The India FinTech Diaries

Most Indians buy insurance with a simple expectation: pay premiums today and receive support when a crisis strikes. But what happens when a claim gets delayed, partially settled, or rejected altogether? In this episode of India FinTech Diaries , we speak with Shilpa Arora , Co-founder & COO of Insurance Samadhan , one of India's largest insurance grievance redressal platforms. Shilpa share...

Despite instant UPI payments, real-time notifications, and API-first financial infrastructure becoming normal in India, cross-border payments remain surprisingly broken for many exporters and global-first businesses. In this episode of India FinTech Diaries , we sit down with Anand Balaji , CEO & Co-founder of Xflow , to unpack why international money movement is still plagued by opacity, dela...

In this episode of India FinTech Diaries, we explore a quietly emerging shift in India’s investment landscape: the rise of fixed income as a retail asset class. While equities and mutual funds have become mainstream, fixed income—despite offering predictable returns and portfolio stability—has remained largely inaccessible to individual investors. To unpack this, we speak with Vineet Agarwal, Co-f...

In this episode of India FinTech Diaries , we dive into one of the most under-discussed—but critical—layers of the lending stack: debt collections . As digital lending in India scales rapidly, especially in unsecured credit, the stress is increasingly showing up not in underwriting—but in collections . Traditional systems, built for a low-volume, high-touch world, are now struggling to keep up wit...

In this episode of India FinTech Diaries, we unpack one of the most urgent challenges facing digital finance today: fraud at scale. With cybercrime cases in India crossing 36 lakh in 2024 and losses exceeding ₹22,000 crore, fraud is no longer an edge case—it’s a systemic risk. To decode how fraud has evolved and what institutions must do next, we speak with Venkat Srinivasan, Chief Analytics and R...

In this episode of India FinTech Diaries, we sit down with Amit Majumdar, Group Strategy Officer, Angel One, one of India’s fastest-growing WealthTech platforms. Trusted by over 3Cr clients, Angel One is blending cutting-edge tech with deep market insights to make wealth creation accessible to everyone. Key Highlights: 📊 Democratizing WealthTech : Angel One’s focus on taking investing beyond metr...

In this episode of India FinTech Diaries , we draw fascinating parallels between India’s Payment Banks experiment and the US’s GENIUS Act , designed to regulate stablecoin issuers. Both initiatives aim to create safe, inclusive financial systems—but as we explore, they also share similar scaling challenges that can make or break their success. Key Highlights: 🏦 Payment Banks 101 : Why they were l...

In this inspiring episode of India FinTech Diaries , we sit down with Shweta Pandey , co-founder and CEO of ARTH , to explore how inclusive fintech is being built—one village, one woman entrepreneur at a time. ARTH isn’t just a lender; it’s a phygital platform blending digital convenience with on-ground trust, designed specifically to support women-led nano and micro businesses across India. Shwet...

In this future-forward episode of India FinTech Diaries , we sit down with Aishwary Gupta, Global Head of Payments at Polygon Labs , to unpack what comes after UPI . With stablecoin legislation gaining traction globally and Web3 infrastructure maturing rapidly, this episode explores what India’s next-generation payment rails could look like in a programmable, tokenized future. Here’s what you’ll l...

In this episode of India FinTech Diaries , we sit down with Sanjay Tripathy, Co-Founder & CEO of BRISKPE , to explore how they’re solving one of the most complex challenges faced by Indian MSMEs—cross-border B2B payments. From opaque processes and costly fees to regulatory hurdles, cross-border trade remains a daunting space for exporters and service providers alike. Sanjay shares the BRISKPE...

In 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 insurance is sold to training a new generation of financi...

In 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 on how Skydo is breaking down the barriers of tradi...

In 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 as a key driver of this transformation. However...

Carrying 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 evolved in the last five years, from post-pandemic r...

In 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 systems are revolutionizing the way commuters travel glo...

In 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. With such a vast pool of data, Neha provides invalua...

In 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 forefront of it. Here are the key highlights: 💡...

In 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 the progress made since launch. We discussed: 📈...

In 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 with points innovation ⚔️ Challenges in building...

In 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 intricacies of credit card ecosystems and the digit...

In 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 what we talked about: 🔥 The Indian Entrepreneuria...

As 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 Cashfree has been a game-changer in this space, helpin...

UPI 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, President of Banking at Zeta India, to delve deeper into...

It 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 third party apps ⚙️ Tech stack and regulations...

In 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 opportunities faced by MSMEs in accessing ban...