross-Border Payments - In conversation with Movin Jain, Founder, SkydoIn this episode of India FinTech Diaries, we explore the complexities of cross-border payments with Movin Jain, co-founder of Skydo. Skydo has been at the forefront of simplifying global transactions for Indian businesses, providing seamless B2B payment solutions to small and medium enterprises (SMEs) across various sectors. Movin shares insights on how Skydo is breaking down the barriers of traditional banking, making international payments faster, cheaper, and more transparent.Key Highlights:💡 Challenges in Cross-Border Payments: Movin explains the complexity of global transactions, from financial crime risks to the high costs imposed by traditional banks.2025-02-2833 min
The India FinTech DiariesEP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit BharatIn the second episode in the DLAI Fintech Conclave 2025 podcast series, we are joined by Pallavi Shrivastava, co-founder of Progcap, to explore the critical role of MSMEs (Micro, Small, and Medium Enterprises) in driving India's economic growth. As India sets its sights on achieving Viksit Bharat—a vision of a developed India—MSMEs are positioned as a key driver of this transformation. However, access to finance and digitization remain significant challenges for many small businesses.Pallavi shares her expert perspective on how fintech innovation is bridging these gaps, empowering MSMEs with much-needed access to formal credit and digi...2025-02-1531 min
The India FinTech DiariesEP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer FinanceCarrying on with the tradition of episodes with DLAI, this year we tried something different and worked on recording episodes after their Annual Fintech Conclave. In the first episode in this series, we explore the dynamic shifts in consumer finance with Anuj Kacker, co-founder of Freo. Anuj shares his perspective on how the fintech industry has evolved in the last five years, from post-pandemic recovery to the increasing importance of financial inclusion and managing risks. We covered the following with Anuj:
💡 Post-Pandemic Growth
📈 Demand Shifts
🔍 Risk Management in lending
🚀 The Future of Finance2025-02-0140 min
The India FinTech DiariesEP075 - Transit Payments - In conversation with Manoj SugathanIn our first episode of 2025, we dive into the world of open-loop transit payments with payments industry veteran, Manoj Sugathan. With over 30 years of experience, Manoj has played a pivotal role in driving contactless payment solutions across the Asia-Pacific region. We explore the future of public transportation payments and how open-loop systems are revolutionizing the way commuters travel globally.
Key Highlights:
🔄 Closed-loop vs. Open-loop Systems: Manoj explains the difference between transit-exclusive payment cards and open-loop systems that allow you to use your everyday contactless cards or mobile wallets to pay for public tra...2025-01-2541 min
The India FinTech DiariesEP074 - 2024 Retrospective - In conversation with Neha Singh, Co-Founder, TracxnIn this special end-of-the-year episode of, we sit down with Neha Singh, co-founder of Tracxn, to discuss the major funding trends that shaped the fintech landscape in 2024 and what lies ahead for 2025. Tracxn, one of the leading data intelligence platforms for private market research, tracks over 3.3 million entities across industries globally. With such a vast pool of data, Neha provides invaluable insights into the current state of fintech funding and the future of this rapidly evolving industry. In conversation we discussed:
📉 2024 Fintech Funding Trends
💰 Top Sectors for Funding
🚀 What’s Ahead for 2...2024-12-2830 min
The India FinTech DiariesEP073 - SamvAAd 2024 - Powering the next billion Open Finance usersIn our next episode in the SamvAAd 2024 series, we dive deep into the evolving world of Open Finance with Kiran Gopinath, the founder of Open Finance Connect. Open Finance is reshaping financial services globally by enabling consumers to control and share their financial data for better products and services and India and the AA ecosystem is at the forefront of it.
Here are the key highlights:
💡 What is Open Finance?
🌍 Global Leaders in Open Finance
🥇 India's Open Finance Success
🔮 Looking Ahead to 2030
Tune in to learn how Open Finance...2024-12-1831 min
The India FinTech DiariesEP072 - SamvAAd 2024 - AA in 2024 - Progress and PotentialIn the latest episode, we explore the journey of India's account aggregator (AA) framework—a consent-based data-sharing platform transforming the financial landscape. We caught up with B.G. Mahesh, CEO of Sahamati and Shallu Kaushik, Digital Head of Tata Capital to discuss the rapid growth of India's account aggregator framework, and to help unpack the progress made since launch. We discussed:
📈 Growth of the AA ecosystem in India
🪙 Lending and wealth management as key use cases
💰 Benefits of AA adoption
🔮 Challenges and future adoption
Tune in to t...2024-12-1449 min
The India FinTech DiariesEP071 - Loyalty - In conversation with Rishi Batra, Co-founder & COO, TwidIn the latest episode, we dive deep into the world of loyalty programs and their intersection with payments with special guest Rishi Batra, Co-Founder and COO of Twid. India’s loyalty market is rapidly growing, and Twid is at the forefront of redefining how consumers engage with rewards. In this episode we discuss:
📈 Loyalty trends in India
🪙 Pay with points innovation
⚔️ Challenges in building a reward network
💰 Economics of loyalty
🔮 Future of loyalty
Tune in to the full episode to learn more about the exciting innovations shaping the future of loya...2024-12-0128 min
The India FinTech DiariesEP070 - Co-Brands - In conversation with Ramanathan RV, Co-Founder HyperfaceIn this latest episode , we delve into the fascinating world of co-branded credit cards and the future of credit in India. Our guest, Ramanathan RV, co-founder of Hyperface, shares his expert insights on the evolution of credit cards and fintech solutions. From his journey at BankBazaar and JustPay to launching Hyperface, Ram takes us through the intricacies of credit card ecosystems and the digital transformation of India’s financial sector. We discuss:
🔥 The Rise of Co-Brands in India
💸 Unique value of Co-Brands
💻 Technology’s role in Co-Brands
🏆 What it takes to win...2024-11-2449 min
The India FinTech DiariesEP069 - LatAm X India - In conversation with AtlanticoIn this episode of India FinTech Diaries, we venture beyond our usual focus on Indian FinTech to look at Indian Fintech with a Latin American lens. We are joined by special guests Julio Vasconcellos and Ana Martins from Atlantico, who share their impressions of Indian Fintech and how it contrasts with the Fintech ecosystem of Latin America. Here’s what we talked about:
🔥 The Indian Entrepreneurial Spirit and Global Ambition
💸 The Concept of the ‘Business of Free’ in India
🪙 Regulatory Evolution and Its Impact on FinTech
🌎 Fintech in Brazil and Latin A...2024-10-1247 min
The India FinTech DiariesEP068 - PA-CB - In conversation with Reeju Datta, Co-founder, CashfreeAs India’s e-commerce landscape continues to boom, ranking 9th in global cross-border growth, companies are increasingly looking for ways to streamline international payments.In this episode we dive into the dynamic world of cross-border e-commerce payments with Reeju Datta, co-founder of Cashfree. Reeju offers a behind-the-scenes look at how Cashfree has been a game-changer in this space, helping Indian businesses expand globally without the hassle of setting up shop abroad. From discussing the innovative beginnings of Cashfree—designed to reduce the reliance on cash-on-delivery—to explaining the complexities of Payment Aggregator Cross-Border (PACB) licences, Reeju shares insights that will f...2024-10-0324 min
The India FinTech DiariesEP067 - Credit Line on UPI - In conversation with Sivaram Kowta, President - Banking, Zeta IndiaUPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore:
💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030.
💰...2024-09-2040 min
The India FinTech DiariesEP066 - Credit Line on UPI - In conversation with Gaurav Mittal, CEO & Co-Founder, Vegapay
It has been about a year since the Credit Line on UPI was announced. We caught up with Gaurav Mittal, CEO and co-founder of Vegapay, to understand what has happened in this space in the year gone by and what are some of the technology considerations for launching such a successful product. In the episode we discussed:
💸 Credit Lines and the role of third party apps
⚙️ Tech stack and regulations
💰 Opportunities for banks
🗺️ Vegapay’s role in the ecosystem
Listen to this first episode in our series on Credit Line on...2024-08-2719 min
The India FinTech DiariesEP065 - National Fintech Day Special - Fintechs & MSMEsIn this special episode of India Fintech Diaries, we celebrate National Fintech Day with a deep dive into the role of fintechs in supporting MSMEs, the backbone of India's economy. Our guests, Kumar Shekhar, Deputy Country Manager of Tide India, and Sundeep Mohindru, CEO,Promoter and Director of M1xchange, share their insights on the challenges and opportunities faced by MSMEs in accessing banking and lending services. We explore the innovative solutions fintechs are providing to close the financing gap, the evolving role of government policy, and how these digital platforms are reshaping the future of MSME financing in...2024-08-2244 min
The India FinTech DiariesEP064 - GenAI - In conversation with Ankit Ratan, Co-Founder, SignzyIn our next episode on AI, we spoke with Ankit Ratan, Co-Founder Signzy. Ankit helped us understand and answer the important question of how GenAI is helping banks with compliance and regulators with monitoring compliance. In our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ SupeTech and GenAI
🔑 Key considerations for navigating compliance & AI
💡 Signzy and AI
Listen to this episode for insights on the intersection of GenAI and compliance
Contact Ankit
LinkedIn: https://www.linkedin.com/in/ankitratan/
Email: ankit [at] si...2024-04-2745 min
The India FinTech DiariesEP063 - GenAI - In conversation with Anant Gupta, FSI Head, Google Cloud IndiaIn our latest episode on AI, we spoke with Anant Gupta, FSI Head, Google Cloud India to better understand how AI use cases are implemented on the cloud and how financial services firms could leverage the cloud to bring AI use cases to life. During our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ Implementing AI use cases on Google Cloud
🔑 Key considerations for implementing AI
💡 Parting thoughts on evolution of AI use cases in India
Listen to this episode for perspectives on how GenAI is changing fina...2024-04-1330 min
The India FinTech DiariesEP062 - GenAI - In conversation with Raoul Nanavati, Co-founder & CEO, NavanaGenerative AI is rapidly transforming many industries across the globe and financial services is one of them. To better understand the impact of GenAI and AI in general on the financial services space, our next few episodes will be focused on speaking to companies and leaders in this space. To begin unpacking this topic we spoke with Raoul Nanavati, Co-founder & CEO, Navana. Navana.ai empowers businesses to create user-friendly digital interfaces for the next billion and is actively working with financial services firms to help them interact with their customers in regional languages. During our conversation we discussed:
2024-03-3026 min
The India FinTech DiariesEP061 - Wealthtech - In conversation with Ridhi Doongursee, Co-founder LXMEDid you know that 95% of women did not access any financial platform? To understand what are some of the barriers to financial product adoption among women and how fintechs can help solve this, we thought that it would be a timely topic to deep dive into on International Women’s day. To help us unpack this topic we spoke with Ridhi Doongursee, Co-founder LXME. During our conversation we discussed:
🗺️ Ridhi’s journey to starting LXME
🫰 Challenges for financial adoption
💡 How LXME is solving adoption challenges
🧰 Product overview, traction and technology...2024-03-0826 min
The India FinTech DiariesDLAI Fintech Conclave 2024 - Empowering Women: Closing the Credit GapThis Friday is International Women’s Day, and we thought that in our next episode in the DLAI Fintech Podcast Series, we would discuss the important issue of the credit gap between genders and how we can bridge it. To shed more light on the issue and provide insights on solutions, we spoke with Puneet Gupta, Co-Founder of Kaleidofin. We discussed:
💸 Why do rural women not have access to affordable Finance?
🌏 Solutions seen Internationally and parallels to India
🏦 MFIs and credit access
💹 How Impact Investing can make a difference
⚖️ Imperatives for st...2024-03-0432 min
The India FinTech DiariesDLAI Fintech Conclave 2024 - Digital Lending Guidelines: One Year LaterIn Sep 2022, the RBI announced the Digital Lending Guidelines which had a profound impact on the digital lending landscape in India. Now over one year later we unbox what this has meant for the ecosystem with our special guest Sanjay Khan Nagra, Partner, Khaitan & Co. In the episode we discussed:
🏛️ Recap of the Digital Lending Guidelines
📜 Impact on default guarantees
💸 Impact on BNPL
🛒 Impact on Payment Aggregators
🛡️Impact on disclosures and data privacy
Join us for this timely conversation as we count down to the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/
DLAI Fintech Conclave 2024: https://conclave.dlai.in/
LinkedIn...2024-02-2924 min
The India FinTech DiariesDLAI Fintech Conclave 2024 - Artificial Intelligence in FintechIn our next episode in the DLAI Fintech Conclave 2024 podcast series, we examine Artificial Intelligence and how it's powering new and old use cases in financial services. To unpack this, we were joined by Anuj Kacker, Co-Founder of Freo and Neeraj Gupta, Managing Director of Branch International. We discussed:
Use cases of AI in Financial Services
Challenges faced by AI in adoption
Way ahead for AI Adoption
Join us for this discussion on how cutting edge technology is influencing financial service as we count down to the DLAI Fintech Conclave 2024
Contact DLAI2024-02-2640 min
The India FinTech DiariesDLAI Fintech Conclave 2024 - SRO and it’s implications for FintechWe are back with a special podcast series in collaboration with the DLAI Fintech Conclave 2024. In the first episode in the series we caught up with Jatinder Handoo, CEO of DLAI on the recently announced framework for Self Regulatory Organizations (SRO) and its implications for Fintechs. We discussed:
What is an SRO?
Salient features of the SRO framework
Benefits for the Fintech ecosystem
Join us for this timely conversation as we count down to the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/
DLAI Fintech Conclave 2024: https://conclave.dlai.in/
LinkedIn: https...2024-02-2222 min
The India FinTech DiariesEP060 - Wealthtech - In conversation with Satyen Kothari, Founder & CEO Cube WealthIn the last few years the entire landscape of retail investing in India has changed. From being able to invest in stocks at the click of a button to opening an FD digitally to being able to invest in new avenues like invoice factoring, P2P lending, alternative assets etc. the Indian retail investor has come a long way. We spoke with Satyen on what’s changed in the investing landscape and how Cube Wealth is providing a platform that integrates a lot of these trends. During our conversation we discussed:
🗺️ Satyen’s journey from Silicon Valley to Fintec...2024-02-0344 min
The India FinTech DiariesEP059 - What’s in store for Indian Fintech in 2024?After an absolutely interesting 2023, we were wondering what's in store for 2024? To answer that question we spoke with Jatinder Handoo - CEO of the Digital Lenders Association of India, Dhirendra Mahyavanshi - Co-founder of Turtlemint, Rajesh Mirjankar - MD & CEO at Kiya.ai and Satyen Kothari - Founder and CEO of Cube Wealth. We spoke with them about:
💸 Digital lending
📒 InsurTech
⚙️ Banking Technology
💰 WealthTech
Listen to this episode for perspectives on where Fintech is headed to in 2024!!! 2024-01-1321 min
The India FinTech DiariesEP058 - 2023 Retrospective with Navin Surya2023 was indeed a roller-coaster year for Fintech in India, with several interesting developments across the entire spectrum of Fintech Subsectors in India. To recap the most interesting and important developments of the year we caught up with Navin Surya, Fintech Thought Leader, Mentor and Investor. We spoke with Navin about:
💰 Fintech Funding in 2023
💸 Digital lending in 2023
📒 Changing fintech models
⚙️ Account Aggregators & ONDC
🏦 RBI & Fintech regulation
💡 Fintech models to watchout for in 2024
Contact Navin
LinkedIn : https://www.linkedin.com/in/naveensurya/
2023-12-2851 min
The India FinTech DiariesEP057 - WealthTech - In conversation with Saurabh Jain, Co-Founder, Stable MoneyLast week the SENSEX breached the historic 70,000 mark. This week was a different story, with the market displaying high volatility and even losing 931 pts on 19 Dec. With this amount of volatility, what avenues are available for investors seeking more steady and sedate returns? To discuss this we caught up with Saurabh Jain, Co-founder of Stable Money. During the podcast we discussed:
💡 The problem that Stable Money Solves
⚙️ How it works
📒 Product, Customers, Technology and traction
💰 Revenue model
🚩 Future roadmap
Contact Saurabh
LinkedIn: https://www.linkedin.com...2023-12-2230 min
The India FinTech DiariesEP056 - Fintech regulations - Self Regulatory OrganizationsLast month, during the monetary policy announcement, the Reserve Bank of India (RBI) Governor Shaktikanta Das indicated that the RBI would issue an Omnibus framework for Self Regulatory Organizations or SROs. But what exactly are SROs? And how can they change the way Fintech is regulated in India? To understand this and more we spoke with Shivashish Chatterjee, Co-founder DMI Finance and Jatinder Handoo, CEO , Digital Lenders Association of India. We spoke with them about:
⚖️ What is a SRO and why do we need one?
🌏 Global examples of SROs
📒 Expectations from the Omnibus framework2023-11-1845 min
The India FinTech DiariesEP055 - In Conversation with Anand Kumar Bajaj, Founder, MD & CEO - PayNearbyAccording to the IMF, India is on track to achieve the milestone of becoming a $5 trillion economy by 2027. As India pursues this ambitious growth trajectory, ensuring equitable development and prioritizing financial inclusion is crucial. To gain deeper insights into the driving forces behind India's financial inclusion agenda, we recently had the opportunity to speak with Anand Kumar Bajaj, the Founder, Managing Director, and CEO of PayNearby, in our latest episode. We spoke with Anand about:
🎬 Genesis of PayNearby
💰 Size of the Financial Inclusion opportunity
🤝🏾 The BC ecosystem
👩🏽 Women and Financial Inclusion
🏆 PayNearby’...2023-10-1442 min
The India FinTech DiariesEP054 - Payments - In Conversation with Ketan Patel, Co-founder & CEO, MswipeAs digital payments have expanded across India, increasing penetration of payment acceptance across India has become all the more important. To discuss the current state of the payment acceptance landscape and how acquirers can continue to be relevant, we caught up with Ketan Patel, Co-founder and CEO of Mswipe. We spoke to Ketan about:
💸 The current state of acquiring landscape in India
📈 Products, growth and traction of Mswipe
🛤️ Road ahead for Mswipe
Contact mSwipe
Website: https://www.mswipe.com/
LinkedIn: https://www.linkedin.com/company/mswipe/
X: https://twi...2023-10-0718 min
The India FinTech DiariesEP053 - Payments - In Conversation with P.T. Suresh, Founder - PayCraftToday India has probably an addressable market of $10Bn+ for transit payments, but still a significant amount of Transit payments are in cash. But what if this could change? How would this impact the lives of millions of daily commuters in India? We caught up with P.T. Suresh, Founder, PayCraft to answer these questions and understand the evolution of Transit payments in India. We discussed:
🚄The origins and growth of Transit Payments in India
💸 The various business models for Transit payments
📈 Products, growth and traction of PayCraft
🛤️ The road ahead for Transit pa...2023-08-2640 min
The India FinTech DiariesEP052 - Lending - In Conversation with Neha Juneja, Co-founder & CEO, IndiaP2PP2P lending is emerging as an asset class as investors try and diversify their portfolios. But what goes on behind the scenes at a P2P lender? And how can P2P lending be a force for good? Join us in our latest episode as we speak with Neha Juneja, Co-founder and CEO of IndiaP2P to learn more about this fascinating facet of lending. In our discussion we discuss:
🤝🏽What is P2P lending?
💸 Customer segments, underwriting & distribution channels
🖥️ Technology in P2P lending
📈 Traction so far and road ahead
...2023-08-1125 min
The India FinTech DiariesEP051 - Lending - In Conversation with Mohit Bedi, Co-founder, KiwiCredit is about to witness a groundbreaking disruption, and we're at the forefront of it. In our latest episode, we unveil how Credit on UPI is set to revolutionise the Credit card industry in India. 💳 Join us for this game-changing conversation with our special guest, Mohit Bedi, Co-founder of Kiwi, as he shares invaluable insights into this innovative transformation. In our discussion we cover :
💳 The retail credit gap in India
💸 Credit on UPI and use cases
💡 Deep dive into Kiwi
📈 Traction so far
Contact Kiwi
Website: https...2023-07-2839 min
The India FinTech DiariesEP050 - In Conversation with Deepak Naragund, Co-founder & CFO, UpCapJoin us for an insightful journey into niche lending and lending adjacent products in the next episode in the series! This time, we're delving deep into the intersection of investing and invoice discounting. We caught up with Deepak Naragund to better understand how UpCap is taking a fresh take on Invoice discounting. In our discussion we cover :
❓ Problem facing SMEs & MSMEs in India
💰 How invoice discounting can help diversify investing
💡 Deep dive into UpCap
📈 Traction so far
Contacting UpCap
Website: https://upcap.co.in/
LinkedIn: https://www.linkedin.com/company...2023-07-2123 min
The India FinTech DiariesEP049 - Lending - In Conversation with Lakshmi Ravindran, COO, InvoicemartJoin us for an insightful journey into niche lending and lending adjacent products in our second episode! 📚 This time, we're delving deep into the fascinating world of Trade Receivables discounting. 💼 We had the privilege of sitting down with Lakshmi Ravindran, COO of Invoicemart, who shares valuable insights on what TReDS is and the problems it solves. In our discussion we cover :
❓ Problem facing SMEs & MSMEs in India
💰 How Trade Receivables discounting can unlock cashflow
💡 Deep dive into TReDS
🛣️ The road ahead
Contact Invoicemart
Website: https://www.invoicemart.com...2023-07-0934 min
The India FinTech DiariesEP048 - Lending - In Conversation with Sumit Chhazed, Co-founder and CEO, OTO CapitalWe are kick starting a new series that looks at lending products that are laser focused on specific niches. In this series, we zoom in on niche lending products that are transforming the way Indians access mobility. Our first guest is Sumit Chhazed, Co-founder and CEO of OTO Capital, a fintech startup that offers innovative two wheeler financing solutions. Join us as we learn from his insights and experience in this fast-growing sector. In our free-wheeling conversation with him that was practically a master class on the sector we discussed :
🛵 Size of the two wheeler market in Ind...2023-06-2354 min
The India FinTech DiariesEP047 - SamvAAd - In Conversation with B.G. Mahesh, Co-founder & CEO, SahamatiIn this episode we welcome back B.G.Mahesh, Co-founder & CEO at Sahamati. We have a candid discussion with Mahesh on how the rollout and traction of AA has been over the last few years and get a sneak peek into SamvAAd, India’s first AA conference. In the episode we discuss:
🚀 Traction of AA so far
💬 Feedback from Stakeholders
💰 Emerging innovative use cases
🫱🫲 SamvAAd, India’s first AA conference
Contact Sahamati
Website: https://www.sahamati.org.in/
LinkedIn: https://www.linkedin.com/company/sahamati/
Twitter: https://twit...2023-05-1932 min
The India FinTech DiariesEP046 - ONDC - In Conversation with eSamudaayWelcome to the latest episode of our ONDC series! This week, we're diving into the world of Seller Apps and their potential to drive economic growth in India. To gain a deeper understanding, we spoke with Medarisha Lyngdoh, Co-founder and COO - eSamudaay and Ravinder Singh Mahori, Co-founder and CTO - eSamudaay. In a free-wheeling discussion on the work eSamudaay is doing to empower small sellers in India, we spoke about:
🎬 Origins of eSamudaay
💰 The product and the business model
🧩 How ONDC fits into the equation
🔥 Traction so far
🛣️ The road ahead2023-05-1443 min
The India FinTech DiariesEP045 - ONDC - With Sanjeev Kumar, Co-Founder, ED & CEO at Spice MoneyWelcome to the latest episode of our ONDC series! This week, we're diving into the exciting world of Buyer Apps and their potential to drive economic growth in India. To gain a deeper understanding, we had the pleasure of speaking with Sanjeev Kumar, the Co-Founder, ED & CEO at Spice Money. In this insightful conversation, Sanjeev shared his perspective on why ONDC is the future and how Spice Money is bringing it to rural areas. Tune in to learn more!
💰Size of the ONDC opportunity
🚀How ONDC can be a game changer for Rural India
🔮Why ONDC is the future
💸The embedded fin...2023-04-1428 min
The India FinTech DiariesEP044 - ONDC - With Susmit Patodia, Director, Antler IndiaIn our latest episode, we delve into the world of digital commerce and explore the Open Network for Digital Commerce (ONDC), a revolutionary concept that has the potential to transform the ecommerce landscape in India. Our guest, Susmit Patodia, Director at Antler India, provides expert insights on the disruptive power of ONDC and its implications for both ecommerce and fintech in the country. Join us as we unpack the ONDC framework and discuss its key features, benefits, and challenges. From the potential to reduce transaction costs and increase interoperability to the potential to create 100 unicorns, we cover a wide...2023-03-2427 min
The India FinTech DiariesDLAI Fintech Conclave 2023 Podcast - A RecapIn our final episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Presha Paragash, CEO of Credit Saison India. Presha had a candid conversation with us on:
What’s exciting about India as a market for Digital Lending
Key highlights from the Fintech Conclave
Her top takeaways from the event
Join us for this for this wrap up of the DLAI Fintech Conclave 2023
Contact DLAI
Website
LinkedIn
Twitter
2023-02-0417 min
The India FinTech DiariesDLAI Fintech Conclave 2023 Podcast - Data Protection and FintechsData protection and privacy are the forefront with the recent guidelines on digital lending from the RBI and impending Digital Data Protection Bill. To help understand this crucial area better, in our fourth episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Prashanth Ramdas and Supratim Chakraborty, Partners, Khaitan & Co. In addition to discussing the whitepaper “Interplay between Data Protection and Digital Lending” that was co-authored by DLAI and Khaitan & Co, we also discussed:
What Data Protection and Privacy means
Implications of recent guidelines by the...2023-02-0128 min
The India FinTech DiariesDLAI Fintech Conclave 2023 Podcast - Demystifying Integrated FinanceIn our third episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Anurag Jain, Founder of KredX and Executive Committee Member, DLAI, We discussed:
What integrated or embedded finance means
Use cases and value pools for integrated finance
The role played by digital public goods
Policy and regulatory support needed
And more …
Join us for this interesting conversation as we wrap up the DLAI Fintech Conclave 2023
Contact Anurag
Email: anurag [at] kredx [dot] com
Website
LinkedIn
Contact DLAI
Website
Lin...2023-01-2829 min
The India FinTech DiariesDLAI Fintech Conclave 2023 Podcast - Serving the Next 100 MillionIn our second episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we discussed the very important topic of financial inclusion and what it means for both consumers and small businesses. We caught up with Sucharita Mukherhjee, Co-founder and CEO, Kaleidofin and Manish Lunia, Co-founder Flexiloans as we discussed:
What financial inclusion means for consumers and businesses
How fintechs are helping address financial inclusion
Challenges faced while addressing financial inclusion
Impact on the next 100 million
Join us for this interesting conversation as we count down to the DLAI...2023-01-2336 min
The India FinTech DiariesDLAI Fintech Conclave 2023 Podcast - What's in store for Digital Lending in 2023?We are kicking off 2023 with a special series collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the DLAI Fintech Conclave 2023. In the first episode in the series we caught up with Sashank Rishyasringa, co-founder of axio and President of DLAI on what’s in store for digital lending in 2023. We discussed:
What happened in 2022
Themes and trends for 2023
Wishlist for the regulator
Top predictions for 2023
Join us for this interesting conversation as we count down to the DLAI Fintech Conclave 2023 !!!
Contact DLAI
Website
LinkedIn
Twitter
2023-01-1925 min
The India FinTech DiariesEP043 - 2022 Retrospective - With Osborne Saldanha, Principal, EMVCThis year has been a roller coaster ride for Indian Fintech. Join us as we take a look back at the Year that was with our special guest, Osborne Saldanha from EMVC. In the episode we discuss:
Funding and the funding environment
Regulatory changes in the year
M & A, new fintech ideas and the macro environment
Our views on what 2023 holds for Indian Fintech
Take a walk down memory lane with us as 2022 draws to a close. And a very happy new year from India Fintech Diaries !!!
Contact Osborne
LinkedIn
Twitter
Newsletter
Email: os...2022-12-191h 00
The India FinTech DiariesEP042 - TechFin - In conversation with Anup Nayar, CEO-Domestic, In-Solutions GlobalOver the last five years UPI has revolutionised how Indians pay digitally. Last month, UPI actually crossed 7 billion transactions in a single month !!! This week we have Anup Nayar, CEO - Domestic, In-Solutions Global to discuss the meteoric rise of UPI and how firms like In-Solutions Global (ISG) are playing a key role in that journey. In our conversation with Anup we discuss:
Anup’s background and overview of ISG
Overview of UPI
Factors leading to UPI’s growth
New UPI innovations like UPI credit and UPI Lite
Role played by ISG in the ecosystem
Do listen to t...2022-11-2025 min
The India FinTech DiariesEP041 - Fintech Investments - In conversation with Melissa Frakman, CEO & Founding Partner, Emphasis VenturesContinuing in our series on Fintech Investing we caught up with Melissa Frakman, CEO & Founding Partner of Emphasis Ventures. In this episode with Melissa, we discuss :
Melissa’s background and long standing links with India
Her views on the evolution of Indian Fintech
Interesting comparison & contracts with US Fintech
Her approach to early stage venture investing
Her views on the road ahead for Fintech in India
Do listen to this episode to get a fresh take on Fintech investing in India.
Additional Reading
Raghuram Rajan Committee (2007), A Hundred Small Steps
Contact Me...2022-11-0531 min
The India FinTech DiariesEP040 - Fintech Regulations - In conversation with Mathew Chacko, Partner - Spice Route LegalA lot changed in the Indian Fintech world as new regulations were introduced by the RBI in the past few months. To decode the impact of these changes and understand the way forward, we caught up with Mathew Chacko, Partner - Spice Route Legal. In our conversation with him we discuss :
Impact of regulations on various models like PPI, BNPL, Digital lending
Deep dive into Digital Lending Guidelines
Some potential solutions to meeting regulatory asks
Do listen to this episode to get a nuanced understanding of the impact of recent regulations.
Contact Mathew
LinkedIn
...2022-10-0139 min
The India FinTech DiariesEP039 - Fintech Investments - In conversation with Sandeep Patil, Partner, QED InvestorsWhat’s happening in the world of Fintech Investing? How are venture capitalists approaching investments in these turbulent times? Are they still gung-ho on India? To answer this and more, we caught up with Sandeep Patil, Partner and Head of Asia at QED Investors. In our discussion, we spoke about:
Funding Landscape in India
Impact of regulations
QED’s Investments in India
QED’s Investment philosophy and approach
Road ahead for Fintech in India
Do listen to this episode to get a glimpse into the inner workings of Fintech VC.
Contact Sandeep
LinkedIn
Email: sandee...2022-09-0733 min
The India FinTech DiariesEP038 - X-Border Payments - In conversation with Pratik Gandhi, Co-founder and COO, NIUMContinuing in our series on cross-border payments, Hemant and Elroy caught up with Pratik Gandhi, Co-founder and COO, NIUM. NIUM provides a modern, modular platform for global business payments. With a payment network that spans over 190+ countries, NIUM is Asia’s first B2B payments unicorn. In our conversation with Pratik we discussed:
Market landscape of B2B cross-border payments
Challenges in B2B cross-border payments
NIUM’s Product Proposition
Managing regulatory complexity
NIUM’s journey and challenges
Do listen to this episode to understand how fintech is making cross-border simpler and easier.
Contacting NIUM
...2022-08-2734 min
The India FinTech DiariesEP037 - X-Border Payments - Introduction to Cross-Border PaymentsWith international travel gradually normalising, cross-border payments are back. In this quick introductory episode Hemant and Elroy lay out the overall contours of cross-border payments in India. During the episode they discuss:
The scope and scale of cross-border payments
Regulatory aspects of cross-border payments
Types of Fintechs operating in the space
Do listen to this episode for a quick introduction to the world of cross-border payments
Related Episodes
EP002 - In conversation with Niyo
2022-07-2411 min
The India FinTech DiariesEP036 - InsurTech - In conversation with Ravinder Kumar, Founder & CEO, JusttWhile consumer insurance has seen a renaissance, with a plethora of Fintechs looking to simplify all aspects of the insurance journey, business insurance still remains poorly understood. We caught up with Ravinder Kumar, Founder & CEO, Justt to discuss how Justt is demystifying business liability insurance in India. In our conversation we discussed:
Ravinder’s background
Understanding business liability insurance
The problem solved by Justt
Products & types of business liability insurance
Business model, customer profile & traction
The future for Justt and the Industry
Do listen to this episode for a masterclass on business liability insurance.
Additional Inf...2022-05-1438 min
The India FinTech DiariesEP035 - InsurTech - In conversation with Anuj Jindal, Co-Founder & CEO, SureClaimLet’s face it, Insurance claims are a nightmare !!! But what if claiming Insurance could be as easy as Pie? Well, a number of Fintechs around the globe are solving exactly this problem. We caught up with Anuj Jindal, Co-Founder & CEO, SureClaim to discuss how SureClaim is streamlining the claims process for Health Insurance in India. In our conversation we discussed:
Anuj’s background and the genesis of SureClaim
Health Insurance penetration in India
The problem solved by SureClaim
How SureClaim works
Business model, customer profile & traction
The future for SureClaim and the Industry
Do listen to this...2022-05-0139 min
The India FinTech DiariesEP034 - InsurTech - An introduction to InsurTech in IndiaInsurTech in India has seen an explosion with over 110+ InsurTech startups operating in India in recent years. But what exactly is InsurTech? Well, over the next few episodes we will aim to answer just that question by looking at interesting Fintechs in this space. But to kickstart the series on InsurTech, we thought we would take you on a quick birds eye view of the space. So listen in as we discuss :
Insurance market in India
Insurance aggregators
Internet first insurers
Employee Insurance
Tech Insure
Claim assistance
Salesforce enablement
Ecosystem plays
Do listen to this episode to...2022-04-2415 min
The India FinTech DiariesEP033 - WealthTech - In conversation with Aditya Agarwal, Founder, WealthyBefore the advent of tech enabled investing, we used to rely on investment advisors to help choose and get access to wealth generating investment opportunities. But what if we could get the best of both worlds - tech enabled investing with a human touch? We caught up with Aditya Agarwal, founder of Wealthy to discuss how Wealthy is using technology to power the next generation of wealth advisors. In this episode we discuss:
Challenge of getting quality financial advice in India
Hypothesis behind Wealthy
What Wealthy offers
Traction so far
Customer profile
Business model
Road ahead
Do...2022-03-0629 min
The India FinTech DiariesEP032 - WealthTech - In conversation with Karan Mehra, CEO & founder, TykeShark Tank India brought investing in startups to the mainstream conversation in India. If you ever wondered how a platform can help in startup investing, look no further!! In our next episode in the WealthTech series we speak with Karan Mehra, CEO and founder of Tyke, a firm that is looking to disrupt private investing in India :
Challenges faced by domestic & international investors
How Tyke is solving for the challenges
Customer profile of Tyke’s customers
Traction and growth seen by Tyke
The road ahead for Tyke
Do listen to this episode to understand how Tyke is ai...2022-02-2731 min
The India FinTech DiariesEP031 - WealthTech - In conversation with Vasanth Kamath, CEO & co-founder, smallcaseThematic investing or investing in a basket of stocks helps diversify investments, providing more stable returns while reducing risk. This week in our ongoing exploration of WealthTech in India, we are joined by Vasanth Kamath, CEO & co-founder, smallcase. In the episode we discuss:
Hypothesis behind smallcase
Introduction to smallcase’s proposition
Early days and technical challenges
Key milestones in the growth journey
Customer profile and behaviour
Smallcase’s business model
The road ahead for smallcase
Do listen to this episode to understand how smallcase is making diversified investments in equity easier for Indian investors
Additional Info...2022-02-2036 min
The India FinTech DiariesEP030 - WealthTech - In conversation with Nikhil Aggarwal, Founder & CEO - GripHow can you invest in assets or investment opportunities other than gold, equities and mutual funds ? Is there a simple way to do this? Well, this week we try to answer that question as we look at Fintechs solving the problem of alternative asset investment. To learn more about this, we caught up with Nikhil Aggarwal, Founder & CEO of Grip, a Fintech company bringing unique alternative investment opportunities to Indian investors. In this episode we discuss:
Alternative asset investments in India
Building Grip during the pandemic
How Grip works
Risk management
The role of technology
Legal, Regulatory and T...2022-02-0336 min
The India FinTech DiariesEP029 - WealthTech - In conversation with Subramanya S V, Co-founder & CEO - FisdomContinuing in our series on WealthTech, we remain focused on investment platforms. This week we look at how wealth management is evolving in the fintech space. To discuss this we caught up with Subramanya SV, Co-founder & CEO of Fisdom. Fisdom is leveraging cutting edge technology to provide personalized financial advice. In our conversation we spoke with Subu about:
Scope of the WealthTech market in India
Insight into the evolution of customers in India
How WealthTech platforms work
Overview of Fisdom’s product offerings
The role of technology
Next big thing for Fisdom
Do listen to this episode to...2022-01-2545 min
The India FinTech DiariesEP028 - WealthTech - In conversation with Mukesh Kalra, Founder & CEO ETMoneyAs we kick start 2022, we are sure most of you must be busy submitting investment proofs in the run-up to the end of the Indian financial year. So we thought it would be a great idea to segue into our first theme for 2022 - WealthTech. Over the next few episodes, we will speak with a number of prominent firms in the WealthTech space in India to understand how fintech is changing the way Indians invest and save. In our first episode in the series we caught up with Mukesh Kalra, the founder and CEO of ETMoney, one of the...2022-01-1754 min
The India FinTech DiariesEP027 - Payments - In conversation with Vikas Bansal, Director, Amazon PayE-commerce is booming in India. In spite of the pandemic, e-commerce added 20 million new shoppers in 2020. However, analysts estimate that this number will likely double this year. As more and more shoppers come online, what role does smooth and frictionless payment play in driving e-commerce growth? To discuss this and more we caught up with Vikas Bansal, Director, Amazon Pay India. In our chat with Vikas we discussed:
Challenges in E-commerce Payments in India
Amazon Pay’s initiatives to solve for buyer and seller payments
Push into offline payments
Sound and audio based payments
Amazon’s Fintech investments in India
Road...2021-12-1232 min
The India FinTech DiariesEP026 - Exchanges- In conversation with Ashish Singhal, Founder and CEO, CoinswitchThis week we look at how Digital Asset Exchanges work and try and understand what has been the uptake of crypto in India. And to shed more light on this we caught up with Ashish Singhal, Founder and CEO of Coinswitch Kuber, one of India’s largest Digital Asset Exchanges. We discussed:
His entry into the world of Crypto
Types of Digital Asset Exchanges
Business Models
The story behind Coinswitch Kuber
Uptake of Crypto in India
The road ahead for Crypto in India
Do listen to this episode to understand digital asset exchanges
Notes
We...2021-12-0417 min
The India FinTech DiariesEP025 - DeFi- In conversation with Tarusha Mittal, COO and Co-founder, OropocketContinuing in our exploration of Crypto, we caught up with Tarusha Mittal, COO and Co-founder, Oropocket. Oropocket is bringing DeFi use cases to the Indian mainstream and we thought it would be great to get a view on how they make this happen. In the episode we discuss
What is DeFi
Use cases of DeFi
Revenue models
Adoption in India
Oropocket’s products
Do listen to this episode to get a view of how DeFi is being introduced to the masses in India
Additional Information
Oropocket - https://oropocket.com/
OpenDeFi - https://opendefi.fin...2021-11-2718 min
The India FinTech DiariesEP024 - Crypto - Decentralized FinanceIf Crypto is everywhere, Decentralized Finance or DeFi is positively exploding. So what exactly is DeFi? To answer this question we invited some answers from our listeners and tried to get a better view of the subject by speaking with some experts and practitioners. We caught up with Paul Brody - Global Blockchain Leader at EY, Rohas Nagpal - Chief Blockchain Architect at WRAP and Moresh Kokane - Technical Architect at OpenDAO as we tried to decode this interesting topic
What is DeFi
Building Blocks of DeFi
Use cases of DeFi
DeFi vs CeFi
DeFi & Regulations
Do...2021-11-1327 min
The India FinTech DiariesEP023 - Crypto - In conversation with Rohas NagpalCrypto is everywhere, from cryptocurrencies to decentralized finance to NFTs. So in the next few episodes, we will take a whirlwind tour of the world of Crypto. To start off with some basics, we caught up with Rohas Nagpal, Chief Blockchain Architect at Wrapped Asset Project (WRAP), where we spoke about:
History of Digital Currencies
Introduction to blockchains, tokens and smart contracts
A practical framework for classifying tokens
Implications for banks and fintechs
Regulatory outlook
Do listen to this episode to get a quick introduction to the world of Crypto and tokens
Additional information
...2021-11-0620 min
The India FinTech DiariesEP022 - BNPL - In conversation with Nitin Gupta, Founder & CEO , UniWhat if your card could automagically convert your purchases to pay later at no extra cost? Well we caught up with the inimitable Nitin Gupta from Uni to discuss this and a lot more in our latest episode. In one of our most free flowing and fun episodes, Nitin candidly spoke to us about:
His journey from Lehman to Uni
The hypothesis behind Uni
Uni’s product proposition
How Uni makes money
The road ahead for Uni and BNPL
Do listen to this episode to get a glimpse into one of the exciting new credit startups in In...2021-10-1530 min
The India FinTech DiariesGlobal Fintech Festival Podcast Series - Fintech Investments in IndiaIn our latest episode in the Global Fintech Festival 2021 Podcast Series, we spoke with Shruti Chandra, Senior AVP and Sector Head BFSI, Invest India and Aastha Grover, AVP & Head, Startup India. We had an insight packed discussion on the growth of Fintech in India, investments in Fintech and the road ahead. During the episode we spoke about:
Growth of Fintech India
Enabling drivers for growth of Fintech in India
Fintech ecosystem in India
Why India is an attractive investment destination
Government support for Fintechs
So tune in for a birds eye view on how Fintech has grown...2021-09-1844 min
The India FinTech DiariesGlobal Fintech Festival Podcast Series - Building Global Fintech CorridorsIn our second episode in the Global Fintech Festival 2021 Podcast Series, we spoke with Gaurav Johri, Senior Adviser, Trade & Investment at Australian Trade and Investment Commission (Austrade) and Abhinav Pathak, Investment Advisor at Swiss Business Hub India. We discussed how Indian Fintechs could expand to Australia and Switzerland. During the episode we spoke about:
Fintech ecosystems in Australia & Switzerland
Challenges faced by Indian Fintechs looking to expand
Support offered to Indian Fintechs looking to expand
Challenges faced by Australian & Swiss Fintechs looking to enter India
Success stories
So tune in for an interesting discussion on how Fintech...2021-09-1139 min
The India FinTech DiariesGlobal Fintech Festival Podcast Series - Connected InsuranceIn our inaugural episode in the Global Fintech Festival 2021 Podcast Series, we spoke with Rajat Sharma, Corporate VP- Global Head of Sales and Strategy, eBaoTech. We discussed the very interesting topic of Connected Insurance and what it means for the Insurance industry. During the episode we spoke about:
What is connected Insurance
Connected Insurance use cases
Building ecosystems
Technology implications
eBaoTech’s offerings
Global trends in InsurTech
So tune in for an interesting discussion on Connected Insurance !!!
The Global Fintech Festival 2021 is India’s biggest Fintech festival and is one from the 28th - 30th of S...2021-08-2130 min
The India FinTech DiariesEP021 - TechFin - In conversation with Mandar Agashe, Founder & MD - Sarvatra TechnologiesDid you know that a single firm is responsible for processing 50% of India’s UPI volumes? Sarvatra Technologies is a firm that’s been promoting digital transformation in financial services over the last two decades, and has played a crucial role in India’s UPI revolution. Starting with co-operative banks, Sarvatra today provides technology to a wide variety of bank and Fintech clients. Continuing in our TechFin series, we spoke with Mandar Agashe, Founder and MD to get a glimpse into this little known firm. We discussed:
Sarvatra’s journey
Challenges faced by co-operative banks
Sarvatra’s UPI journey
...2021-08-2026 min
The India FinTech DiariesIntroducing the Global Fintech Fest Podcast SeriesStarting this Saturday, we begin a limited edition series in collaboration with IAMAI. The series will explore various fintech themes in the run up to the Global Fintech Festival 2021, which this year is from 28th September to 30th September2021-08-1801 min
The India FinTech DiariesEP020 - TechFin- In conversation with N Sathish, Dy Chief Product Officer - FSSThis week, we take a brief break from our coverage of BNPL and take a look at firms that are building the technology that’s helping transform financial services. In the first in our series on “TechFin” firms, we speak with N Sathish, the Dy. Chief Product Officer at FSS. FSS has been at the cutting edge of the digital transformation of payments in Indian Banking and over the years has been responsible for many firsts within the financial technology space. In conversation we discuss:
FSS journey in India
Many firsts in Banking Technology powered by FSS
What happen...2021-08-1339 min
The India FinTech DiariesEP019 - BNPL - In conversation with Gaurav Hinduja, Co-founder & MD - Capital FloatWe caught up with Gaurav Hinduja, the MD and co-founder of Capital Float to discuss Capital Float’s growth story and what the future of BNPL holds in India. In our conversation we discuss :
The Capital Float Journey
Experience in building out Amazon Pay Later
Technology and process considerations for building great BNPL products
Growth during the pandemic
Does BNPL have a dark side?
Regulatory considerations
Do listen to this insight packed episode and take an inside peek into one of the largest BNPL firms in India.
Additional information
Capital Float
Capital Float's Buy No...2021-08-0624 min
The India FinTech DiariesEP018 - BNPL - In conversation with Nitya Sharma, CEO and co-founder - SimplWe covered a deep dive into BNPL in our last episode and we thought it's time to speak to some more industry practitioners to further understand the concepts. We caught up with Nitya Sharma, the CEO and co-founder of Simpl in a candid conversation on BNPL. In our conversation we discuss :
Definition of BNPL as a payment convenience
Adoption by customers
Challenges while scaling Simpl
Technology behind Simpl
Business model of Simpl
Way forward for BNPL in India
Do listen in to understand how BNPL can be used as a payment convenience.
Additional Information
...2021-07-2347 min
The India FinTech DiariesEP017 - BNPL - A deep dive into the world of BNPLIn our last episode we got an introductory glimpse into the world of Buy Now Pay Later or BNPL as it is called. In this episode, we thought we would take a much deeper look into the world of BNPL and what goes on behind the scenes. Hemant and Elroy explore the following in this episode:
Definition of BNPL
History and origins of BNPL
Size of the BNPL market
The BNPL business model
How BNPL makes money
Regulatory approaches to launching BNPL
So if you want to understand BNPL in a nutshell - this is the episode...2021-07-1617 min
The India FinTech DiariesEP016 - BNPL - In conversation with Krishnan Vishwanathan, CEO and Founder, KisshtBuy Now Pay Later or BNPL is an interesting new trend, which is often likened to a more modern version of the traditional installment loan. Globally, it is growing at a stupendous pace, and is expected to reach $600 Bn to $1 Tn by 2025. The trend has been in India for some time as well and is now gaining momentum post the pandemic.
In the first in our series on BNPL, we spoke with Krishnan Vishwanathan, CEO and Founder, Kissht. In the episode we cover:
Definition of BNPL
A look at the business model & stakeholders
Uptake of BNPL...2021-07-0839 min
The India FinTech DiariesEP015 - Tide - In conversation with Gurjodhpal Singh, CEO - India, TideThe MSME sector has long been called the backbone of the Indian economy. We have seen the evolution of the sector from one primarily manufacturing simple products to one producing competitive and sophisticated goods like electronic control systems, medical equipment etc. But the sector remains woefully underserved by financial services with an estimated credit gap of $300 Bn.
To discuss this and more we caught up with Gurjodhpal Singh, CEO - India, Tide. In the episode we cover:
Overview of the SME space in India
Trends in digitization and challenges
Tide’s origin story and plans for In...2021-07-0238 min
The India FinTech DiariesEP014 - Mastercard - In conversation with Vikas Saraogi, VP - Merchant Acceptance, South AsiaContinuing in our theme of Fintech for Bharat, this week we look at the role that networks can play in fostering financial inclusion. Payment networks sit at the crossroads and provide the rails that connect merchants accepting payments and banks that issue payment instruments.
Therefore when a payment network like Mastercard makes a pledge to financially include 1 billion people and 50 million micro and small businesses into the digital economy by 2025, it certainly has the potential to be transformative !!!
To discuss this and more we caught up with Vikas Saraogi, VP - Merchant Acceptance, South Asia, Mas...2021-06-1927 min
The India FinTech DiariesEP013 - Eduvanz - In conversation with Varun Chopra, co-founder & CEOContinuing in our theme of Fintech for Bharat, this week we shift our focus to affordable education.
One of the most important enablers of upward mobility in society, is the access to affordable education. A recent survey conducted by the National Statistics Organization revealed that only 10.6% of the Indian population aged above 15 years had successfully completed a graduate degree. This proportion was only 5.7% in rural India. Affordability of quality education is one of the reasons for these low numbers. How does FinTech enable affordable access to good education?
To discuss this and more we caught up...2021-05-2935 min
The India FinTech DiariesEP012 - Reverie - In conversation with Arvind Pani, co-founder & CEOIn our last episode we introduced the problem that diversity in India presents to Fintech and started our new theme of Fintech for Bharat. This week we continue in our series on Fintech for Bharat and shift the focus to addressing the issue of linguistic diversity.
According to the 2011 language census survey, India has 121 languages spoken by over 10,000 people, with 21 of them recognized as official languages. Despite the fact that 90% of India's population does not speak English, the majority of the internet in India is in English. How does FinTech reach the masses in India with such a...2021-04-1132 min
The India FinTech DiariesEP011 - Fintech for BharatAs a country, India has a vast amount of diversity across people, language, culture, education and wealth levels. The diversity becomes even more apparent as we from India to Bharat. Can Fintechs be the great equalizer, as they aim to make financial services more inclusive in India? We explore this in our latest theme - Fintech for Bharat
In our introductory episode we examine:
The problem of diversity
India vs Bharat - What is Bharat?
Key challenges faced by Bharat
In the subsequent episodes in this theme we will speak with various Fintechs that are...2021-03-2613 min
The India FinTech DiariesEP010 - Embedded Banking - In conversation with Murali Nair, President - Banking, ZetaIn our last episode we discussed Embedded Insurance with Chiranth Patil and Suvendu Prusty from Riskcovry. This week, we continue in our series on embedded finance and shift the focus to embedded banking.
Is the future of banking moving towards banking anywhere but never at a banking app? Embedded banking is enabling non-financial companies to bring banking products within their own apps and act as if they were banks. This is opening up all sorts of use cases which will widen the penetration and usage of financial products. We caught up with Murali Nair, President - Banking...2021-03-0330 min
The India FinTech DiariesEP009 - Embedded Insurance - In conversation with Chiranth Patil & Suvendu Prusty, co-founders of RiskcovryWe began our series on embedded finance with a discussion on embedded credit along with Anubhav Jain, co-founder and CEO of Rupifi. This week we take a look at another interesting and emerging area of embedded finance - Insurance !!!
Why does Insurance have to be always sold, and never bought? Embedded insurance is aiming to change the way insurance is distributed by embedding insurance in user journeys contextually. Riskcovry is helping usher this paradigm shift in India and is one of the leading insurtech companies. We caught up with two of the co-founders of Riscovry, Chiranth Patil...2021-02-241h 00
The India FinTech DiariesEP008 - Embedded Credit - In conversation with Anubhav Jain, Co-founder & CEO, RupifiIn our last episode we introduced the concept of Embedded Finance, with a promise to cover this topic, at length, in the coming episodes. In our first in the series, we caught up with Anubhav Jain, Co-founder and CEO of Rupifi and discussed embedded credit.
Rupifi enables embedded credit for small businesses by leveraging technology and working with platforms and marketplaces to bring credit within the buying journey of small businesses. In this episode we chat with Anubhav and cover:
An overview of embedded credit
How embedded credit works
The business model behind embedded credit
What...2021-01-2641 min
The India FinTech DiariesEP007 - The year that was and Embedded FinanceIn our inaugural episode of 2021, we look back at the year that was and relive some of the big stories and trends of 2020. Then we discuss the new kid on the block - Embedded Finance.
Even since Goldman Sachs declared it's entry into the Embedded Finance space, the term has grown in popularity with reams written about it. But what exactly is embedded Finance? Well we help demystify this for you a little as we take a 30,000 foot view of the space and what it means through some examples.2021-01-1812 min
The India FinTech DiariesEP006 - Collections - In conversation with Aditya Singh, co-founder and CCO of CreditMateRBI's financial stability report in July 2020 indicated that NPA's could be as high as 14.7% of total loans by March 2021. Against this backdrop, loan collections becomes all the more important, as lenders aim to collect on overdue loans in the most cost effective manner. New age collections fintechs are aiming to solve this problem by leveraging platforms and data to make collections as simple and efficient as possible.
We caught up with Aditya Singh, who is the co-founder and Chief Commercial Officer (CCO) of CreditMate, which is aiming to solve the collections puzzle for lenders everywhere. In our...2020-12-2029 min
The India FinTech DiariesEP005 - IndiaLends - In conversation with Mayank Kachhwaha, co-founder and COO of IndiaLendsThis week we speak with Mayank Kachhwaha, co-founder and COO of IndiaLends, a Financial technology startup based in New Delhi. Started in 2015, IndiaLends is an online platform that connects borrowers with lenders to help them get the best deal possible.
The platform has grown over the years to offer the full range of unsecured products across personal loans, credit lines and credit cards. Today, IndiaLends is one of India's fastest growing credit underwriting and risk analytics platform, helping lenders reduce their cost of origination through innovative use of data.
In the episode we chat with Ma...2020-12-0541 min
The India FinTech DiariesEP004 - OCEN - In conversation with Ankit Singh, Co-founder CredAllLarge sections of individuals and businesses in India do not have access to formal credit. Today just the MSME sector alone has a credit gap that is pegged at $300 - $ 400 Billion, with thousands of small businesses unable to access affordable credit. However, a transformational change is coming to India that aims to revolutionize how credit is provided to borrowers by lenders. This change is called the Open Credit Enablement Network or OCEN.
In this week's episode we chat with Ankit Singh, the co-founder of CredAll - a collective that is helping evangelize OCEN in India. OCEN aims...2020-11-2637 min
The India FinTech DiariesEP003 - Democratizing Data - Account Aggregators - In conversation with B.G. Mahesh, Co-Founder & CEO - DigiSahamati FoundationEver wish you didn't need to submit so many bank statements every time you applied for a loan? Well account aggregators, the new kids on the fintech block, hope to make that a thing of the past, as they seek to unshackle financial data in India .
We chat with B.G. Mahesh, the co-founder & CEO of DigiSahamati Foundation, a collective of account aggregators that is serving to help set standards and drive adoption for the Industry. Account Aggregators (AA) are a new class of regulated entities that were introduced by the RBI to make consent based sharing o...2020-11-0357 min
The India FinTech DiariesEP002 - Neo Banking Part 02 - In conversation with Vinay Bagri, CEO - NiyoAfter the previous episode that looked at an overview of the Neo Banking sector, this week we discuss Retail Neo Banking in India.
We chat with Vinay Bagri, the co-founder & CEO of Niyo, a Fintech that was founded in 2016 and has grown to offer digital banking offerings across various segments. Niyo’s first offering was Niyo Bharat, which digitized the entire salary process for underserved blue collar workers, and has grown to support over 1.5 million customers today. Niyo’s other highly successful offerings have been the travel focused Niyo Global card and the recently launched digital account with...2020-10-1835 min
The India FinTech DiariesEP001 - Neo Banking Part 01 - Introduction to Neo BankingEver wondered what a Neo Bank is ? Well wonder no more, as we look at demystifying Neo Banking in our first ever episode. The episode, first in a two part series, delves into the various types of neo banks across both retail and SME segments in India, and takes a high level view on how they make money and how regulations are today driving business models in the segment. Tune in for a fascinating overview of this segment of the Fintech world.2020-10-0319 min