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. EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau

    JAN 10

    EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau

    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/

    41 min
  2. EP084 - WealthTech - In conversation with Amit Majumdar, Group Strategy Officer, Angel One

    10/04/2025

    EP084 - WealthTech - In conversation with Amit Majumdar, Group Strategy Officer, Angel One

    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.

    37 min
  3. EP083 - Crypto - GENIUS Act vs Payment Banks: Lessons in Safety, Scale & Regulation

    09/05/2025

    EP083 - Crypto - GENIUS Act vs Payment Banks: Lessons in Safety, Scale & Regulation

    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

    13 min
  4. EP082 - Lending - In conversation with Shweta Pandey, Co-founder and CEO, ARTH

    07/11/2025

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

    05/31/2025

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

    05/18/2025

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

    03/14/2025

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

    02/28/2025

    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
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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 - 2026
  • Episodes
    98
  • Rating
    Clean
  • Copyright
    © Hemant Kshirsagar & Elroy Serrao
  • Show Website
    The India FinTech Diaries

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