Fintech Ki Baat

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.

Step into the world of Vasanth Kamath, the innovative founder of Smallcase, on this episode of "Fintech Ki Baat." Vasanth opens up about his personal preferences and habits that shape his daily life and contribute to his success. From his favorite book to his morning routine, and how he unwinds from the intense world of fintech, Vasanth shares valuable insights into balancing life and work. Discover his love for Japan, his guilty pleasures, and the favorite quote that keeps him motivated. This episode is a unique glimpse into the life of a fintech entrepreneur beyond the boardroom. 🔍 Episode Highlights: 00:01 - Vasanth's journey and the lessons he's learned along the way. 00:29 - The book that has impacted Vasanth the most. 01:17 -How a structured morning routine primes him for success. 01:50 - Activities Vasanth engages in to disconnect from work. 02:36 -Why Japan stands out as his favourite vacation spot. 03:05 - The dedication and commitment observed in Japan. 04:52 - Vasanth'sGuilty Pleasure 06:33 - The quote that inspires Vasanth daily. 07:43 - Closing Remarks This episode not only provides a closer look at what drives Vasanth Kamath but also offers practical tips for personal and professional growth. Tune in to "Fintech Ki Baat" for more episodes that reveal the human side of leading fintech figures.

Dive into the world of innovative investing on "Fintech Ki Baat" with Vasanth Kamath, the founder of Smallcase, who sheds light on how Smallcase is revolutionizing the investment landscape. This episode details the inception and operational framework of Smallcase, differentiating it from traditional mutual funds, and emphasizing the strategic importance of asset allocation. Vasanth also addresses the nuances of investment safety, including the burgeoning field of cryptocurrencies, and discusses the broader impacts of Smallcase on the financial industry and the macroeconomy. Further insights into the barriers and catalysts for Smallcase penetration in the market, the role of AI in enhancing financial processes, and the slow yet pivotal adoption of AI in wealth tech are also explored. 🔍 Key Highlights: Origin and Functionality: Understanding Smallcase as a dynamic portfolio of stocks. Investment Strategies: The crucial differences between mutual funds and Smallcase. Asset Allocation: Why starting with the right asset allocation matters. Emerging Investment Classes: Safety and regulation in the context of cryptocurrencies. Market Impact: The potential transformative effect of Smallcase on the economy. Technology in Finance: How AI and emerging technologies are shaping the future of Smallcase and the industry at large. Chapters: 00:05 - Introduction to Smallcase and Vasanth Kamath 03:05 - Smallcase Explained as a Portfolio of Stocks 08:25 - Distinguishing Mutual Funds from Smallcase 12:50 - The Importance of Asset Allocation 19:04 - Assessing the Safety of Different Investment Classes 23:12 - Cryptocurrencies Discussed as an Investment Option 26:18 - How Smallcase Influences the Industry and Economy 31:04 - Growth Catalysts for Smallcase Penetration 34:25 - Analyzing Barriers to Higher Smallcase Penetration 35:05 - Discussing Market Depth and Investment Opportunities 36:07- The Need for Global Ambitions in Companies 37:04 - The Role of Emerging Technologies in Finance 38:14 - Implementing AI in Internal Processes 39:28 - Challenges of AI Integration in Wealth Tech 40:30 - Wrap-Up and Rapid Fire Questions Join Vasanth Kamath for a comprehensive look at how Smallcase is setting new standards in the investment world and what the future holds for this pioneering platform. Subscribe to "Fintech Ki Baat" for more in-depth discussions and insights from leaders in the fintech industry.

Welcome to "Fintech Ki Baat," where in this episode, Vasanth Kamath, Founder of  @smallcase  unfolds his entrepreneurial journey and the innovative aspirations behind building a Bloomberg for private companies. Delve into the challenges and triumphs of shaping the financial services industry, the critical role of data in wealth management, and how smallcase is leveling the playing field through technology. Vasanth discusses the immense value of user feedback, the necessity of external validation, and shares personal lessons on co-founder dynamics, trust, and communication. 🔍 Episode Insights: Innovative Vision: The ambition to transform private company data accessibility. Startup Foundation: The initial drive and decisions that led to the creation of smallcase. User-Centric Approach: The pivotal role of feedback and validation in startup development. Leadership Insights: Lessons on trust, compatibility, and effective communication among founders. Focus and Balance: Strategies to maintain vision focus and balanced decision-making. Chapters: 00:00 - Introduction and Background 02:08 - Building a Bloomberg for Private Companies 03:16 - The Entrepreneurial Drive Behind Starting Smallcase 04:57 - Choosing the Wealth Space for Smallcase 07:24 - Technology's Role in Democratizing Financial Services 09:18 - The Importance of User Feedback and External Validation 11:43 - Emphasizing External Validation 12:30 - Foundational Lessons Learned 14:19 - Staying Focused Amidst the Noise 16:16 - Balancing Passion with Pragmatic Deliberation 18:20 - Cultivating Community and Partnerships 21:49 - The Dual Edges of Trust and Skepticism 23:32 - Co-founder Compatibility and Trust 26:57 - Ensuring Effective Communication Among Founders 28:16 - Essential Advice for New Founders This episode is a must-watch for entrepreneurs, fintech professionals, and anyone interested in the intersections of technology and finance. Subscribe to "Fintech Ki Baat" for more engaging discussions that bring you closer to the heartbeat of fintech innovation.