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Build Cashflow, Not Hype: Abhi’s Liquidity Playbook

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Manage episode 505307297 series 3333728
Content provided by Arjun Singh. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Arjun Singh or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Most fintechs chased hype. Abhi chased cash flow.
In this episode of Couchonomics with Arjun, we sit down with Omair Ansari, Co-Founder & CEO of Abhi, one of Pakistan’s fastest-growing fintechs.
Abhi began with earned wage access, giving workers instant liquidity. Today, it has scaled into payroll financing, SME lending, and invoice factoring — and even acquired a licensed microfinance bank in Pakistan to materially lower its cost of funds.
We explore:
- Why profitability and cost of capital decide who survives fintech’s winter
- How Abhi scaled from earned wage access into a full-stack working capital platform
- Pakistan as the anchor, GCC as the growth frontier
- The real potential (and limits) of tokenization & private credit
- Why licences and compliance, not glossy apps, are the true moat in fintech
- How embedded finance at payroll and receivables lowers costs and expands inclusion
This is more than a growth story — it’s a blueprint for building durable fintech in emerging markets.
🎧 Full episode now streaming on YouTube, Spotify & Apple Podcasts.
Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
00:59 Welcome to Couchonomics
02:19 FinTech Evolution and Market Dynamics
06:28 Business Model Adaptations
12:21 Manual Operations and Testing
14:34 Credit Models and Market Realities
17:24 Funding and Capital Challenges
23:54 Regulatory Landscape and Innovations
27:38 Navigating Regulatory Challenges
29:14 The Debate on Fintech Regulation
32:07 Embedded Finance: Progress and Challenges
35:24 The Future of Banking and Fintech
38:44 Crypto and Digital Assets in Emerging Markets
43:27 Expanding into Pakistan: Opportunities and Risks
46:52 Strategic Focus and Future Vision
51:41 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0
Find us on our social media platforms:

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

  continue reading

154 episodes

Artwork
iconShare
 
Manage episode 505307297 series 3333728
Content provided by Arjun Singh. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by Arjun Singh or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

Most fintechs chased hype. Abhi chased cash flow.
In this episode of Couchonomics with Arjun, we sit down with Omair Ansari, Co-Founder & CEO of Abhi, one of Pakistan’s fastest-growing fintechs.
Abhi began with earned wage access, giving workers instant liquidity. Today, it has scaled into payroll financing, SME lending, and invoice factoring — and even acquired a licensed microfinance bank in Pakistan to materially lower its cost of funds.
We explore:
- Why profitability and cost of capital decide who survives fintech’s winter
- How Abhi scaled from earned wage access into a full-stack working capital platform
- Pakistan as the anchor, GCC as the growth frontier
- The real potential (and limits) of tokenization & private credit
- Why licences and compliance, not glossy apps, are the true moat in fintech
- How embedded finance at payroll and receivables lowers costs and expands inclusion
This is more than a growth story — it’s a blueprint for building durable fintech in emerging markets.
🎧 Full episode now streaming on YouTube, Spotify & Apple Podcasts.
Couchonomics with Arjun Season 04 is brought to you by our partners:
Adyen https://www.adyen.com/
Thunes https://thunes.com/
Mastercard https://mastercard.com/
E& https://www.eand.com/
Digit9 https://www.digitnine.com/
SC Ventures https://scventures.io/
Hala https://hala.com/

chapters:
00:00 Episode Highlights
00:59 Welcome to Couchonomics
02:19 FinTech Evolution and Market Dynamics
06:28 Business Model Adaptations
12:21 Manual Operations and Testing
14:34 Credit Models and Market Realities
17:24 Funding and Capital Challenges
23:54 Regulatory Landscape and Innovations
27:38 Navigating Regulatory Challenges
29:14 The Debate on Fintech Regulation
32:07 Embedded Finance: Progress and Challenges
35:24 The Future of Banking and Fintech
38:44 Crypto and Digital Assets in Emerging Markets
43:27 Expanding into Pakistan: Opportunities and Risks
46:52 Strategic Focus and Future Vision
51:41 Conclusion and Final Thoughts

Our website 👉 https://bit.ly/3jk7UH0
Find us on our social media platforms:

Subscribe to Arjun's LinkedIn newsletter, Couchonomics Crunch: https://bit.ly/3WI4A6E

  continue reading

154 episodes

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