Decoding Block – Cash App & Square
Block is one of the most interesting consumer fintech businesses in the US and the world. It is also one of the few companies with a successful consumer (Cash App) & B2B Play (Square). In this post I’ll be focusing on the aspects in this blog post. This might be a good read for product,…
The future of credit scoring in India
How is credit scoring done currently? Will the new account aggregator framework redefine income assessment and credit scoring? We’re focusing on the retail consumer for the purpose of this blog post. Read on to explore. Credit Scores are a key piece in the credit journey of the user. They help determine eligibility and rates for…
Lessons from building & scaling referral programs to millions of users
A deep-dive into virality, cycle time, repeat cycles and everything you need to build the perfect referral program. Over the years I’ve worked on a number of referral programs with different apps – music apps, personal finance, payment apps and more recently on a Credit card product. Why should you listen to me? I optimised…
Is QR the future of payments and transactions in India?
QR codes have seen a huge increase in adoption in the last 2 years along with the adoption of UPI. In this post i explore the different payment methods, parallels with China and the different use-cases where QR will get huge adoption in the days to come. Come join me in peering into the future.
Will every company be a fintech company?
A deep dive into banking infrastructure(BaaS) and it’s future. And a perspective on its evolution in India. In India excluding a few sectors(Edtech, fintech and gaming mostly), a majority of Indian startups(mostly apps) have struggled with monetisation. Even Truecaller with a huge 150m MAU in India struggles to monetise using subscriptions and ads(low cpms). If…
Credit Cards as Status Symbols
In this article, i’ll be exploring the importance of signalling. We’ll look at how humans over time have used signalling and how it has evolved in the age of software. More specifically i’ll be exploring signalling in credit cards and how credit cards have long been a status symbol. If we look back in time,…
The most fun personal finance feature i built
Bringing consumer social ideas to finance and building #YearInReview In my post on the ‘future of neo-banks’ I wrote about how the next age of banks will make banking ‘fun’ & ‘enjoyable’ more than functional or insight driven. At this one design conference, i met a user of one of the apps i had previously…