Fintech Ki Baat

What does it take to build trust in India’s most regulated fintech layer?In this episode of Dhande Ki Baat, host Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-founder & CEO of SAFE.in, to unpack the real story behind building one of India’s first Account Aggregators.Discover how account aggregation is revolutionizing financial services by providing secure, error-free data and empowering consumers with control over their financial information. Venkatesh shares his entrepreneurial journey, insights into the industry's future, and the transformative potential of account aggregation for both businesses and individuals.From his early career in financial services to navigating RBI compliance, Venkatesh shares:Timestamps;00:40 – Intro & Founder Journey Recap01:35 – What is Account Aggregation & Why it Matters03:20 – Data Consent & Encryption Explained06:00 – Regulatory Oversight & RBI Audits07:30 – Lending, Wealth, Insurance & F&O Use Cases10:10 – Why Banks Are Catching Up Slowly10:31 – Real Savings for Lenders: ₹150 to ₹312:05 – Joint Account Access Coming Soon14:14 – MSMEs + Inclusion via Joint Consent16:35 – Non-financial Data Consents (Auditors, Visa, etc.)18:32 – LSPs & Future Expansions Beyond Regulated Entities22:40 – Interoperability Challenges & Sahamati NET25:00 – Central Proxy Layer: The UPI Moment for AAs27:34 – Business Model Viability & Market Dynamics31:42 – DPDP & Consent as a New Layer of Power32:45 – Future: Every Transaction Touches AA37:45 – Wrap Up & Closing ThoughtsThis isn’t a pitch. It’s raw, practical, founder-first storytelling from someone who’s building the pipes of India’s open finance future.🎧 Watch if you're a fintech builder, operator, investor, or just curious about India’s data revolution.

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 Aggregation03:00 – Benefits of Account Aggregation for Lenders & Consumers05:00 – Venkatesh’s Career Journey: Chola to Cognizant13:58 – Startup Inspiration from Ex-Colleagues & Industry Trends17:30 – Applying for the RBI AA License20:25m – Financial Planning Before Starting Up22:14 – Hard Truths & Lessons for New EntrepreneursIf 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.🔔 Subscribe to Fintech Ki Baat Dil Se for more founder-led conversations in India's fintech ecosystem.

If you’re a budding founder, operator or VC, this episode is a masterclass in what it really takes to build a fintech startup in India.Manish Shara, Founder & CEO of ZET, shares candid lessons from his serial entrepreneurship journey, why he chose to solve India’s credit and financial access problem, and how ZET is being built for the next wave of Indian consumers.In this conversation, we talk about:• Early founder mistakes, pivots and mindset shifts across ventures• How ZET thinks about fintech distribution, trust and scale in India• Balancing growth, risk and unit economics while building in credit-adjacent spaces• Practical takeaways for budding entrepreneurs and VCs evaluating fintech betterTransferring actionable insights from cross domain experienceIf you enjoy entrepreneurship podcasts, founder stories and deep dives into Indian fintech, this episode deserves a spot in your playlist.Timestamps:00:42 – Introduction02:30 – Manish’s journey: From Jaipur coder to serial entrepreneur06:45 – The rise and fall of Offermundi & Simplify10:45 – Dineout days and product learnings13:05- Manage to stay sane & how Manish took the rightful risks 21:11 – How referral logic led to OneCode27:12 – Transition to Fintech & Zet30:40 – Solving affordable credit with credit scores33:57 – Manish’s 3 “Don’ts” for founders38:45 – Final thoughts and wrap-up👉 Don’t forget to like, share, and subscribe for more candid founder journeys and deep dives into India's fintech ecosystem.

Cross-border payments are broken. Different rails, delays, hidden charges, SWIFT hassles—and Indian exporters often get caught in the chaos.In this Dhande Ki Baat episode, Our Host Sits down with Indunath Chaudhary, Founder of BriskPe, to break down how they're simplifying international trade for Indian exporters with faster settlements, local currency rails, and compliance-first infrastructure.📌 We talk about:The origin of the name BriskPeHow they built their own mini core banking systemReplacing SWIFT delays with real-time visibilitySolving compliance challenges: FIRCs, EBRC, FEMA, PMLAIndia's next export growth states & global corridorsWhy BriskPe is future-ready for CBDCs and stablecoinsAdvice to fintechs building infra in regulated spaces🎯 If you're building in fintech, exporting globally, or are curious about the infra behind cross-border B2B payments, this one’s a must-watch.🚀 This isn’t just another remittance story — it’s a lesson in how fintech infrastructure is being rebuilt, from first principles, to handle inward and outward payments, boost exporter confidence, and create global rails for Indian MSMEs.

Join Shreyas Jani as he delves into the world of fintech with Indunath Chaudhary, Founder & CEO of BriskPay. Discover how BriskPay is transforming cross-border payments for Indian exporters, the challenges faced in building a fintech startup, and the mindset shifts that powered Indunath’s leap from a stable job to full-time entrepreneurship.Key Highlights🚀 Indunath's journey from Jaipur to founding BriskPayNavigating financial crises and career pivots🌐 The evolving fintech landscape and regulatory hurdlesFinancial planning insights for early-stage founders🔮 Future of cross-border payments and fintech disruptionTimestamps02:24 – Indunath's journey: From Jaipur to Mumbai with a dream07:07 – The defining moment: Why Indunath quit his 9-to-5 job13:15 – How he managed finances while building a startup20:05 – The moment BriskPay took flight — and there was no looking back24:10 – Top 3 don'ts for budding entrepreneurs

Join Shreyas Jani as he engages in a thought-provoking discussion with Kalpana Ajayan, the Regional head of Women's World Banking. This episode delves into the critical topics of women empowerment, financial inclusion, and the role of digital public infrastructure in transforming the financial landscape for women globally.Key Highlights:Kalpana's journey from a banker to an advocate for women's financial inclusion. The impact of Women's World Banking in reaching over 53 million women in India. Challenges and solutions in designing gender-intentional financial products. The role of AI and digital infrastructure in enhancing financial access for women. Future focus areas for Women's World Banking, including climate resilience and consumer protection.

ALL OPINIONS EXPRESSED BY THE HOST IN THIS SHOW ARE THEIR OWN AND DON'T REPRESENT THE VIEWS OF THE ORGANISATION THAT THEY MAY BE ASSOCIATED WITH. Join us in this insightful episode of Fintech Ki Baat as Our Host Shreyas Jani dive into the world of AI in the BFSI sector with Suman Gandham, Founder and CEO of possible.ai. Discover the origin story behind possible.ai, the challenges and opportunities in AI for FinTech, and Suman's unique journey from entrepreneurship to AI innovation.Key Topics:The origin and vision of possible.ai AI's role in transforming the BFSI sector Challenges in implementing AI solutions Suman's entrepreneurial journey and insightsDon't forget to like, comment, and subscribe for more episodes on the latest in FinTech and AI!

ALL OPINIONS EXPRESSED BY THE HOST IN THIS SHOW ARE THEIR OWN AND DON'T REPRESENT THE VIEWS OF THE ORGANISATION THAT THEY MAY BE ASSOCIATED WITH. In this powerful episode of Fintech Ki Baat Dil Se, host Shreyas Jani sits down with Suman Gandham, Founder & CEO of Posibl.ai, to uncover how artificial intelligence is transforming the BFSI sector. From his entrepreneurial roots to building a cutting-edge AI platform, Suman shares insights on what it takes to innovate in India’s fast-evolving fintech space.🔍 Key Topics Covered:The origin story and mission of Posibl.aiHow AI is reshaping lending, risk assessment, and personalization in BFSIReal-world challenges in deploying AI at scaleSuman’s entrepreneurial mindset and lessons from the trenchesWhether you're a fintech founder, investor, or technologist, this episode is packed with practical insights and inspiration.🔔 Don’t forget to subscribe for deep dives with India’s fintech innovators!

n this candid episode of Fintech Ki Baat Dil Se, Our Host Shreyas Jani sits down with Sankarsh Chanda, the prodigy-turned-Founder of Savart and Stardour, to explore the evolving world of Robo-advisory, tech-led investing, and entrepreneurial resilience.Sankarsh shares how he began investing at just 14, what early failures taught him, and why humility, feedback loops, and strong teams matter more than ever.The conversation dives deep into qualitative research, risk-taking, and building ventures with soul.

Saurabh Gupta, Founder & CEO of VeriSmart.AI, dives into the critical intersection of data ownership, privacy, and AI ethics. He reveals how decentralized data infrastructures can empower consumers and enhance privacy. The discussion covers the dual nature of technology, the ethical responsibilities in AI development, and the innovative interplay between blockchain and AI. Saurabh also challenges common data privacy myths and highlights the need for a collaborative tech approach to ensure secure and beneficial advancements in digital intelligence.