Fintech Ki Baat

by Shreyas Jani

Fintech ki Baat is an attempt to extract insights about the Fintech ecosystem of India and capture those insights in a bite sized format of audio and video podcast

  1. 16/12/2025

    Healthcare, Payments, Insurance & Lending : India's Missing Middle in Healthcare

    In this explosive panel from Fintech Ki Baat Our Host Shreyas Jani dives deep with four industry veterans—Chris George (Qube Health), Jose Peter (Founder & CEO-Arogya Finance), Apurva Sule (Pharma Expert), and Atul Deshpande (Insurance Expert)—to uncover why India spends ₹6 lakh crore out-of-pocket on healthcare annually.From insurance gaps to financing innovations, discover:Why Indians fall into poverty due to medical shocksHow startups are solving critical care affordabilityThe missing middle: India's uninsured problemThe rise of healthcare sachet products & OPD financingThe role of UPI-style rails for medical paymentsWhat the next 5 years look like for India’s healthcare infra💡 Whether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.TIMESTAMPS 02:33 – Evolution of Healthcare Finance in India05:44 – Jose’s experience in medical lending09:10 – Most common patient-side use cases10:36 – How countries tackle out-of-pocket expenses22:00 – Super Top-Up Insurance: Explained31:00 – Cost & complexity of oncology drugs45:00 – Changing financial behavior in healthcare56:27 – The next 5 years in healthcare & paymentsWhether you're a healthcare founder, insurer, policymaker or just an aware citizen—this is a must-watch.👉 Don’t forget to like, subscribe, and share with someone who needs to hear this.

    1h 14m
  2. Decoding India’s Account Aggregator revolution FT. Venkatesh Krishnamoorti Founder & CEO-Saafe.in

    04/12/2025

    Decoding India’s Account Aggregator revolution FT. Venkatesh Krishnamoorti Founder & CEO-Saafe.in

    What does it take to build trust in India’s most regulated fintech layer?In this episode of Dhande Ki Baat, host Shreyas Jani sits down with Venkatesh Krishnamoorti, Co-founder & CEO of SAFE.in, to unpack the real story behind building one of India’s first Account Aggregators.Discover how account aggregation is revolutionizing financial services by providing secure, error-free data and empowering consumers with control over their financial information. Venkatesh shares his entrepreneurial journey, insights into the industry's future, and the transformative potential of account aggregation for both businesses and individuals.From his early career in financial services to navigating RBI compliance, Venkatesh shares: Timestamps; 00:40 – Intro & Founder Journey Recap 01:35 – What is Account Aggregation & Why it Matters 03:20 – Data Consent & Encryption Explained 06:00 – Regulatory Oversight & RBI Audits 07:30 – Lending, Wealth, Insurance & F&O Use Cases 10:10 – Why Banks Are Catching Up Slowly 10:31 – Real Savings for Lenders: ₹150 to ₹3 12:05 – Joint Account Access Coming Soon 14:14 – MSMEs + Inclusion via Joint Consent 16:35 – Non-financial Data Consents (Auditors, Visa, etc.) 18:32 – LSPs & Future Expansions Beyond Regulated Entities 22:40 – Interoperability Challenges & Sahamati NET 25:00 – Central Proxy Layer: The UPI Moment for AAs 27:34 – Business Model Viability & Market Dynamics 31:42 – DPDP & Consent as a New Layer of Power 32:45 – Future: Every Transaction Touches AA 37:45 – Wrap Up & Closing Thoughts This isn’t a pitch. It’s raw, practical, founder-first storytelling from someone who’s building the pipes of India’s open finance future.🎧 Watch if you're a fintech builder, operator, investor, or just curious about India’s data revolution.

    38 min
  3. Lessons from a Serial Entrepreneur ft. Manish Shara | Building ZET, a Fintech for India

    17/11/2025

    Lessons from a Serial Entrepreneur ft. Manish Shara | Building ZET, a Fintech for India

    If you’re a budding founder, operator or VC, this episode is a masterclass in what it really takes to build a fintech startup in India. Manish Shara, Founder & CEO of ZET, shares candid lessons from his serial entrepreneurship journey, why he chose to solve India’s credit and financial access problem, and how ZET is being built for the next wave of Indian consumers. In this conversation, we talk about: • Early founder mistakes, pivots and mindset shifts across ventures • How ZET thinks about fintech distribution, trust and scale in India • Balancing growth, risk and unit economics while building in credit-adjacent spaces • Practical takeaways for budding entrepreneurs and VCs evaluating fintech better Transferring actionable insights from cross domain experienceIf you enjoy entrepreneurship podcasts, founder stories and deep dives into Indian fintech, this episode deserves a spot in your playlist. Timestamps: 00:42 – Introduction 02:30 – Manish’s journey: From Jaipur coder to serial entrepreneur 06:45 – The rise and fall of Offermundi & Simplify 10:45 – Dineout days and product learnings 13:05- Manage to stay sane & how Manish took the rightful risks 21:11 – How referral logic led to OneCode 27:12 – Transition to Fintech & Zet 30:40 – Solving affordable credit with credit scores 33:57 – Manish’s 3 “Don’ts” for founders 38:45 – Final thoughts and wrap-up👉 Don’t forget to like, share, and subscribe for more candid founder journeys and deep dives into India's fintech ecosystem.

    39 min

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About

Fintech ki Baat is an attempt to extract insights about the Fintech ecosystem of India and capture those insights in a bite sized format of audio and video podcast