In this episode of Fintech Ki Baat Dil Se, Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-Founder & CEO of SAAFE.in—one of India’s leading licensed Account Aggregators (AAs).

With over three decades in financial services and leadership stints at Cholamandalam and Cognizant, Venkatesh brings unparalleled insight into the evolution of digital finance in India.We deep-dive into his journey from NBFCs to tech-driven compliance, the founding story of SAFE.in, and how account aggregation is reshaping digital lending, user consent, and privacy in India.

Timestamps:

00:49 – Intro to SAFE.in and Account Aggregation

03:00 – Benefits of Account Aggregation for Lenders & Consumers

05:00 – Venkatesh’s Career Journey: Chola to Cognizant

13:58 – Startup Inspiration from Ex-Colleagues & Industry Trends

17:30 – Applying for the RBI AA License

20:25m – Financial Planning Before Starting Up

22:14 – Hard Truths & Lessons for New Entrepreneurs

If you're building in fintech, curious about open banking, or considering your own startup journey, this episode is packed with real-world insights and advice.

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803-Friday Q&A: More Flag Theory, Debt Management, Etc.