Afleveringen
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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 shares a sobering reality: for many policyholders, the real challenge isn't buying insurance—it's successfully navigating the claims process.
From mis-selling and hidden exclusions to complex grievance mechanisms and claim rejections, the conversation reveals why thousands of policyholders struggle to access benefits they believed they had already paid for.
Connect with Insurance SamadhanWebsite: https://www.insurancesamadhan.com/X: https://x.com/InsuranceSamad1
LinkedIn: https://www.linkedin.com/company/insurancesamadhan
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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, delays, compliance friction, and fragmented infrastructure.
Anand takes us deep into the architecture of modern cross-border payments—from SWIFT and correspondent banking to compliance engines, FX intelligence, and programmable treasury infrastructure.
The core argument is simple but powerful:
Cross-border payments were designed for access, not experience.
And that’s now becoming a major bottleneck for India’s global-first businesses.
Key Themes from the Episode
🌍 Cross-Border Payments Are Still a Black Box Exporters still struggle with unpredictable settlement times, opaque FX conversion, missing SWIFT messages, and endless compliance workflows.
🏗️ SWIFT Solved Access — Not Experience SWIFT was revolutionary for the 1960s, but it was never designed for real-time visibility, transparency, predictable settlement, or modern UX expectations.
⚡ Domestic Payments Have Changed User Expectations UPI has fundamentally changed how businesses think about payments. Exporters now expect cross-border flows to feel as seamless as domestic transfers.
🧠 Compliance is the Real Infrastructure Layer The biggest bottleneck is no longer money movement itself—it’s AML, KYC, transaction monitoring, and regulatory orchestration at scale.
💱 FX Optimization is Becoming Intelligent Xflow is using AI-driven forecasting and programmable FX workflows to help businesses optimize conversion timing rather than just negotiate rates.
🔌 Cross-Border Payments is Becoming API Infrastructure Platforms are increasingly embedding payments natively into workflows, much like Shopify Payments runs on Stripe infrastructure.
🪙 Stablecoins Are Moving From Theory to Usage While businesses may not yet hold stablecoins as treasury assets, exporters are increasingly seeing demand from global customers who want to pay using them.
🔮 The Endgame: Cross-Border Payments That Feel Like UPI The ultimate goal is simple: international payments that are instant, predictable, trackable, and invisible in complexity.
Listen in to understand how Fintech is rebooting cross-border payments !!
Website: https://www.xflowpay.com/X: https://x.com/xflowpayLinkedIn: https://www.linkedin.com/company/xflowpay/
Connect with XFlow -
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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-founder of Jiraaf, a platform focused on democratizing access to fixed income investments.
The core idea is simple but powerful: enable retail investors to do what institutions and family offices have been doing for decades—invest meaningfully in fixed income products.
Contact Jiraaf
Website: https://www.jiraaf.com/
X: https://x.com/Jiraaf_Official
LinkedIn: https://www.linkedin.com/company/jiraafofficial/
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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 with instant disbursals and millions of borrowers.
To unpack this shift, we speak with Ananth Shroff, Co-founder & CEO of DPDzero, who is reimagining collections as a full-stack, AI-driven infrastructure problem rather than an operational afterthought.
Key Themes from the Episode
⚡ Lending Has Evolved. Collections Haven’t Loans are now disbursed in seconds—but collections infra is still built for a physical, slow, agency-led world. This mismatch is becoming a bottleneck for growth.
🧩 Collections is Still Treated as an Afterthought Despite being core to unit economics, collections is often the “stepchild” of lending—underinvested, fragmented, and operationally inefficient.
📉 Unsecured Lending = Rising Stress Signals As digital lending scales, delinquencies are increasingly concentrated in unsecured portfolios—making collections infra mission-critical.
🤖 AI + Orchestration > Channels in Silos SMS, WhatsApp, calls, field visits—all exist today, but operate independently. The real unlock is intelligent orchestration across channels, not just adding more touchpoints.
🧠 Persona-Based Collections is the Breakthrough Not all defaulters are the same. From supportive to intentional, identifying borrower intent using AI enables better recovery and better borrower experience.
⚖️ Compliance + Empathy is the New Standard With RBI tightening norms and social media amplifying borrower voices, collections must balance recovery with dignity and transparency.
🔮 The Future: Full-Stack, Intelligence-Driven Collections The next generation of collections platforms will combine AI, operations, compliance, and legal workflows into a single integrated stack.
Tune in to understand how to rebuild collections for the digital lending era !!
Contact DPDzero
Website: https://dpdzero.com/LinkedIn: https://www.linkedin.com/company/dpdzero/X: https://x.com/dpdzero -
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 Risk Officer at Bureau.
Venkat explains why modern fraud is no longer about fake documents or isolated bad actors. Instead, it’s coordinated, networked, and industrialized—powered by mule accounts, device spoofing, identity rotation, and real-time information sharing.
Key Highlights:
🕸️ Fraud has become organizedWhat once looked like individual theft now resembles syndicates operating across banks, fintechs, and marketplaces simultaneously.
🧩Siloed risk systems are breaking downKYC, fraud monitoring, AML, and device intelligence working in isolation miss the bigger picture. Unified risk decisioning is now essential.
📱 Devices are the new identity layerFrom fingerprinting to behavioral biometrics, the device has become a powerful signal—often more reliable than static identity documents.
🧠 Graph-based models are the futureBureau’s use of graph data structures helps uncover hidden networks and patterns that linear rules and traditional models simply cannot detect.
⚖️ Compliance is a guardrail, not a blockerVenkat makes a strong case for internalizing regulation as a design constraint that enables sustainable innovation, rather than treating it as a checkbox.
This episode is a must-listen for fintech founders, risk leaders, product teams, and policymakers grappling with the trade-offs between growth, friction, privacy, and trust.
Website: https://bureau.id/ -
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 metros to Tier 2/3 cities.
🤖 Tech at the Core: From AI-driven personalization to advanced analytics, technology is powering customer journeys and financial literacy.
🌐 Beyond Brokerage: Moving from being a discount broker to a full-fledged WealthTech ecosystem offering investing, advisory, and more.
🚀 Future Roadmap: Expansion into new segments, products, and personalized services to empower India’s growing investor base.
Tune in to hear how Angel One is redefining financial inclusion and wealth creation at scale.
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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 launched, their business model, and why many never scaled beyond pilots.
💸 GENIUS Act Deep Dive: Full-reserve requirements, monthly attestations, consumer protection norms, and how it hopes to make stablecoins safe.
🔗 Surprising Parallels: Both aim to build trust first, exclude risky behaviors, and onboard underserved users—but struggle with monetization and scale.
⚖️ Safety vs Viability: The big lesson—designing for safety is not enough; the model must also be commercially sustainable to scale.
🌐 Why It Matters: Stablecoin regulation will shape cross-border rails, remittances, and even CBDC interoperability. Getting it wrong could cede ground to unregulated players.
Tune in to understand how Payment Banks mirror Stablecoins in the GENIUS ACT
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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. Shweta shares deep insights into the unique design principles behind ARTH’s credit products, the structural bias in lending, and how credit must be paired with capacity building and empathy—especially in Bharat’s context.
Key Highlights:
👩🌾 Designing for Women: ARTH’s products are built not just around financial needs but women’s financial lives, respecting family dynamics, resilience, and informal savings behaviors.
📲 Phygital by Design: ARTH combines digital tech with a powerful on-ground presence—local business centers and community "Mitra" volunteers—to foster trust and understanding.
💳 Credit + Payments = Trust: ARTH bundles loans with payment solutions like soundboxes and QR codes, enabling flexible repayment and improving data visibility.
❤️ Failure is Part of the Journey: Through its Sahyog Program, ARTH supports customers who've faced genuine business failure—offering diagnostics, counseling, and pathways to return as formal borrowers.
🌱 What’s Next: With plans to expand into solar loans and reach 10 million households by 2030, ARTH is redefining what responsible, gender-intentional fintech can look like.
Tune in to understand how ARTH is pioneering inclusive and impactful finance.
Contact ARTH
Website: https://arthimpact.in/LinkedIn: https://www.linkedin.com/company/arthimpact1/YouTube: https://www.youtube.com/channel/UCmEFbMAO_4vcx71wE36fpkA -
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 learn:
🪙 The role of stablecoins & CBDCs
⚙️ Why UPI needs a programmable upgrade
🤖 Agentic commerce & AI-powered banking
🌍 How Polygon is scaling payments globally
Contact Polygon Labs
Aishwary on LinkedIn: https://www.linkedin.com/in/aishwary1992/Aishwary on X: https://x.com/0xAishwaryPolygon Labs on LinkedIn: https://www.linkedin.com/company/polygonlabs/Polygon Labs on X: https://x.com/0xPolygonWebsite: https://polygon.technology/ -
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 origin story, their mobile-first approach, and how the team is building a future-ready, regulation-first cross-border platform trusted by MSMEs across India.
Key Highlights:
🌍 Solving the Real Pain: Problems faced by the goods export segment—a sector often ignored by fintechs despite making up nearly 50% of India’s export base.
📲 Mobile-First Platform: Why offering MSMEs a “Google Pay-like” experience is today’s need
📜 Compliance and Regulations: From real-time e-FIRA generation to e-BRC and IDPMS workflows, looking at how compliance can be digitized.
🌐 The Vision Ahead: From being listed as an official payment provider on Amazon to targeting Southeast Asia expansion, BriskPe is positioning itself as the go-to partner for growing India’s digital trade ecosystem.
Tune in to this insightful episode to understand how BRISKPE is digitizing cross-border payments for Indian SMEs.
Contact BRISKPE
Sanjay’s LinkedIn: https://www.linkedin.com/in/tripathysanjay/BRISKPE’s LinkedIn: https://www.linkedin.com/company/briskpe/X: https://x.com/BriskPeWebsite: https://www.briskpe.com/ -
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 financial advisors, Turtlemint has been at the forefront of India's insurtech revolution.
Key Highlights:
💡 Simplifying Insurance: Turtlemint empowers agents with tools and training to make insurance easier for customers, especially in remote areas.
🚀 The Power of Technology: Learn how Turtlemint’s platform provides comparisons, digital journeys, and seamless integrations to empower agents and customers.
🌍 Growth and Milestones: With over 4 lakh agents in 18,000+ pin codes, Turtlemint has made insurance more accessible than ever, benefiting millions across the country.
Tune in to learn how Turtlemint is reshaping the insurance landscape and making financial security a reality for many.
Contact Turtlemint
Anand’s LinkedIn: https://www.linkedin.com/in/anandprabhudesai/
LinkedIn: https://www.linkedin.com/company/turtlemint/
Instagram: https://www.instagram.com/turtlemint.insurance/
X: https://x.com/helloturtlemint
Website: https://www.turtlemint.com/
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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 traditional banking, making international payments faster, cheaper, and more transparent.
Key Highlights:
💡 Challenges in Cross-Border Payments: Movin explains the complexity of global transactions, from financial crime risks to the high costs imposed by traditional banks.
🚀 Skydo’s Solution: Learn how Skydo’s virtual foreign currency accounts are helping Indian businesses receive payments from over 100 countries, eliminating the need for local bank accounts.
🌍 The Future of B2B Payments: Movin shares his vision for the future, from expanding Skydo’s customer base to leveraging regulatory approvals to foster trust in the platform.
Tune in to this insightful episode to understand how Skydo is transforming the landscape of cross-border payments for Indian SMEs.
Contact Skydo
Movin’s LinkedIn: https://www.linkedin.com/in/movinjain/Skydo’s LinkedIn: https://www.linkedin.com/company/skydo-official/ X: https://x.com/skydo_officialWebsite: https://www.skydo.com/ -
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, access to finance and digitization remain significant challenges for many small businesses.
Pallavi shares her expert perspective on how fintech innovation is bridging these gaps, empowering MSMEs with much-needed access to formal credit and digitization solutions. The episode delves into the recent budget announcements aimed at boosting MSMEs, fintech innovations reshaping access to finance, and the challenges faced by small businesses in adopting new technology.
This episode offers a comprehensive look at the future of MSMEs and how they are central to the Viksit Bharat vision.
Key Highlights:
💡 The role of MSMEs in India's Viksit Bharat vision
📊 Recent budget initiatives for MSMEs
💻 How fintech is transforming access to finance for small businesses
⚡ The challenges of rapid growth and digitization
🔮 The future outlook for MSMEs in India
Tune in for a detailed conversation on the future of MSMEs and their impact on India's economic landscape!
Contact DLAI
Website: https://www.dlai.in/ LinkedIn: https://www.linkedin.com/company/dlai/ Twitter: https://twitter.com/dlai_india -
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 recovery to the increasing importance of financial inclusion and managing risks. We covered the following with Anuj:
💡 Post-Pandemic Growth
📈 Demand Shifts
🔍 Risk Management in lending
🚀 The Future of Finance
Tune in to this episode to hear more about the future of consumer finance and the role fintech will play!
Contact DLAI
Website: https://www.dlai.in/ LinkedIn: https://www.linkedin.com/company/dlai/ X: https://twitter.com/dlai_india -
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 globally.
Key Highlights:
🔄 Closed-loop vs. Open-loop Systems: Manoj explains the difference between transit-exclusive payment cards and open-loop systems that allow you to use your everyday contactless cards or mobile wallets to pay for public transport.
🌍 Global Adoption: Open-loop transit payments have been successfully implemented in cities like Singapore, London, and New York, with more than 900 programs worldwide.
🚇 India’s Opportunity: As India rapidly expands its metro networks, the country is uniquely positioned to implement open-loop systems from day one, offering seamless travel across cities with just one contactless card.
Tune in to the full episode to learn more about the future of transit payments and how it can transform the commuting experience!
Contact Manoj
LinkedIn: https://www.linkedin.com/in/manojsugathan/ X: https://x.com/masug -
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 invaluable insights into the current state of fintech funding and the future of this rapidly evolving industry. In conversation we discussed:
📉 2024 Fintech Funding Trends
💰 Top Sectors for Funding
🚀 What’s Ahead for 2025?
Listen to the full episode to gain more insights into what 2025 holds for fintech!
Contact Tracxn
LinkedIn: https://www.linkedin.com/company/tracxn/
X: https://x.com/Tracxn
Website: https://tracxn.com/
Instagram: https://www.instagram.com/tracxntechnologies/
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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:
💡 What is Open Finance?
🌍 Global Leaders in Open Finance
🥇 India's Open Finance Success
🔮 Looking Ahead to 2030
Tune in to learn how Open Finance is transforming financial services and how AA can play key role in powering the next billion Open Finance users
Contact Kiran
LinkedIn: https://www.linkedin.com/in/kirangopinath1/
X: https://x.com/KiranGopinath
Website: https://www.openfinanceconnect.com/
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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:
📈 Growth of the AA ecosystem in India
🪙 Lending and wealth management as key use cases
💰 Benefits of AA adoption
🔮 Challenges and future adoption
Tune in to the full episode to learn more about its impact and future potential
Contact Sahamati
LinkedIn: https://www.linkedin.com/company/sahamati/
X: https://x.com/sahamati
Website: https://sahamati.org.in/
Sahamati Annual Report: https://sahamati.org.in/wp-content/uploads/2024/11/Sahamati-Annual-Report-2024.pdf
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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 a reward network
💰 Economics of loyalty
🔮 Future of loyalty
Tune in to the full episode to learn more about the exciting innovations shaping the future of loyalty in India.
Contact Twid
LinkedIn: https://www.linkedin.com/company/twidpay/ X: https://x.com/twidpay Website: https://twidpay.com/ -
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 digital transformation of India’s financial sector. We discuss:
🔥 The Rise of Co-Brands in India
💸 Unique value of Co-Brands
💻 Technology’s role in Co-Brands
🏆 What it takes to win in Co-Brands
🔮 Future of Credit and Co-Brands in India
Listen in for some interesting insights on Co-Brands in India.
Contact Ram
LinkedIn: https://www.linkedin.com/in/ramanathanrv/ Email: ram [at] hyperface [dot] coContact Hyperface
LinkedIn: https://www.linkedin.com/company/hyperface/ X: https://x.com/HyperfaceHQ Website: https://www.hyperface.co/ Rise of Co-branded cards report: https://www.hyperface.co/blog/the-rise-of-co-branded-credit-cards-redefining-customer-loyalty/ - Laat meer zien
