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The India FinTech Diaries

Hemant Kshirsagar & Elroy Serrao
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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...
    • 4

    • 5 months ago
    41:54
    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, ...
    • 1

    • 1 year ago
    40:39
    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 ...
    • 1

    • 1 year ago
    41:56
    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 202...
    • 1

    • 1 year ago
    30:50
    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 servi...
    • 1

    • 1 year ago
    31:03
    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, CE...
    • 1

    • 1 year ago
    49:06
    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 rapidl...
    • 1

    • 1 year ago
    28:33
    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...
    • 2

    • 1 year ago
    49:45
    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 a...
    • 1

    • 1 year ago
    47:49
    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 i...
    • 1

    • 1 year ago
    24:11
    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...
    • 1

    • 2 years ago
    19:01
    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, Kum...
    • 1

    • 2 years ago
    44:47
    In 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 ...
    • 1

    • 2 years ago
    45:37
    In 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 ...
    • 1

    • 2 years ago
    30:59
    Did 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 tho...
    • 1

    • 2 years ago
    26:20
    This 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 ...
    • 1

    • 2 years ago
    32:29
    In 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 ecosys...
    • 1

    • 2 years ago
    24:08
    In 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 ...
    • 1

    • 2 years ago
    40:30
    We 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 announ...
    • 1

    • 2 years ago
    22:01
    In 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 ...
    • 1

    • 2 years ago
    44:39
    After 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...
    • 1

    • 2 years ago
    21:05
    2023 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...
    • 1

    • 2 years ago
    51:57
    Last 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, w...
    • 4

    • 2 years ago
    30:56
    Last 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 ...
    • 1

    • 2 years ago
    45:09
    According 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 priori...
    • 1

    • 2 years ago
    42:45
    As 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 land...
    • 1

    • 2 years ago
    18:02
    Today 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 ...
    • 1

    • 3 years ago
    40:01
    P2P 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 o...
    • 1

    • 3 years ago
    25:27
    Credit 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 Ind...
    • 1

    • 3 years ago
    39:40
    Join 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 d...
    • 1

    • 3 years ago
    23:01
    Join 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 discounti...
    • 1

    • 3 years ago
    34:24
    We 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 a...
    • 1

    • 3 years ago
    54:34
    In 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 s...
    • 1

    • 3 years ago
    32:00
    Welcome 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 sp...
    • 1

    • 3 years ago
    43:13
    Welcome 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, w...
    • 1

    • 3 years ago
    28:28
    In 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 l...
    • 1

    • 3 years ago
    27:02
    In 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 I...
    • 1

    • 3 years ago
    17:15
    Data 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...
    • 1

    • 3 years ago
    28:05
    In 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 Execu...
    • 1

    • 3 years ago
    29:06
    In 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 inclu...
    • 1

    • 3 years ago
    36:39
    We 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 w...
    • 1

    • 3 years ago
    25:10
    This 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: Fundin...
    • 1

    • 3 years ago
    01:00:52
    Over 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, I...
    • 2

    • 3 years ago
    25:50
    Continuing 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 ...
    • 1

    • 3 years ago
    31:57
    A 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 ...
    • 1

    • 3 years ago
    39:29
    What’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...
    • 2

    • 3 years ago
    33:40
    Continuing in our series on cross-border payments, Hemant and Elroy caught up with Pratik Gandhi, Co-founder and COO, NIUM. NIUM provides a modern, modular platform for global business payments. With ...
    • 1

    • 4 years ago
    34:02
    With international travel gradually normalising, cross-border payments are back. In this quick introductory episode Hemant and Elroy lay out the overall contours of cross-border payments in India. Dur...
    • 1

    • 4 years ago
    11:24
    While consumer insurance has seen a renaissance, with a plethora of Fintechs looking to simplify all aspects of the insurance journey, business insurance still remains poorly understood. We caught up ...
    • 1

    • 4 years ago
    38:56
    Let’s face it, Insurance claims are a nightmare !!! But what if claiming Insurance could be as easy as Pie? Well, a number of Fintechs around the globe are solving exactly this problem. We caught up w...
    • 1

    • 4 years ago
    39:14