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The India FinTech Diaries

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 Fint ...
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In our next episode on AI, we spoke with Ankit Ratan, Co-Founder Signzy. Ankit helped us understand and answer the important question of how GenAI is helping banks with compliance and regulators with monitoring compliance. In our conversation we discussed: 🤖 GenAI and Financial services use cases in India ⚙️ SupeTech and GenAI 🔑 Key considerations …
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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 us…
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Generative AI is rapidly transforming many industries across the globe and financial services is one of them. To better understand the impact of GenAI and AI in general on the financial services space, our next few episodes will be focused on speaking to companies and leaders in this space. To begin unpacking this topic we spoke with Raoul Nanavati…
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Did you know that 95% of women did not access any financial platform? To understand what are some of the barriers to financial product adoption among women and how fintechs can help solve this, we thought that it would be a timely topic to deep dive into on International Women’s day. To help us unpack this topic we spoke with Ridhi Doongursee, Co-f…
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This Friday is International Women’s Day, and we thought that in our next episode in the DLAI Fintech Podcast Series, we would discuss the important issue of the credit gap between genders and how we can bridge it. To shed more light on the issue and provide insights on solutions, we spoke with Puneet Gupta, Co-Founder of Kaleidofin. We discussed: …
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In Sep 2022, the RBI announced the Digital Lending Guidelines which had a profound impact on the digital lending landscape in India. Now over one year later we unbox what this has meant for the ecosystem with our special guest Sanjay Khan Nagra, Partner, Khaitan & Co. In the episode we discussed:🏛️ Recap of the Digital Lending Guidelines📜 Impact on…
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In our next episode in the DLAI Fintech Conclave 2024 podcast series, we examine Artificial Intelligence and how it's powering new and old use cases in financial services. To unpack this, we were joined by Anuj Kacker, Co-Founder of Freo and Neeraj Gupta, Managing Director of Branch International. We discussed: Use cases of AI in Financial Services…
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We are back with a special podcast series in collaboration with the DLAI Fintech Conclave 2024. In the first episode in the series we caught up with Jatinder Handoo, CEO of DLAI on the recently announced framework for Self Regulatory Organizations (SRO) and its implications for Fintechs. We discussed: What is an SRO? Salient features of the SRO fra…
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In the last few years the entire landscape of retail investing in India has changed. From being able to invest in stocks at the click of a button to opening an FD digitally to being able to invest in new avenues like invoice factoring, P2P lending, alternative assets etc. the Indian retail investor has come a long way. We spoke with Satyen on what’…
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After an absolutely interesting 2023, we were wondering what's in store for 2024? To answer that question we spoke with Jatinder Handoo - CEO of the Digital Lenders Association of India, Dhirendra Mahyavanshi - Co-founder of Turtlemint, Rajesh Mirjankar - MD & CEO at Kiya.ai and Satyen Kothari - Founder and CEO of Cube Wealth. We spoke with them ab…
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2023 was indeed a roller-coaster year for Fintech in India, with several interesting developments across the entire spectrum of Fintech Subsectors in India. To recap the most interesting and important developments of the year we caught up with Navin Surya, Fintech Thought Leader, Mentor and Investor. We spoke with Navin about: 💰 Fintech Funding in …
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Last week the SENSEX breached the historic 70,000 mark. This week was a different story, with the market displaying high volatility and even losing 931 pts on 19 Dec. With this amount of volatility, what avenues are available for investors seeking more steady and sedate returns? To discuss this we caught up with Saurabh Jain, Co-founder of Stable M…
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Last month, during the monetary policy announcement, the Reserve Bank of India (RBI) Governor Shaktikanta Das indicated that the RBI would issue an Omnibus framework for Self Regulatory Organizations or SROs. But what exactly are SROs? And how can they change the way Fintech is regulated in India? To understand this and more we spoke with Shivashis…
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According to the IMF, India is on track to achieve the milestone of becoming a $5 trillion economy by 2027. As India pursues this ambitious growth trajectory, ensuring equitable development and prioritizing financial inclusion is crucial. To gain deeper insights into the driving forces behind India's financial inclusion agenda, we recently had the …
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As digital payments have expanded across India, increasing penetration of payment acceptance across India has become all the more important. To discuss the current state of the payment acceptance landscape and how acquirers can continue to be relevant, we caught up with Ketan Patel, Co-founder and CEO of Mswipe. We spoke to Ketan about: 💸 The curre…
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Today India has probably an addressable market of $10Bn+ for transit payments, but still a significant amount of Transit payments are in cash. But what if this could change? How would this impact the lives of millions of daily commuters in India? We caught up with P.T. Suresh, Founder, PayCraft to answer these questions and understand the evolution…
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P2P lending is emerging as an asset class as investors try and diversify their portfolios. But what goes on behind the scenes at a P2P lender? And how can P2P lending be a force for good? Join us in our latest episode as we speak with Neha Juneja, Co-founder and CEO of IndiaP2P to learn more about this fascinating facet of lending. In our discussio…
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Credit is about to witness a groundbreaking disruption, and we're at the forefront of it. In our latest episode, we unveil how Credit on UPI is set to revolutionise the Credit card industry in India. 💳 Join us for this game-changing conversation with our special guest, Mohit Bedi, Co-founder of Kiwi, as he shares invaluable insights into this innov…
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Join us for an insightful journey into niche lending and lending adjacent products in the next episode in the series! This time, we're delving deep into the intersection of investing and invoice discounting. We caught up with Deepak Naragund to better understand how UpCap is taking a fresh take on Invoice discounting. In our discussion we cover : ❓…
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Join us for an insightful journey into niche lending and lending adjacent products in our second episode! 📚 This time, we're delving deep into the fascinating world of Trade Receivables discounting. 💼 We had the privilege of sitting down with Lakshmi Ravindran, COO of Invoicemart, who shares valuable insights on what TReDS is and the problems it so…
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We are kick starting a new series that looks at lending products that are laser focused on specific niches. In this series, we zoom in on niche lending products that are transforming the way Indians access mobility. Our first guest is Sumit Chhazed, Co-founder and CEO of OTO Capital, a fintech startup that offers innovative two wheeler financing so…
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In this episode we welcome back B.G.Mahesh, Co-founder & CEO at Sahamati. We have a candid discussion with Mahesh on how the rollout and traction of AA has been over the last few years and get a sneak peek into SamvAAd, India’s first AA conference. In the episode we discuss: 🚀 Traction of AA so far 💬 Feedback from Stakeholders 💰 Emerging innovative…
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Welcome to the latest episode of our ONDC series! This week, we're diving into the world of Seller Apps and their potential to drive economic growth in India. To gain a deeper understanding, we spoke with Medarisha Lyngdoh, Co-founder and COO - eSamudaay and Ravinder Singh Mahori, Co-founder and CTO - eSamudaay. In a free-wheeling discussion on the…
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Welcome to the latest episode of our ONDC series! This week, we're diving into the exciting world of Buyer Apps and their potential to drive economic growth in India. To gain a deeper understanding, we had the pleasure of speaking with Sanjeev Kumar, the Co-Founder, ED & CEO at Spice Money. In this insightful conversation, Sanjeev shared his perspe…
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In our latest episode, we delve into the world of digital commerce and explore the Open Network for Digital Commerce (ONDC), a revolutionary concept that has the potential to transform the ecommerce landscape in India. Our guest, Susmit Patodia, Director at Antler India, provides expert insights on the disruptive power of ONDC and its implications …
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In our final episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Presha Paragash, CEO of Credit Saison India. Presha had a candid conversation with us on: What’s exciting about India as a market for Digital Lending Key highlights from the Fintech Conclav…
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Data protection and privacy are the forefront with the recent guidelines on digital lending from the RBI and impending Digital Data Protection Bill. To help understand this crucial area better, in our fourth episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up…
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In our third episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Anurag Jain, Founder of KredX and Executive Committee Member, DLAI, We discussed: What integrated or embedded finance means Use cases and value pools for integrated finance The role played …
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In our second episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we discussed the very important topic of financial inclusion and what it means for both consumers and small businesses. We caught up with Sucharita Mukherhjee, Co-founder and CEO, Kaleidofin and Manish Luni…
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We are kicking off 2023 with a special series collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the DLAI Fintech Conclave 2023. In the first episode in the series we caught up with Sashank Rishyasringa, co-founder of axio and President of DLAI on what’s in store for digital lending in 2023. We discussed: What hap…
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This year has been a roller coaster ride for Indian Fintech. Join us as we take a look back at the Year that was with our special guest, Osborne Saldanha from EMVC. In the episode we discuss: Funding and the funding environment Regulatory changes in the year M & A, new fintech ideas and the macro environment Our views on what 2023 holds for Indian …
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Over the last five years UPI has revolutionised how Indians pay digitally. Last month, UPI actually crossed 7 billion transactions in a single month !!! This week we have Anup Nayar, CEO - Domestic, In-Solutions Global to discuss the meteoric rise of UPI and how firms like In-Solutions Global (ISG) are playing a key role in that journey. In our con…
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Continuing in our series on Fintech Investing we caught up with Melissa Frakman, CEO & Founding Partner of Emphasis Ventures. In this episode with Melissa, we discuss : Melissa’s background and long standing links with India Her views on the evolution of Indian Fintech Interesting comparison & contracts with US Fintech Her approach to early stage v…
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A lot changed in the Indian Fintech world as new regulations were introduced by the RBI in the past few months. To decode the impact of these changes and understand the way forward, we caught up with Mathew Chacko, Partner - Spice Route Legal. In our conversation with him we discuss : Impact of regulations on various models like PPI, BNPL, Digital …
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What’s happening in the world of Fintech Investing? How are venture capitalists approaching investments in these turbulent times? Are they still gung-ho on India? To answer this and more, we caught up with Sandeep Patil, Partner and Head of Asia at QED Investors. In our discussion, we spoke about: Funding Landscape in India Impact of regulations QE…
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Continuing in our series on cross-border payments, Hemant and Elroy caught up with Pratik Gandhi, Co-founder and COO, NIUM. NIUM provides a modern, modular platform for global business payments. With a payment network that spans over 190+ countries, NIUM is Asia’s first B2B payments unicorn. In our conversation with Pratik we discussed: Market land…
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With international travel gradually normalising, cross-border payments are back. In this quick introductory episode Hemant and Elroy lay out the overall contours of cross-border payments in India. During the episode they discuss: The scope and scale of cross-border payments Regulatory aspects of cross-border payments Types of Fintechs operating in …
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While consumer insurance has seen a renaissance, with a plethora of Fintechs looking to simplify all aspects of the insurance journey, business insurance still remains poorly understood. We caught up with Ravinder Kumar, Founder & CEO, Justt to discuss how Justt is demystifying business liability insurance in India. In our conversation we discussed…
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Let’s face it, Insurance claims are a nightmare !!! But what if claiming Insurance could be as easy as Pie? Well, a number of Fintechs around the globe are solving exactly this problem. We caught up with Anuj Jindal, Co-Founder & CEO, SureClaim to discuss how SureClaim is streamlining the claims process for Health Insurance in India. In our convers…
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InsurTech in India has seen an explosion with over 110+ InsurTech startups operating in India in recent years. But what exactly is InsurTech? Well, over the next few episodes we will aim to answer just that question by looking at interesting Fintechs in this space. But to kickstart the series on InsurTech, we thought we would take you on a quick bi…
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Before the advent of tech enabled investing, we used to rely on investment advisors to help choose and get access to wealth generating investment opportunities. But what if we could get the best of both worlds - tech enabled investing with a human touch? We caught up with Aditya Agarwal, founder of Wealthy to discuss how Wealthy is using technology…
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Shark Tank India brought investing in startups to the mainstream conversation in India. If you ever wondered how a platform can help in startup investing, look no further!! In our next episode in the WealthTech series we speak with Karan Mehra, CEO and founder of Tyke, a firm that is looking to disrupt private investing in India : Challenges faced …
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Thematic investing or investing in a basket of stocks helps diversify investments, providing more stable returns while reducing risk. This week in our ongoing exploration of WealthTech in India, we are joined by Vasanth Kamath, CEO & co-founder, smallcase. In the episode we discuss: Hypothesis behind smallcase Introduction to smallcase’s propositio…
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How can you invest in assets or investment opportunities other than gold, equities and mutual funds ? Is there a simple way to do this? Well, this week we try to answer that question as we look at Fintechs solving the problem of alternative asset investment. To learn more about this, we caught up with Nikhil Aggarwal, Founder & CEO of Grip, a Finte…
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Continuing in our series on WealthTech, we remain focused on investment platforms. This week we look at how wealth management is evolving in the fintech space. To discuss this we caught up with Subramanya SV, Co-founder & CEO of Fisdom. Fisdom is leveraging cutting edge technology to provide personalized financial advice. In our conversation we spo…
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As we kick start 2022, we are sure most of you must be busy submitting investment proofs in the run-up to the end of the Indian financial year. So we thought it would be a great idea to segue into our first theme for 2022 - WealthTech. Over the next few episodes, we will speak with a number of prominent firms in the WealthTech space in India to und…
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E-commerce is booming in India. In spite of the pandemic, e-commerce added 20 million new shoppers in 2020. However, analysts estimate that this number will likely double this year. As more and more shoppers come online, what role does smooth and frictionless payment play in driving e-commerce growth? To discuss this and more we caught up with Vika…
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This week we look at how Digital Asset Exchanges work and try and understand what has been the uptake of crypto in India. And to shed more light on this we caught up with Ashish Singhal, Founder and CEO of Coinswitch Kuber, one of India’s largest Digital Asset Exchanges. We discussed: His entry into the world of Crypto Types of Digital Asset Exchan…
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Continuing in our exploration of Crypto, we caught up with Tarusha Mittal, COO and Co-founder, Oropocket. Oropocket is bringing DeFi use cases to the Indian mainstream and we thought it would be great to get a view on how they make this happen. In the episode we discuss What is DeFi Use cases of DeFi Revenue models Adoption in India Oropocket’s pro…
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If Crypto is everywhere, Decentralized Finance or DeFi is positively exploding. So what exactly is DeFi? To answer this question we invited some answers from our listeners and tried to get a better view of the subject by speaking with some experts and practitioners. We caught up with Paul Brody - Global Blockchain Leader at EY, Rohas Nagpal - Chief…
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