Fintech has seen enormous growth over the past decade, but I feel we’re just scratching the surface. Here are 10 trends that describe the headwinds in the world of fintech. #1 New investment avenues will become more mainstream. The FTSE would have returned a modest 2–3% CAGR in the past 5-years, even after adjusting for the pandemic. This…

The Opportunity While shopping journey and logistics for grocery and restaurant delivery have been streamlined and optimized, the overall journey of a user solving for their meals is still broken and fragmented. The graphic below provides a simplified view of the broad decision and process steps customers undertake to solve for their…

The big opportunity If you’re not on vacation, chances are, you’ve used a spreadsheet this week; or if you’re like me, you’ve got several spreadsheets open right now! Almost a Billion users work on MS Excel/ Google Sheets — 60% of them being from small-medium organizations (<50 employees). It’s interesting to see how…

The evolution of food-tech (and specifically food-delivery companies) in India is very interesting, and I believe, a fantastic case study into how marketplaces evolve. Here I attempt to trace this evolution, capture some lessons for marketplaces, and see if I can extrapolate to predict future trends in this industry. Let…

Introduction to Oracles: A blockchain, as we discussed earlier, is a type of decentralized computer that can make commitments. But, to take the analogy further, today’s blockchains are like computers without an internet connection: they have access to all data stored within the computer, but have no way of knowing…

What is blockchain Simply put, a blockchain is a distributed ledger of entries across a network of several computers. …

The past few months have seen a deluge of startups offering grocery delivery in 10–15 mins, especially in Europe. London alone boasts of more than 7 of these “ultrafast” grocery delivery players, the most notable (and heavily funded) being Weezy, Dija, Getir and Gorillas. …

Introduction India sells ~20M 2w and ~4M 4w annually, of which, <1% sales are Electric Vehicles (EV). While familiar roadblocks like the “charging infra chicken and egg” and “range anxiety” remain as critical issues to solve before mass-adoption, the shift to EV is imminent sooner or later. …

I believe NLP, speech-to-text and text-to-speech have all advanced to a stage where AI-enabled speech automation can really kick-off in India. While the applications for these are immense, I want to focus on only one use-case: call-center automation. The problem: Let’s talk about inbound call-centers first. Managing customer service through…