fintech

“So I think there can be at least 10 to fifteen billion dollar companies in India in the payment, in the fintech space in different, you know, categories”

“These seem to be the broad areas where there is a lot of headroom and digital penetration is only one, two percent in almost all of these areas.”

“Let's say in FinTech, we saw a first generation of companies in India that were largely doing, Sort of a digital transformation, right? Digital lending, digital payments, and things like that, but I think we are now going to see a new generation of companies w…”

“I actually think that innovation in most spaces Comes from innovators who are from outside those segments, right? And I think we've seen this happen in multiple scenarios. Most of the ad businesses were created by tech founders who are not from the media space…”

“Financial services happens to be a space and FinTech, especially given the technology is an equalizer. You know, there is a lot of transferability across markets. There are obviously a lot of nuances, whether from a regulatory perspective, policy perspective, …”

“What we mean is many companies in the future will be FinTech companies and specifically, especially companies that are marketplaces or vertical SaaS businesses. If you have distribution and you have a data advantage, you can layer in other stuff like lending, …”

“FinTech along with health tech probably are the only two sectors which never loses investors fancy.”

“So I only invest in companies, which is related to edtech, fintech, or passion economy, because those are the specific areas where we can directly help the startups.”

“India has produced the second highest number of fintechs globally in the last three years.”

“Let's look at this next two years, basically when there is a lot of funding crunch going to happen in the market. Fintechs would stop this cashbacks. They would actually, you know, slowing, slowing down on the customer acquisition. This is where banks would be…”

“Next, what I'm seeing is more and more embedded BFSI related, embedded banking payroll systems connecting with banks, more and more banks coming forward to integrate with payroll systems and so do insurance providers so that the, there's convergence between ba…”

“I think fintechs are more focusing on larger cities and tiers and still take a lot of time to penetrate deeper.”

“Fintech, if you get the product right, distribution is something you can achieve it. And in our industry, distribution becomes a commodity beyond the point. Marketing becomes a commodity beyond the point. Then the only unique thing you have is the product and …”

“And I think also that their actions are a little too strong and harsh because they generally give time.”

“See on an average, a SaaS company takes hundred twenty-five million dollars to touch a hundred million. A fintech company probably takes two fifty million dollars, right? So that way SaaS is extremely capital intensive and B to B marketplace will take probably…”

“While there has been regulation, a lot of regulation, especially in FinTech, sometimes in some other sectors as well, but it has also A lot of areas were probably gray. I'd say, you know, five, six years back today, they are black and white. So I think it give…”

“Today it has to be done with a Gen AI element. Core Gen AI, it has to be done in a reverse manner where we start with, Utilizing generative AI and machine learning to build grounds up companies in that space.”

“Part of our pain in the fintech system is that neither the fintechs nor the banks, unregulated, regulated, and the regulator have remained true to this three lane model while everybody says this is the right model.”