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Konten disediakan oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
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<div class="span index">1</div> <span><a class="" data-remote="true" data-type="html" href="/series/threshold-1347809">Threshold</a></span>
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Threshold is a Peabody Award-winning documentary podcast about our place in the natural world. Each season, we take listeners on a journey into the heart of a complex environmental story, asking how we got here and where we might be headed. In our latest season, Hark, we hand the mic over to our planet-mates and investigate what it means to truly listen to nonhuman voices—and the cost if we don't. With mounting social and ecological crises, what happens when we tune into the life all around us? Threshold is nonprofit, listener-supported, and independently produced.
The India FinTech Diaries
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Konten disediakan oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!
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90 episode
Tandai semua (belum/sudah) diputar ...
Manage series 2949270
Konten disediakan oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. Semua konten podcast termasuk episode, grafik, dan deskripsi podcast diunggah dan disediakan langsung oleh Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao atau mitra platform podcast mereka. Jika Anda yakin seseorang menggunakan karya berhak cipta Anda tanpa izin, Anda dapat mengikuti proses yang diuraikan di sini https://id.player.fm/legal.
India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!
…
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90 episode
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1 EP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit Bharat 31:18
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In 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 digitization solutions. The episode delves into the recent budget announcements aimed at boosting MSMEs, fintech innovations reshaping access to finance, and the challenges faced by small businesses in adopting new technology. This episode offers a comprehensive look at the future of MSMEs and how they are central to the Viksit Bharat vision. Key Highlights: 💡 The role of MSMEs in India's Viksit Bharat vision 📊 Recent budget initiatives for MSMEs 💻 How fintech is transforming access to finance for small businesses ⚡ The challenges of rapid growth and digitization 🔮 The future outlook for MSMEs in India Tune in for a detailed conversation on the future of MSMEs and their impact on India's economic landscape! Contact DLAI Website : https://www.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ Twitter : https://twitter.com/dlai_india…
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1 EP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer Finance 40:39
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Carrying 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 Finance Tune in to this episode to hear more about the future of consumer finance and the role fintech will play! Contact DLAI Website : https://www.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ X : https://twitter.com/dlai_india…
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1 EP075 - Transit Payments - In conversation with Manoj Sugathan 41:56
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In 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 transport. 🌍 Global Adoption : Open-loop transit payments have been successfully implemented in cities like Singapore, London, and New York, with more than 900 programs worldwide. 🚇 India’s Opportunity : As India rapidly expands its metro networks, the country is uniquely positioned to implement open-loop systems from day one, offering seamless travel across cities with just one contactless card. Tune in to the full episode to learn more about the future of transit payments and how it can transform the commuting experience! Contact Manoj LinkedIn : https://www.linkedin.com/in/manojsugathan/ X : https://x.com/masug…
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1 EP074 - 2024 Retrospective - In conversation with Neha Singh, Co-Founder, Tracxn 30:50
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In 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 2025? Listen to the full episode to gain more insights into what 2025 holds for fintech! Contact Tracxn LinkedIn : https://www.linkedin.com/company/tracxn/ X : https://x.com/Tracxn Website : https://tracxn.com/ Instagram : https://www.instagram.com/tracxntechnologies/…
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1 EP073 - SamvAAd 2024 - Powering the next billion Open Finance users 31:03
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In 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 is transforming financial services and how AA can play key role in powering the next billion Open Finance users Contact Kiran LinkedIn : https://www.linkedin.com/in/kirangopinath1/ X : https://x.com/KiranGopinath Website : https://www.openfinanceconnect.com/…
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1 EP072 - SamvAAd 2024 - AA in 2024 - Progress and Potential 49:06
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In 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 the full episode to learn more about its impact and future potential Contact Sahamati LinkedIn : https://www.linkedin.com/company/sahamati/ X : https://x.com/sahamati Website : https://sahamati.org.in/ Sahamati Annual Report : https://sahamati.org.in/wp-content/uploads/2024/11/Sahamati-Annual-Report-2024.pdf…
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1 EP071 - Loyalty - In conversation with Rishi Batra, Co-founder & COO, Twid 28:33
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In 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 loyalty in India. Contact Twid LinkedIn : https://www.linkedin.com/company/twidpay/ X : https://x.com/twidpay Website : https://twidpay.com/…
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1 EP070 - Co-Brands - In conversation with Ramanathan RV, Co-Founder Hyperface 49:45
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In 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 in Co-Brands 🔮 Future of Credit and Co-Brands in India Listen in for some interesting insights on Co-Brands in India. Contact Ram LinkedIn : https://www.linkedin.com/in/ramanathanrv/ Email: ram [at] hyperface [dot] co Contact Hyperface LinkedIn : https://www.linkedin.com/company/hyperface/ X : https://x.com/HyperfaceHQ Website : https://www.hyperface.co/ Rise of Co-branded cards report : https://www.hyperface.co/blog/the-rise-of-co-branded-credit-cards-redefining-customer-loyalty/…
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1 EP069 - LatAm X India - In conversation with Atlantico 47:49
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In 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 America 🧭Cultural and Social Parallels Between India and Brazil This episode provides a unique look at the Indian and Latin American FinTech ecosystems, highlighting the lessons they can learn from each other. Tune in to hear more about the future trends in FinTech and how these regions are poised to lead the next wave of global innovation. Contact Ana LinkedIn: https://www.linkedin.com/in/anaclaramartinsg/ X: https://x.com/martinsg_ana Contact Julio LinkedIn: https://www.linkedin.com/in/juliovasconcellos/ X: https://x.com/JulioV Contact Atlantico LinkedIn: https://www.linkedin.com/company/atlanticopartners/ X: https://x.com/AtlanticoPart Website: https://www.atlantico.vc/ Latin America Digital Transformation Report 2024: https://www.atlantico.vc/latin-america-digital-transformation-report-2024…
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1 EP068 - PA-CB - In conversation with Reeju Datta, Co-founder, Cashfree 24:11
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As 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 fascinate both FinTech enthusiasts and business leaders. In this episode we discuss: 💸 Cashfree’s origin story 💰Cross-Border E-Commerce Payments ⚙️ Payment Aggregator Cross-Border (PACB) Licence 🌍 Innovations in Cross-Border Payments Listen now to discover how cross-border payments are evolving, and how Cashfree is leading the charge in making global transactions smoother and more efficient for Indian businesses. Contact Reeju LinkedIn: https://www.linkedin.com/in/reejudatta/ Contact Cashfree LinkedIn: https://www.linkedin.com/company/cashfree/ X: https://twitter.com/gocashfree Website: https://www.cashfree.com/…
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1 EP067 - Credit Line on UPI - In conversation with Sivaram Kowta, President - Banking, Zeta India 40:26
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UPI 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. 💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI. ⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI 🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions Make sure to listen to the full episode for a deeper dive into these topics! Contact Sivaram Kowta LinkedIn: https://www.linkedin.com/in/sivaramkowta/ Download Chak De India - Democratizing Credit With Credit Line On UPI: https://www.zeta.tech/in/white-paper-on-credit-line-on-upi-opportunity-for-banks Contact Deepak Kumar LinkedIn: https://www.linkedin.com/in/linkdk/ Contact Zeta LinkedIn: https://www.linkedin.com/company/zetasuite/ X: https://x.com/zetasuite Website: https://www.zeta.tech/in/ Email: sales [at] zeta [dot] tech…
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1 EP066 - Credit Line on UPI - In conversation with Gaurav Mittal, CEO & Co-Founder, Vegapay 19:01
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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 UPI Contact Gaurav LinkedIn: https://www.linkedin.com/in/gaurav-mittal-8084349/ Contact Vegapay LinkedIn: https://www.linkedin.com/company/vegapay/ Website: https://vegapay.tech/…
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1 EP065 - National Fintech Day Special - Fintechs & MSMEs 44:47
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In 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 India. In this episode we discuss: 🏭 MSMEs and their Impact on the Economy ⚙️ Challenges in MSME Banking and solutions 💰 The Role of Fintechs in MSME Financing 📬 Types of MSME Lending Products 🗺️ The Future of MSME Financing Listen to this episode for insights on how fintech is making an impact in finance Contact Kumar Shekhar LinkedIn: https://www.linkedin.com/in/kumar-shekhar-8b064845/ Email: kumar [dot] shekhar [at] tide [dot] co Contact Sundeep Monhindru LinkedIn: https://www.linkedin.com/in/sundeep-mohindru-838a29/ Email: sundeep [dot] mohindru [at] m1xchange [dot] com…
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1 EP064 - GenAI - In conversation with Ankit Ratan, Co-Founder, Signzy 45:37
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In 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] signzy [dot] com Contact Signzy LinkedIn : https://in.linkedin.com/company/teamsignzy Twitter : https://twitter.com/TeamSignzy Website : https://www.signzy.com/…
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1 EP063 - GenAI - In conversation with Anant Gupta, FSI Head, Google Cloud India 30:59
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In 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 financial services in India Contact Anant LinkedIn : https://www.linkedin.com/in/agupta78/ Email: ganant [at] google [dot] com…
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1 EP062 - GenAI - In conversation with Raoul Nanavati, Co-founder & CEO, Navana 26:50
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Generative 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: 🗺️ Raoul’s journey to starting Navana 🫰 Understanding LLMs 💡 Cracking the difficult problem of voice LLMs for Indic languages 🧰 Product overview, traction and technology 💰 Business model of Navana 🧭 2024 for Navana Listen to this episode for perspectives on how GenAI is changing financial services in India Contact Navana Website : https://navana.ai/ LinkedIn : https://www.linkedin.com/company/navanatech/ Email: raoul [at] navanatech [dot] in Navana LLM model benchmark : https://bit.ly/49hL47d…
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1 EP061 - Wealthtech - In conversation with Ridhi Doongursee, Co-founder LXME 26:20
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Did 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 💰 Business model of LXME 🧭 2024 for LXME Listen to this episode for perspectives on WealthTech in 2024 Contact LXME Website : https://lxme.in/ LinkedIn : https://www.linkedin.com/company/lxme/ X : https://twitter.com/lxmeofficial Instagram : https://www.instagram.com/lxmeofficial Download LXME - App Store : https://apple.co/433U7XO Download LXME - Play Store : https://bit.ly/3T8I0UP…
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1 DLAI Fintech Conclave 2024 - Empowering Women: Closing the Credit Gap 32:29
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This 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 stakeholders Join us for this this episode on the eve of the DLAI Fintech Conclave 2024 Contact DLAI Website : https://www.dlai.in/ DLAI Fintech Conclave 2024 : https://conclave.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ X : https://twitter.com/dlai_india…
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1 DLAI Fintech Conclave 2024 - Digital Lending Guidelines: One Year Later 24:08
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In 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: https://www.linkedin.com/company/dlai/ X: https://twitter.com/dlai_india…
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1 DLAI Fintech Conclave 2024 - Artificial Intelligence in Fintech 40:30
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In 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 DLAI Website : https://www.dlai.in/ DLAI Fintech Conclave 2024 : https://conclave.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ X : https://twitter.com/dlai_india…
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1 DLAI Fintech Conclave 2024 - SRO and it’s implications for Fintech 22:01
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We 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://www.linkedin.com/company/dlai/ X : https://twitter.com/dlai_india…
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1 EP060 - Wealthtech - In conversation with Satyen Kothari, Founder & CEO Cube Wealth 44:39
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In 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 Fintech in India 🫰 The generational shift in investing behaviour in India 💡 The problem statement that Cube Wealth addresses 🧰 Product overview, traction and technology 💰 Business model of Cube Wealth 🧭 How Cube Wealth approaches roadmaps Listen to this episode for perspectives on WealthTech in 2024 Contact Cube Wealth Website : https://www.bankoncube.com/ LinkedIn : https://www.linkedin.com/company/cube-consumer-services-pvt-ltd/ X : https://twitter.com/BankOnCube Play Store : https://bankoncube.app.link/SU6Pk4HLfdb App Store : https://bankoncube.app.link/7snGi5ULfdb…
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1 EP059 - What’s in store for Indian Fintech in 2024? 21:05
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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!!!…
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1 EP058 - 2023 Retrospective with Navin Surya 51:57
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2023 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/…
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1 EP057 - WealthTech - In conversation with Saurabh Jain, Co-Founder, Stable Money 30:56
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Last 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/in/saurabhjain1099/ X : https://twitter.com/saurabhjain1099 Contact Stable Money Website : https://stablemoney.in/ LinkedIn : https://www.linkedin.com/company/stable-money/ X : https://twitter.com/StableMoney_ Instagram : https://www.instagram.com/stable_money_official/ Try Stable Money Play Store : https://play.google.com/store/apps/details?id=in.stablemoney.app App Store : https://apps.apple.com/in/app/stable-money-earn-9-10-on-fd/id1663244497…
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1 EP056 - Fintech regulations - Self Regulatory Organizations 45:09
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Last 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 framework ⚙️ Can SROs really work? 🚩 Challenges to adoption Contact Shivashish Chatterjee Website: https://www.dmifinance.in/ LinkedIn: https://www.linkedin.com/in/shivashish-chatterjee-51a6a57/ X: https://twitter.com/DMIFinance Contact Jatinder Handoo Website: https://www.dlai.in/ LinkedIn: https://www.linkedin.com/in/jatinderhandoo/ X: https://twitter.com/dlai_india…
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1 EP055 - In Conversation with Anand Kumar Bajaj, Founder, MD & CEO - PayNearby 42:45
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According 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’s success thus far Contact PayNearby Website: https://paynearby.in/ LinkedIn: https://www.linkedin.com/company/paynearby/ Facebook: https://www.facebook.com/PayNearby/ X: https://twitter.com/PayNearby YouTube: https://www.youtube.com/c/PayNearby Email: enterpriseteam [at] paynearby [dot] in…
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1 EP054 - Payments - In Conversation with Ketan Patel, Co-founder & CEO, Mswipe 18:02
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As 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://twitter.com/Mswipe Email:ketan [dot] patel [at] mswipe [dot] com…
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1 EP053 - Payments - In Conversation with P.T. Suresh, Founder - PayCraft 40:01
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Today 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 payments Contact PayCraft Website: https://paycraftsol.com/ LinkedIn: https://www.linkedin.com/company/paycraftsolutions/ X: https://twitter.com/paycraftsol…
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1 EP052 - Lending - In Conversation with Neha Juneja, Co-founder & CEO, IndiaP2P 25:27
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P2P 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 Contact IndiaP2P Website: https://www.indiap2p.com/ LinkedIn: https://www.linkedin.com/company/indiap2p/ Twitter: https://twitter.com/indiap2ptweets…
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1 EP041 - Fintech Investments - In conversation with Melissa Frakman, CEO & Founding Partner, Emphasis Ventures 31:57
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Continuing 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 Melissa LinkedIn Twitter Contact EMVC Website LinkedIn Twitter Email: hello [at] em [dot] vc…
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1 EP040 - Fintech Regulations - In conversation with Mathew Chacko, Partner - Spice Route Legal 39:29
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A 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 Twitter Website…
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1 EP039 - Fintech Investments - In conversation with Sandeep Patil, Partner, QED Investors 33:40
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What’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: sandeep [at] qedinvestors [dot] com…
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1 EP038 - X-Border Payments - In conversation with Pratik Gandhi, Co-founder and COO, NIUM 34:02
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Continuing 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 Website Careers…
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1 EP037 - X-Border Payments - Introduction to Cross-Border Payments 11:24
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With 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…
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1 EP036 - InsurTech - In conversation with Ravinder Kumar, Founder & CEO, Justt 38:56
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While 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 Information Contacting Ravinder LinkedIn Email: ravinder [at] justt [dot] in Contacting Justt Website Email: info [at] justt [dot] in…
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1 EP035 - InsurTech - In conversation with Anuj Jindal, Co-Founder & CEO, SureClaim 39:14
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Let’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 episode to see how innovative InsurTech firms are making insurance claims easier in India Additional Information Contacting Anuj LinkedIn Twitter Email: anuj [at] sureclaim [dot] in Contacting SureClaim LinkedIn Twitter…
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1 EP034 - InsurTech - An introduction to InsurTech in India 15:02
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InsurTech 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 get a quick overview of InsurTech in India…
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1 EP033 - WealthTech - In conversation with Aditya Agarwal, Founder, Wealthy 29:07
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Before 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 listen to this episode to understand how tech enabled investing can enhance wealth advisory Additional Information Wealthy on the web Wealthy on Twitter Email Aditya at aditya [at] wealthy [dot] in…
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1 EP032 - WealthTech - In conversation with Karan Mehra, CEO & founder, Tyke 31:01
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Shark 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 aiming to be the Stripe for private investing in India Terms & Acronyms SAFE - A simple agreement for future equity (SAFE) is an agreement between an investor and a company that provides rights to the investor for future equity in the company similar to a warrant, except without determining a specific price per share at the time of the initial investment. The SAFE investor receives the future shares when a priced round of investment or liquidity event occurs. SAFEs are intended to provide a simpler mechanism for startups to seek initial funding than convertible notes. CCDS - Compulsory Convertible Debentures CCPS - Compulsory Convertible Preference Shares Additional Information Website Tyke on Twitter Tyke's academy…
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1 EP031 - WealthTech - In conversation with Vasanth Kamath, CEO & co-founder, smallcase 36:35
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Thematic 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 Information Website Smallcase on Twitter…
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1 EP030 - WealthTech - In conversation with Nikhil Aggarwal, Founder & CEO - Grip 36:39
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How 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 Tax implications The road ahead for Grip Do listen to this episode to understand how alternative investments are being made easy by Fintechs Additional Information Website Grip on Twitter…
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1 EP029 - WealthTech - In conversation with Subramanya S V, Co-founder & CEO - Fisdom 45:36
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Continuing 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 understand how technology can deliver personalized financial advice at scale Additional Information Fisdom on Play Store Fisdom on Twitter Fisdom on LinkedIn Contact Fisdom: ask [at] fisdom [dot] com Subu on Twitter…
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1 EP028 - WealthTech - In conversation with Mukesh Kalra, Founder & CEO ETMoney 54:55
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As 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 OG firms that spearheaded app-based mutual fund investments in India. In our insight packed conversation we spoke with Mukesh about: Barriers to Mutual Fund Investments in India Changes in customer behavior during the pandemic ETMoney’s product philosophy Customer profile of ETMoney’s customers The role of technology and analytics Building the next 99% of WealthTech in India Do listen to this episode to understand how ETMoney is changing the way people approach investments in India…
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1 EP027 - Payments - In conversation with Vikas Bansal, Director, Amazon Pay 32:02
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E-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 ahead for Amazon Pay in India Do listen to this episode to understand how payments is helping drive e-commerce growth in India…
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1 EP051 - Lending - In Conversation with Mohit Bedi, Co-founder, Kiwi 39:40
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Credit 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://gokiwi.in/ LinkedIn: https://www.linkedin.com/company/gokiwinow/ Twitter: https://twitter.com/GoKiwiNow…
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1 EP050 - In Conversation with Deepak Naragund, Co-founder & CFO, UpCap 23:01
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Join 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/finsightventures/ Instagram: https://www.instagram.com/finsightventures/…
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1 EP049 - Lending - In Conversation with Lakshmi Ravindran, COO, Invoicemart 34:24
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Join 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/ LinkedIn: https://www.linkedin.com/company/invoicemart-a-treds-ltd/ Twitter: https://twitter.com/InvoiceMart…
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1 EP048 - Lending - In Conversation with Sumit Chhazed, Co-founder and CEO, OTO Capital 54:34
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We 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 India 💬 What OTO does differently 💰 Business model behind OTO 🛣️ The road ahead Contact OTO Capital Website: https://www.otocapital.in/ LinkedIn: https://www.linkedin.com/company/oto-india/ Instagram: https://www.instagram.com/otoindia/…
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1 EP047 - SamvAAd - In Conversation with B.G. Mahesh, Co-founder & CEO, Sahamati 32:00
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In 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://twitter.com/sahamati Email: mahesh [at] sahamati.org.in Register at SamvAAd: https://samvaad.sahamati.org.in/…
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1 EP046 - ONDC - In Conversation with eSamudaay 43:13
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Welcome 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 ahead Contact eSamudaay Website: https://www.esamudaay.com/ LinkedIn: https://www.linkedin.com/company/esamudaay/ Twitter: https://twitter.com/e_samudaay Email: mahori [at] esamudaay.com…
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1 EP045 - ONDC - With Sanjeev Kumar, Co-Founder, ED & CEO at Spice Money 28:28
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Welcome 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 finance opportunity in ONDC Contact Spice Money Website: https://www.spicemoney.com/ LinkedIn: https://www.linkedin.com/company/spicemoneybharat/ Twitter: https://twitter.com/spicemoneyindia Email: adhnan.rasheed@spicemoney.com…
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1 EP044 - ONDC - With Susmit Patodia, Director, Antler India 27:02
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In 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 range of topics that will be of interest to anyone interested in the future of digital commerce in India. What problem is ONDC trying to solve What ONDC is How does it work What does the ONDC landscape look like What the opportunity for Fintech is Why you should be gung-ho about ONDC Don't miss this informative and thought-provoking conversation on what could be a $80bn+ Opportunity! Additional reading Unpacking the $80+ billion ONDC opportunity: India’s next startup catalyst Contact Susmit LinkedIn Twitter Email: susmit.patodia@antler.co Contact Antler Website LinkedIn Twitter…
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1 DLAI Fintech Conclave 2023 Podcast - A Recap 17:15
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In 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…
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1 DLAI Fintech Conclave 2023 Podcast - Data Protection and Fintechs 28:05
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Data 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 RBI Overview and salient features of the draft Digital Data Protection Bill What Fintechs can do be ahead of the curve on compliance And more … Join us for this very timely conversation on data protection and privacy as we wrap up the DLAI Fintech Conclave 2023 Contact Prashanth Email: prashanth [dot] ramdas [at] khaitanco [dot] com LinkedIn Website Contact Supratim Email: supratim [dot] chakraborty [at] khaitanco [dot] com LinkedIn Website Contact DLAI Website LinkedIn Twitter…
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1 DLAI Fintech Conclave 2023 Podcast - Demystifying Integrated Finance 29:06
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In 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 LinkedIn Twitter…
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1 DLAI Fintech Conclave 2023 Podcast - Serving the Next 100 Million 36:39
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In 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 Fintech Conclave 2023 tomorrow Contact Sucharita Email: sucharita [at] kaleidofin [dot] com Website Contact Manish Lunia Email: manish [at] flexiloans [dot] com Website Contact DLAI Website LinkedIn Twitter…
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1 DLAI Fintech Conclave 2023 Podcast - What's in store for Digital Lending in 2023? 25:10
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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…
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1 EP043 - 2022 Retrospective - With Osborne Saldanha, Principal, EMVC 1:00:52
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This 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 [at] em [dot] vc Contact EMVC Website LinkedIn Twitter Email: hello [at] em [dot] vc…
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1 EP042 - TechFin - In conversation with Anup Nayar, CEO-Domestic, In-Solutions Global 25:50
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Over 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 this episode to get an insider's view on the UPI journey. Contact Anup LinkedIn Contact In-Solutions Global Website LinkedIn Twitter Facebook Instagram…
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1 EP026 - Exchanges- In conversation with Ashish Singhal, Founder and CEO, Coinswitch 17:49
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This 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 recorded this episode a few weeks back, just as the craze around the SQUID token was taking off. Shortly after recording, the token crashed to almost zero, further underscoring the speculative nature of some digital assets. Also, after we recorded this episode, the Government of India indicated that it would table a bill in the Indian parliament, reportedly banning crypto assets. We caught up with Ashish and here is what he had to say on the topic - “India has an opportunity to be at the forefront of crypto innovation by adopting a regulation that enables innovation while protecting customers. Our discussions over the last few weeks indicate there is broad agreement on ensuring customers are protected, financial system stability is reinforced, and India is able to take advantage of the crypto technology revolution. For now, Crypto investors in India should wait for a government statement on this matter and not rely on secondary sources of information” - Ashish Singhal, Founder and CEO, Coinswitch; and Co-chair of IAMAI's Blockchain and Crypto Assets Council (BACC) Additional Information Coinswitch Website…
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1 EP025 - DeFi- In conversation with Tarusha Mittal, COO and Co-founder, Oropocket 18:25
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Continuing 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.finance/ UniFarm - https://unifarm.co/ Oropocket on Twitter - https://twitter.com/oropocket…
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1 EP024 - Crypto - Decentralized Finance 27:27
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If 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 listen to this episode to get a quick introduction to the world of Decentralized Finance Recommended Reading Decentralized Finance: What It Is, Why It Matters Decentralized finance (DeFi) - An Overview Decentralized Finance: On Blockchain- and Smart Contract-Based Financial Markets Composability is Innovation…
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1 EP023 - Crypto - In conversation with Rohas Nagpal 20:17
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Crypto 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 Satoshi Nakamoto (2008), Bitcoin: A Peer-to-Peer Electronic Cash System Wired (2009), Bullion and Bandits: The Improbable Rise and Fall of E-Gold Rohas's website Rohas on Twitter Future Money Playbook Cut the Cryp Podcast…
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1 EP022 - BNPL - In conversation with Nitin Gupta, Founder & CEO , Uni 30:44
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What 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 India and gain some insights from one of the veterans of Indian Fintech Additional information Uni Website Email Nitin - nitin [at] uni [dot] club…
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1 Global Fintech Festival Podcast Series - Fintech Investments in India 44:12
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In 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 in India and how the Government has ably supported this growth!!! The Global Fintech Festival 2021 is India’s biggest Fintech festival and is one from the 28th - 30th of September. Register today - https://lnkd.in/dwMtu6Q Additional information Shruti Chandra - LinkedIn Aastha Grover - LinkedIn Invest India Startup India Write to Invest India: bfsi [at] investindia [dot] org [dot] in Write to Startup India: dipp-startups [at] nic [dot] in Startup India Helpline - 1800-115565…
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1 Global Fintech Festival Podcast Series - Building Global Fintech Corridors 39:24
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In 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 corridors between Australia, Switzerland and India can take shape!!! The Global Fintech Festival 2021 is India’s biggest Fintech festival and is one from the 28th - 30th of September. Register today Additional Information Gaurav Johri - LinkedIn Australian Trade and Investment Commission (Austrade) Abhinav Pathak - LinkedIn Swiss Business Hub - India…
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1 Global Fintech Festival Podcast Series - Connected Insurance 30:19
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In 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 September. Register today !! Additional information Rajat Sharma - LinkedIn eBaoTech Website…
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1 EP021 - TechFin - In conversation with Mandar Agashe, Founder & MD - Sarvatra Technologies 26:13
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Did 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 Trends in payments in India Sarvatra’s product offerings Revenue model for Sarvatra Do listen to this episode to get an inside glimpse into a firm that’s silently powering the digital revolution in both Bharat and India. Oh, and do stay till the end of the episode for a special treat at the end of the episode, we promise you that it will be worth it !!! Additional information Sarvatra's website…
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1 Introducing the Global Fintech Fest Podcast Series 1:20
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Starting 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 September
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1 EP020 - TechFin- In conversation with N Sathish, Dy Chief Product Officer - FSS 39:43
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This 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 happens behind the scenes? Revenue models Trends shaping financial technology Can technology disrupt technology? Do listen to this interesting conversation on a little understood aspect of the technology behind Fintech. Additional Information FSS website…
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1 EP019 - BNPL - In conversation with Gaurav Hinduja, Co-founder & MD - Capital Float 24:37
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We 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 Now Pay Later…
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1 EP018 - BNPL - In conversation with Nitya Sharma, CEO and co-founder - Simpl 47:19
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We 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 Simpl on the web…
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1 EP017 - BNPL - A deep dive into the world of BNPL 17:43
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In 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 for you. Additional Information Unit Economics and Prince Jain (08 Nov 2020), The Lure of Buy Now, Pay Later The Generalist (22 Nov 2020), The Checkout as a Territory The Generalist (09 Dec 2020), Affirm: The Morality of Money The Ken and Bhumika Khatri (11 Dec 2020), Simpl, LazyPay, and the future of Buy Now Pay Later in India Errata When we recorded the episode we mentioned Klarna has a valuation of 10+ Billion dollars; since then it has raised another round and is well over 40+ Billion dollars. BNPL moves that fast !!!…
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1 EP016 - BNPL - In conversation with Krishnan Vishwanathan, CEO and Founder, Kissht 39:56
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Buy 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 in India Products that Kissht offers So tune in to learn more about how BNPL will likely be an important segment in the years to come Additional Information Visit Kissht on the web…
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1 EP015 - Tide - In conversation with Gurjodhpal Singh, CEO - India, Tide 38:04
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The 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 India Impact of regulations on SME banking in India The road ahead for SME banking So tune in to learn about this fascinating segment. Note: Tide announced its investment in India after this episode was recorded Additional Notes Tide UK Register to be on the waitlist for Tide's India product RBL Bank and Tide, collaborate to serve Indian SMEs UK-based Tide enters India with Rs 1,000Cr investment targeting SMEs…
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1 EP014 - Mastercard - In conversation with Vikas Saraogi, VP - Merchant Acceptance, South Asia 27:56
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Continuing 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, Mastercard. In the episode we cover: Key indicators of adoption of financial services in Bharat Challenges that are faced in expanding payment acceptance in Bharat Trends in digital payments & improvements in payment security Supporting the digitization of agriculture Mastercard’s financial inclusion initiatives So tune in to learn everything you wanted to know about how Mastercard is helping in foster financial inclusion agenda in India Additional Information Connected Commerce: Creating A Roadmap For A Digitally Inclusive Bharat Mastercard Lab for Financial Inclusion…
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1 EP013 - Eduvanz - In conversation with Varun Chopra, co-founder & CEO 35:12
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Continuing 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 with Varun Chopra, co-founder and CEO of Eduvanz Financing Private Limited. In the episode we cover: Key trends in access to secondary and tertiary education in India Challenges that are faced in bringing affordability to education in Tier II and Tier III cities How addressing these challenges can help make FinTech more inclusive An overview of Eduvanz’s offerings Outlook for affordability of education So tune in to learn everything you wanted to know about how Fintech is enabling access to affordable education. More Information Eduvanz Website…
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1 EP012 - Reverie - In conversation with Arvind Pani, co-founder & CEO 32:04
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In 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 diverse set of languages in this situation? To discuss this and more we caught with Arvind Pani, co-founder and CEO of Reverie Language Technologies. In the episode we cover: Scope of the language diversity in India Challenges that are faced by FinTechs dealing with this diversity How addressing these challenges can help make FinTech more inclusive An overview of Reverie’s offerings Reverie’s experience in solving these challenges So tune in to learn everything you wanted to know about how to solve for the language barrier. Additional information Reverie’s website Getting in touch with Arvind - arvind [dot] pani [at] reverieinc [dot] com…
As 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 aiming to make financial services more accessible across the length and breadth of the country. Our “once in a decade” contest We turned 10 episodes old with our last episode and to celebrate this we have a special giveaway planned !!! Up for grabs are three copies of Brett King’s latest book - Bank 4.0 . To win a copy do the following: Listen to any one of our previous episodes Leave a comment on Youtube or Instagram or tweet to us about what you learned Remember to include the hashtag #ILearntThisonIFD in your comment The best three comments (one each for YouTube, Instagram and Twitter) get a copy of each of the book. Just remember to also follow us on Instagram and Twitter and subscribe to us on YouTube, as we will announce the winners on social media only. Contest runs till the 11th of April. Find us on: YouTube Instagram Twitter…
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1 EP010 - Embedded Banking - In conversation with Murali Nair, President - Banking, Zeta 30:31
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In 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, Zeta to better understand this phenomenon. In the episode we cover: An overview of embedded banking Embedded banking vs Open banking Emergence of embedded banking models in India Zeta’s role in ushering in embedding bank So tune in to learn everything you wanted to know about embedded banking Timeline 00:00 Start 01:00 Introduction 01:25 About Murali 03:57 What is embedded banking ? 08:00 Challenges that banks face 10:44 Open Banking vs Embedded Banking 12:30 Use cases for embedded banking in India 17:19 Regulatory aspects of embedded banking in India 19:39 Introduction to Zeta & key features of the platform 23:30 Why would non-financial companies want embedded banking 25:20 Zeta's success in the market 27:07 Commercial model typical of embedded banking 29:22 How to contact Zeta Additional Information Zeta’s website Contact Murali Nair - mural [at] zeta [dot] tech Contact Gaurav Mittal - gauravm [at] zeta [dot] tech…
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1 EP009 - Embedded Insurance - In conversation with Chiranth Patil & Suvendu Prusty, co-founders of Riskcovry 1:00:08
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We 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 and Suvendu Prusty, in our latest episode. We discuss: Riskcovry's background and business model Deep dive into how embedded insurance works Regulatory aspects of embedded insurance and challenges Typical commercial structure of embedded insurance So tune in to learn everything you wanted to know about embedded insurance. Timeline 00:00 Start 00:42 Episode introduction 01:50 Riskcovry background 09:17 Overview of Riskcovry's model 19:10 Deep dive into Embedded Insurance 40:16 How claims work in Embedded Insurance 45:06 Regulatory aspects of Embedded Insurance 48:15 New products from Riskcovry 52:24 Riskcovry's commercial model 59:02 How to get in touch with Riskcovry Other Information Riskcovry Website Riskcovry LinkedIn Riskcovry Twitter…
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1 EP008 - Embedded Credit - In conversation with Anubhav Jain, Co-founder & CEO, Rupifi 41:04
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In 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 the future holds for embedded credit So tune in to learn everything you wanted to know about embedded credit. Notes #7 – The year that was and Embedded Finance #4 – In conversation with Ankit Singh, Co-founder of CredAll Rupifi Embedded Lending Part-1 — How it will lead to the Next Disruption in Fintech…
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1 EP007 - The year that was and Embedded Finance 12:03
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In 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.…
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1 EP006 - Collections - In conversation with Aditya Singh, co-founder and CCO of CreditMate 29:23
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RBI'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 conversation we discuss: the hypothesis and genesis of CreditMate an overview of what the platform offers an overview of how data and machine learning is used to drive efficiency commercial model for new age collections what 2021 holds for the collections industry Do listen for a fascinating glimpse for this often neglected but extremely important area of lending.…
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1 EP005 - IndiaLends - In conversation with Mayank Kachhwaha, co-founder and COO of IndiaLends 41:30
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This 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 Mayank on: the thesis behind IndiaLends challenges faced by IndiaLends while scaling the value proposition of the business model current market trends views on the way forward with Account Aggregators and OCEN More information on IndiaLends: https://indialends.com/…
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1 EP004 - OCEN - In conversation with Ankit Singh, Co-founder CredAll 37:46
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Large 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 to provide a common protocol for various entities in the lending ecosystem, to speak the same language and create innovative, financial credit products for the market, at scale. Join us as we demystify this latest development in the fintech world. Find more information on OCEN at: CredAll…
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1 EP003 - Democratizing Data - Account Aggregators - In conversation with B.G. Mahesh, Co-Founder & CEO - DigiSahamati Foundation 57:39
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Ever 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 of financial data simple and easy, for both bank customers and financial services firms. In the episode we chat with Mahesh on the problems that AAs look to solve, the use cases they will power, how to go about becoming an AA, the business model and finally the roadmap for the future. We demystify this little understood new fintech category, as we present a double length early Diwali special episode !!! To know more about DigiSahmati please visit : https://sahamati.org.in/ For information on OCEN please visit: https://www.credall.org/…
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1 EP002 - Neo Banking Part 02 - In conversation with Vinay Bagri, CEO - Niyo 35:52
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After 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 IDFC First Bank. In this episode we chat about Vinay’s background, the philosophy behind Niyo, Niyo’s products, the business impact of the pandemic and the way ahead for banking focused fintech’s in India. To know more about Niyo please visit : https://www.goniyo.com/ Niyo is #hiring, so if you are a product maven or a coding ninja, do take a look at their current open roles at: https://angel.co/company/niyo-sol/jobs…
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1 EP001 - Neo Banking Part 01 - Introduction to Neo Banking 19:19
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Ever 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.…
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