India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fint ...
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EP079 - InsurTech - In conversation with Anand Prabhudesai, Co-founder, Turtlemint
39:16
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39:16In this episode of India FinTech Diaries, we dive into the transformation of insurance distribution with Anand Prabhudesai, co-founder of Turtlemint. Anand shares how Turtlemint is breaking down the complexities of insurance, making it accessible for millions across India through technology and a vast agent network. From revolutionizing how insuran…
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EP078 - Cross-Border Payments - In conversation with Movin Jain, Founder, Skydo
33:43
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33:43In this episode of India FinTech Diaries, we explore the complexities of cross-border payments with Movin Jain, co-founder of Skydo. Skydo has been at the forefront of simplifying global transactions for Indian businesses, providing seamless B2B payment solutions to small and medium enterprises (SMEs) across various sectors. Movin shares insights o…
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EP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit Bharat
31:18
31:18
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31:18In the second episode in the DLAI Fintech Conclave 2025 podcast series, we are joined by Pallavi Shrivastava, co-founder of Progcap, to explore the critical role of MSMEs (Micro, Small, and Medium Enterprises) in driving India's economic growth. As India sets its sights on achieving Viksit Bharat—a vision of a developed India—MSMEs are positioned a…
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EP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer Finance
40:39
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40:39Carrying on with the tradition of episodes with DLAI, this year we tried something different and worked on recording episodes after their Annual Fintech Conclave. In the first episode in this series, we explore the dynamic shifts in consumer finance with Anuj Kacker, co-founder of Freo. Anuj shares his perspective on how the fintech industry has ev…
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EP075 - Transit Payments - In conversation with Manoj Sugathan
41:56
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41:56In our first episode of 2025, we dive into the world of open-loop transit payments with payments industry veteran, Manoj Sugathan. With over 30 years of experience, Manoj has played a pivotal role in driving contactless payment solutions across the Asia-Pacific region. We explore the future of public transportation payments and how open-loop system…
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EP074 - 2024 Retrospective - In conversation with Neha Singh, Co-Founder, Tracxn
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30:50In this special end-of-the-year episode of, we sit down with Neha Singh, co-founder of Tracxn, to discuss the major funding trends that shaped the fintech landscape in 2024 and what lies ahead for 2025. Tracxn, one of the leading data intelligence platforms for private market research, tracks over 3.3 million entities across industries globally. Wi…
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EP073 - SamvAAd 2024 - Powering the next billion Open Finance users
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31:03In our next episode in the SamvAAd 2024 series, we dive deep into the evolving world of Open Finance with Kiran Gopinath, the founder of Open Finance Connect. Open Finance is reshaping financial services globally by enabling consumers to control and share their financial data for better products and services and India and the AA ecosystem is at the…
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EP072 - SamvAAd 2024 - AA in 2024 - Progress and Potential
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49:06In the latest episode, we explore the journey of India's account aggregator (AA) framework—a consent-based data-sharing platform transforming the financial landscape. We caught up with B.G. Mahesh, CEO of Sahamati and Shallu Kaushik, Digital Head of Tata Capital to discuss the rapid growth of India's account aggregator framework, and to help unpack…
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EP071 - Loyalty - In conversation with Rishi Batra, Co-founder & COO, Twid
28:33
28:33
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28:33In the latest episode, we dive deep into the world of loyalty programs and their intersection with payments with special guest Rishi Batra, Co-Founder and COO of Twid. India’s loyalty market is rapidly growing, and Twid is at the forefront of redefining how consumers engage with rewards. In this episode we discuss: 📈 Loyalty trends in India 🪙 Pay w…
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EP070 - Co-Brands - In conversation with Ramanathan RV, Co-Founder Hyperface
49:45
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49:45In this latest episode , we delve into the fascinating world of co-branded credit cards and the future of credit in India. Our guest, Ramanathan RV, co-founder of Hyperface, shares his expert insights on the evolution of credit cards and fintech solutions. From his journey at BankBazaar and JustPay to launching Hyperface, Ram takes us through the i…
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EP069 - LatAm X India - In conversation with Atlantico
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47:49In this episode of India FinTech Diaries, we venture beyond our usual focus on Indian FinTech to look at Indian Fintech with a Latin American lens. We are joined by special guests Julio Vasconcellos and Ana Martins from Atlantico, who share their impressions of Indian Fintech and how it contrasts with the Fintech ecosystem of Latin America. Here’s …
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EP068 - PA-CB - In conversation with Reeju Datta, Co-founder, Cashfree
24:11
24:11
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24:11As India’s e-commerce landscape continues to boom, ranking 9th in global cross-border growth, companies are increasingly looking for ways to streamline international payments.In this episode we dive into the dynamic world of cross-border e-commerce payments with Reeju Datta, co-founder of Cashfree. Reeju offers a behind-the-scenes look at how Cashf…
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EP067 - Credit Line on UPI - In conversation with Sivaram Kowta, President - Banking, Zeta India
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40:26
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40:26UPI is expanding at a remarkable pace, processing around 14 billion transactions each month. However, the introduction of Credit Line on UPI holds the potential to supercharge this growth, unlocking a staggering $1 trillion payment value opportunity by 2030. As part of our ongoing series on Credit Line on UPI, we sat down with Sivaram Kowta, Presid…
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EP066 - Credit Line on UPI - In conversation with Gaurav Mittal, CEO & Co-Founder, Vegapay
19:01
19:01
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19:01It has been about a year since the Credit Line on UPI was announced. We caught up with Gaurav Mittal, CEO and co-founder of Vegapay, to understand what has happened in this space in the year gone by and what are some of the technology considerations for launching such a successful product. In the episode we discussed: 💸 Credit Lines and the role of…
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EP065 - National Fintech Day Special - Fintechs & MSMEs
44:47
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44:47In this special episode of India Fintech Diaries, we celebrate National Fintech Day with a deep dive into the role of fintechs in supporting MSMEs, the backbone of India's economy. Our guests, Kumar Shekhar, Deputy Country Manager of Tide India, and Sundeep Mohindru, CEO,Promoter and Director of M1xchange, share their insights on the challenges and…
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EP064 - GenAI - In conversation with Ankit Ratan, Co-Founder, Signzy
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45:37In our next episode on AI, we spoke with Ankit Ratan, Co-Founder Signzy. Ankit helped us understand and answer the important question of how GenAI is helping banks with compliance and regulators with monitoring compliance. In our conversation we discussed: 🤖 GenAI and Financial services use cases in India ⚙️ SupeTech and GenAI 🔑 Key considerations …
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EP063 - GenAI - In conversation with Anant Gupta, FSI Head, Google Cloud India
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30:59In our latest episode on AI, we spoke with Anant Gupta, FSI Head, Google Cloud India to better understand how AI use cases are implemented on the cloud and how financial services firms could leverage the cloud to bring AI use cases to life. During our conversation we discussed: 🤖 GenAI and Financial services use cases in India ⚙️ Implementing AI us…
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EP062 - GenAI - In conversation with Raoul Nanavati, Co-founder & CEO, Navana
26:50
26:50
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26:50Generative AI is rapidly transforming many industries across the globe and financial services is one of them. To better understand the impact of GenAI and AI in general on the financial services space, our next few episodes will be focused on speaking to companies and leaders in this space. To begin unpacking this topic we spoke with Raoul Nanavati…
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EP061 - Wealthtech - In conversation with Ridhi Doongursee, Co-founder LXME
26:20
26:20
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26:20Did you know that 95% of women did not access any financial platform? To understand what are some of the barriers to financial product adoption among women and how fintechs can help solve this, we thought that it would be a timely topic to deep dive into on International Women’s day. To help us unpack this topic we spoke with Ridhi Doongursee, Co-f…
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DLAI Fintech Conclave 2024 - Empowering Women: Closing the Credit Gap
32:29
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32:29This Friday is International Women’s Day, and we thought that in our next episode in the DLAI Fintech Podcast Series, we would discuss the important issue of the credit gap between genders and how we can bridge it. To shed more light on the issue and provide insights on solutions, we spoke with Puneet Gupta, Co-Founder of Kaleidofin. We discussed: …
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DLAI Fintech Conclave 2024 - Digital Lending Guidelines: One Year Later
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24:08In Sep 2022, the RBI announced the Digital Lending Guidelines which had a profound impact on the digital lending landscape in India. Now over one year later we unbox what this has meant for the ecosystem with our special guest Sanjay Khan Nagra, Partner, Khaitan & Co. In the episode we discussed:🏛️ Recap of the Digital Lending Guidelines📜 Impact on…
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DLAI Fintech Conclave 2024 - Artificial Intelligence in Fintech
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40:30
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40:30In our next episode in the DLAI Fintech Conclave 2024 podcast series, we examine Artificial Intelligence and how it's powering new and old use cases in financial services. To unpack this, we were joined by Anuj Kacker, Co-Founder of Freo and Neeraj Gupta, Managing Director of Branch International. We discussed: Use cases of AI in Financial Services…
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DLAI Fintech Conclave 2024 - SRO and it’s implications for Fintech
22:01
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22:01We are back with a special podcast series in collaboration with the DLAI Fintech Conclave 2024. In the first episode in the series we caught up with Jatinder Handoo, CEO of DLAI on the recently announced framework for Self Regulatory Organizations (SRO) and its implications for Fintechs. We discussed: What is an SRO? Salient features of the SRO fra…
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EP060 - Wealthtech - In conversation with Satyen Kothari, Founder & CEO Cube Wealth
44:39
44:39
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44:39In the last few years the entire landscape of retail investing in India has changed. From being able to invest in stocks at the click of a button to opening an FD digitally to being able to invest in new avenues like invoice factoring, P2P lending, alternative assets etc. the Indian retail investor has come a long way. We spoke with Satyen on what’…
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EP059 - What’s in store for Indian Fintech in 2024?
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21:05
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21:05After an absolutely interesting 2023, we were wondering what's in store for 2024? To answer that question we spoke with Jatinder Handoo - CEO of the Digital Lenders Association of India, Dhirendra Mahyavanshi - Co-founder of Turtlemint, Rajesh Mirjankar - MD & CEO at Kiya.ai and Satyen Kothari - Founder and CEO of Cube Wealth. We spoke with them ab…
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EP058 - 2023 Retrospective with Navin Surya
51:57
51:57
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51:572023 was indeed a roller-coaster year for Fintech in India, with several interesting developments across the entire spectrum of Fintech Subsectors in India. To recap the most interesting and important developments of the year we caught up with Navin Surya, Fintech Thought Leader, Mentor and Investor. We spoke with Navin about: 💰 Fintech Funding in …
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EP057 - WealthTech - In conversation with Saurabh Jain, Co-Founder, Stable Money
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30:56
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30:56Last week the SENSEX breached the historic 70,000 mark. This week was a different story, with the market displaying high volatility and even losing 931 pts on 19 Dec. With this amount of volatility, what avenues are available for investors seeking more steady and sedate returns? To discuss this we caught up with Saurabh Jain, Co-founder of Stable M…
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EP056 - Fintech regulations - Self Regulatory Organizations
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45:09
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45:09Last month, during the monetary policy announcement, the Reserve Bank of India (RBI) Governor Shaktikanta Das indicated that the RBI would issue an Omnibus framework for Self Regulatory Organizations or SROs. But what exactly are SROs? And how can they change the way Fintech is regulated in India? To understand this and more we spoke with Shivashis…
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EP055 - In Conversation with Anand Kumar Bajaj, Founder, MD & CEO - PayNearby
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42:45
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42:45According to the IMF, India is on track to achieve the milestone of becoming a $5 trillion economy by 2027. As India pursues this ambitious growth trajectory, ensuring equitable development and prioritizing financial inclusion is crucial. To gain deeper insights into the driving forces behind India's financial inclusion agenda, we recently had the …
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EP054 - Payments - In Conversation with Ketan Patel, Co-founder & CEO, Mswipe
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18:02
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18:02As digital payments have expanded across India, increasing penetration of payment acceptance across India has become all the more important. To discuss the current state of the payment acceptance landscape and how acquirers can continue to be relevant, we caught up with Ketan Patel, Co-founder and CEO of Mswipe. We spoke to Ketan about: 💸 The curre…
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EP053 - Payments - In Conversation with P.T. Suresh, Founder - PayCraft
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40:01Today India has probably an addressable market of $10Bn+ for transit payments, but still a significant amount of Transit payments are in cash. But what if this could change? How would this impact the lives of millions of daily commuters in India? We caught up with P.T. Suresh, Founder, PayCraft to answer these questions and understand the evolution…
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EP052 - Lending - In Conversation with Neha Juneja, Co-founder & CEO, IndiaP2P
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25:27
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25:27P2P lending is emerging as an asset class as investors try and diversify their portfolios. But what goes on behind the scenes at a P2P lender? And how can P2P lending be a force for good? Join us in our latest episode as we speak with Neha Juneja, Co-founder and CEO of IndiaP2P to learn more about this fascinating facet of lending. In our discussio…
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EP051 - Lending - In Conversation with Mohit Bedi, Co-founder, Kiwi
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39:40Credit is about to witness a groundbreaking disruption, and we're at the forefront of it. In our latest episode, we unveil how Credit on UPI is set to revolutionise the Credit card industry in India. 💳 Join us for this game-changing conversation with our special guest, Mohit Bedi, Co-founder of Kiwi, as he shares invaluable insights into this innov…
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EP050 - In Conversation with Deepak Naragund, Co-founder & CFO, UpCap
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23:01Join us for an insightful journey into niche lending and lending adjacent products in the next episode in the series! This time, we're delving deep into the intersection of investing and invoice discounting. We caught up with Deepak Naragund to better understand how UpCap is taking a fresh take on Invoice discounting. In our discussion we cover : ❓…
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EP049 - Lending - In Conversation with Lakshmi Ravindran, COO, Invoicemart
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34:24Join us for an insightful journey into niche lending and lending adjacent products in our second episode! 📚 This time, we're delving deep into the fascinating world of Trade Receivables discounting. 💼 We had the privilege of sitting down with Lakshmi Ravindran, COO of Invoicemart, who shares valuable insights on what TReDS is and the problems it so…
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EP048 - Lending - In Conversation with Sumit Chhazed, Co-founder and CEO, OTO Capital
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54:34
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54:34We are kick starting a new series that looks at lending products that are laser focused on specific niches. In this series, we zoom in on niche lending products that are transforming the way Indians access mobility. Our first guest is Sumit Chhazed, Co-founder and CEO of OTO Capital, a fintech startup that offers innovative two wheeler financing so…
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EP047 - SamvAAd - In Conversation with B.G. Mahesh, Co-founder & CEO, Sahamati
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32:00In this episode we welcome back B.G.Mahesh, Co-founder & CEO at Sahamati. We have a candid discussion with Mahesh on how the rollout and traction of AA has been over the last few years and get a sneak peek into SamvAAd, India’s first AA conference. In the episode we discuss: 🚀 Traction of AA so far 💬 Feedback from Stakeholders 💰 Emerging innovative…
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EP046 - ONDC - In Conversation with eSamudaay
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43:13Welcome to the latest episode of our ONDC series! This week, we're diving into the world of Seller Apps and their potential to drive economic growth in India. To gain a deeper understanding, we spoke with Medarisha Lyngdoh, Co-founder and COO - eSamudaay and Ravinder Singh Mahori, Co-founder and CTO - eSamudaay. In a free-wheeling discussion on the…
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EP045 - ONDC - With Sanjeev Kumar, Co-Founder, ED & CEO at Spice Money
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28:28Welcome to the latest episode of our ONDC series! This week, we're diving into the exciting world of Buyer Apps and their potential to drive economic growth in India. To gain a deeper understanding, we had the pleasure of speaking with Sanjeev Kumar, the Co-Founder, ED & CEO at Spice Money. In this insightful conversation, Sanjeev shared his perspe…
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EP044 - ONDC - With Susmit Patodia, Director, Antler India
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27:02In our latest episode, we delve into the world of digital commerce and explore the Open Network for Digital Commerce (ONDC), a revolutionary concept that has the potential to transform the ecommerce landscape in India. Our guest, Susmit Patodia, Director at Antler India, provides expert insights on the disruptive power of ONDC and its implications …
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DLAI Fintech Conclave 2023 Podcast - A Recap
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17:15In our final episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Presha Paragash, CEO of Credit Saison India. Presha had a candid conversation with us on: What’s exciting about India as a market for Digital Lending Key highlights from the Fintech Conclav…
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DLAI Fintech Conclave 2023 Podcast - Data Protection and Fintechs
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28:05Data protection and privacy are the forefront with the recent guidelines on digital lending from the RBI and impending Digital Data Protection Bill. To help understand this crucial area better, in our fourth episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up…
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DLAI Fintech Conclave 2023 Podcast - Demystifying Integrated Finance
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29:06In our third episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we caught up with Anurag Jain, Founder of KredX and Executive Committee Member, DLAI, We discussed: What integrated or embedded finance means Use cases and value pools for integrated finance The role played …
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DLAI Fintech Conclave 2023 Podcast - Serving the Next 100 Million
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36:39In our second episode in this collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the #DLAIFintechConclave23, we discussed the very important topic of financial inclusion and what it means for both consumers and small businesses. We caught up with Sucharita Mukherhjee, Co-founder and CEO, Kaleidofin and Manish Luni…
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DLAI Fintech Conclave 2023 Podcast - What's in store for Digital Lending in 2023?
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25:10We are kicking off 2023 with a special series collaboration with the Digital Lenders Association of India (DLAI) on the occasion of the DLAI Fintech Conclave 2023. In the first episode in the series we caught up with Sashank Rishyasringa, co-founder of axio and President of DLAI on what’s in store for digital lending in 2023. We discussed: What hap…
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EP043 - 2022 Retrospective - With Osborne Saldanha, Principal, EMVC
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1:00:52This year has been a roller coaster ride for Indian Fintech. Join us as we take a look back at the Year that was with our special guest, Osborne Saldanha from EMVC. In the episode we discuss: Funding and the funding environment Regulatory changes in the year M & A, new fintech ideas and the macro environment Our views on what 2023 holds for Indian …
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EP042 - TechFin - In conversation with Anup Nayar, CEO-Domestic, In-Solutions Global
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25:50Over the last five years UPI has revolutionised how Indians pay digitally. Last month, UPI actually crossed 7 billion transactions in a single month !!! This week we have Anup Nayar, CEO - Domestic, In-Solutions Global to discuss the meteoric rise of UPI and how firms like In-Solutions Global (ISG) are playing a key role in that journey. In our con…
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EP041 - Fintech Investments - In conversation with Melissa Frakman, CEO & Founding Partner, Emphasis Ventures
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31:57Continuing in our series on Fintech Investing we caught up with Melissa Frakman, CEO & Founding Partner of Emphasis Ventures. In this episode with Melissa, we discuss : Melissa’s background and long standing links with India Her views on the evolution of Indian Fintech Interesting comparison & contracts with US Fintech Her approach to early stage v…
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EP040 - Fintech Regulations - In conversation with Mathew Chacko, Partner - Spice Route Legal
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39:29A lot changed in the Indian Fintech world as new regulations were introduced by the RBI in the past few months. To decode the impact of these changes and understand the way forward, we caught up with Mathew Chacko, Partner - Spice Route Legal. In our conversation with him we discuss : Impact of regulations on various models like PPI, BNPL, Digital …
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EP039 - Fintech Investments - In conversation with Sandeep Patil, Partner, QED Investors
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33:40What’s happening in the world of Fintech Investing? How are venture capitalists approaching investments in these turbulent times? Are they still gung-ho on India? To answer this and more, we caught up with Sandeep Patil, Partner and Head of Asia at QED Investors. In our discussion, we spoke about: Funding Landscape in India Impact of regulations QE…
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