India Fintech Diaries

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#88 – In conversation with Anand Balaji, CEO & Co-Founder, XFlow

In this episode, Anand Balaji of Xflow explains why cross-border payments remain fragmented despite modern payment innovation. We discuss SWIFT, compliance infrastructure, FX optimization, API-first payment rails, stablecoins, and how the future of global money movement could eventually become as seamless as a UPI transaction. Read more

#87 – In conversation with Vineet Agrawal, Co-Founder, Jiraaf

In this episode, Vineet Agarwal of Jiraaf explains how fixed income is emerging as the next major asset class for retail investors in India. We explore regulatory shifts, platform innovation, and the key barriers—liquidity, taxation, and awareness—that must be solved for bonds to become mainstream. Read more

#86 – In conversation with Ananth Shroff, Founder and CEO, DPDzero

In this episode, Ananth Shroff of DPDzero explains why collections is the weakest link in digital lending. As unsecured credit scales, AI-driven, persona-based, and fully integrated collections infrastructure is becoming essential. We explore how technology, compliance, and empathy can transform recovery into a scalable, sustainable system. Read more

#85 – Risk – In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau

In this episode, Venkat Srinivasan of Bureau explains how fraud has evolved into coordinated, syndicate-led attacks across fintech and banking. We discuss unified risk decisioning, device intelligence, graph-based models, and why treating compliance as a design guardrail is critical to building scalable, trusted digital finance systems. Read more

#84 – WealthTech – In conversation with Amit Majumdar, Group Strategy Officer, Angel One

In this episode, we chat with Amit about democratizing WealthTech in India. From empowering Tier 2/3 city investors and AI-driven personalization to moving beyond brokerage into a full WealthTech ecosystem, Angel One shares its vision for inclusive wealth creation and the future of investing in Bharat. Read more

#83 – Crypto – GENIUS Act vs Payment Banks: Lessons in Safety, Scale & Regulation

This episode compares India’s Payment Banks with the US GENIUS Act for stablecoin regulation. We explore their shared focus on trust and inclusion, why Payment Banks struggled to scale, and what lessons lawmakers can apply to avoid stifling innovation while keeping financial systems safe and commercially viable. Read more

#82 – Lending – In conversation with Shweta Pandey, Co-founder and CEO, ARTH

In this episode, Shweta Pandey, co-founder of ARTH, shares how she is building inclusive financial systems for Bharat. From Phygital distribution to gender-lens credit and recovery support through the Sahyog program, ARTH is rethinking how underserved women-led businesses can access finance with dignity, empathy, and local relevance. Read more

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Hosts

Your guides in this journey through the ever changing landscape of India's Fintech landscape

Elroy Serrao

Elroy has over 18+ years of experience in financial technology, from developing bespoke software for the leasing, mortgage, and investment banking sectors to product management roles in PaymentTech and RegTech firms. He has also consulted with top industry names. When not focused on FinTech, Elroy enjoys landscape photography and reading science fiction.

Hemant Kshirsagar

Hemant is a consultant with 16+ years of experience in FinTech, technology consulting, banking, and insurance. He has led FinTech practices at PwC and EY, advised Fortune 200 clients at Boston Analytics, and founded the startup InvertedTree Solutions. Outside of work, he enjoys reading non-fiction and staying on top of FinTech trends.

Musings on Fintech

Our blog provides additional insights and context to many of the topics we discuss on the podcast. A must read for exclusive companion content that ties-in with the podcast.

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Overcoming language barriers for Indian FinTech

How does FinTech reach the masses in India in spite of language diversity? In this guest post, Arvind Pani from Reverie Language Technologies explains this and more

Blog

Understanding Neo-Banks

We provide a quick primer to neo banking in this short overview of one of the hottest sectors in Fintech in 2020

Blog

Democratizing access to financial information

We delve deeper into simplifying the concept of account aggregators, a topic that we discussed in our third episode