
Fintech Ki Baat
By by Shreyas Jani

Fintech Ki BaatMay 11, 2023

5 Minute Fintech: Types of Fundraising explained in under 5 Minutes

5 minute Fintech - P2P lending explained in under 5 mins

What is Social Investing and Why Should you care? Ft Smita and Ram- Founders - RangDe
TIME STAMPS:-
0:55 - Origin of the name RangDe.
04:51 - What is Social Investing?
08:50 - How did Rangde impact the lives of Individuals
13:47 - How does one identify the intent to pay when the cost of borrowing is going up in the formal lending
17:55 - Issues with Repayment
20:39 - A specific set of Antidotes one needs to keep in mind
23:33 - Social Investing simplified as if one is explaining to a 5 y/o
26:07 - Vision of RangDe
27:40 - Rapid Fire Round

Building India’s first P2P Social investing Platform with Smita Ram & Ramakrishna - Part - 1

Fundraising WITHOUT divulging Equity?😱 Here’s how you can do it!!
Join us as we sit down with Bhavik Vasa, the visionary Founder & CEO of GetVantage, a leading fintech startup revolutionizing access to equity-free working capital, business optimization tools, and a vibrant founders community. In this interview, Bhavik shares the fascinating origin story behind the name GetVantage. He even walks us through the customer journey once we onboard the platform. He also provides invaluable insights & antidotes for startup success, and we wrap up the conversation with a rapid-fire round of questions. ! TIME STAMPS:- 0:55 - Origin of name GetVantage 1:29 - What is GetVantage into? 07:42 - What is the customer journey once he onboards the GetVantage Platform? 11:38 - If you were to explain Fund Raising to a 5-year-old kid how would you define the term 24:55- How should one identify which type of funding to opt for? 29:19 - Unique antidots one should keep in mind 39:40 - How does Bhavik see this Industry now that it has access to sustainable non-diluted capital for the next 5 years. How do you foresee the ecosystem differently? 44:45 - Rapid Fire Round

Founder'S Story With Mr. Bhavik Vasa Founder & CEO of GetVantage
Check out our exclusive Interview with Mr. Bhavik Vasa Founder & CEO of GetVantage the leading fintech startup revolutionizing access to equity-free working capital, business optimisation tools & a thriving founders community! In this captivating conversation, Bhavik takes us on a journey through his entrepreneurial path, sharing his earliest memory of starting up & the challenges he faced along the way. From humble beginnings to a game-changing platform, Bhavik's story is one of resilience & determination. Ever wondered how Bhavik manages to stay sane amidst a fast-paced & demanding business environment? TUNE IN AS HE UNVEILS HIS SECRETS TO MAINTAINING BALANCE, STAYING FOCUSED & THRIVING IN THE FACE OF ADVERSITY. DON'T MISS OUT ON LEARNING FROM THE BRIGHTEST MIND IN THE INDUSTRY! TIME STAMPS:- 01:24 - Who & How is Bhavik Vasa as a person? 02:24 - Earliest Memory of setting foot in the world of business 06:36 - What is that drives a specific community i.e. Gujrathi, Marwadi that drives entrepreneurial bug inside them? 11:00 - What did you start with & came to a point where in you decided to end up in a startup? 25:05 - Your most humbling moment 29:13 - Go to disconnecting technique to remain sane 33:02 - One Mistake you think you could have avoided or done differently

Unravelling the Journey of will writing in India
In this segment, Vishu shares valuable insights about the will-making process in India and why Aasaanwill should be your go-to platform for all your will-related needs. Tune in now to gain a deeper understanding and make informed decisions! Vishnu also sheds light on the intricacies of the will-making process in India, making it easier for our listeners to navigate this important aspect of estate planning. From its humble beginnings to becoming a trusted name in the Industry, Aasaanwill has revolutionised the way wills are created and managed. Vishnu's unwavering commitment to providing a simple, convenient and accessible solution has made Aasaanwill the go-to platform for countless individuals and families. Don't forget to subscribe to our podcast channel and take a step towards securing your legacy today! TIMESTAMPS:- 0:29 - What's with the name and the reason for naming it as Aasasnwill 03:06 - Why choose Aasaanwill for will-making? 12:56 - What is the current will-making process in India? 17:36 - What is one's end-to-end Journey with Aasaanwill? 27:36 - How do you see yourself and Aasaanwill evolving in the world of technology?

Founder's Story with MR. Vishnu Chundi Founder & CEO of AasaanWill
Join us as we deep dive into a Captivating conversation with Vishnu Chundi, the brilliant mind behind Aasaanwill. In this episode, Vishnu shares his inspiring journey as the founder of Aasaanwill and sheds light on the importance of wills in today's world. Vishnu reflects on the fascinating differences in the mindset of customers between London & India. He even talks about the spark that ignited Vishnu's Entrepreneurial Journey. Curious about what inspired vishnu to embark on this transformative journey?? Tune in now to gain a deeper understanding of the importance of wills, the differences in customer mindset and the valuable lessons learned during the startup journey. TIME STAMPS:- 02:55 - Let's know a bit more about the founder of Aasaanwill. 05:50 - What inspired Vishnu to take the Plunge? 09:26 - Journey of building Aasaanwill & difference in building an startup in London vs. In India. 15:23 - At what point while building Aasaanwill you were sure this is going to work out pretty well. 22:40 - How do you balance out the work stress? 28:11 - What is the biggest mistake you have made so far as a founder of Aasaanwill.

Digital Transformation in Life Insurance sector, with Mr.Satishwar B, MD and CEO of Aegon Life.
In this Captivating episode of our podcast, we had the privilege of hosting CEO & MD of Aegon Life as he shares his personal story, shedding light on the challenges he faced and the pivotal moments that shaped his career. From his early days in the Insurance Business to his rise as a leader, his experience inspires aspiring professionals. One of the key topics that Mr. Satishwar delves into is the impact of Digitalization on the Insurance Sector and how did he go about it. He provides valuable insights into how technological advancements have revolutionised the way insurance products are offered, purchased and serviced. With a keen eye for innovation, he discusses the major challenges faced during his transformative period and how Aegon Life adapted to stay ahead of the curve. TIMESTAMPS:- 01:12 - How did your journey of Aegon Life Begin? 13:12 - Be it ICICI, BOB or Aegon Life how was your Journey of Building Aegon Life from scratch to one? 16:44 - What does it take to build a Digital Insurance business from the grounds up? 21:33 - Digitalisation started after mid covid so what are the challenges that are causing a slight lag there? 30:22 - Major Challenges stopping in a lot of startups into the Insurance Space 41:33 - How does Digitalisation play a role in changing Modern India? 51:29 - Rural vs. Urban India 59:29 - Which emerging technology excites you the most

Unravelling Digital lending and FLDG on Dhande ki baat with Akshay Mehrotra Co-Founder & CEO of Fibe

The Founder's Story with Mr. Akshay Mehrotra Co-Founder & CEO of Fibe (EarlySalary)
In our latest podcast, we had the pleasure of hosting Mr. Akshay Mehrotra the Resilient Entrepreneur who turned his dreams into reality ! He shared his remarkable journey highlighting the challenges he faced, the mistakes he made and the invaluable lessons he learnt building Fibe. From Humble beginnings to a thriving startup. Akshay recounted how he navigated the entrepreneurial landscape, even in the face of adversity. He candidly shared his experience of encountering a staggering 129 rejections before finally achieving success. His unwavering determination & refusal to give up serve as an inspiration to all aspiring entrepreneurs out there! Don't miss out on this inspiring conversation with a true trailblazer! Timestamps:- 03:50 - What made you think let's do something of your own? 09:24 - After having so many rejections at 129th what magic happened and you raised 3 successful fundraising rounds? 11:15 - Your most humbling moment 15:27 - Advice for budding entrepreneurs to cope with stress 17:38 - Your Biggest Mistake 19:44 - 3 don'ts for budding Entrepreneurs.

ONDC A DEEP DIVE - Understanding the Use Cases & Impact

Dhande Ki Baat With: Vineet Agrawal Co-Founder of Jiraaf | All about Alternative Asset Classes!

Inspiration,Tips & Humbling Moments: Founder of Jiraaf Mr Vineet Unveils His Entrepreneurial Journey
We had the pleasure of featuring Mr. Vineet Agrawal the Visionary Co-Founder of Jiraaf. Vineet shared his inspirational Journey, shedding light on what inspired him to take the plunge into the world of Fintech. Vineet talks about his inspiring journey as an entrepreneur and his experiences of raising capital for his startup. He also imparts valuable dos and don'ts for budding entrepreneurs. Join us as we delve into Vineet's Journey and gain inspiration for our own venture! TIMESTAMPS:- 01:29 - Self Introduction and What is Jiraaf Into? 04:59 - What Jiraaf does? 08:11 - What inspired you to take the Plunge? 10:28 - Experience raising 1st Round of Funding 12:04 - One tip to founders looking to raise capital at the idea stage. 14:33 - Most Humbling moment that you faced & make you challenge everything you knew about Fintech 18:30 - How do you stay sane? 21:50 - Let's talk about Sop's 23:32 - One of the Biggest mistakes 26:29 - If you had 1 Billion $ on the day you started your business what, would you have done differently? 28:42 - Top 3 don'ts for budding Entrepreneurs. Watch out the full podcast episode now and get ready to be inspired! Stay tuned for future episodes till will leave you motivated and ready to conquer your own entrepreneurial dreams!

The MSME problem,Solving for the least digitised segment across southeast Asia with Kernel Finance
Beka also shares invaluable insights into the MSME industry in India and evolving economies across India and South East Asia.
KEY TAKEAWAYS:
- In this episode, you will gain a deeper understanding of the MSME Industry, the Importance of Financial Inclusion, and the Potential economic growth of South East Asia.
Don't miss this incredible opportunity to hear out from an exceptional entrepreneur. Tune in now !!
CHAPTERS :
00:41 - What is the origin story of the name Kernal Finance?
07:23 - Global landscape with respect to the startup ecosystem
12:14 - Insights on African Economy
14:40 - Explain Working Capital, to a 5-year-old kid, 12th Grad Student
25:03 - How is Emerging technology playing a role in Digitalization?
32:50 - How is MSME Industry evolving outside India?
35:34 - Rapid Fire Round

From Georgia to India, A journey of simplifying the lives of MSMEs across the Globe
We had the privilege of hosting a remarkable entrepreneur Mr. Beka Dalakishvili the visionary founder of Kernal Finance. Beka shared his fascinating journey and what inspired him to take the plunge into the world of fintech. He affectionately refers to himself as "Finance Walla" Beka shared some invaluable tips for Budding Entrepreneurs, What made him enter into the Indian Msme Segment, and Some of his Learnings. To hear more about Beka Dalakishvili Journey and his Mission to simplify finance for business tune in to our latest podcast episode. CHAPTERS : 01:23 - What is Kernel Finance Into? 06:48 - What inspired you to take the plunge? 09:45 - What has been the most humbling moment that made you challenge everything you know? 11:40 - How did you identify it's time to shut down your previous startup? 14: 24 - How do you keep sane given a founder has to del with so much stress 17: 43 - One of your Biggest Mistake? 20:38 - If you had 1 Billion Dollar in your Account on the day 1 you started your business how would you have done things differently? 22:53 - Top 3 Don't for budding entrepreneurs?

ONDC Explained | Analysing The Impact on India & Bharat
In this Panel Discussion, we talk about
ONDC's significance, its impact on customers at the retail level, and its transformative role in shaping Bharat - the very essence of India.
With its accessible and seamless services, even in remote areas, ONDC is bridging the digital divide and creating new opportunities for entrepreneurs and local businesses. The result? A thriving Bharat that stands at the forefront of digital progress.
Make sure to like, share, and subscribe to our channel for more captivating discussions on cutting-edge technologies and their impact on society. Stay curious, embrace innovation, and be a part of India's remarkable digital revolution!
CHAPTERS:-
05:10 - What is ONDC?
08:24 - Impact of Interoperable Platforms / Networks on Economies like India
11:26 - How do you see Ondc's growth in a more globalized India?
14:13 - How do you look at ONDC from a transitional perspective?
19:40- How is ONDC affecting the Customers at the retail level?
25:17 - ONDC impact on end retail Consumers in Bharat.
29:19 - What are the new use cases being explored?
32:58 - What can act as a differentiator for startups who are onboarding sellers?
35:00 - What makes one believe that ONDC will be really successful given the fact there are so many e-commerce companies who have tried to work with the Bharat segment?
44:46 - How do you see the Financial Intersection of ONDC ?
51:46- Most exciting use case of ONDC.

Understanding Decentralised Digital Currencies and it’s future in India|With Sathvik-CEO - UNOCOIN

From selling Domain names to building India's oldest & largest Crypto Platform !

What does it take to make a robust collection mechanism for Bharat!- With Anand Agarwal - Credgenics

From 0-2M revenue in 6 months A Journey of building a platform that’s changing the Collections game.
In this segment, he talks about his 'entrepreneurial journey and learnings of building a startup.
To learn more about Credgencis, stay tuned for Part-2 named "Dhande Ki Baat" !!!

FinTechs as Catalysts: Boosting the Climate-Tech Movement in India

Unlocking the potential of debt for retail Investors Dhande Ki Baat with Ajinkya Kulkarni, Founder - Wint Wealth
In this episode of Fintech Ki baat podcast we have Ajinkya Kulkarni, Founder of Wint Wealth with us.
Wint Wealth is a platform for retail Investors to invest in assets that give higher fixed deposit that are less risky than equities.
In this segment "Dhande Ki Baat "- A Business Deep Dive, we talk about the evolving Indian Debt Markets, how can retail investors leverage the power of debt to attain their goal of financial freedom and how fintech is changing the industry dynamics.

How does this Indian Fintech Platform generates 9-11% fixed returns for Retail investors ? - Founder's Story with Ajinkya Kulkarni, Founder and CEO - Wint Wealth
In this segment "A Founder's Story" he talks about his roller coaster ride of an entrepreneurial Journey which is one of Perseverance, Innovation, Failures and Growth.
To learn more about Wint Wealth and what it does stay tuned for the next segment "Dhande Ki Baat" where we explore the all neew asset classes and tell you how you can invest in the same!!
The best is yet to come!
Fintech Ki baat Is a unique fintech podcast covering the fintech ecosystem in India with the aim to demystify and simplify everything fintech.
Chapters :-
00:46 Intro
01:37 Background of Ajinkya
02:10 Previous Startup
04:57 Biggest Mistakes and Learnings
05:56 Identifying the right set of co-founders
08:57 What inspired you to Start up?
10:23 How did you know this was a good idea?
11:21 Initial Validation
11:46 How to reduce CAC in a B2C Startups
12:01 Organic Growth Marketing - How and Why?
16:37 Mental Health and Well-being as a founder
21:11 The Most Humbling Moment
22:35 Take aways for Budding Entrepreneurs

Digital Asset Infrastructure and How will it change the way you borrow? Dhande Ki Baat A business Deep Dive!
Don't miss the rapid fire in the end at 22:43 !
Finsire is a Digital Asset infrastructure company that allows one to pledge any of your asset such as (Mutual fund units, FD, Gold, Shares, and more) to get a loan or credit card.
In this Segment "Dhande Ki Baat - Business Deep-Dive" we talk about Finsire and what it does stay tuned for the Part 2
of this episode!
About Finsire and Shreyans:
medium.com/@shrey_finsire/journey-of-a-lifetime-sweet-and-essential-as-salt-5967b11a41b6
Finsire Website: finsire.com/
Subscribe to Fintech Ki Baat Podcast: www.youtube.com/@fintechkibaatdilse9051?sub_confirmation=1
Timestamps:
00:19 Origin of the name
01:36 The Problem Statement?
04:25 Marwadi Families and Business
06:51 Impact on Retail consumers?
09:03 Democratising Leveraging!
09:15 Impact on Distribution of Financial Services?
13:25 Why should one Leverage?
17:21 Way Forward?
22:43 Rapid Fire!!!
Follow Us :
Spotify: open.spotify.com/show/3rZRqOGWDVVxBjAanlC440
Apple Podcast: https://podcasts.apple.com/in/podcast/fintech-ki-baat/id1561667914Fintech, Fintech Podcast, Fintech explained , Startups, Startup Ideas

(Credit Card Against Assets?) Changing the way Bharat Borrows, with Shreyans Nahar Founder - Finsire, Part 1 Founder's Journey.
Finsire is a Digital Assets Infrastructure platform that allows one to pledge any of your asset such as (Mutual fund units, FD, Gold, Shares, and more) to get a loan or credit card.
In this Segment "The Founder's Story - An entrepreneurial journey" of first episode we talk more about Shreyans's entrepreneurial journey and learnings of building a fintech startup in India.
To learn More about Finsire and what it does stay tuned for the Part 2 of this episode "Dhande Ki Baat - Business Deep-Dive"
Shownotes
00:00 Intro
00:40 Founders Background
04:01 Marwadi Families and Business
06:37 Motivation to startup
13:49 What is finsire ?
14:30 Why did you build in India?
18:02 The Most Humbling moment?
21:37 How many times did you feel low?
24:26 A founder and his mental health

Host's Note for Season 2
Shreyas Jani (00:02.498)
Hello and welcome to a brand new season two of the FinTech ki Baat Dil Se podcast.
Your one stop shop for everything FinTech.
From latest news to deep dive into business models, we've got it all.
So be sure to like, share and subscribe to stay updated.
Now here's what's new. We are introducing three new segments.
Which means that each conversation that we'll have with the founders will essentially be divided into three different segments and then will be recorded and released separately. Here are the three segments.
1) The first one is called the founder story and entrepreneurial journey.
This segment essentially covers a founder's journey of building their startup from scratch and talks a lot more about their ups and downs, their lows, their successes and what inspired them to start and what motivated them to persevere to build a successful business.
This segment is geared a lot more around entrepreneurship and is ideal for budding entrepreneurs or any founders who are stuck in effects and needs of motivation.
2) The second segment is called Dhande Ki Baat, the business deep dive. In this segment, we bisect and dissect complicated fintech business models and try to understand from the founders on how these models work. So we can bring to you the answer to the most commonly asked question, "Dhanda kaise hota hai?"
3) Third Segment is the Rapid Fire Round : 5 Questions, 10 Mins and a whole lotta fun.
Stay tuned for the first episode coming out soon!!
Cheers!

From Food-preneur to Fintech tycoon. In conversation with Mr Vaibhav Joshi Founder & Ceo - Easy Pay

An Ex Banker turned Fintech Magnate in conversation with Mr. Ketan Patel CEO- Mswipe

Creating a profound impact on MSME,In conversation with Hardika Shah Founder & Ceo of Kinara Capital

Changing the way MSMEs do business One loan at a time with Mr. Mayur Modi, Cofounder - CEO Moneyboxx
Mayur talks about his entrepreneurship journey,his 1st hand experience building from scratch and some amazing customer stories.

In conversation with Mukesh Kalra, Founder and CEO of ET Money
We talk about how to look at new and emerging alternate investment classes and when and how should you invest in them.
We also get to learn about Mukesh’s entrepreneurship journey and how he came to be the founder of one of the largest Neo-wealth advisory companys in India .

In conversation with Abhishek Gandhi - Founder FatakPay
Abhishek shares his inspiring Journey of building two marquee Fintech Startups of India (Rupee Circle, FatakPay),
He also Talks about why he left his illustrious career abroad to come back to India and builds for Bharat!

Building Digital India through interoperable platforms , Part-1
In today’s episode we have with us Mr.Sanjay Jain, Partner - Bharat Innovation fund.
Mr.Sanjay has played a key role in strategising the architecture of many digital platforms such as UPI, OCEN, Account Aggregation Framework etc as a part of his time volunteering with Ispirit foundation.
In this series We discuss the thought processes behind the creation, evolution and the impact that each of this platforms have created.

Empowering the youth to fulfil their dreams, In conversation with Ankit Mehra -CEO - Gyandhan
Gyandhan helps students fulfil their dreams of getting good education by providing seamless education loans.
#podcast #educationloan #startup #fintech #funding #gyandhan #loans #finance #financewithsharan

Can playing games help banks underwrite you better? In conversation with Yatir - CEO ConfirmU
Confirm you enables underwriting of New to Credit segment by assessing their personality on the basis of how they play a specifically designed game.

Enabling Credit for the next billion, In conversation with Rohit Rathi - Co-founder KarmaLife

In conversation with Ruchir Kanakia, Founder and CEO, One Assure.

Enabling financial inclusion of women, In conversation with Dr.Jasmine Gupta, Co-Founder & CEO LXME

In conversation with Mr.Amit Boni (Founder, CEO Ensuredit | EX- CEO Motorola India
In this episode we talk about the most underpenetrated financial sector of the country, Insurance and how startups like Ensuredit are working towards redefining Insure-tech for Bharat.

(Holistic Inclusion for Bharat) In conversation with Mr. Anand Kumar Bajaj, - CEO, Founder, MD - Paynearby.
What goes into building Bharat's largest network of "Digital Pradhans" ?
How does one go about making financial services available in every corner of Bharat?
We answer all this and more in Todays's episode of Fintech ki Baat Dil se, with Mr. Anand Kumar Bajaj who's the founder, CEO and MD of Paynearby technologies, builder of India's largest distributor network for Digital services.

In Conversation with Aditya Damani, Founder - CreditFair (Evolving Digital Lending Landscape in India)
In this episode of Fintech ki baat dil se, we speak with Aditya Damani, who is the founder of Credit Fair. A digital first NBFC now expanding into P2P segment through a partnership route.
Aditya talks about how credit as a segment is evolving in India and will be the most lucrative for organisations looking to create a foothold in India. He believes that India has a highest potential NTC (New to credit) customer base, majority of which is based in under-penetrated areas, which opens up huge opportunities for lenders to build and distribute innovative products to capitalise on the same. Aditya also believes that how you originate loans is equally if not more crucial than how you underwrite and is building Credit fair on the same ideology.
Tune in to deep dive and learn more about the evolving credit landscape of India with Aditya Damani.

In conversation with Aditya Damani - Founder , CreditFair

In conversation with - Kulin shah, Founder Onsurity revolutionising employee benefits for MSMEs.
In this episode we chat with Kulin Shah, Founder - Onsurity. Kulin talks about, - His inspiration for starting Onsurity. - The Problem statement they set out to solve - Challenges in building and scaling a B2B startup. - The most under penetrated insurance segment (MSME employees) - Building a superb customer experience.

In conversation with - Kulin shah, Founder Onsurity revolutionising employee benefits for MSMEs
Here's a sneak peek into our upcoming episode with Kulin Shah, Cofounder - Onsurity. India's leading Some employee wellness platform.

In conversation with Vineet Tyagi - Biz2X (evolving Digital lending landscape around the globe)
We talk with Mr.Vineet Tyagi about the evolving global lending ecosystem with Emerging technologies playing more ad more role in the underwriting of a loan through evolving LOS and LMS.

In conversation with Vineet Tyagi - Biz2X (evolving Digital lending landscape around the globe)
Here's a sneak peek into our upcoming conversation with Biz2X's CTO Mr. Vineet Tyagi

In conversation with Deepak Bhuvaneshwari Uniyal Insurance Samadhan, Featured on Shark tank India.
In this episode we have the pleasure of hosting Mr.Deepak Bhuvaneshwari Uniyal, Co-founder of Insurance Samadhan. Insurance Samadhan is a Insurtech startup that helps customers realise their claims in case they’re rejected by insurance companies on unreasonable grounds. Insurance Samadhan was featured in 1st season of Shark tank India and was funded by Piyush bansal - founder of lenskart.

Trailer | In conversation with Deepak Bhuvaneshwari Uniyal Insurance Samadhan, Shark tank Piyush Bansal funded
Here’s a sneak peek of our conversation with Mr.Deepak Bhuvaneshwari Uniyal, Co-founder of Insurance Samadhan. Insurance Samadhan is a Insurtech startup that helps customers realise their claims in case they’re rejected by insurance companies on unreasonable grounds. Insurance Samadhan was featured in 1st season of Shark tank India and was funded by Piyush bansal - founder of lenskart.

In conversation with Dilip Modi - Spice Money| Leading the Digital Financial inclusion across Bharat
Here's what we talk about:
- Overview of Financial services distribution landscape for rural India
- Financial inclusion and reconciling the adverse effects of digital divide on financial health of rural folk through “phygital” channels.
- The most difficult part about solving for Bharat and what can the industry do to solve for it together?
- Adoption of Technology based distribution in rural India and how rural India reacts
- What will be the next big tech piece to enable effective distribution of financial services in Bharat
- Awareness creation in rural india around financial services and their benefits.
- Solving for trust in rural India