Your Financial Data, Your Choice: What ReBIT’s New AA Standards Change
Understand ReBIT’s AA client standards, the October 31 deadline, and what clearer consent, stronger authentication and reporting mean for users and fintechs.
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Category: Founders Office
An unfiltered view from the builders behind Finanjo.
This space captures our thinking as we work on one hard problem: streamlining personal finance for Indian youth. Most posts here are written by the founder and reflect real learnings from building, operating, and making decisions in real time.
You’ll find first-principles thinking on personal finance, product decisions, market realities, and company announcements, without PR gloss or hindsight storytelling.
If you are interested in building products, understanding money, or seeing how early-stage startups are actually built, this space is for you.
The Investor Lens: Why Trust-First Lending Is the Better Bet
Lending, Reimagined, Part 7 of 7 A lending business can report a strong month while its customers have a difficult one. Disbursals rise. Revenue…
The Regulator’s Dilemma: What Policy Could Do Next
Lending, Reimagined, Part 6 of 7 A borrower can receive every disclosure, tick every box and still take a loan that makes their life…
What User-First Lending Actually Looks Like
Lending, Reimagined, Part 5 of 7 A person asking for a loan is not necessarily asking for more debt. They may be asking for…
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…
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…
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…
