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…
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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 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…
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…