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In this episode of India FinTech Diaries, we venture beyond our usual focus on Indian FinTech to look at Indian Fintech with a Latin American lens. We are joined by special guests Julio Vasconcellos and Ana Martins from Atlantico, who share their impressions of Indian Fintech and how it contrasts with the Fintech ecosystem of Latin America. Here’s what we talked about:
🔥 The Indian Entrepreneurial Spirit and Global Ambition
💸 The Concept of the ‘Business of Free’ in India
🪙 Regulatory Evolution and Its Impact on FinTech
🌎 Fintech in Brazil and Latin America
🧭Cultural and Social Parallels Between India and Brazil
This episode provides a unique look at the Indian and Latin American FinTech ecosystems, highlighting the lessons they can learn from each other. Tune in to hear more about the future trends in FinTech and how these regions are poised to lead the next wave of global innovation.
Contact Ana
LinkedIn: https://www.linkedin.com/in/anaclaramartinsg/ X: https://x.com/martinsg_anaContact Julio
LinkedIn: https://www.linkedin.com/in/juliovasconcellos/ X: https://x.com/JulioVContact Atlantico
LinkedIn: https://www.linkedin.com/company/atlanticopartners/ X: https://x.com/AtlanticoPart Website: https://www.atlantico.vc/ Latin America Digital Transformation Report 2024: https://www.atlantico.vc/latin-america-digital-transformation-report-2024 -
As India’s e-commerce landscape continues to boom, ranking 9th in global cross-border growth, companies are increasingly looking for ways to streamline international payments.In this episode we dive into the dynamic world of cross-border e-commerce payments with Reeju Datta, co-founder of Cashfree. Reeju offers a behind-the-scenes look at how Cashfree has been a game-changer in this space, helping Indian businesses expand globally without the hassle of setting up shop abroad. From discussing the innovative beginnings of Cashfree—designed to reduce the reliance on cash-on-delivery—to explaining the complexities of Payment Aggregator Cross-Border (PACB) licences, Reeju shares insights that will fascinate both FinTech enthusiasts and business leaders. In this episode we discuss:
💸 Cashfree’s origin story
💰Cross-Border E-Commerce Payments
⚙️ Payment Aggregator Cross-Border (PACB) Licence
🌍 Innovations in Cross-Border Payments
Listen now to discover how cross-border payments are evolving, and how Cashfree is leading the charge in making global transactions smoother and more efficient for Indian businesses.
Contact Reeju
LinkedIn: https://www.linkedin.com/in/reejudatta/Contact Cashfree
LinkedIn: https://www.linkedin.com/company/cashfree/ X: https://twitter.com/gocashfree Website: https://www.cashfree.com/ -
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UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, President of Banking at Zeta India, to delve deeper into this game-changing innovation and its impact on the future of digital payments. In this episode, we explore:
💸 Credit Line on UPI: What it is and how it could unlock a $1 trillion opportunity by 2030.
💰Why banks, with their vast customer base and lower cost of funds, have the edge over fintechs in offering credit lines on UPI.
⚙️ Insights into the tech hurdles banks face in adopting credit lines on UPI
🗺️ How Zeta is leading the charge in solving these challenges with their innovative solutions
Make sure to listen to the full episode for a deeper dive into these topics!
Contact Sivaram Kowta
LinkedIn: https://www.linkedin.com/in/sivaramkowta/Download Chak De India - Democratizing Credit With Credit Line On UPI: https://www.zeta.tech/in/white-paper-on-credit-line-on-upi-opportunity-for-banks
Contact Deepak Kumar
LinkedIn: https://www.linkedin.com/in/linkdk/Contact Zeta
LinkedIn: https://www.linkedin.com/company/zetasuite/ X: https://x.com/zetasuite Website: https://www.zeta.tech/in/ Email: sales [at] zeta [dot] tech -
It has been about a year since the Credit Line on UPI was announced. We caught up with Gaurav Mittal, CEO and co-founder of Vegapay, to understand what has happened in this space in the year gone by and what are some of the technology considerations for launching such a successful product. In the episode we discussed:
💸 Credit Lines and the role of third party apps
⚙️ Tech stack and regulations
💰 Opportunities for banks
🗺️ Vegapay’s role in the ecosystem
Listen to this first episode in our series on Credit Line on UPI
Contact Gaurav
LinkedIn: https://www.linkedin.com/in/gaurav-mittal-8084349/
Contact Vegapay
LinkedIn: https://www.linkedin.com/company/vegapay/
Website: https://vegapay.tech/
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In this special episode of India Fintech Diaries, we celebrate National Fintech Day with a deep dive into the role of fintechs in supporting MSMEs, the backbone of India's economy. Our guests, Kumar Shekhar, Deputy Country Manager of Tide India, and Sundeep Mohindru, CEO,Promoter and Director of M1xchange, share their insights on the challenges and opportunities faced by MSMEs in accessing banking and lending services. We explore the innovative solutions fintechs are providing to close the financing gap, the evolving role of government policy, and how these digital platforms are reshaping the future of MSME financing in India. In this episode we discuss:
🏭 MSMEs and their Impact on the Economy
⚙️ Challenges in MSME Banking and solutions
💰 The Role of Fintechs in MSME Financing
📬 Types of MSME Lending Products
🗺️ The Future of MSME Financing
Listen to this episode for insights on how fintech is making an impact in finance
Contact Kumar Shekhar
LinkedIn: https://www.linkedin.com/in/kumar-shekhar-8b064845/ Email: kumar [dot] shekhar [at] tide [dot] coContact Sundeep Monhindru
LinkedIn: https://www.linkedin.com/in/sundeep-mohindru-838a29/ Email: sundeep [dot] mohindru [at] m1xchange [dot] com -
In our next episode on AI, we spoke with Ankit Ratan, Co-Founder Signzy. Ankit helped us understand and answer the important question of how GenAI is helping banks with compliance and regulators with monitoring compliance. In our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ SupeTech and GenAI
🔑 Key considerations for navigating compliance & AI
💡 Signzy and AI
Listen to this episode for insights on the intersection of GenAI and compliance
Contact Ankit
LinkedIn: https://www.linkedin.com/in/ankitratan/ Email: ankit [at] signzy [dot] comContact Signzy
LinkedIn: https://in.linkedin.com/company/teamsignzy Twitter: https://twitter.com/TeamSignzy Website: https://www.signzy.com/ -
In our latest episode on AI, we spoke with Anant Gupta, FSI Head, Google Cloud India to better understand how AI use cases are implemented on the cloud and how financial services firms could leverage the cloud to bring AI use cases to life. During our conversation we discussed:
🤖 GenAI and Financial services use cases in India
⚙️ Implementing AI use cases on Google Cloud
🔑 Key considerations for implementing AI
💡 Parting thoughts on evolution of AI use cases in India
Listen to this episode for perspectives on how GenAI is changing financial services in India
Contact Anant
LinkedIn: https://www.linkedin.com/in/agupta78/ Email: ganant [at] google [dot] com -
Generative AI is rapidly transforming many industries across the globe and financial services is one of them. To better understand the impact of GenAI and AI in general on the financial services space, our next few episodes will be focused on speaking to companies and leaders in this space. To begin unpacking this topic we spoke with Raoul Nanavati, Co-founder & CEO, Navana. Navana.ai empowers businesses to create user-friendly digital interfaces for the next billion and is actively working with financial services firms to help them interact with their customers in regional languages. During our conversation we discussed:
🗺️ Raoul’s journey to starting Navana
🫰 Understanding LLMs
💡 Cracking the difficult problem of voice LLMs for Indic languages
🧰 Product overview, traction and technology
💰 Business model of Navana
🧭 2024 for Navana
Listen to this episode for perspectives on how GenAI is changing financial services in India
Contact Navana
Website: https://navana.ai/ LinkedIn: https://www.linkedin.com/company/navanatech/ Email: raoul [at] navanatech [dot] in Navana LLM model benchmark: https://bit.ly/49hL47d -
Did you know that 95% of women did not access any financial platform? To understand what are some of the barriers to financial product adoption among women and how fintechs can help solve this, we thought that it would be a timely topic to deep dive into on International Women’s day. To help us unpack this topic we spoke with Ridhi Doongursee, Co-founder LXME. During our conversation we discussed:
🗺️ Ridhi’s journey to starting LXME
🫰 Challenges for financial adoption
💡 How LXME is solving adoption challenges
🧰 Product overview, traction and technology
💰 Business model of LXME
🧭 2024 for LXME
Listen to this episode for perspectives on WealthTech in 2024
Contact LXME
Website: https://lxme.in/ LinkedIn: https://www.linkedin.com/company/lxme/ X: https://twitter.com/lxmeofficial Instagram: https://www.instagram.com/lxmeofficial Download LXME - App Store: https://apple.co/433U7XO Download LXME - Play Store: https://bit.ly/3T8I0UP -
This Friday is International Women’s Day, and we thought that in our next episode in the DLAI Fintech Podcast Series, we would discuss the important issue of the credit gap between genders and how we can bridge it. To shed more light on the issue and provide insights on solutions, we spoke with Puneet Gupta, Co-Founder of Kaleidofin. We discussed:
💸 Why do rural women not have access to affordable Finance?
🌏 Solutions seen Internationally and parallels to India
🏦 MFIs and credit access
💹 How Impact Investing can make a difference
⚖️ Imperatives for stakeholders
Join us for this this episode on the eve of the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/ DLAI Fintech Conclave 2024: https://conclave.dlai.in/ LinkedIn: https://www.linkedin.com/company/dlai/ X: https://twitter.com/dlai_india -
In Sep 2022, the RBI announced the Digital Lending Guidelines which had a profound impact on the digital lending landscape in India. Now over one year later we unbox what this has meant for the ecosystem with our special guest Sanjay Khan Nagra, Partner, Khaitan & Co. In the episode we discussed:
🏛️ Recap of the Digital Lending Guidelines
📜 Impact on default guarantees
💸 Impact on BNPL
🛒 Impact on Payment Aggregators
🛡️Impact on disclosures and data privacy
Join us for this timely conversation as we count down to the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/
DLAI Fintech Conclave 2024: https://conclave.dlai.in/
LinkedIn: https://www.linkedin.com/company/dlai/
X: https://twitter.com/dlai_india -
In our next episode in the DLAI Fintech Conclave 2024 podcast series, we examine Artificial Intelligence and how it's powering new and old use cases in financial services. To unpack this, we were joined by Anuj Kacker, Co-Founder of Freo and Neeraj Gupta, Managing Director of Branch International. We discussed:
Use cases of AI in Financial Services Challenges faced by AI in adoption Way ahead for AI AdoptionJoin us for this discussion on how cutting edge technology is influencing financial service as we count down to the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/ DLAI Fintech Conclave 2024: https://conclave.dlai.in/ LinkedIn: https://www.linkedin.com/company/dlai/ X: https://twitter.com/dlai_india -
We are back with a special podcast series in collaboration with the DLAI Fintech Conclave 2024. In the first episode in the series we caught up with Jatinder Handoo, CEO of DLAI on the recently announced framework for Self Regulatory Organizations (SRO) and its implications for Fintechs. We discussed:
What is an SRO? Salient features of the SRO framework Benefits for the Fintech ecosystemJoin us for this timely conversation as we count down to the DLAI Fintech Conclave 2024
Contact DLAI
Website: https://www.dlai.in/ DLAI Fintech Conclave 2024: https://conclave.dlai.in/ LinkedIn: https://www.linkedin.com/company/dlai/ X: https://twitter.com/dlai_india -
In the last few years the entire landscape of retail investing in India has changed. From being able to invest in stocks at the click of a button to opening an FD digitally to being able to invest in new avenues like invoice factoring, P2P lending, alternative assets etc. the Indian retail investor has come a long way. We spoke with Satyen on what’s changed in the investing landscape and how Cube Wealth is providing a platform that integrates a lot of these trends. During our conversation we discussed:
🗺️ Satyen’s journey from Silicon Valley to Fintech in India
🫰 The generational shift in investing behaviour in India
💡 The problem statement that Cube Wealth addresses
🧰 Product overview, traction and technology
💰 Business model of Cube Wealth
🧭 How Cube Wealth approaches roadmaps
Listen to this episode for perspectives on WealthTech in 2024
Contact Cube Wealth
Website: https://www.bankoncube.com/ LinkedIn: https://www.linkedin.com/company/cube-consumer-services-pvt-ltd/ X: https://twitter.com/BankOnCube Play Store: https://bankoncube.app.link/SU6Pk4HLfdb App Store: https://bankoncube.app.link/7snGi5ULfdb -
After an absolutely interesting 2023, we were wondering what's in store for 2024? To answer that question we spoke with Jatinder Handoo - CEO of the Digital Lenders Association of India, Dhirendra Mahyavanshi - Co-founder of Turtlemint, Rajesh Mirjankar - MD & CEO at Kiya.ai and Satyen Kothari - Founder and CEO of Cube Wealth. We spoke with them about:
💸 Digital lending
📒 InsurTech
⚙️ Banking Technology
💰 WealthTech
Listen to this episode for perspectives on where Fintech is headed to in 2024!!!
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2023 was indeed a roller-coaster year for Fintech in India, with several interesting developments across the entire spectrum of Fintech Subsectors in India. To recap the most interesting and important developments of the year we caught up with Navin Surya, Fintech Thought Leader, Mentor and Investor. We spoke with Navin about:
💰 Fintech Funding in 2023
💸 Digital lending in 2023
📒 Changing fintech models
⚙️ Account Aggregators & ONDC
🏦 RBI & Fintech regulation
💡 Fintech models to watchout for in 2024
Contact Navin
LinkedIn : https://www.linkedin.com/in/naveensurya/ -
Last week the SENSEX breached the historic 70,000 mark. This week was a different story, with the market displaying high volatility and even losing 931 pts on 19 Dec. With this amount of volatility, what avenues are available for investors seeking more steady and sedate returns? To discuss this we caught up with Saurabh Jain, Co-founder of Stable Money. During the podcast we discussed:
💡 The problem that Stable Money Solves
⚙️ How it works
📒 Product, Customers, Technology and traction
💰 Revenue model
🚩 Future roadmap
Contact Saurabh
LinkedIn: https://www.linkedin.com/in/saurabhjain1099/ X: https://twitter.com/saurabhjain1099Contact Stable Money
Website: https://stablemoney.in/ LinkedIn: https://www.linkedin.com/company/stable-money/ X: https://twitter.com/StableMoney_ Instagram: https://www.instagram.com/stable_money_official/Try Stable Money
Play Store: https://play.google.com/store/apps/details?id=in.stablemoney.app App Store: https://apps.apple.com/in/app/stable-money-earn-9-10-on-fd/id1663244497 -
Last month, during the monetary policy announcement, the Reserve Bank of India (RBI) Governor Shaktikanta Das indicated that the RBI would issue an Omnibus framework for Self Regulatory Organizations or SROs. But what exactly are SROs? And how can they change the way Fintech is regulated in India? To understand this and more we spoke with Shivashish Chatterjee, Co-founder DMI Finance and Jatinder Handoo, CEO , Digital Lenders Association of India. We spoke with them about:
⚖️ What is a SRO and why do we need one?
🌏 Global examples of SROs
📒 Expectations from the Omnibus framework
⚙️ Can SROs really work?
🚩 Challenges to adoption
Contact Shivashish Chatterjee
Website: https://www.dmifinance.in/ LinkedIn: https://www.linkedin.com/in/shivashish-chatterjee-51a6a57/ X: https://twitter.com/DMIFinanceContact Jatinder Handoo
Website: https://www.dlai.in/ LinkedIn: https://www.linkedin.com/in/jatinderhandoo/ X: https://twitter.com/dlai_india -
According to the IMF, India is on track to achieve the milestone of becoming a $5 trillion economy by 2027. As India pursues this ambitious growth trajectory, ensuring equitable development and prioritizing financial inclusion is crucial. To gain deeper insights into the driving forces behind India's financial inclusion agenda, we recently had the opportunity to speak with Anand Kumar Bajaj, the Founder, Managing Director, and CEO of PayNearby, in our latest episode. We spoke with Anand about:
🎬 Genesis of PayNearby
💰 Size of the Financial Inclusion opportunity
🤝🏾 The BC ecosystem
👩🏽 Women and Financial Inclusion
🏆 PayNearby’s success thus far
Contact PayNearby
Website: https://paynearby.in/ LinkedIn: https://www.linkedin.com/company/paynearby/ Facebook: https://www.facebook.com/PayNearby/ X: https://twitter.com/PayNearby YouTube: https://www.youtube.com/c/PayNearby Email: enterpriseteam [at] paynearby [dot] in -
As digital payments have expanded across India, increasing penetration of payment acceptance across India has become all the more important. To discuss the current state of the payment acceptance landscape and how acquirers can continue to be relevant, we caught up with Ketan Patel, Co-founder and CEO of Mswipe. We spoke to Ketan about:
💸 The current state of acquiring landscape in India
📈 Products, growth and traction of Mswipe
🛤️ Road ahead for Mswipe
Contact mSwipe
Website: https://www.mswipe.com/ LinkedIn: https://www.linkedin.com/company/mswipe/ X: https://twitter.com/Mswipe Email:ketan [dot] patel [at] mswipe [dot] com - Se mer
