Banks and NBFCs: Navigating Risks and AI Impact

Welcome to the year-end special edition of Two by Two.

We’ve released 22 episodes of Two by Two since our inaugural edition in July. 

We’ve covered an incredible breadth of counterintuitive topics framed as, well, two by twos. 

Would Flipkart become Phonepe before Phonepe became Flipkart? Did Delhi prick Bengaluru’s bubble? Is the golden era of the software engineer over? Why is health insurance broken? How will Ola and Uber avoid ‘death by a thousand cuts’? Why is Zepto behaving like a gold medallist? Can venture capitalists do no wrong? Dmart versus the challengers at the gates. AI and the impending disruption of Indian SaaS. 

We’ve had incredible fun exploring these ideas with a bunch of really sharp, experienced and opinionated guests. 

Finding guests who don’t hesitate to speak their minds and state unpopular truths has been one of the hardest things. Far, far tougher than finding interesting topics. We owe all our guests a huge thanks for trusting us. Far too many professionals and leaders prefer to stick to rehearsed and predictable talking points in public these days.

We’d started Two by Two with the ambition to operate at the intersection of curiosity and synthesis. Each week, we said we’d spot the hidden connections and unasked questions. We’d identify the cast of players and their motivations. 

We’d bring in incredible people to discuss these with. We’d try to answer simple yet fundamental questions like, what is going on, why is it happening, who gains and who loses, and where is all of this leading to?

By always asking questions. Always connecting the dots. Always being unfiltered and uninhibited.

We wanted Two by Two to be ‘your personal investigative brain’. 

In 2025 we hope to make Two by Two even more interesting and unpredictable. Yes, at its core it will still be a weekly podcast. But I’m excited at the possibility of doing so much more by involving our subscribers, listeners and readers in these endeavours. 

We want to make Two by Two ‘our collective investigative brain’. 

And hosts Rohin Dharmakumar and Praveen Gopal Krishnan will continue to do so with a new episode every Thursday.

To listen to all episodes of Two by Two, consider subscribing to The Ken’s Premium plan, which in addition to the podcast, will also get you access to our long-form stories, Premium newsletters and visual stories.

If you just want access to Two by Two, you can do that as well on Apple Podcasts with a paid subscription.

Two by Two is also a free weekly newsletter published every Friday. You can sign up for it here.

Listen to all Two by Two episodes here:

1. Will Flipkart become Phonepe before Phonepe becomes Flipkart? - https://the-ken.com/podcasts/two-by-two/will-flipkart-become-phonepe-before-phonepe-becomes-flipkart/

2. Why has all the excitement and disruption gone out of startups? - https://the-ken.com/podcasts/two-by-two/why-has-all-the-excitement-and-disruption-gone-out-of-startups/

3. Is Zepto a gold medallist or a bronze medallist? - https://the-ken.com/podcasts/two-by-two/is-zepto-a-gold-medalist-or-a-bronze-medalist/

4. Delhi pricked the Bengaluru bubble - 

https://the-ken.com/podcasts/two-by-two/delhi-pricked-the-bangalore-bubble/

5. Swiggy needs to reclaim its past glory - https://the-ken.com/podcasts/two-by-two/swiggy-needs-to-reclaim-its-past-glory/

6. Is the golden era of the (software) engineer over? - https://the-ken.com/podcasts/two-by-two/is-the-golden-era-of-the-software-engineer-over/

7. Google Pay: Big. Successful. Vulnerable - https://the-ken.com/podcasts/two-by-two/google-pay-big-successful-vulnerable/

8. Private coaching is eating away at schooling - https://the-ken.com/podcasts/two-by-two/private-coaching-is-eating-away-at-schooling/

9. Why Stripe could not become the Stripe of India? - https://the-ken.com/podcasts/two-by-two/why-couldnt-stripe-become-the-stripe-of-india/

10. Health insurance in India is ripe for disruption - https://the-ken.com/podcasts/two-by-two/health-insurance-is-ripe-for-disruption/

11. Netflix and its last growth market - https://the-ken.com/podcasts/two-by-two/netflixs-last-growth-market/

12. Ather Energy was a pioneer. Can it also be a leader? - https://the-ken.com/podcasts/two-by-two/ather-energy-was-a-pioneer-can-it-also-be-a-leader/

13. Do we even need Product Managers? - https://the-ken.com/podcasts/two-by-two/do-we-even-need-product-managers/

14. How will Ola and Uber avoid ‘death by a thousand cuts’? - https://the-ken.com/podcasts/two-by-two/how-will-ola-and-uber-avoid-death-by-a-thousand-cuts/

15. The relentless rise of the government as a competitor - https://the-ken.com/podcasts/two-by-two/the-relentless-rise-of-the-government-as-a-competitor/

16. What does the future hold for Ola Electric? - https://the-ken.com/podcasts/two-by-two/what-does-ola-electrics-future-hold/

17. Can venture capitalists do no wrong? - https://the-ken.com/podcasts/two-by-two/can-venture-capitalists-do-no-wrong/

18. Dmart versus the challengers at the gate - https://the-ken.com/podcasts/two-by-two/dmart-versus-the-challengers-at-the-gate/

19. Marketing is eating itself from the inside - https://the-ken.com/podcasts/two-by-two/marketing-is-eating-i...