This Fintech Platform Was Built without Software team | Now Used by 3.53 Crore People

This platform approves loans in hours, not days  and is used by 3.53 crore+ people. In this episode, we sit down with Bhavin (Co-founder & CEO) and Dipesh (Co-founder & CTO) to unpack how one of India’s most impactful fintech platforms was really built. One of the founders is Nepali, who coded the first version himself  and today the platform has enabled ₹17,000+ crore in loans and operates at a speed traditional banks struggle to match. What You’ll Learn in This Episode:   -How the first product was built without a tech team   -Why coding is not the hardest part but vision is   -How lending moved from days to hours   -Why banks struggle with small-ticket loans   -How AI is used as a daily habit, not a buzzword   -Why trust in fintech takes 15+ years, not quick growth hacks   -What young founders should build next in fintech   -Why entrepreneurs must invest back into the ecosystem This episode is for founders, builders, operators, and anyone curious about how large-scale platforms are built, scaled, and sustained in the real world.   Timestamps     00:02:36 From Football to Founders 00:04:19 The P2P Idea Begins 00:07:46 Coding Without a Tech Team 00:10:28 Credit Banks Ignore 00:13:19 Trust Takes Time 00:15:27 The UPI Effect 00:16:59 Building First Credit 00:20:51 Why We Don’t Pivot 00:24:57 Facing Regulatory Storms 00:28:39 Vision Over Coding 00:35:46 Why Banks Avoid Small Loans 00:37:39 The Secret Lending Recipe 00:44:08 AI as a Daily Habit 00:50:19 Building with 100% AI 00:54:39 Big Fintech Opportunities 01:07:53 Surviving the Long Game 01:10:16 Nepal’s Startup Loop   Want to join us live in the studio as an audience member? Fill out this form: https://forms.gle/xZi8yptyoxkkc6aa8    ✉ Reach out to us at [email protected]   🎧 Listen on audio platforms:  https://www.podbean.com/eas/pb-32f7s-19cc50b   🎤 Host: Anup Ghimire Founder of Doers Nepal  LinkedIn:  https://www.linkedin.com/in/anup-ghimire-9366aa5a/    👥 Guest  Dipesh Karki  CTO @ LenDenClub  LinkedIn: https://www.linkedin.com/in/deepeshkarkee/ 👥 Guest  Bhavin Patel CTO @ LenDenClub  LinkedIn: https://www.linkedin.com/in/khanalbhupendra/ 📲 Follow The Doers Nepal: Instagram:   / https://www.instagram.com/thedoersglobal/ Facebook:   / https://www.facebook.com/thedoersnepal/   🎬 Production Partner: Viewfinders Production Instagram:   / https://www.instagram.com/viewfindersstudio/?igsh=MWlseDV5azB3Y3lsMw%3D%3D#   This episode is strengthened by Hama Steels and insured by Himalayan Everest Insurance  Facebook: https://www.facebook.com/share/1AGS33qQH3/ Instagram: https://www.instagram.com/hamasteel/ Facebook: https://www.facebook.com/himalayaneverestinsurance?mibextid=LQQJ4d&rdid=Ccm3aTE9zypUEi6B&share_url=https%3A%2F%2Fwww.facebook.com%2Fshare%2FariZHNDrbMn2vFse%2F%3Fmibextid%3DLQQJ4d#  Instagram: https://www.instagram.com/hei.com.np/   Need help building a high-quality podcast? They’ve got you covered – from set design and shooting to post-production and guest curation.   📸 Wedding Dreams Nepal Instagram:   / weddingdreamsnepal    Website: https://weddingdreamsnepal.com    📞 Call: +977 9813657889   #doersnepal  #fintech  #startuppodcast  #founderstory  #p2plending  #NepaliFounder #startupjourney  #digitallending  #AIInFintech #entrepreneurship  #businesspodcast  #futureofbanking