“And that's a scale that we have achieved, which is more than 10 times what credit cards has achieved over more than two decades, right?”
quote is from the automated transcript, cleaned for reading:
filler sounds and stutters are removed, nothing is rephrased. names can be misheard
(the analysis reads context, assessments check outside sources). how →
More from Vijay Rajagopal
AssertionContradicted
Rajagopal: Amazon was the first to launch a digital wallet in India
“I think we were the first to you know, put out that wallet in the system in Indian system.”
Vijay RajagopalAug 26, 2025▶ 29:20EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
AssertionPartly supported
Rajagopal: Brazil's Pix and Singapore's PayNow copied UPI but cost users money
“So in some sense, I would say, if you look at a PICS in Brazil, or if you look at a PAYNOW in Singapore, they have largely been modeled on UPI. The interesting thing, they are not zero cost yet, right? You know, while we have a zero MDR structure.”
Vijay RajagopalAug 26, 2025▶ 45:45EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
AssertionSupported
Rajagopal: Fintech lenders score user credit behavior based on installed phone apps
“I've known fintechs tell me that the number of apps and what apps are there on a person's phone tells a lot about the person's credit behavior.”
Vijay RajagopalAug 26, 2025▶ 54:59EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
AssertionSupported
Rajagopal: India is the world's leading country in digital payments
“Today India is the number one country in digital payments in the world.”
Vijay RajagopalAug 26, 2025▶ 5:21EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
AssertionContradicted
Rajagopal: UPI processes around 25 billion transactions each month
“Just on UPI we process around twenty five billion transactions a month.”
Vijay RajagopalAug 26, 2025▶ 5:29EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
Insight
Rajagopal: Cross-border fintech cannot be cookie-cutter across regulatory corridors
“So you cannot say, okay, I've solved X to Y country, so I can replicate. No, you have to solve it for every single corridor.”
Vijay RajagopalAug 26, 2025▶ 26:18EP14: Reimagining Innovation in the world of everyday Finance ft. Vijay Rajagopal
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