The Full Ratchet (TFR): Venture Capital and Startup Investing Demystified 447. From India to IPO: Cracking the Code of Cross-Border FinTech Investments, Regulation, and Market Dynamics (Sandeep Patil)
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Aug 19, 2024 Sandeep Patil, a FinTech investment specialist at QED Investors, discusses the dynamic landscape of cross-border FinTech investments, focusing on India's unique challenges. He shares insights into India's startup ecosystem and the importance of regulatory clarity in fostering innovation. Sandeep also contrasts investment strategies in Asia with Western markets and highlights the impact of embedded finance and open banking. Dive into the IPO strategies for Indian companies and understand how regional market dynamics shape investment decisions.
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Flipkart's Infrastructure Challenge
- Flipkart, India's equivalent of Amazon, had to build its own logistics network and payment system (cash-on-delivery).
- US companies could rely on existing infrastructure like Visa, Mastercard, and the US Postal Service.
Market Differences
- US startups can conquer smaller niche markets with high revenue per user.
- Indian startups need to target a broader user base due to lower revenue per user.
Go-to-Market in India
- Digital penetration in India has increased, making customers accessible but creating market noise.
- Physical presence is needed for collections, especially across dispersed customer bases.