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…
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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.
Data without decisions is useless – why dashboards are failing young Indians
Here is a scene that plays out thousands of times a day across every personal finance app in India. A user opens the app.…
4,000 queries to Jo. Here’s what young India actually wants from a finance app
Last month, a user sent Jo this message: “If my salary stopped for one month, how long could I maintain my current lifestyle?” This…
Personal Finance Isn’t a Literacy Problem
Before we wrote a single line of code for Finanjo, Pankaj and I spent months talking to young Indians about their relationship with money.…
Blume Just Said What We’ve Been Building For
I read a lot of investor reports. Most of them describe problems I already know and solutions that remain safely abstract. We had a…
Are Account Aggregators Safe?
Every day, someone downloads Finanjo, looks at the screen asking them to connect their bank account, and pauses. The message I get most from…
Finanjo Raises ₹1.5 Crore in Pre-Seed Funding Led by AJVC to Transform Personal Finance for Young Indians
Jaipur, India – Finanjo (Finanjo Ventures Private Limited), a full-stack personal finance platform built for young Indians, today announced the close of its pre-seed…
Account Aggregators Will Be the Next Big Thing in India
We have seen this before. In 2014, when the government launched the Jan Dhan Yojana, a lot of people dismissed it. Too ambitious. Too…
Finanjo: From Financial Ambiguity to Financial Clarity
Finanjo aims to be a financial buddy for young Indians. Transparent. Unfiltered. Always on time. Imagine having an EMI due on the 20th of…
From Dashboards to Decisions
This writeup is a part of my series where I share about how Finanjo came to be. This is part 2 of the series.…