Fintech Ki Baat

Welcome to this inspiring episode of Fintech Ki Baat Dil Se, where we sit down with Sagar Anantwar, the visionary founder and CEO of Simplifin. From his roots in a typical middle-class Indian family to leading a groundbreaking investment platform, Sagar shares his entrepreneurial journey and the critical importance of financial literacy in today's economy. Dive into the world of Simplifin, which aims to educate retail consumers about diverse investment options and empower them to make informed financial decisions. 🔍 Episode Highlights: Sagar's Personal Journey: From his early education to the epiphany that led him back to India to start Simplifint. Gap in Financial Literacy: How Sagar identified a crucial market need for financial education among everyday investors. Challenges of Entrepreneurship: Insights into the hurdles of starting and running a business, from securing funding to scaling operations. Life as a Founder: The importance of maintaining work-life balance, managing stress, and leveraging support systems like family and friends. Advice for Aspiring Entrepreneurs: Sagar offers invaluable tips on financial planning, the importance of emotional intelligence, and the necessity of a diversified investment portfolio. Chapters: 00:00 - Introduction to Simplifint and Sagar's Journey 01:21 - The Founder's Story: From Education to Entrepreneurship 05:30- The Moment that hit you that you want to get into startup 08:09 - Identifying Market Gaps in Financial Literacy 11:56 - Financial Planning for Aspiring Entrepreneurs 15:13 - Managing Stress as a Startup Founder 17:31 - Top Don'ts for Budding Entrepreneurs 19:12 - Conclusion: Key Takeaways and Final Thoughts Whether you're a budding entrepreneur, an investor looking to sharpen your financial acumen, or simply curious about the startup landscape, this episode provides a wealth of knowledge and motivation. Join us as Sagar Anantwar shares his story of passion, perseverance, and the pursuit of financial empowerment through Simplifin. 👉 Subscribe to Fintech Ki Baat and hit the bell icon to catch all our episodes, where we bring you closer to the leaders and innovators shaping the future of fintech.

Welcome to an exciting episode of Fintech Ki Baat, where we are joined by Rohit Taneja, the visionary founder of Decentro. In this episode, Rohit delves into the origin story of Decentro and how it has evolved into a pioneering banking middleware SaaS company. He sheds light on the transformative impact of Banking as a Service (BaaS) in India, discusses the key challenges in fintech integrations, and explores the broader implications of emerging technologies in the BFSI sector.🔍 Episode Highlights:Origin and Evolution: Discover how Decentro pivoted from its initial blockchain focus to become a crucial player in the BaaS ecosystem.Integration Challenges: Rohit discusses the technical and regulatory hurdles faced by fintech companies when integrating with traditional banks and how Decentro facilitates this process.Digitization of Lending: Explore the effects of digitization on lending practices, emphasizing the importance of promoting responsible credit behavior to avoid over-leveraging.Technological Innovations: Gain insights into the exciting potential of emerging technologies like space tech and AI in transforming the BFSI sector.Chapters: 01:52 - Introduction to Rohit Taneja and Decentro 04:20 - Challenges in Fintech Integrations and Decentro’s Solutions 06:55- How has the Banking Industry Evolved over the years 14:05- Explaining Banking as a tearm from layman's Perspective 19:16 - The Role of Digitization in Modern Lending Practices 25:15 - Future Trends: AI and Space Tech in BFSI 32:00- Closing Remarks Rohit also shares his enthusiasm for space technology and artificial intelligence, discussing how these could redefine the future landscape of banking and financial services.👉 Don't miss this insightful discussion! Subscribe to Fintech Ki Baat to stay updated on the latest trends and discussions in the world of financial technology.

Decoding Startup Success: Insights from Mr. Rohit Taneja Founder & CEO of Decentro Welcome to this insightful episode of Fintech Ki Baat, where we sit down with Rohit Taneja, the visionary founder of Decentro. Rohit shares his entrepreneurial journey, packed with actionable advice for anyone looking to venture into the startup world. Whether you're pondering the leap into entrepreneurship or already on your way, Rohit's experiences and strategies provide valuable guidance on navigating the challenges and opportunities of building a startup. 🔍 Episode Highlights: Passion-Driven Problem Solving: Discover how Rohit identified a real pain point and transformed it into a successful business model at Decentro. Financial Prudence: Learn about the importance of having a financial safety net and how it can empower you to take calculated risks without jeopardizing your stability. Team Building: Gain insights into assembling a solid founding team that shares your vision and the right attitude to propel your startup forward. Stress Management: Rohit discusses the significance of maintaining open lines of communication with co-founders, family, and friends to manage stress effectively. Vision and Focus: Explore how keeping focused on the bigger picture can drive consistent progress and lead to lasting impact. Chapters: 01:14 - Introduction and Inspiration to Start Building 06:09 - Choosing the Right Path and Problem to Solve 08:28 - Identifying the Idea and Building a Business Model 10:41 - Planning for Financial Stability and Support 15:11 - Finding the Right Co-Founder and Team 18:00 - Managing Stress and Having Honest Discussions 21:00 - Dos and Don'ts for Budding Entrepreneurs 👉 Subscribe to Fintech Ki Baat for more episodes filled with deep dives into the experiences of those shaping the fintech landscape. Dive into the journey with Rohit Taneja and walk away with essential lessons that could guide you on your path to startup success.

Join us on Fintech Ki Baat for a crucial episode that dives into the transformative landscape of Peer-to-Peer (P2P) lending in India, featuring insights from industry experts Mukesh Bubna and Vikram Pandya. As the RBI rolls out new guidelines to regulate this dynamic sector, we explore how these regulations are set to redefine the norms of P2P lending, focusing on enhancing transparency and protecting consumers. 🔍 Episode Highlights: P2P Lending Overview: Get to grips with the fundamentals of P2P lending and how it connects borrowers with lenders directly online. Regulatory Milestones: Trace the evolution of RBI guidelines from their inception in 2017 to the pivotal updates in 2024, and understand their impact on the ecosystem. Building Trust and Safety: Discuss the significance of these regulations in building trust among users and ensuring their protection in the digital lending space. Operational Transformations: Analyze the operational shifts required by the new guidelines, including the restrictions on auto-invest features and the shift away from closed user group models. The Road Ahead: Evaluate the potential for industry consolidation and what the future holds for both new and existing P2P platforms under the stringent regulatory framework. This episode is essential for anyone involved in fintech, lending, and regulatory environments, providing a comprehensive look at how new rules are setting the stage for a safer, more transparent P2P lending market in India. 👉 Make sure to subscribe to Fintech Ki Baat and stay updated with the latest discussions impacting finance and technology across the globe.

This time, we're diving into the transformative world of healthcare finance with Chris George, founder of Qube Health. Discover how Cube Health is revolutionizing the way healthcare payments are handled in India, making them more accessible and efficient. In a country where a significant portion of the population lacks health insurance and faces high out-of-pocket expenses, Qube Health's innovative solutions offer much-needed relief. 🔍 Episode Highlights: Origin of Cube Health: Learn about the founding vision behind Cube Health and its mission to change the healthcare payment landscape. Innovative Payment Solutions: Explore how Cube Health offers instant cashback and credit lines for healthcare expenses, simplifying the financial burden on families. Strategic Partnerships: Understand the importance of Cube Health's collaborations with the National Payments Corporation of India and healthcare providers to enhance the payment experience. Bridging Insurance Gaps: Chris discusses how Cube Health’s services complement existing health insurance policies by filling critical coverage gaps. Technology's Role: Insight into how AI and data analysis are leveraged to improve insurance products and customer experiences. Chapters: Chapters: 01:30 - Introduction and Origin Story of Qube Health 03:25 - Overview of Qube Health's Services 05:37 - The Need for Qube Health in the Healthcare Industry 07:49 - The Impact of Qube Health on Out-of-Pocket Expenditure 11:53 - Customer Journey and Experience with Qube Health 14:40 - Understanding Out-of-Pocket Expenditure in Insurance 21:13 - Coverage in Standard Health Insurance Policies 20:21 - The Role of Top-Up Policies in Healthcare Finance 23:00 - Partnerships and Business Model of Qube Health 26:00 - Impact of Emerging Technologies on Qube Health 28:36 - Conclusion and Insights from Chris George Chris's insights are not just thought-provoking but also offer practical advice and solutions for anyone facing the complexities of healthcare financing in India. Whether you are a healthcare professional, a fintech enthusiast, or just someone looking for better ways to manage healthcare expenses, this episode is for you. 👉 Don’t forget to subscribe to Fintech Ki Baat and tap the bell icon to stay updated on the latest discussions that are reshaping the landscape of finance and technology.

🚀 Welcome to a new episode of the Fintech Ki Baat podcast! Join host Shreyas Jani as he sits down with Chris George, Co-founder and CEO of  @qubehealth  to explore Chris’s diverse entrepreneurial journey. From launching an e-commerce company to pivoting to a technology-driven marketing services firm, and ultimately founding QubeHealth to tackle healthcare payments, Chris's story is filled with invaluable lessons on adaptability and vision.🔍 Episode Highlights:Entrepreneurial Path: Chris's transition from e-commerce to healthcare illustrates the agility necessary in today’s business world.Qube Health Vision: Discover how Cube Health is addressing the pressing issue of healthcare payments to improve access across the board.Skills and Planning: Insights into the essential skills for entrepreneurs and strategic planning tips for leaving a corporate job to start your own venture.Product-Market Fit: Chris shares his approach to finding a product that meets market needs effectively.Leadership Advice: Essential tips for building the right team, maintaining focus, and selecting investors that align with your vision.Chapters: 01:05 - Introduction and Entrepreneurship Journey 03:15 - From E-commerce to Marketing Services 05:51-Skills Transferability in Entrepreneurship11:44 - Strategic Planning for New Entrepreneurs15:59 - Finding and Validating Product-Market Fit 18:10 - 3 Don'ts for Budding Entrepreneurs 24:35- Closing Remarks Chris George's journey offers a roadmap for budding entrepreneurs on navigating shifts in business models, sector focus, and scaling challenges. His insights are especially valuable for anyone interested in the intersections of technology, marketing, and healthcare.👉 Don’t forget to subscribe to Fintech Ki Baat for more episodes that delve deep into the stories of innovators and leaders who are reshaping the landscape of finance and technology.

Dive into the world of Aurm, a groundbreaking company redefining the concept of security and convenience in storage solutions. Founded by Vijay of MyGate, and Ganesh Aurm introduces automated robotic lockers designed to meet the modern needs of gated communities and beyond. Join us as we explore how Aurm is transforming the traditional bank locker system with its innovative approach, providing residents with a secure place to store valuables like documents, passports, and jewellery right in their community. 🔍 Episode Highlights: Introduction to Aurm: Discover the origins and mission of Aurm in revolutionizing the concept of storage. Challenges in Traditional Systems: Understand the limitations of traditional bank lockers, including availability and cost issues. Innovative Solutions: Learn about the automated, robotic locker technology that Aurm brings to residential communities. Community Adoption: Insights into how Aurm has been embraced by residential communities for safe and convenient storage. Partnership Potential: Explore Aurm's strategy in expanding their services through partnerships with banks to offer in-branch locker facilities. Chapters: 01:58 - Introduction to Aurm and its Purpose 05:40 - Solving the Problem of Storage in Urban Clusters 09:09 - Use Cases and Early Adoption of Aurm 16:46 - Exploring Potential Use Cases for Aurm 19:14- The End-to-End Journey of Using Aurm Lockers Aurm isn't just about offering a place to store valuables—it's about integrating cutting-edge technology with daily life to enhance security and accessibility. Whether you're interested in the technology behind automated lockers or looking for a smarter way to secure your valuables, this episode offers a thorough look at what Aurm brings to the table. Subscribe to Fintech Ki Baat and stay tuned for more episodes that delve into the innovations shaping the fintech landscape.

🚀 Welcome to the first episode of Season 3 of the Fintech Ki Baat podcast! Join us as we kick off an exciting new season with Ganesh Balakrishnan, founder and CMO of AURM. In this premiere episode, Ganesh shares his extensive entrepreneurial journey, from the highs of appearing on Shark Tank to the detailed strategies of building and scaling startups. Dive deep into the challenges and triumphs of entrepreneurship and gain firsthand insights into adopting a portfolio approach and planning for strategic exits.🔍 Episode Highlights:Journey to Success: Explore Ganesh's path from conceptualizing ideas to operational success.Shark Tank Realities: Discover the lesser-known aspects of pitching in the high-stakes arena.Strategic Scaling: Learn why thinking about scale from day one can set you up for long-term success.Portfolio Approach: Understand the benefits of managing multiple ventures for broader impact.Entrepreneurial Wisdom: Ganesh's top advice for aspiring entrepreneurs looking to make their mark.Chapters:Chapters:00:51 - Introduction and Entrepreneurship Journey05:03 - Building Winsleeve and Momoe09:47 - Starting Flatheads and the Importance of Building for Scale14:32 - Brainstorming and Identifying Business Ideas16:08 - Financial Preparation for Entrepreneurship21:08 - Lessons from Building Multiple Startups28:44 - The Reality of Appearing on Shark Tank34:33 - Closing RemarksGanesh's journey is filled with actionable insights, whether you're a budding entrepreneur or a seasoned business owner looking to expand your horizons. His experiences underscore the importance of strategic planning, the value of resilience, and the potential of taking calculated risks.

Join us on "Fintech Ki Baat" as Mahesh Shukla, founder of Payme, delves into the transformative journey of Payme, a platform dedicated to reshaping lending for the underserved market. In this episode, Mahesh explains how Payme addresses the unique challenges of high customer acquisition costs and smaller loan sizes in underserved areas. He discusses the detrimental impact of informal lending practices and how digital solutions like Payme provide a more ethical and transparent alternative. Explore the innovative use of AI in digital lending, including generative and explainable AI for underwriting, and learn about Payme's proactive Credit Assist product for rejected loan applicants. Mahesh also shares his insights on the future of digital lending, highlighting the roles of AI, the Open Credit Enablement Network, and the groundbreaking potential of credit on UPI. Chapters: 00:00 - How Payme started and the critical problem it solves in financial inclusion. 01:07 - Challenges in Underserved Markets: Exploring the economic hurdles in extending credit to less affluent communities. 02:12 - Addressing the Needs of the Underserved Market 03:39 - Economic Challenges in Underserved Areas 05:10 - Analyzing Customer Acquisition Costs 06:28 - Discussing Ticket Sizes and Affordability 09:39 - Combating Exploitation in Informal Lending 11:17 - Digital Solutions to Traditional Lending Issues 12:51 - The Impact of AI on Digital Lending 18:24 - Regulatory Perspectives on AI-based Underwriting 20:35 - Enhancing Credit Access with AI for Thin File Customers 22:29 -The transformative role of AI in enhancing credit assessments and underwriting processes 25:09 - Introducing the Credit Assist Product 28:05 - The Future Landscape of Digital Lending 29:36 - The Potential of Credit on UPI 30:12 - Conclusion and Forward Look This episode is a must-watch for anyone interested in financial technology, digital lending, and the integration of AI in financial services. Subscribe to "Fintech Ki Baat" for more insightful discussions that navigate the frontiers of fintech innovation.

In this enlightening episode of "Fintech Ki Baat," join Mahesh Shukla, the visionary founder of PayMe, as he delves into the origins and growth of a platform designed to extend lending services to the underserved segments of the market. Mahesh shares his personal and professional experiences that led to the creation of PayMe, discusses the pivotal challenges faced in transforming the credit system, and how PayMe strives to bridge the financing gap. He also opens up about his transition from startup to an established entity, the personal trials during the COVID-19 pandemic, and the crucial aspects of maintaining mental health and stress management as a founder. Chapters: 00:02 - The inspiration behind starting PayMe and its mission. 03:18 - Insights into the complexities of the credit system and solutions provided by PayMe. 08:22 - T Evolution from a nascent startup to a robust company. 12:53 - Journey from a Startup to an Established Company 13:03 - Day-to-Day Life as a Founder 17:55 - Reflective Moments and Challenges Faced 21:18- Coping with significant personal and professional challenges. 23:33 - Essential takeaways for aspiring entrepreneurs focusing on impact, mental health, and sustainable growth. Whether you're an aspiring entrepreneur, a professional in the fintech industry, or simply interested in the stories behind innovative startups, this episode offers a profound look at the challenges and triumphs of building a company that aims to make a difference. Tune in to "Fintech Ki Baat" for more inspiring discussions with leaders shaping the finance future.