The India FinTech Diaries

Hemant Kshirsagar & Elroy Serrao
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India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!

  1. EP082 - Lending - In conversation with Shweta Pandey, Co-founder and CEO, ARTH

    11 JUL

    EP082 - Lending - In conversation with Shweta Pandey, Co-founder and CEO, ARTH

    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

    54 min
  2. EP081 - Stablecoins - In conversation with CA Aishwary Gupta, Global Head of Payments - Polygon Labs

    31 MAY

    EP081 - Stablecoins - In conversation with CA Aishwary Gupta, Global Head of Payments - Polygon Labs

    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/

    37 min
  3. EP080 - Cross-Border Payments - In conversation with Sanjay Tripathy, Co-founder & CEO, BRISKPE

    18 MAY

    EP080 - Cross-Border Payments - In conversation with Sanjay Tripathy, Co-founder & CEO, BRISKPE

    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/

    42 min
  4. EP079 - InsurTech - In conversation with Anand Prabhudesai, Co-founder, Turtlemint

    14 MAR

    EP079 - InsurTech - In conversation with Anand Prabhudesai, Co-founder, Turtlemint

    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/

    39 min
  5. EP078 - Cross-Border Payments - In conversation with Movin Jain, Founder, Skydo

    28 FEB

    EP078 - Cross-Border Payments - In conversation with Movin Jain, Founder, Skydo

    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/

    34 min
  6. EP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit Bharat

    15 FEB

    EP077 - DLAI Fintech Conclave 2025 - MSME Fintech Files: Strengthening Viksit Bharat

    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

    31 min
  7. EP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer Finance

    1 FEB

    EP076 - DLAI Fintech Conclave 2025 - Transformation in Consumer Finance

    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

    41 min
  8. EP075 - Transit Payments - In conversation with Manoj Sugathan

    25 JAN

    EP075 - Transit Payments - In conversation with Manoj Sugathan

    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

    42 min
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About

India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, “wild-west” world of Fintechs in India. The world’s most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping India’s Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!!

Information

  • Creator
    Hemant Kshirsagar & Elroy Serrao
  • Years Active
    2020 - 2025
  • Episodes
    95
  • Rating
    Clean
  • Copyright
    © Hemant Kshirsagar & Elroy Serrao
  • Show Website
    The India FinTech Diaries

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