Fintech Ki Baat

In this episode of Chasing Impact, Shreyas sits down with Harsh Gupta, Principal at Flourish Ventures, one of India's most active early-stage fintech funds backed by eBay founder Pierre Omidyar.Harsh breaks down how Flourish evaluates fintech startups across credit, embedded finance, green finance, and AI, and shares an inside look at their investment in SalarySafe and the credit-on-UPI thesis.What we cover:-Flourish's evergreen fund model and why it changes how they partner with founders-Venture debt vs venture equity: the mindset shift explained-The embedded finance thesis: platforms, plumbing, and plugins-Why credit-on-UPI is a high-engagement product with real tailwinds-What gets a VC excited in the first 5 minutes of a pitch-AI in fintech: internal adoption vs new investment opportunities-Where Harsh would bet money for the next 3 to 5 years: AI and wealthtech-Whether you are a founder preparing your first pitch or a fintech operator trying to understand how investors think, this episode has something for you.-Connect with Harsh Gupta: linkedin.com/in/harshguptaLearn more about Flourish Ventures: flourishventures.comSubscribe to Chasing Impact for weekly fintech conversations with founders, investors, and ecosystem builders.

In this episode of Fintech Ki Baat Dil Se — Dhande Ki Baat — we sit down with Indrajit Makkar, Founder & CEO of Factacy. AI, for a no-fluff deep-dive into the real state of AI in India.From Shark Tank anecdotes to building AI for lending, collections, KYC, and fraud detection — Indrajit brings 4+ years of on-the-ground perspective on what works, what's hype, and where the real opportunities lie.🔑 What we cover in this episode: What Factacy AI actually builds — and for whom Why wrapper AIs are a dangerous business model The truth about "Agentic AI" vs. basic automation How AI can transform collections for financial inclusion lenders SLMs — the quiet revolution coming to edge devices and small businesses Industries where AI will create the biggest impact: pharma, manufacturing, BFSI, mobility Startupinvestors.ai — ending the ghosting problem for founders AI's macroeconomic impact on India⏱️ Timestamps: 00:00 — Introduction 00:45 — What does Factacy .AI do? 06:10 — startupinvestors.ai — the backstory 09:00 — Wrapper AIs: hype or value? 13:40 — SLMs and their future 16:30 — Industries AI will transform 21:00 — AI in BFSI: lending, KYC, fraud & collections 30:30 — Agentic AI: myths vs. reality 40:15 — AI's macroeconomic impact on India 45:50 — Closing thoughts👍 If you found this valuable, like, share & subscribe — it helps us bring more conversations like this.🔔 Subscribe for weekly episodes on fintech, startups & the future of money in India.

What does Entrepreneurship actually look like behind the Cameras, the funding, announcements & the LinkedIn Posts? Indrejit Makkar has seen it all.A decade at S&P building Capital IQ. A recycled denim startup that flopped. An e-cigratte business wiped out overnight by a government ban. A shark Tank Season 1 Pitch that landed funding from Piyush Bansal & Ashneer Grover & then the part nobody talks about: Runiing 2 startups with a team so lean they were doing everything from sweeping to sales.In this Conversation, Inderjit holds nothing back. Why he paused Factacy.ai for 2 years to keep proxgy alive. How that accidentally saved the company when the AI wave hit. Why your Spouse is your biggest invesror even without putting in a rupee & why celebrating funding rounds is the first Sign you've lost the plot.TIMESTAMPS:-02:52- How did Inderjit Start his entrepreneurial journey?08:00- Experience of featuring on Shark Tank India11:42- Journey of Building Factacy.Ai & piece of advice for budding entrepreneurs19:15- When you talk about jumping into entrepreneurship, they say you should have a safety net. What was your safety net ?24:33- Things Budding Entrepreneurs Should Not Do While Starting a Startup

What if an MSME could get a loan approved in seconds instead of weeks ?Chirah Shah Founder & CEO-Pulse, has already made this happen for 7 Million UK Business backed by £3. 4 Billion in Securitised Lending. Now he's bringing that playbook to India. In part 2, we deep dive into how Pules's data engine works, why their daily refresh data beats even credit bureaus, how securitization structures actually function (broken down simply) & what it will take to unlock serious foreign capital for Indian MSME's. We also get into why business insurance in india has a product and an awareness gap, what embedded finance actually looks like when done right, and why Chirag believes fixing MSME Capital access is the real GDP growth engine India needs.TIMESTAMPS02:11 - What is Pulse all about & what is it building?04:18- Why the name Pulse?05:23- Product Securitisation 05:49- Where does Pulse fit in MSME? Is pulse ERP ? or ppe sitting behind ERP?10:20- Star Contrast between MSME Lending in U.K Vs India ?15:36- What are the other products Chirag see benefit from MSME Platforms?21:00- Securitisation of Products in U.K 26:54- How is Loan Processed 31:19- Creating Investment Assets for Retail Class& Foreign Investors32:45- Thoughts on Foreign Investment Platforms37:35- Closing Remarks

In this episode of Fintech Ki Baat Dil Se, we sit down with Chirag Shah, Founder & CEO of MyPulse, to explore his journey from investment banking in the US and London to building a fintech infrastructure company in India.Chirag shares how the 2008 financial crisis sparked his entrepreneurial journey, why he moved back to India to build MyPulse, and what it takes to build technology that helps SMEs and lenders make smarter financial decisions through data.We cover his journey from Mumbai → US → London (post-2008 credit crisis) → back to India to build MyPulse, plus hard truths on entrepreneurship: don’t over-plan, don’t obsess about being first, and hire a “team of lions.”A must-watch for founders, fintech enthusiasts, and anyone building in the SME and financial data ecosystem.TIME STAMPS02:16- Chirag Shah’s journey from Mumbai → US → London → India 03:50- Leaving Job & Stepping in the world of Entrepreneurship 05:19- The myth of “first-mover advantage” in startups 07:20- What made you caome back to India from London 08:20- The Journey of Building MyPulse From the Scratch 09:34- Most Humbling piece came across while building MyPulse11:00- Hiring your first team and building a “team of lions”13:18- Fund Raising in India Vs. Other Foreign Countries14:50- How do you see B2B model Vs. Unit Economic Model?18:10- A piece of advice for someone who is starting B2B Business Model & even be revenue positive21:00- 3 Don'ts for Budding Entrepreneurs. Stay tuned for the next segment Dhande Ki Baat, where we deep dive into how MyPulse is transforming financial intelligence for SMEs.

In this episode, Nitish Sahni, Co-Founder of Paasa, breaks down the complete infrastructure behind global investing — from LRS remittances and bank integrations to Interactive Brokers custody, estate tax risks, and compliance layers.We also explore how global diversification is reshaping Indian portfolios, the macro impact of capital outflows, and what the future holds for cross-border investing.⏱ TIME STAMPS02:24 – The story behind the name Paasa03:15 – How a $1 investment actually travels overseas08:05 – Exchanges connected globally08:42 – Do you need an account with partner banks?09:51 – From bank debit to share custody confirmation11:54 – How global equities change the investor landscape17:59 – Estate tax rules for Indian investors19:35 – If 30% of Indians invest globally: macro impact22:10 – How this space evolves in the next few yearsThis is not theory. This is the real backend of cross-border investing explained in simple terms.If you're an investor, founder, fintech enthusiast, or someone curious about how platforms enable Indians to invest globally — this episode gives you clarity.If you’ve ever wondered how global investing actually works behind the scenes — this episode connects all the dots.

n this episode of Founders Story, we sit down with Nitish Sahni, co-founder of Paasa—a YC-backed platform giving Indian investors seamless access to global assets and financial advisory.From SoFi’s data platforms in the US to Y Combinator in 2024, Nitish shares how his personal experiences with rupee depreciation and cross-border money movement led to the idea of Paasa.📌 Key themes covered:From Berkeley to SoFi: Lessons from BigTech and FintechWhy Indian HNIs lack access to global productsThe $1 trust problem in fintech onboardingGoing B2C in wealth: Breaking through regulatory and trust barriersEarly GTM learnings and customer acquisition playbooks🚀 If you’re building in fintech, working on compliance-heavy products, or just curious about what it's like to go from YC to launching in India—this story has it all.🎥 Watch now, and subscribe for more founder journeys from the frontlines of Indian fintech.#FoundersStory #Paasa #NitishSahni #YCFounder #FintechIndia #ShreyasJani #GlobalInvesting #WealthTech #YCombinator #SoFiAlumni #FintechPodcast

In this deep-dive episode of Dhande Ki Baat, we sit down with Satinder Aggarwal, founder of EQBAC—a game-changing platform that's making it seamless for Indian investors to access global assets.From setting up international custodian accounts to enabling fractional investments in global equities, Satinder unpacks the infrastructure, regulations, and advisory model powering the next wave of cross-border investing.What’s Inside:👉 How global investing works for Indian retail investors👉 Regulatory hurdles and Gift City’s rising importance👉 The advisor-first model behind EQBAC👉 Infrastructure, KYC, and tech stack for seamless global access👉 Why fractionalization will shape the next phase of financial inclusion👉 A macro view: What happens if 30% of India starts investing overseas?Whether you're a retail investor, wealth advisor, or a fintech founder—this episode is loaded with insights you don’t want to miss.📌 Don’t forget to like, share, and subscribe for more such candid conversations.#fintechstartup #fintechindia #fintech

What does it take to make cross-border investing effortless? In this Founder’s Story, Satinder Aggarwal, founder of EQBAC, reveals how he's building a frictionless USD-to-India investing highway—leveraging offshore funds, NRI flows, and Gift City’s potential.🚀 From quitting the corporate safety net to aggregating global mutual funds for NRIs and overseas investors, this candid conversation with Shreyas Jani dives deep into the “why” and “how” behind EQ Back’s mission.TIMESTAMPS:00:39 – Introduction of Satinder & EQBAC01:27 – Global Investments02:05 – Satinder's Journey04:33 – Previous Startup05:42 – From Yes Bank to Karvy to Founding EQBAC09:12 – Managing Life Without Cashflow as a Founder12:00 – Startup Ecosystem: Dubai vs India15:00 – Rise of Fintech in Dubai18:00 – The ‘Aha’ Moment: EQBAC is Working21:00 – Advice to Budding Entrepreneurs

In this explosive panel from Fintech Ki Baat Our Host Shreyas Jani dives deep with four industry veterans—Chris George (Qube Health), Jose Peter (Founder & CEO-Arogya Finance), Apurva Sule (Pharma Expert), and Atul Deshpande (Insurance Expert)—to uncover why India spends ₹6 lakh crore out-of-pocket on healthcare annually.From insurance gaps to financing innovations, discover:Why Indians fall into poverty due to medical shocksHow startups are solving critical care affordabilityThe missing middle: India's uninsured problemThe rise of healthcare sachet products & OPD financingThe role of UPI-style rails for medical paymentsWhat the next 5 years look like for India’s healthcare infra💡 Whether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.TIMESTAMPS 02:33 – Evolution of Healthcare Finance in India05:44 – Jose’s experience in medical lending09:10 – Most common patient-side use cases10:36 – How countries tackle out-of-pocket expenses22:00 – Super Top-Up Insurance: Explained31:00 – Cost & complexity of oncology drugs45:00 – Changing financial behavior in healthcare56:27 – The next 5 years in healthcare & paymentsWhether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.

What does it take to build trust in India’s most regulated fintech layer?In this episode of Dhande Ki Baat, host Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-founder & CEO of SAFE.in, to unpack the real story behind building one of India’s first Account Aggregators.Discover how account aggregation is revolutionizing financial services by providing secure, error-free data and empowering consumers with control over their financial information. Venkatesh shares his entrepreneurial journey, insights into the industry's future, and the transformative potential of account aggregation for both businesses and individuals.From his early career in financial services to navigating RBI compliance, Venkatesh shares:Timestamps;00:40 – Intro & Founder Journey Recap01:35 – What is Account Aggregation & Why it Matters03:20 – Data Consent & Encryption Explained06:00 – Regulatory Oversight & RBI Audits07:30 – Lending, Wealth, Insurance & F&O Use Cases10:10 – Why Banks Are Catching Up Slowly10:31 – Real Savings for Lenders: ₹150 to ₹312:05 – Joint Account Access Coming Soon14:14 – MSMEs + Inclusion via Joint Consent16:35 – Non-financial Data Consents (Auditors, Visa, etc.)18:32 – LSPs & Future Expansions Beyond Regulated Entities22:40 – Interoperability Challenges & Sahamati NET25:00 – Central Proxy Layer: The UPI Moment for AAs27:34 – Business Model Viability & Market Dynamics31:42 – DPDP & Consent as a New Layer of Power32:45 – Future: Every Transaction Touches AA37:45 – Wrap Up & Closing ThoughtsThis isn’t a pitch. It’s raw, practical, founder-first storytelling from someone who’s building the pipes of India’s open finance future.🎧 Watch if you're a fintech builder, operator, investor, or just curious about India’s data revolution.

In this episode of Fintech Ki Baat Dil Se, Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-Founder & CEO of SAAFE.in—one of India’s leading licensed Account Aggregators (AAs). With over three decades in financial services and leadership stints at Cholamandalam and Cognizant, Venkatesh brings unparalleled insight into the evolution of digital finance in India.We deep-dive into his journey from NBFCs to tech-driven compliance, the founding story of SAFE.in, and how account aggregation is reshaping digital lending, user consent, and privacy in India.Timestamps:00:49 – Intro to SAFE.in and Account Aggregation03:00 – Benefits of Account Aggregation for Lenders & Consumers05:00 – Venkatesh’s Career Journey: Chola to Cognizant13:58 – Startup Inspiration from Ex-Colleagues & Industry Trends17:30 – Applying for the RBI AA License20:25m – Financial Planning Before Starting Up22:14 – Hard Truths & Lessons for New EntrepreneursIf you're building in fintech, curious about open banking, or considering your own startup journey, this episode is packed with real-world insights and advice.🔔 Subscribe to Fintech Ki Baat Dil Se for more founder-led conversations in India's fintech ecosystem.

If you’re a budding founder, operator or VC, this episode is a masterclass in what it really takes to build a fintech startup in India.Manish Shara, Founder & CEO of ZET, shares candid lessons from his serial entrepreneurship journey, why he chose to solve India’s credit and financial access problem, and how ZET is being built for the next wave of Indian consumers.In this conversation, we talk about:• Early founder mistakes, pivots and mindset shifts across ventures• How ZET thinks about fintech distribution, trust and scale in India• Balancing growth, risk and unit economics while building in credit-adjacent spaces• Practical takeaways for budding entrepreneurs and VCs evaluating fintech betterTransferring actionable insights from cross domain experienceIf you enjoy entrepreneurship podcasts, founder stories and deep dives into Indian fintech, this episode deserves a spot in your playlist.Timestamps:00:42 – Introduction02:30 – Manish’s journey: From Jaipur coder to serial entrepreneur06:45 – The rise and fall of Offermundi & Simplify10:45 – Dineout days and product learnings13:05- Manage to stay sane & how Manish took the rightful risks 21:11 – How referral logic led to OneCode27:12 – Transition to Fintech & Zet30:40 – Solving affordable credit with credit scores33:57 – Manish’s 3 “Don’ts” for founders38:45 – Final thoughts and wrap-up👉 Don’t forget to like, share, and subscribe for more candid founder journeys and deep dives into India's fintech ecosystem.

Cross-border payments are broken. Different rails, delays, hidden charges, SWIFT hassles—and Indian exporters often get caught in the chaos.In this Dhande Ki Baat episode, Our Host Sits down with Indunath Chaudhary, Founder of BriskPe, to break down how they're simplifying international trade for Indian exporters with faster settlements, local currency rails, and compliance-first infrastructure.📌 We talk about:The origin of the name BriskPeHow they built their own mini core banking systemReplacing SWIFT delays with real-time visibilitySolving compliance challenges: FIRCs, EBRC, FEMA, PMLAIndia's next export growth states & global corridorsWhy BriskPe is future-ready for CBDCs and stablecoinsAdvice to fintechs building infra in regulated spaces🎯 If you're building in fintech, exporting globally, or are curious about the infra behind cross-border B2B payments, this one’s a must-watch.🚀 This isn’t just another remittance story — it’s a lesson in how fintech infrastructure is being rebuilt, from first principles, to handle inward and outward payments, boost exporter confidence, and create global rails for Indian MSMEs.

Join Shreyas Jani as he delves into the world of fintech with Indunath Chaudhary, Founder & CEO of BriskPay. Discover how BriskPay is transforming cross-border payments for Indian exporters, the challenges faced in building a fintech startup, and the mindset shifts that powered Indunath’s leap from a stable job to full-time entrepreneurship.Key Highlights🚀 Indunath's journey from Jaipur to founding BriskPayNavigating financial crises and career pivots🌐 The evolving fintech landscape and regulatory hurdlesFinancial planning insights for early-stage founders🔮 Future of cross-border payments and fintech disruptionTimestamps02:24 – Indunath's journey: From Jaipur to Mumbai with a dream07:07 – The defining moment: Why Indunath quit his 9-to-5 job13:15 – How he managed finances while building a startup20:05 – The moment BriskPay took flight — and there was no looking back24:10 – Top 3 don'ts for budding entrepreneurs

Join Shreyas Jani as he engages in a thought-provoking discussion with Kalpana Ajayan, the Regional head of Women's World Banking. This episode delves into the critical topics of women empowerment, financial inclusion, and the role of digital public infrastructure in transforming the financial landscape for women globally.Key Highlights:Kalpana's journey from a banker to an advocate for women's financial inclusion. The impact of Women's World Banking in reaching over 53 million women in India. Challenges and solutions in designing gender-intentional financial products. The role of AI and digital infrastructure in enhancing financial access for women. Future focus areas for Women's World Banking, including climate resilience and consumer protection.

ALL OPINIONS EXPRESSED BY THE HOST IN THIS SHOW ARE THEIR OWN AND DON'T REPRESENT THE VIEWS OF THE ORGANISATION THAT THEY MAY BE ASSOCIATED WITH. Join us in this insightful episode of Fintech Ki Baat as Our Host Shreyas Jani dive into the world of AI in the BFSI sector with Suman Gandham, Founder and CEO of possible.ai. Discover the origin story behind possible.ai, the challenges and opportunities in AI for FinTech, and Suman's unique journey from entrepreneurship to AI innovation.Key Topics:The origin and vision of possible.ai AI's role in transforming the BFSI sector Challenges in implementing AI solutions Suman's entrepreneurial journey and insightsDon't forget to like, comment, and subscribe for more episodes on the latest in FinTech and AI!

ALL OPINIONS EXPRESSED BY THE HOST IN THIS SHOW ARE THEIR OWN AND DON'T REPRESENT THE VIEWS OF THE ORGANISATION THAT THEY MAY BE ASSOCIATED WITH. In this powerful episode of Fintech Ki Baat Dil Se, host Shreyas Jani sits down with Suman Gandham, Founder & CEO of Posibl.ai, to uncover how artificial intelligence is transforming the BFSI sector. From his entrepreneurial roots to building a cutting-edge AI platform, Suman shares insights on what it takes to innovate in India’s fast-evolving fintech space.🔍 Key Topics Covered:The origin story and mission of Posibl.aiHow AI is reshaping lending, risk assessment, and personalization in BFSIReal-world challenges in deploying AI at scaleSuman’s entrepreneurial mindset and lessons from the trenchesWhether you're a fintech founder, investor, or technologist, this episode is packed with practical insights and inspiration.🔔 Don’t forget to subscribe for deep dives with India’s fintech innovators!

n this candid episode of Fintech Ki Baat Dil Se, Our Host Shreyas Jani sits down with Sankarsh Chanda, the prodigy-turned-Founder of Savart and Stardour, to explore the evolving world of Robo-advisory, tech-led investing, and entrepreneurial resilience.Sankarsh shares how he began investing at just 14, what early failures taught him, and why humility, feedback loops, and strong teams matter more than ever.The conversation dives deep into qualitative research, risk-taking, and building ventures with soul.

🔐 In this compelling episode of Fintech Ki Baat Dil Se, host Shreyas Jani sits down with Saurabh Gupta, Founder & CEO of VeriSmart.AI, to unpack one of the most urgent themes of our digital era: the intersection of data ownership, privacy, and AI ethics.Saurabh shares how decentralized data infrastructure can redefine consumer experiences—making them smarter, more personalized, and privacy-first. From blockchain to interoperable AI to the moral grey zones of algorithmic influence, this is a must-watch for anyone working at the edge of innovation.🔍 What You’ll Learn:Why "data is the new oil" and why you should own yoursHow interoperable AI enables cross-platform personalizationThe truth behind data privacy myths and challengesReal-world use cases for decentralized technologiesHow blockchain + AI can work together in data frameworksThe ethical tightrope of AI for good vs AI for manipulationWhy multi-stakeholder collaboration is vital for safe tech🌐 If you're building in AI, working in fintech, or simply care about who controls your data — this episode will change how you think.👉 Subscribe to Fintech Ki Baat and tap the 🔔 for deep dives with India’s boldest fintech thinkers.

ALL OPINIONS EXPRESSED BY THE HOST IN THIS SHOW ARE THEIR OWN AND DON'T REPRESENT THE VIEWS OF THE ORGANISATION THAT THEY MAY BE ASSOCIATED WITH. 🚀 Welcome to a thought-provoking episode of Fintech Ki Baat Dil Se, where host Shreyas Jani sits down with Saurabh Gupta, Co-founder and CEO of VerySmart.ai. Saurabh shares his raw and insightful journey from his early tech days to building a decentralized data infrastructure platform aimed at giving users full control over their digital identity.This conversation goes beyond the surface of startup buzzwords to uncover the real challenges, mindset shifts, and strategic thinking required to build something truly impactful in today's fast-evolving tech landscape.🔍 Episode Highlights:From College Projects to Cutting-Edge Tech: Hear how participating in the DARPA autonomous vehicle challenge sparked Saurabh's entrepreneurial spirit.Startups vs. Traditional Business: Why solving deeply personal, scalable problems matters more than chasing trends.VerySmart.ai’s Mission: Explore how Saurabh’s venture evolved from a reg-tech startup to a decentralized platform redefining user consent and data control.Privacy, Myths & Tech Realities: Why data deletion is misunderstood, and how true privacy starts with empowering the user.Timing Your Leap: Why there’s no “perfect” time to start a business — just the right problem and real conviction.🌐 Whether you’re a future founder, tech builder, or simply curious about where AI and data ownership are headed, this episode is your crash course on turning complex problems into real-world impact.👉 Subscribe to Fintech Ki Baat for weekly episodes featuring the boldest voices in entrepreneurship, fintech, and innovation.

🚀 Welcome to an inspiring episode of Fintech Ki Baat Dil Se, where host Shreyas Jani sits down with Pari Raghavan, the visionary founder of Multipl.Dive into the concept of 'spendvesting'—an innovative approach that encourages investing with future spending in mind. This episode unpacks the unique aspects of Multipl, from its user-centric design to its groundbreaking investment strategies that seamlessly blend spending with investing.🔍 Episode Highlights:Origin and Vision: Discover the story behind Multiple’s name and its mission to multiply consumer wealth through smart financial habits.Spendvesting Explained: Learn how Multiple’s platform revolutionizes the way we think about investing by linking it directly to consumption.User Experience: Explore the seamless journey Multiple offers its users, from intuitive investment options to automated financial planning.Behavioral Finance Insights: Gain insights into how spendvesting influences consumer behavior, promoting savings and curbing impulsive purchases.Monetization and Ethics: Understand Multiple’s ethical monetization strategy that focuses on transparency and providing unbiased financial advice.🌐 This discussion is a must-watch for anyone interested in fintech innovations, behavioral finance, or simply looking to understand how modern technology can be harnessed to improve financial health. Join us as Pari Raghavan shares valuable insights on creating a platform that not only meets the investment needs of today’s consumers but also prepares them for future financial challenges.👉 Don’t forget to subscribe to Fintech Ki Baat for more discussions with leading minds in the world of financial technology. Discover trends, solutions, and inspiring stories that are shaping the future of finance.

Welcome to a transformative episode of Fintech Ki Baat Dil Se, where host Shreyas Jani delves into an insightful conversation with Sameer Singh Jaini, the visionary Founder and CEO of The Digital Fifth. Tune in as they discuss Sameer's pivotal shift from a traditional banking role to leading a pioneering consulting firm in the fintech sector. This episode explores the dynamic evolution of fintech, the challenges and opportunities within the lending landscape, especially in real estate, and the critical role of digital transformation in shaping the future of finance. 🔍 Episode Highlights: From Banking to Fintech Pioneer: Uncover Sameer's journey from corporate banking to establishing a leading consulting practice in the fintech domain. Digital Transformation in Lending: Explore how technological advancements, particularly AI, are revolutionizing the lending process, reducing times and enhancing security. Challenges for Small Entrepreneurs: Dive into the difficulties small business owners face in securing financing and how fintech innovations are bridging this gap. The Role of AI and Human Touch: Discuss the balance between leveraging AI for efficiency and maintaining the irreplaceable human element within customer interactions. Regulatory and Community Insights: Gain insights into the evolving regulatory framework and the importance of community building within fintech to drive growth and collaboration. 🌐 Whether you're an entrepreneur, investor, or fintech enthusiast, this episode is packed with valuable insights into the intersections of technology and finance. Learn from Sameer’s experiences and strategies for navigating the complex fintech ecosystem. 👉 Subscribe to Fintech Ki Baat to stay updated with the latest trends and deep dives into the finance technology world. Be part of the community shaping the future of fintech!

Join us on this episode of Fintech Ki Baat Dil Se, where host Shreyas Jani sits down with Paddy Raghavan, the innovative founder of Multiple, a groundbreaking investment platform. Tune in to hear about Paddy remarkable journey from a tech enthusiast to a fintech entrepreneur, overcoming the hurdles of transitioning from enterprise SaaS to a consumer-centric business model. This episode is packed with invaluable lessons on financial planning, the importance of perseverance, and strategic insights for budding entrepreneurs. 🔍 Episode Highlights: Entrepreneurial Insights: Paddy discusses his journey from fascination with cloud technology to creating his own startup. Building Consumer Fintech: Explore the unique challenges and strategies in shifting from a business-to-business to a consumer-focused model. Key to Success: Learn why confidence and a deep understanding of your market are essential for any startup founder. Financial Wisdom: Discover the critical role of financial planning and bootstrapping in the early stages of a startup. Value Creation: Paddy emphasizes the importance of creating real value for customers beyond mere financial gains. Chapters: 02:00 - Knowing Paddy Raghavan & how he started the Entrepreneurship Journey 06:19 - Taking the Leap into Entrepreneurship 13:43 - Reflecting on the Entrepreneurial Journey and the Transition to Fintech 🌐 Whether you're an aspiring entrepreneur, a seasoned investor, or just curious about the fintech landscape, this discussion with Pari Raghavan offers a profound look into the dos and don'ts of starting and sustaining a successful business in the digital age. 👉 Hit subscribe on Fintech Ki Baat to catch all our episodes featuring leaders who are reshaping the financial world. Get inspired and learn directly from those at the forefront of innovation. #FintechKiBaat #PariRaghavan #StartupJourney #Entrepreneurship #FinancialPlanning #ConsumerFintech #Innovation #StartupChallenges #ValueCreation #FintechStartup

Welcome to a groundbreaking episode of Fintech Ki Baat, where host Shreyas Jani engages with Sandeep Mohindru, the visionary Promoter and Director of Mxchange. This in-depth discussion unveils how M1xchange is revolutionizing the invoice discounting sector in India, providing SMEs with innovative solutions to enhance their financial flexibility. Dive into the transformational journey from traditional processes to digital innovations that streamline and secure financing for small and medium enterprises. 🔍 Episode Highlights: Sundeep’s Transformation: From Chartered Accountant to a leader in fintech innovation, discover Sandeep’s unique journey into the world of technology and finance. The Treads Platform: Explore how this platform is changing the game for SME financing by enabling efficient invoice discounting through a digital ecosystem. Challenges and Solutions: Understand the significant challenges that traditional invoice discounting posed and how M1xchange addresses these with cutting-edge technology. Innovative Financing for SMEs: Learn about the strategic role of Bharat Connect and how banks compete to offer the best rates to SMEs, improving their access to necessary funds. Technological Impact: Delve into how machine learning and data analytics are being leveraged to optimize credit assessments and enhance the financing process. 🌐 Whether you’re a startup owner, a financial expert, or simply interested in the fintech landscape, this episode is packed with insightful discussions that highlight how technology can solve complex financial issues, especially for SMEs.

Welcome to an illuminating episode of Fintech Ki Baat, where host Shreyas Jani sits down with Pramod Kathuria, founder and CEO of Easi Loan, to delve into the transformative changes sweeping the home loan sector. Discover how EasyLoan is leading the charge in revolutionizing the mortgage process, integrating cutting-edge technologies like AI, blockchain, and digital initiatives to simplify and enhance customer experiences. 🔍 Episode Highlights: Innovating Home Loans: Learn how Easi Loan is addressing the inefficiencies of the traditional home loan process with its innovative front-end platform. Digital Transformation: Explore the crucial role of digital technologies in remodeling the customer journey in home loans. Technological Advancements: Gain insights into how AI, machine learning, and blockchain are being leveraged to streamline processes and ensure transaction transparency. Government Initiatives: Discuss the significance of government efforts in digitizing land records and how these contribute to the evolving landscape of home financing. Post-COVID Evolution: Understand the rapid changes in the home loan industry from pre-COVID times to the present, driven by an increasing consumer demand for digital solutions. 🌐 Whether you are a homebuyer, a fintech enthusiast, or an industry professional, this discussion provides a deep dive into the future of home loans and the technological innovations shaping this space. 👉 Subscribe to Fintech Ki Baat for more expert discussions that uncover the latest trends and solutions in financial technology. Don't miss out on insights that could redefine your understanding of what technology can do in the financial sector.

Welcome to another enlightening episode of Fintech Ki Baat, where host Shreyas Jani sits down with Pramod Kathuria, the innovative founder and CEO of Easiloan. This episode dives deep into Pramod's entrepreneurial journey, from the early Dotcom days through his impactful work in real estate and housing finance, leading to the inception of Easiloans amidst the challenges of the pandemic. Discover how Easylis redefining the lending landscape and what it takes to thrive in the competitive world of FinTech. 🔍 Episode Highlights: Pramod’s Path to Innovation: From his beginnings in the Dotcom boom to revolutionizing mortgage lending with Easiloans Pandemic as a Catalyst: How COVID-19 exposed critical gaps in traditional mortgage processes and sparked the creation of Easiloand Strategic Growth: Learn about Easiloan's key milestones, including partnerships with major banks and expansion into new markets. Financial Planning Wisdom: Pramod shares essential financial tips for founders navigating the early, turbulent waters of startup life. Balance in Innovation: Insights on how combining industry experience with adaptability and innovation is crucial in the fast-evolving FinTech sector. Founder’s Wellbeing: Effective strategies for managing stress and maintaining mental health while running a startup. Chapters: 00:00 02:10- Introduction to Pramod Kathuria and Easiloans 05:48 - Pramod's Journey: From Dotcom to Easiloans 08:00 - The Genesis of Easiloans and Key Moments in Easiloans Journey 12:040 - Financial Planning for Founders 17:00 - The Balance of Experience and Innovation in FinTech 21:45 - Managing Stress and Mental Health as a Founder 25:40 - Top Tips for Budding Entrepreneurs 🌐 Whether you're an aspiring entrepreneur, a seasoned investor, or simply fascinated by the transformation in financial services, Pramod's story offers valuable lessons on perseverance, innovation, and strategic thinking. 👉 Don’t forget to subscribe to Fintech Ki Baat for more compelling conversations with the changemakers of the fintech world. Learn, grow, and be inspired as we explore the future of finance together.

Join us on this exciting episode of Fintech Ki Baat Dil Se as host Shreyas Jani sits down with Adith Podhar, the visionary Founding partner at Gemba Capital. Dive deep into Adith’s unique journey from entrepreneurship to venture capital, and discover his strategic insights on the booming fintech sector in India. This episode unpacks the dynamic interplay between regulations, innovative lending practices, and the evolving expectations of consumers in the fintech space. 🔍 Episode Highlights: Adith's VC Journey: Explore Adit's transition from marketing VC funds to founding Gemba Capital, and how his entrepreneurial spirit influences his investment strategies. Fintech Innovation and Regulation: Learn about the critical role of regulation in fostering fintech innovation and why working alongside regulators is pivotal for the growth of financial services. B2B vs. B2C Models: Delve into the dichotomy between B2B and B2C fintech models, and why consumer-facing platforms may offer larger outcomes. Emerging Trends in Fintech: Adit shares his bullish outlook on sectors like insuretech, alternative investing, and particularly affordable housing finance and consumer lending. Growth Metrics and Founder Insights: Understand what growth metrics matter for fintech startups and the key insights that every early-stage founder needs to succeed. Chapters: 02:34 - Introduction & Adith's Adit's Transition from Entrepreneur to VC 06:05 - Inspiration behind The Gemba Capital 13:40 - Importance of Regulation in Fintech Innovation 24:00- Importance of Financial Inclusion 25:00- Hypo Scenario: If you had 2 Equal companies and a solid business model, would Adith Pick one with B2B OR B2C? 27:00- Recent Investment with World Money 34:40- Since Indian VC's have a lower risk Appetite (Assumption ) Indian Vc's approach Global Vc's is it wise ? 38:50 - Future Trends and Disruptions in Fintech 41:57- How do the regulator manipulate the Investment decisions in Specific Industries? 🌐 Whether you’re an investor, a fintech enthusiast, or an entrepreneur plotting your next move, this discussion with Adit Boutar offers valuable insights into navigating the complex landscape of fintech investment and innovation. 👉 Subscribe to Fintech Ki Baat to stay updated on the latest trends and deep dives into the finance technology world. Join our community and be part of the conversation that shapes the future of fintech.

Welcome to this pivotal episode of Fintech Ki Baat, where Shrey Jain, a visionary in healthcare finance, dives into how HealthCred is transforming the sector post-COVID. This discussion covers the evolution of healthcare financing in India. It highlights the innovative solutions implemented to overcome the financial challenges that hospitals and the medical supply chain face today. Tune in as we explore the significant impacts of the pandemic, the shift towards cashless insurance, and the crucial role of financial inclusivity in improving healthcare accessibility. 🔍 Chapters: 02:15 - Introduction to Healthcare Finance Evolution 09:00 - The Growing Demand for Working Capital in Healthcare 11:11 - Quantifying Capital Requirements in Healthcare 14:29 - The Cashless Health Insurance Model 18:54 - Financing Solutions for Healthcare Providers & Understanding the Business 23:21- How has HealthCare Industry changed post-Covid & sudden change in Government Mandate & technology Intervention 27:34- The role of NBFC's and Banks 33:00- Revolutionising Working Capital For Hospitals and how it will evolve over a decade 🌐 Shrey Jain's perspective on navigating through the complexities of post-COVID healthcare finance offers valuable lessons on resilience and innovation. Whether you’re involved in healthcare, finance, or simply interested in how these industries intersect and evolve, this episode provides a comprehensive overview of current trends and future directions. 👉 Don’t forget to subscribe to Fintech Ki Baat for more insightful discussions with industry leaders shaping the future of finance and technology. Stay ahead of the curve with us!

Join us on this enlightening episode of Fintech Ki Baat, where host Shreyas Jani delves into the evolving world of healthcare finance with expert Shrey Jain from HealthCred. Discover how the landscape of healthcare financing in India has transformed in the wake of COVID-19, driving a crucial shift towards more inclusive and innovative financial solutions. 🔍 Episode Highlights: Understanding Healthcare Finance Evolution: Gain insights into how the healthcare finance sector is adapting to new challenges and opportunities post-COVID. Impact of COVID-19: Discuss the significant changes in healthcare financing needs due to the pandemic, emphasizing the increased importance of insurance. The Four A's of Healthcare: Explore how availability, accessibility, affordability, and acceptability are crucial for inclusivity in healthcare. Working Capital Challenges: Learn about the cash flow issues facing hospitals and how HealthCred is providing vital working capital solutions to keep facilities operational. Innovative Financing Solutions: Shrey Jain talks about the need for creative financial models to ensure sustainability and growth in the healthcare sector. Shrey Jain provides a comprehensive overview of the shifts in healthcare financing, backed by his extensive experience and deep understanding of the market dynamics. Whether you're a healthcare professional, a financial expert, or simply interested in the future of healthcare finance, this episode offers valuable perspectives and predictions. 👉 Don’t forget to subscribe to Fintech Ki Baat for more discussions that bring you closer to the experts and leaders who are reshaping the landscape of finance and technology.

🌟 Dive into the world of smarter investing with Sagar Anantwar, Founder of SimpliFin, on this episode of Fintech Ki Baat! Join us as Sagar shares his innovative approach to financial education that aims to demystify complex financial concepts and make savvy investing accessible to everyone. From the importance of diversified portfolios to the cutting-edge use of AI in finance, get ready to transform your financial strategy and empower your investment decisions. 🔍 What You'll Discover in This Episode: SimpliFin's Vision: How Sagar's platform is revolutionizing personal finance management for the everyday investor. Mastering Diversification: Learn why spreading your investments across various asset classes isn't just smart; it's essential. Insider Investment Techniques: Sagar breaks down FD laddering and systematic withdrawal plans, giving you tools to maximize returns and minimize risks. The Power of Tech in Finance: Explore how AI and machine learning are not just buzzwords but real tools reshaping how we understand and engage with our finances. Economic Trends: How does your investment choice affect the broader economy? Find out how your personal finance decisions can have macroeconomic impacts. Detailed Chapter Guide: 01:31 - The Basics of Building a Winning Investment Strategy 03:50 - Deep Dive into SimpliFin’s Curated Asset Classes 11:29 - How to Define the Role of Each Asset in Your Portfolio 12:58 - FD Laddering Explained: Boost Your Investment Liquidity Smartly 15:37 - Mutual Funds Uncovered: Growing Your Wealth in Emerging Markets 21:00 - Systematic Withdrawal Plans: Ensuring a Steady Income Post-Retirement 23:00 - Analyzing the Impact of Your Investments on the Economy 28:21 - Next-Gen Investing: How AI is Changing the Game in Wealth Management 🌐 Sagar’s insights are a goldmine for anyone looking to enhance their financial literacy and take control of their financial future. Whether you're planning for retirement, saving for a big purchase, or just trying to understand the market better, this episode will equip you with the knowledge and tools you need to succeed. 👉 Hit subscribe on Fintech Ki Baat and never miss out on expert advice that could redefine your financial horizons. Join our community for more discussions that simplify and empower your financial journey.

Welcome to this inspiring episode of Fintech Ki Baat Dil Se, where we sit down with Sagar Anantwar, the visionary founder and CEO of Simplifin. From his roots in a typical middle-class Indian family to leading a groundbreaking investment platform, Sagar shares his entrepreneurial journey and the critical importance of financial literacy in today's economy. Dive into the world of Simplifin, which aims to educate retail consumers about diverse investment options and empower them to make informed financial decisions. 🔍 Episode Highlights: Sagar's Personal Journey: From his early education to the epiphany that led him back to India to start Simplifint. Gap in Financial Literacy: How Sagar identified a crucial market need for financial education among everyday investors. Challenges of Entrepreneurship: Insights into the hurdles of starting and running a business, from securing funding to scaling operations. Life as a Founder: The importance of maintaining work-life balance, managing stress, and leveraging support systems like family and friends. Advice for Aspiring Entrepreneurs: Sagar offers invaluable tips on financial planning, the importance of emotional intelligence, and the necessity of a diversified investment portfolio. Chapters: 00:00 - Introduction to Simplifint and Sagar's Journey 01:21 - The Founder's Story: From Education to Entrepreneurship 05:30- The Moment that hit you that you want to get into startup 08:09 - Identifying Market Gaps in Financial Literacy 11:56 - Financial Planning for Aspiring Entrepreneurs 15:13 - Managing Stress as a Startup Founder 17:31 - Top Don'ts for Budding Entrepreneurs 19:12 - Conclusion: Key Takeaways and Final Thoughts Whether you're a budding entrepreneur, an investor looking to sharpen your financial acumen, or simply curious about the startup landscape, this episode provides a wealth of knowledge and motivation. Join us as Sagar Anantwar shares his story of passion, perseverance, and the pursuit of financial empowerment through Simplifin. 👉 Subscribe to Fintech Ki Baat and hit the bell icon to catch all our episodes, where we bring you closer to the leaders and innovators shaping the future of fintech.

Welcome to an exciting episode of Fintech Ki Baat, where we are joined by Rohit Taneja, the visionary founder of Decentro. In this episode, Rohit delves into the origin story of Decentro and how it has evolved into a pioneering banking middleware SaaS company. He sheds light on the transformative impact of Banking as a Service (BaaS) in India, discusses the key challenges in fintech integrations, and explores the broader implications of emerging technologies in the BFSI sector.🔍 Episode Highlights:Origin and Evolution: Discover how Decentro pivoted from its initial blockchain focus to become a crucial player in the BaaS ecosystem.Integration Challenges: Rohit discusses the technical and regulatory hurdles faced by fintech companies when integrating with traditional banks and how Decentro facilitates this process.Digitization of Lending: Explore the effects of digitization on lending practices, emphasizing the importance of promoting responsible credit behavior to avoid over-leveraging.Technological Innovations: Gain insights into the exciting potential of emerging technologies like space tech and AI in transforming the BFSI sector.Chapters: 01:52 - Introduction to Rohit Taneja and Decentro 04:20 - Challenges in Fintech Integrations and Decentro’s Solutions 06:55- How has the Banking Industry Evolved over the years 14:05- Explaining Banking as a tearm from layman's Perspective 19:16 - The Role of Digitization in Modern Lending Practices 25:15 - Future Trends: AI and Space Tech in BFSI 32:00- Closing Remarks Rohit also shares his enthusiasm for space technology and artificial intelligence, discussing how these could redefine the future landscape of banking and financial services.👉 Don't miss this insightful discussion! Subscribe to Fintech Ki Baat to stay updated on the latest trends and discussions in the world of financial technology.

Decoding Startup Success: Insights from Mr. Rohit Taneja Founder & CEO of Decentro Welcome to this insightful episode of Fintech Ki Baat, where we sit down with Rohit Taneja, the visionary founder of Decentro. Rohit shares his entrepreneurial journey, packed with actionable advice for anyone looking to venture into the startup world. Whether you're pondering the leap into entrepreneurship or already on your way, Rohit's experiences and strategies provide valuable guidance on navigating the challenges and opportunities of building a startup. 🔍 Episode Highlights: Passion-Driven Problem Solving: Discover how Rohit identified a real pain point and transformed it into a successful business model at Decentro. Financial Prudence: Learn about the importance of having a financial safety net and how it can empower you to take calculated risks without jeopardizing your stability. Team Building: Gain insights into assembling a solid founding team that shares your vision and the right attitude to propel your startup forward. Stress Management: Rohit discusses the significance of maintaining open lines of communication with co-founders, family, and friends to manage stress effectively. Vision and Focus: Explore how keeping focused on the bigger picture can drive consistent progress and lead to lasting impact. Chapters: 01:14 - Introduction and Inspiration to Start Building 06:09 - Choosing the Right Path and Problem to Solve 08:28 - Identifying the Idea and Building a Business Model 10:41 - Planning for Financial Stability and Support 15:11 - Finding the Right Co-Founder and Team 18:00 - Managing Stress and Having Honest Discussions 21:00 - Dos and Don'ts for Budding Entrepreneurs 👉 Subscribe to Fintech Ki Baat for more episodes filled with deep dives into the experiences of those shaping the fintech landscape. Dive into the journey with Rohit Taneja and walk away with essential lessons that could guide you on your path to startup success.

Join us on Fintech Ki Baat for a crucial episode that dives into the transformative landscape of Peer-to-Peer (P2P) lending in India, featuring insights from industry experts Mukesh Bubna and Vikram Pandya. As the RBI rolls out new guidelines to regulate this dynamic sector, we explore how these regulations are set to redefine the norms of P2P lending, focusing on enhancing transparency and protecting consumers. 🔍 Episode Highlights: P2P Lending Overview: Get to grips with the fundamentals of P2P lending and how it connects borrowers with lenders directly online. Regulatory Milestones: Trace the evolution of RBI guidelines from their inception in 2017 to the pivotal updates in 2024, and understand their impact on the ecosystem. Building Trust and Safety: Discuss the significance of these regulations in building trust among users and ensuring their protection in the digital lending space. Operational Transformations: Analyze the operational shifts required by the new guidelines, including the restrictions on auto-invest features and the shift away from closed user group models. The Road Ahead: Evaluate the potential for industry consolidation and what the future holds for both new and existing P2P platforms under the stringent regulatory framework. This episode is essential for anyone involved in fintech, lending, and regulatory environments, providing a comprehensive look at how new rules are setting the stage for a safer, more transparent P2P lending market in India. 👉 Make sure to subscribe to Fintech Ki Baat and stay updated with the latest discussions impacting finance and technology across the globe.

This time, we're diving into the transformative world of healthcare finance with Chris George, founder of Qube Health. Discover how Cube Health is revolutionizing the way healthcare payments are handled in India, making them more accessible and efficient. In a country where a significant portion of the population lacks health insurance and faces high out-of-pocket expenses, Qube Health's innovative solutions offer much-needed relief. 🔍 Episode Highlights: Origin of Cube Health: Learn about the founding vision behind Cube Health and its mission to change the healthcare payment landscape. Innovative Payment Solutions: Explore how Cube Health offers instant cashback and credit lines for healthcare expenses, simplifying the financial burden on families. Strategic Partnerships: Understand the importance of Cube Health's collaborations with the National Payments Corporation of India and healthcare providers to enhance the payment experience. Bridging Insurance Gaps: Chris discusses how Cube Health’s services complement existing health insurance policies by filling critical coverage gaps. Technology's Role: Insight into how AI and data analysis are leveraged to improve insurance products and customer experiences. Chapters: Chapters: 01:30 - Introduction and Origin Story of Qube Health 03:25 - Overview of Qube Health's Services 05:37 - The Need for Qube Health in the Healthcare Industry 07:49 - The Impact of Qube Health on Out-of-Pocket Expenditure 11:53 - Customer Journey and Experience with Qube Health 14:40 - Understanding Out-of-Pocket Expenditure in Insurance 21:13 - Coverage in Standard Health Insurance Policies 20:21 - The Role of Top-Up Policies in Healthcare Finance 23:00 - Partnerships and Business Model of Qube Health 26:00 - Impact of Emerging Technologies on Qube Health 28:36 - Conclusion and Insights from Chris George Chris's insights are not just thought-provoking but also offer practical advice and solutions for anyone facing the complexities of healthcare financing in India. Whether you are a healthcare professional, a fintech enthusiast, or just someone looking for better ways to manage healthcare expenses, this episode is for you. 👉 Don’t forget to subscribe to Fintech Ki Baat and tap the bell icon to stay updated on the latest discussions that are reshaping the landscape of finance and technology.

🚀 Welcome to a new episode of the Fintech Ki Baat podcast! Join host Shreyas Jani as he sits down with Chris George, Co-founder and CEO of  @qubehealth  to explore Chris’s diverse entrepreneurial journey. From launching an e-commerce company to pivoting to a technology-driven marketing services firm, and ultimately founding QubeHealth to tackle healthcare payments, Chris's story is filled with invaluable lessons on adaptability and vision.🔍 Episode Highlights:Entrepreneurial Path: Chris's transition from e-commerce to healthcare illustrates the agility necessary in today’s business world.Qube Health Vision: Discover how Cube Health is addressing the pressing issue of healthcare payments to improve access across the board.Skills and Planning: Insights into the essential skills for entrepreneurs and strategic planning tips for leaving a corporate job to start your own venture.Product-Market Fit: Chris shares his approach to finding a product that meets market needs effectively.Leadership Advice: Essential tips for building the right team, maintaining focus, and selecting investors that align with your vision.Chapters: 01:05 - Introduction and Entrepreneurship Journey 03:15 - From E-commerce to Marketing Services 05:51-Skills Transferability in Entrepreneurship11:44 - Strategic Planning for New Entrepreneurs15:59 - Finding and Validating Product-Market Fit 18:10 - 3 Don'ts for Budding Entrepreneurs 24:35- Closing Remarks Chris George's journey offers a roadmap for budding entrepreneurs on navigating shifts in business models, sector focus, and scaling challenges. His insights are especially valuable for anyone interested in the intersections of technology, marketing, and healthcare.👉 Don’t forget to subscribe to Fintech Ki Baat for more episodes that delve deep into the stories of innovators and leaders who are reshaping the landscape of finance and technology.

Dive into the world of Aurm, a groundbreaking company redefining the concept of security and convenience in storage solutions. Founded by Vijay of MyGate, and Ganesh Aurm introduces automated robotic lockers designed to meet the modern needs of gated communities and beyond. Join us as we explore how Aurm is transforming the traditional bank locker system with its innovative approach, providing residents with a secure place to store valuables like documents, passports, and jewellery right in their community. 🔍 Episode Highlights: Introduction to Aurm: Discover the origins and mission of Aurm in revolutionizing the concept of storage. Challenges in Traditional Systems: Understand the limitations of traditional bank lockers, including availability and cost issues. Innovative Solutions: Learn about the automated, robotic locker technology that Aurm brings to residential communities. Community Adoption: Insights into how Aurm has been embraced by residential communities for safe and convenient storage. Partnership Potential: Explore Aurm's strategy in expanding their services through partnerships with banks to offer in-branch locker facilities. Chapters: 01:58 - Introduction to Aurm and its Purpose 05:40 - Solving the Problem of Storage in Urban Clusters 09:09 - Use Cases and Early Adoption of Aurm 16:46 - Exploring Potential Use Cases for Aurm 19:14- The End-to-End Journey of Using Aurm Lockers Aurm isn't just about offering a place to store valuables—it's about integrating cutting-edge technology with daily life to enhance security and accessibility. Whether you're interested in the technology behind automated lockers or looking for a smarter way to secure your valuables, this episode offers a thorough look at what Aurm brings to the table. Subscribe to Fintech Ki Baat and stay tuned for more episodes that delve into the innovations shaping the fintech landscape.

🚀 Welcome to the first episode of Season 3 of the Fintech Ki Baat podcast! Join us as we kick off an exciting new season with Ganesh Balakrishnan, founder and CMO of AURM. In this premiere episode, Ganesh shares his extensive entrepreneurial journey, from the highs of appearing on Shark Tank to the detailed strategies of building and scaling startups. Dive deep into the challenges and triumphs of entrepreneurship and gain firsthand insights into adopting a portfolio approach and planning for strategic exits.🔍 Episode Highlights:Journey to Success: Explore Ganesh's path from conceptualizing ideas to operational success.Shark Tank Realities: Discover the lesser-known aspects of pitching in the high-stakes arena.Strategic Scaling: Learn why thinking about scale from day one can set you up for long-term success.Portfolio Approach: Understand the benefits of managing multiple ventures for broader impact.Entrepreneurial Wisdom: Ganesh's top advice for aspiring entrepreneurs looking to make their mark.Chapters:Chapters:00:51 - Introduction and Entrepreneurship Journey05:03 - Building Winsleeve and Momoe09:47 - Starting Flatheads and the Importance of Building for Scale14:32 - Brainstorming and Identifying Business Ideas16:08 - Financial Preparation for Entrepreneurship21:08 - Lessons from Building Multiple Startups28:44 - The Reality of Appearing on Shark Tank34:33 - Closing RemarksGanesh's journey is filled with actionable insights, whether you're a budding entrepreneur or a seasoned business owner looking to expand your horizons. His experiences underscore the importance of strategic planning, the value of resilience, and the potential of taking calculated risks.

Join us on "Fintech Ki Baat" as Mahesh Shukla, founder of Payme, delves into the transformative journey of Payme, a platform dedicated to reshaping lending for the underserved market. In this episode, Mahesh explains how Payme addresses the unique challenges of high customer acquisition costs and smaller loan sizes in underserved areas. He discusses the detrimental impact of informal lending practices and how digital solutions like Payme provide a more ethical and transparent alternative. Explore the innovative use of AI in digital lending, including generative and explainable AI for underwriting, and learn about Payme's proactive Credit Assist product for rejected loan applicants. Mahesh also shares his insights on the future of digital lending, highlighting the roles of AI, the Open Credit Enablement Network, and the groundbreaking potential of credit on UPI. Chapters: 00:00 - How Payme started and the critical problem it solves in financial inclusion. 01:07 - Challenges in Underserved Markets: Exploring the economic hurdles in extending credit to less affluent communities. 02:12 - Addressing the Needs of the Underserved Market 03:39 - Economic Challenges in Underserved Areas 05:10 - Analyzing Customer Acquisition Costs 06:28 - Discussing Ticket Sizes and Affordability 09:39 - Combating Exploitation in Informal Lending 11:17 - Digital Solutions to Traditional Lending Issues 12:51 - The Impact of AI on Digital Lending 18:24 - Regulatory Perspectives on AI-based Underwriting 20:35 - Enhancing Credit Access with AI for Thin File Customers 22:29 -The transformative role of AI in enhancing credit assessments and underwriting processes 25:09 - Introducing the Credit Assist Product 28:05 - The Future Landscape of Digital Lending 29:36 - The Potential of Credit on UPI 30:12 - Conclusion and Forward Look This episode is a must-watch for anyone interested in financial technology, digital lending, and the integration of AI in financial services. Subscribe to "Fintech Ki Baat" for more insightful discussions that navigate the frontiers of fintech innovation.

In this enlightening episode of "Fintech Ki Baat," join Mahesh Shukla, the visionary founder of PayMe, as he delves into the origins and growth of a platform designed to extend lending services to the underserved segments of the market. Mahesh shares his personal and professional experiences that led to the creation of PayMe, discusses the pivotal challenges faced in transforming the credit system, and how PayMe strives to bridge the financing gap. He also opens up about his transition from startup to an established entity, the personal trials during the COVID-19 pandemic, and the crucial aspects of maintaining mental health and stress management as a founder. Chapters: 00:02 - The inspiration behind starting PayMe and its mission. 03:18 - Insights into the complexities of the credit system and solutions provided by PayMe. 08:22 - T Evolution from a nascent startup to a robust company. 12:53 - Journey from a Startup to an Established Company 13:03 - Day-to-Day Life as a Founder 17:55 - Reflective Moments and Challenges Faced 21:18- Coping with significant personal and professional challenges. 23:33 - Essential takeaways for aspiring entrepreneurs focusing on impact, mental health, and sustainable growth. Whether you're an aspiring entrepreneur, a professional in the fintech industry, or simply interested in the stories behind innovative startups, this episode offers a profound look at the challenges and triumphs of building a company that aims to make a difference. Tune in to "Fintech Ki Baat" for more inspiring discussions with leaders shaping the finance future.

Step into the world of Vasanth Kamath, the innovative founder of Smallcase, on this episode of "Fintech Ki Baat." Vasanth opens up about his personal preferences and habits that shape his daily life and contribute to his success. From his favorite book to his morning routine, and how he unwinds from the intense world of fintech, Vasanth shares valuable insights into balancing life and work. Discover his love for Japan, his guilty pleasures, and the favorite quote that keeps him motivated. This episode is a unique glimpse into the life of a fintech entrepreneur beyond the boardroom. 🔍 Episode Highlights: 00:01 - Vasanth's journey and the lessons he's learned along the way. 00:29 - The book that has impacted Vasanth the most. 01:17 -How a structured morning routine primes him for success. 01:50 - Activities Vasanth engages in to disconnect from work. 02:36 -Why Japan stands out as his favourite vacation spot. 03:05 - The dedication and commitment observed in Japan. 04:52 - Vasanth'sGuilty Pleasure 06:33 - The quote that inspires Vasanth daily. 07:43 - Closing Remarks This episode not only provides a closer look at what drives Vasanth Kamath but also offers practical tips for personal and professional growth. Tune in to "Fintech Ki Baat" for more episodes that reveal the human side of leading fintech figures.

Dive into the world of innovative investing on "Fintech Ki Baat" with Vasanth Kamath, the founder of Smallcase, who sheds light on how Smallcase is revolutionizing the investment landscape. This episode details the inception and operational framework of Smallcase, differentiating it from traditional mutual funds, and emphasizing the strategic importance of asset allocation. Vasanth also addresses the nuances of investment safety, including the burgeoning field of cryptocurrencies, and discusses the broader impacts of Smallcase on the financial industry and the macroeconomy. Further insights into the barriers and catalysts for Smallcase penetration in the market, the role of AI in enhancing financial processes, and the slow yet pivotal adoption of AI in wealth tech are also explored. 🔍 Key Highlights: Origin and Functionality: Understanding Smallcase as a dynamic portfolio of stocks. Investment Strategies: The crucial differences between mutual funds and Smallcase. Asset Allocation: Why starting with the right asset allocation matters. Emerging Investment Classes: Safety and regulation in the context of cryptocurrencies. Market Impact: The potential transformative effect of Smallcase on the economy. Technology in Finance: How AI and emerging technologies are shaping the future of Smallcase and the industry at large. Chapters: 00:05 - Introduction to Smallcase and Vasanth Kamath 03:05 - Smallcase Explained as a Portfolio of Stocks 08:25 - Distinguishing Mutual Funds from Smallcase 12:50 - The Importance of Asset Allocation 19:04 - Assessing the Safety of Different Investment Classes 23:12 - Cryptocurrencies Discussed as an Investment Option 26:18 - How Smallcase Influences the Industry and Economy 31:04 - Growth Catalysts for Smallcase Penetration 34:25 - Analyzing Barriers to Higher Smallcase Penetration 35:05 - Discussing Market Depth and Investment Opportunities 36:07- The Need for Global Ambitions in Companies 37:04 - The Role of Emerging Technologies in Finance 38:14 - Implementing AI in Internal Processes 39:28 - Challenges of AI Integration in Wealth Tech 40:30 - Wrap-Up and Rapid Fire Questions Join Vasanth Kamath for a comprehensive look at how Smallcase is setting new standards in the investment world and what the future holds for this pioneering platform. Subscribe to "Fintech Ki Baat" for more in-depth discussions and insights from leaders in the fintech industry.

Welcome to "Fintech Ki Baat," where in this episode, Vasanth Kamath, Founder of  @smallcase  unfolds his entrepreneurial journey and the innovative aspirations behind building a Bloomberg for private companies. Delve into the challenges and triumphs of shaping the financial services industry, the critical role of data in wealth management, and how smallcase is leveling the playing field through technology. Vasanth discusses the immense value of user feedback, the necessity of external validation, and shares personal lessons on co-founder dynamics, trust, and communication. 🔍 Episode Insights: Innovative Vision: The ambition to transform private company data accessibility. Startup Foundation: The initial drive and decisions that led to the creation of smallcase. User-Centric Approach: The pivotal role of feedback and validation in startup development. Leadership Insights: Lessons on trust, compatibility, and effective communication among founders. Focus and Balance: Strategies to maintain vision focus and balanced decision-making. Chapters: 00:00 - Introduction and Background 02:08 - Building a Bloomberg for Private Companies 03:16 - The Entrepreneurial Drive Behind Starting Smallcase 04:57 - Choosing the Wealth Space for Smallcase 07:24 - Technology's Role in Democratizing Financial Services 09:18 - The Importance of User Feedback and External Validation 11:43 - Emphasizing External Validation 12:30 - Foundational Lessons Learned 14:19 - Staying Focused Amidst the Noise 16:16 - Balancing Passion with Pragmatic Deliberation 18:20 - Cultivating Community and Partnerships 21:49 - The Dual Edges of Trust and Skepticism 23:32 - Co-founder Compatibility and Trust 26:57 - Ensuring Effective Communication Among Founders 28:16 - Essential Advice for New Founders This episode is a must-watch for entrepreneurs, fintech professionals, and anyone interested in the intersections of technology and finance. Subscribe to "Fintech Ki Baat" for more engaging discussions that bring you closer to the heartbeat of fintech innovation.

Tune into "Fintech Ki Baat" for an exclusive deep dive with Nikhil Aggarwal, founder of  @GripInvest  as he explores the transformative world of alternative investments. In this episode, Nikhil unravels the innovative financial products reshaping investor portfolios, from the foundational ideas behind Grip Invest's unique offerings like LoanX and Leasex, to the broader impact of new age asset classes on wealth creation and the economy. 🔍 Key Highlights: Grip on Control: The origin story behind the name Grip Invest and its philosophy of empowering investors. Alternative Investments Demystified: Understanding the risk-reward dynamics and the value proposition compared to traditional investments. Innovative Products Spotlight: Deep dive into Grip's unique products, LoanX and Leasex, and how they offer diversified, attractive returns. Ensuring Safety: The role of credit rating agencies in securing democratized asset classes. Overcoming Barriers: Strategies for increasing adoption of new investment products through transparency and education. Technological Impact: How platforms like ONDC and account aggregators are set to revolutionize the financial services industry. Chapters: 00:01 - Introduction to Grip Invest 03:11 - Understanding Alternate Investment Classes 07:00- Highlighting Favorite New Age Investment Asset Classes 11:06 - Ensuring Safety in Democratized Asset Classes 13:12- Overcoming Adoption Challenges 15:00 - Demystifying the Lonex Product 16:29 - Introducing LoanX and Leasex 19:00 - Exploring the Leasex Product 22:26 - Impact of New Age Asset Classes on the Economy 26:27 - Effects on Individual Investor Strategies 30:07 - The Role of Emerging Technologies in Finance 33:57 - Predicting the Future of Financial Services Whether you're a seasoned investor looking for the next big thing or a newcomer curious about alternative investments, this episode provides a wealth of knowledge and practical insights. Subscribe to "Fintech Ki Baat" for more engaging conversations that help you stay ahead in the fast-evolving world of fintech.

Join us on this inspiring episode of "Fintech Ki Baat," where Shreyas Jani sits down with Nikhil Aggarwal, the visionary founder and CEO of Grip Invest. Nikhil shares his unique journey from navigating multiple school changes to breaking ground in finance and investment banking, leading up to his entrepreneurial venture with Grip Invest. This episode delves into the significance of diverse experiences, the relentless pursuit of building a lasting legacy, and the intricacies of customer acquisition in a B2C model. Discover Nikhil's insights on prioritizing product excellence, the art of customer effort for organic growth, selecting aligned investors, and the critical importance of mental health for founders. 🔍 Key Highlights: Varied Experiences: How diverse career paths can be a foundation for entrepreneurship. Legacy Building: The motivation to create something enduring. Product Excellence: Prioritizing great products over rapid scaling. Customer Acquisition: Strategies for the B2C model and the role of organic growth. Investor Alignment: Finding investors that share your vision and expectations. Simplification for Success: Making complex financial products understandable. Founder Well-being: The importance of managing stress and focusing on mental health. Chapters: 00:0 - Introduction and Background 06:23 - Journey From Varied Experiences to Entrepreneurship 12:21 - The Drive to Build Something That Lasts 14:51 - The Crucial Role of a Great Product 18:19 - Celebrating Key Milestones and Validation 18:26 - Emphasizing Customer Effort and Organic Growth 21:21 - The Quest for the Right Investors 23:11 - Simplifying Complex Financial Products 28:05 - The Founder's Mental Health Journey Whether you're an aspiring entrepreneur, a seasoned business owner, or simply interested in the fintech space, Nikhil's story offers valuable lessons on resilience, strategic thinking, and the essence of innovation. Subscribe to "Fintech Ki Baat" for more enlightening conversations that empower and educate the fintech community.

Join us for a captivating episode of Fintech Ki Baat featuring Shashank Randev, a distinguished VC and founder of 100xVC. From engineering to leading one of the most dynamic VC firms, Shashank shares his journey and deep insights into the venture capital industry. Don't miss these highlights: 01:25 - Discover who Shashank is and what ignited his passion for venture capital. 05:15 - The founding story of 100x VC and its mission. 09:25 - Shashank's perspective on the US economy vs. the Indian ecosystem and their similarities. 12:11 - Evaluating early-stage startups: Shashank's approach. 16:21 - Top 3 tips for early-stage founders pitching to a VC. 21:35 - The standout quality Shashank looks for in founders. 27:03 - Navigating the Indian VC landscape: Local vs. global VC approach. 32:38 - The impact of FOMO on VCs and how it influences decisions. 37:50 - Shashank's fintech focus areas for investment. 40:20 - B2B vs. B2C: Shashank's stance and strategic advice. Whether you're an aspiring entrepreneur, a startup enthusiast, or simply curious about the venture capital world, this episode offers invaluable insights directly from one of the industry's best. Dive into the discussion and unlock the secrets of successful VC engagement with Shashank Randev.

Dive into the heart of fintech investment with “Fintech Ki Baat,” where this episode, hosted by Shreyas Jani, features a riveting discussion with Osborne Saldanha, Principal at EMVC. Discover EMVC’s unique investment philosophy, the journey to becoming a VC, and Osborne’s invaluable advice for fintech startups gearing up for early-stage funding. 🔍 What You’ll Learn: • EMVC’s approach to global fintech investments, with a spotlight on financial services in India. • The essential qualities for aspiring VCs: curiosity and humility. • The impact of FOMO on VC decisions and how to navigate it. • Strategic factors influencing fintech investments in 2023. • Insights into evaluating startups without an MVP and the key metrics that matter in a pitch. • Future fintech trends: Where to place your bets in wealth product manufacturing and small business credit. Whether you’re a fintech enthusiast, an investor, or an entrepreneur, this episode is packed with foresight, strategy, and stories that enlighten and inspire. Chapters [00:00] - Introduction to funding eligibility for startups. [01:02] - Insights into regulatory risks in financial services. [01:55] - Introduction to VC Unfiltered series. [02:48] - Welcome and introduction of Mr. Osan Salana, principal at EMVC. [03:25] - EMVC's investment philosophy and focus. [05:07] - Detailed strategy on fintech and financial infrastructure investments. [07:50] - Osborn's journey to becoming a VC and advice for aspiring VCs. [09:33] - Importance of unique insights for fintech startups. [11:15] - Evaluating startups without an MVP. [12:28] - Importance of considering risk factors in business scaling. [13:40] - Predictions for key fintech investment areas over the next 5 years. [15:50] - What investors look for in founders' pitches. [17:33] - Discussion on metrics and pitfalls in startup presentations. [18:25] - Elaboration on regulatory risks and compliance. [19:10] - Navigating the regulatory landscape in fintech. [20:05] - Strategies for creating FOMO among investors. [21:22] - Influence of FOMO on investment decisions. [22:40] - Reflections on changes in the investment climate. [24:15] - Future investment landscape predictions. [25:30] - Investing in non-MVP startups and market understanding. [26:50] - Examples of successful pivots based on feedback. [28:05] - Fintech sectors poised for growth. [29:40] - Innovation in customer experience and financial inclusion. [31:20] - Final advice for fintech startups on resilience and adaptability. [32:45] - Closing advice for seeking investment and scaling. [34:10] - Summary and closing remarks from the hosts and guest. 🚀 Key Takeaways: • Unique insights and product-market fit are paramount for early-stage fintech startups. • The complex dance of investment decisions amidst market uncertainties and political landscapes. • The evolving focus areas in fintech that are promising lucrative returns in the coming years. 💡 Stay ahead of the fintech curve by subscribing to our channel and never miss an episode of “Fintech Ki Baat.” Share your thoughts, questions, or feedback in the comments below! #FintechInvestment #StartupAdvice #VCInsights #EMVC #FintechTrends #Entrepreneurship #FintechKiBaat #VentureCapital #StartupFunding #FinancialServices #Innovation

Join us as we dive into the world of supply chain finance with Ram Iyer, the visionary founder of Vayana Network, India's leading supply chain finance company. Discover the inspiration behind the name 'Vayana' and explore the intricacies of supply chains as vital living organisms. Key Highlights: 01:25- The Origin of 'Vayana': Ram Iyer shares the unique story behind the name 'Vayana' and his perspective on supply chains as comprehensive, living systems. 15:25- Unraveling Supply Chain Processes: A detailed explanation of the supply chain process, shedding light on its complexity and importance in today's economy. 23:20 -The Journey of an Invoice: An insightful look into the lifecycle of an invoice within the supply chain financing ecosystem. 29:21-Authenticating Invoices: Ram discusses the mechanisms in place for verifying the authenticity of invoices, a critical step in supply chain finance. 32:20- Blockchain's Impact: Iyer's take on how blockchain technology can transform supply chain finance, enhancing transparency and security. 36:48 -AI in Underwriting: Exploring the relevance of AI technology in the underwriting process and its potential to revolutionize supply chain financing. Conclusion: Dive deeper into the fascinating world of supply chain finance with Ram Iyer and discover how Vayana Network is leading the charge in innovation. Don't miss out on this insightful episode for a comprehensive understanding of the future of finance.

Today, we're diving into the world of investing with Vasanth Kamath, the visionary founder of smallcase. He's here to break down the complex concept of asset allocation into bite-sized pieces, so even a 5-year-old can understand. Stay tuned to master the art of smart investing! Vasanth engages the audience with a simple, interactive example to help viewers visualize how asset allocation works in real life, encouraging them to think about how they would divide their own "investment cake."