Claim OwnershipThe India FinTech Diaries
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© Hemant Kshirsagar & Elroy Serrao
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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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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
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
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
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
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
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
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
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
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!!!
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/
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
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
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
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
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
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
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
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/
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
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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