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Content provided by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ro.player.fm/legal.
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The India FinTech Diaries
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Content provided by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ro.player.fm/legal.
India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!
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90 episoade
Marcați toate (ne)redate ...
Manage series 2949270
Content provided by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Hemant Kshirsagar & Elroy Serrao, Hemant Kshirsagar, and Elroy Serrao or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://ro.player.fm/legal.
India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!
…
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90 episoade
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The India FinTech Diaries
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1 EP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit Bharat 31:18
31:18
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In the second episode in the DLAI Fintech Conclave 2025 podcast series, we are joined by Pallavi Shrivastava, co-founder of Progcap, to explore the critical role of MSMEs (Micro, Small, and Medium Enterprises) in driving India's economic growth. As India sets its sights on achieving Viksit Bharat—a vision of a developed India—MSMEs are positioned as a key driver of this transformation. However, access to finance and digitization remain significant challenges for many small businesses. Pallavi shares her expert perspective on how fintech innovation is bridging these gaps, empowering MSMEs with much-needed access to formal credit and digitization solutions. The episode delves into the recent budget announcements aimed at boosting MSMEs, fintech innovations reshaping access to finance, and the challenges faced by small businesses in adopting new technology. This episode offers a comprehensive look at the future of MSMEs and how they are central to the Viksit Bharat vision. Key Highlights: 💡 The role of MSMEs in India's Viksit Bharat vision 📊 Recent budget initiatives for MSMEs 💻 How fintech is transforming access to finance for small businesses ⚡ The challenges of rapid growth and digitization 🔮 The future outlook for MSMEs in India Tune in for a detailed conversation on the future of MSMEs and their impact on India's economic landscape! Contact DLAI Website : https://www.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ Twitter : https://twitter.com/dlai_india…
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The India FinTech Diaries
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1 EP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer Finance 40:39
40:39
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Carrying on with the tradition of episodes with DLAI, this year we tried something different and worked on recording episodes after their Annual Fintech Conclave. In the first episode in this series, we explore the dynamic shifts in consumer finance with Anuj Kacker, co-founder of Freo. Anuj shares his perspective on how the fintech industry has evolved in the last five years, from post-pandemic recovery to the increasing importance of financial inclusion and managing risks. We covered the following with Anuj: 💡 Post-Pandemic Growth 📈 Demand Shifts 🔍 Risk Management in lending 🚀 The Future of Finance Tune in to this episode to hear more about the future of consumer finance and the role fintech will play! Contact DLAI Website : https://www.dlai.in/ LinkedIn : https://www.linkedin.com/company/dlai/ X : https://twitter.com/dlai_india…
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1 EP075 - Transit Payments - In conversation with Manoj Sugathan 41:56
41:56
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In our first episode of 2025, we dive into the world of open-loop transit payments with payments industry veteran, Manoj Sugathan. With over 30 years of experience, Manoj has played a pivotal role in driving contactless payment solutions across the Asia-Pacific region. We explore the future of public transportation payments and how open-loop systems are revolutionizing the way commuters travel globally. Key Highlights: 🔄 Closed-loop vs. Open-loop Systems : Manoj explains the difference between transit-exclusive payment cards and open-loop systems that allow you to use your everyday contactless cards or mobile wallets to pay for public transport. 🌍 Global Adoption : Open-loop transit payments have been successfully implemented in cities like Singapore, London, and New York, with more than 900 programs worldwide. 🚇 India’s Opportunity : As India rapidly expands its metro networks, the country is uniquely positioned to implement open-loop systems from day one, offering seamless travel across cities with just one contactless card. Tune in to the full episode to learn more about the future of transit payments and how it can transform the commuting experience! Contact Manoj LinkedIn : https://www.linkedin.com/in/manojsugathan/ X : https://x.com/masug…
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The India FinTech Diaries
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1 EP074 - 2024 Retrospective - In conversation with Neha Singh, Co-Founder, Tracxn 30:50
30:50
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In this special end-of-the-year episode of, we sit down with Neha Singh, co-founder of Tracxn, to discuss the major funding trends that shaped the fintech landscape in 2024 and what lies ahead for 2025. Tracxn, one of the leading data intelligence platforms for private market research, tracks over 3.3 million entities across industries globally. With such a vast pool of data, Neha provides invaluable insights into the current state of fintech funding and the future of this rapidly evolving industry. In conversation we discussed: 📉 2024 Fintech Funding Trends 💰 Top Sectors for Funding 🚀 What’s Ahead for 2025? Listen to the full episode to gain more insights into what 2025 holds for fintech! Contact Tracxn LinkedIn : https://www.linkedin.com/company/tracxn/ X : https://x.com/Tracxn Website : https://tracxn.com/ Instagram : https://www.instagram.com/tracxntechnologies/…
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The India FinTech Diaries
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1 EP073 - SamvAAd 2024 - Powering the next billion Open Finance users 31:03
31:03
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In our next episode in the SamvAAd 2024 series, we dive deep into the evolving world of Open Finance with Kiran Gopinath, the founder of Open Finance Connect. Open Finance is reshaping financial services globally by enabling consumers to control and share their financial data for better products and services and India and the AA ecosystem is at the forefront of it. Here are the key highlights: 💡 What is Open Finance? 🌍 Global Leaders in Open Finance 🥇 India's Open Finance Success 🔮 Looking Ahead to 2030 Tune in to learn how Open Finance is transforming financial services and how AA can play key role in powering the next billion Open Finance users Contact Kiran LinkedIn : https://www.linkedin.com/in/kirangopinath1/ X : https://x.com/KiranGopinath Website : https://www.openfinanceconnect.com/…
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1 EP072 - SamvAAd 2024 - AA in 2024 - Progress and Potential 49:06
49:06
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In the latest episode, we explore the journey of India's account aggregator (AA) framework—a consent-based data-sharing platform transforming the financial landscape. We caught up with B.G. Mahesh, CEO of Sahamati and Shallu Kaushik, Digital Head of Tata Capital to discuss the rapid growth of India's account aggregator framework, and to help unpack the progress made since launch. We discussed: 📈 Growth of the AA ecosystem in India 🪙 Lending and wealth management as key use cases 💰 Benefits of AA adoption 🔮 Challenges and future adoption Tune in to the full episode to learn more about its impact and future potential Contact Sahamati LinkedIn : https://www.linkedin.com/company/sahamati/ X : https://x.com/sahamati Website : https://sahamati.org.in/ Sahamati Annual Report : https://sahamati.org.in/wp-content/uploads/2024/11/Sahamati-Annual-Report-2024.pdf…
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The India FinTech Diaries
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1 EP071 - Loyalty - In conversation with Rishi Batra, Co-founder & COO, Twid 28:33
28:33
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In the latest episode, we dive deep into the world of loyalty programs and their intersection with payments with special guest Rishi Batra, Co-Founder and COO of Twid. India’s loyalty market is rapidly growing, and Twid is at the forefront of redefining how consumers engage with rewards. In this episode we discuss: 📈 Loyalty trends in India 🪙 Pay with points innovation ⚔️ Challenges in building a reward network 💰 Economics of loyalty 🔮 Future of loyalty Tune in to the full episode to learn more about the exciting innovations shaping the future of loyalty in India. Contact Twid LinkedIn : https://www.linkedin.com/company/twidpay/ X : https://x.com/twidpay Website : https://twidpay.com/…
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The India FinTech Diaries
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1 EP070 - Co-Brands - In conversation with Ramanathan RV, Co-Founder Hyperface 49:45
49:45
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In this latest episode , we delve into the fascinating world of co-branded credit cards and the future of credit in India. Our guest, Ramanathan RV, co-founder of Hyperface, shares his expert insights on the evolution of credit cards and fintech solutions. From his journey at BankBazaar and JustPay to launching Hyperface, Ram takes us through the intricacies of credit card ecosystems and the digital transformation of India’s financial sector. We discuss: 🔥 The Rise of Co-Brands in India 💸 Unique value of Co-Brands 💻 Technology’s role in Co-Brands 🏆 What it takes to win in Co-Brands 🔮 Future of Credit and Co-Brands in India Listen in for some interesting insights on Co-Brands in India. Contact Ram LinkedIn : https://www.linkedin.com/in/ramanathanrv/ Email: ram [at] hyperface [dot] co Contact Hyperface LinkedIn : https://www.linkedin.com/company/hyperface/ X : https://x.com/HyperfaceHQ Website : https://www.hyperface.co/ Rise of Co-branded cards report : https://www.hyperface.co/blog/the-rise-of-co-branded-credit-cards-redefining-customer-loyalty/…
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The India FinTech Diaries
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1 EP069 - LatAm X India - In conversation with Atlantico 47:49
47:49
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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_ana Contact Julio LinkedIn: https://www.linkedin.com/in/juliovasconcellos/ X: https://x.com/JulioV Contact 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…
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The India FinTech Diaries
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1 EP068 - PA-CB - In conversation with Reeju Datta, Co-founder, Cashfree 24:11
24:11
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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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The India FinTech Diaries
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1 EP067 - Credit Line on UPI - In conversation with Sivaram Kowta, President - Banking, Zeta India 40:26
40:26
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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…
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The India FinTech Diaries
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1 EP066 - Credit Line on UPI - In conversation with Gaurav Mittal, CEO & Co-Founder, Vegapay 19:01
19:01
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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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The India FinTech Diaries
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1 EP065 - National Fintech Day Special - Fintechs & MSMEs 44:47
44:47
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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] co Contact Sundeep Monhindru LinkedIn: https://www.linkedin.com/in/sundeep-mohindru-838a29/ Email: sundeep [dot] mohindru [at] m1xchange [dot] com…
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1 EP064 - GenAI - In conversation with Ankit Ratan, Co-Founder, Signzy 45:37
45:37
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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 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] com Contact Signzy LinkedIn : https://in.linkedin.com/company/teamsignzy Twitter : https://twitter.com/TeamSignzy Website : https://www.signzy.com/…
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1 EP063 - GenAI - In conversation with Anant Gupta, FSI Head, Google Cloud India 30:59
30:59
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In our latest episode on AI, we spoke with Anant Gupta, FSI Head, Google Cloud India to better understand how AI use cases are implemented on the cloud and how financial services firms could leverage the cloud to bring AI use cases to life. During our conversation we discussed: 🤖 GenAI and Financial services use cases in India ⚙️ Implementing AI use cases on Google Cloud 🔑 Key considerations for implementing AI 💡 Parting thoughts on evolution of AI use cases in India Listen to this episode for perspectives on how GenAI is changing financial services in India Contact Anant LinkedIn : https://www.linkedin.com/in/agupta78/ Email: ganant [at] google [dot] com…
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