The User Nobody Asks: What Borrowers Actually Experience
A few months ago, someone messaged Finanjo through Reddit. Not a customer, not someone we had ever spoken to. He had seen a comment…
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The Fintech Failure: Why “Digital” Didn’t Mean Better
In 2016, a friend of mine who had spent years in traditional banking left his job at a private bank to join one of…
How We Got Here: A Short History of Digital Lending in India
In 2019, my phone started getting the same kind of message that thousands of other Indians were getting. A friend, at the time working…
The 600% APR Problem: What Legal Lending in India Actually Looks Like
In 2022, I was living in Stockholm. One evening, a Swedish friend of mine, 24 years old, working her first job at a design…
Finanjo is Now a SEBI-Registered Investment Adviser
A few days ago, we received our SEBI Registered Investment Adviser (RIA) license. For Finanjo, this is a significant milestone. It is also a…
The personalisation gap: why Indian finance apps know your balance but not your situation
The personal finance industry in India has spent a decade asking the wrong question. The question it has been asking: how do we get…
Claim Settlement Ratio – What It Means and How to Read It Properly?
Picture Credit – Reddit Try picturing this for a moment. A man sits at home scrolling through a message from his insurance company, still…
Riders in Insurance – What They Are and When You Actually Need Them?
Raj had just finished buying his first term policy without riders in insurance. For a moment it felt oddly satisfying. Not exciting exactly. But…
Buying Health Insurance Online vs Through an Agent – The difference
We all know that one chacha ji. The one who becomes quietly interested in your finances the moment your salary starts sounding respectable. The…
Why Should Gen Z Get Best Term Insurance with First Salary?
First salary lands and something shifts. The number sitting in the bank account feels small and huge at the same time. Small when compared…
