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I’m a fintech partnerships and market expansion professional with 8+ years of experience…
Articles by Siddarth
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Low and high; when you reach the top, it’s like you can touch the Sky !!
Low and high; when you reach the top, it’s like you can touch the Sky !!
Picture a huge, heavy flywheel – a massive metal disk mounted horizontally on an axle, about 30 feet in diameter, 2…
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Dependency Conundrum
Dependency Conundrum
The birth of a baby giraffe is quite an earth-shaking event. The baby falls from its mother’s womb, some eight feet…
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The not so old concept of being an 'Employee'
The not so old concept of being an 'Employee'
The large nation India is, no wonder it houses millions of businesses, large and small - big business houses, large…
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Siddarth Sanghvi shared thisSomeone poured water into a biometric attendance machine and apparently, this wasn’t an accident. Delhi govt officials reportedly found water inside several biometric machines even though there was no nearby water source. The suspicion? Someone deliberately poured water into them. Why? Because these machines were introduced to track attendance more strictly. The government had apparently received repeated complaints about officials not showing up regularly, so biometric attendance was made mandatory. Now, after the machines started malfunctioning, CCTV cameras are being considered to keep an eye on the machines themselves. That’s the part I find fascinating. We often talk about resistance to technology as if people are resisting the technology itself. But sometimes, they’re resisting what the technology makes visible. A biometric machine doesn’t care about your designation, seniority or excuses, it simply records. And if the response to that is to break the machine, the problem clearly isn’t the machine. There’s a bigger lesson here about accountability in public institutions. Technology can make monitoring easier. But it can’t, by itself, create a culture where basic accountability is accepted. Sometimes the hardest reform is simply getting people to show up and do what they’re already being paid to do. Is it a accountability issue, culture issue, or both?
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Siddarth Sanghvi shared thisA man lost his Crocs style clogs among hundreds of shoes outside a temple and thought finding them would be nearly impossible. Instead of searching through the massive pile, he photographed the footwear and asked ChatGPT to identify his pair using their colour, shape and distinctive features. ChatGPT scanned every image and found them. AI is solving problems nobody ever imagined it would 😅
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Siddarth Sanghvi shared thisWatching this reminded me of a hiring conversation we've all seen 😂 Candidate: Can I know why I wasn't selected? 🤔 Interviewer: You were one of our strongest candidates... 😍 Candidate: Okay... 🥴 Interviewer: ...and we wish you all the best for your future endeavors 🎉 Candidate: You still haven't answered the question 😡😤😖 Sometimes the most interesting part of a conversation isn't the question—it's how skillfully people avoid answering it.
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Siddarth Sanghvi shared thisThis might be one of the strongest branding flexes I've seen in a while. A full-page newspaper ad. No logo. No app icon. No founder's photo. No product shots. Just a familiar shade of red and a few words. No prizes for guessing because almost everyone knew it was Zomato 😎🥳🎉 That didn't happen because of one brilliant campaign. It happened because of 18 years of relentless brand building. A few milestones that put that journey into perspective: ♦️Started: 2008 (as Foodiebay, later rebranded to Zomato in 2010) ♦️Founders: Deepinder Goyal & Pankaj Chaddah ♦️Today: ~20.9 million monthly transacting food delivery customers, with food delivery alone processing nearly ₹9,800 crore in quarterly gross order value. Beyond food delivery, the company now operates Blinkit, Hyperpure by Zomato and a growing going-out business. For me, the biggest takeaway isn't the numbers. It's this: The ultimate branding milestone is when your identity becomes recognizable without introducing yourself. That doesn't happen through advertising 🎬 It happens through years of consistency 🤝🏻
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Siddarth Sanghvi shared thisYesterday's Argentina 🇦🇷 vs Egypt 🇪🇬 match wasn't just about football ⚽️ It was a lesson in governance. Egypt led 2-0. A goal was disallowed after VAR wound the play back nearly 20s to flag a foul in a different part of the pitch. Argentina then scored three continuous goals to win 3-2. Egypt's coach called it an injustice. Their goalscorer called it rigged. Millions of fans agreed with them online before the final whistle had even settled. Whether the referee got the decisions right or wrong is almost secondary. The real issue is consistency. People can live with a decision that goes against them. What they can't live with is not knowing whether the same rule would've been applied the same way to the other side. This isn't unique to football. It's the same reason a court loses credibility when two similar cases get different outcomes. The same reason a company's culture erodes when policy enforcement depends on who's asking. The same reason regulators lose public trust when rules feel discretionary rather than fixed. FIFA World Cup 2026™ - Canada, Mexico and the United States may or may not have made the correct calls yesterday. But the fact that millions of fans walked away believing the game was predetermined should concern everyone who cares about institutional credibility. The currency of every governing body isn't power, it's trust 🤝🏻
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Siddarth Sanghvi shared thisCross-border payments has a trust problem most people don't talk about. Every time money moves between jurisdictions, it passes through a chain of intermediaries — and each one is a point of failure if compliance was an afterthought. For businesses running global supply chains, a delayed or frozen transfer isn't an inconvenience, it's a working capital crisis. That's why Echo Money's RPAA registration with the Bank of Canada matters more than it might look on the surface. This isn't a marketing badge — it's federal supervisory oversight that most fintechs in this space don't have, and many won't get, because building for it from day one is harder than retrofitting it after scaling. In cross-border payments specifically, this kind of foundation translates directly into: 🔶 Faster bank partnerships. 🔶 Stronger trust with enterprise clients who can't afford settlement risk 🔶 A real moat against competitors still operating in regulatory gray zones Proud to see a team choose the harder, slower path because they understood what was actually at stake for the businesses relying on them 👏🏼👏🏼 Shivam Pandey, Harshit Chachra, Alok Bharti, Aditya Menon, Shruti Gupta, Aditi Gupta, Monish Sethi 🚀Siddarth Sanghvi shared this🚀 We’re proud to announce that Echo Money is now an 𝐀𝐮𝐭𝐡𝐨𝐫𝐢𝐳𝐞𝐝 𝐚𝐧𝐝 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐞𝐝 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐒𝐞𝐫𝐯𝐢𝐜𝐞 𝐏𝐫𝐨𝐯𝐢𝐝𝐞𝐫 (𝐏𝐒𝐏) under the 𝐁𝐚𝐧𝐤 𝐨𝐟 𝐂𝐚𝐧𝐚𝐝𝐚’𝐬 𝐑𝐞𝐭𝐚𝐢𝐥 𝐏𝐚𝐲𝐦𝐞𝐧𝐭 𝐀𝐜𝐭𝐢𝐯𝐢𝐭𝐢𝐞𝐬 𝐀𝐜𝐭 (𝐑𝐏𝐀𝐀) framework. What this means for our partners & clients: ✅ 𝐅𝐞𝐝𝐞𝐫𝐚𝐥-𝐆𝐫𝐚𝐝𝐞 𝐒𝐞𝐜𝐮𝐫𝐢𝐭𝐲: Our operational risk and cyber-security frameworks are vetted at the highest level. ✅ 𝐒𝐚𝐟𝐞𝐠𝐮𝐚𝐫𝐝𝐞𝐝 𝐅𝐮𝐧𝐝𝐬: Your money is protected by strict institutional-grade isolation standards. ✅ 𝐔𝐧𝐜𝐨𝐦𝐩𝐫𝐨𝐦𝐢𝐬𝐢𝐧𝐠 𝐓𝐫𝐮𝐬𝐭: Fully compliant, resilient global API rails built for scale. This milestone underscores our commitment to operating at the highest levels of financial compliance, transparency, and operational security. The foundation is locked in. The future of global payments is here. Let’s build together. 🌍✨ #Fintech #Payments #BankOfCanada #RPAA #Compliance #EchoMoney #GlobalPayments
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Siddarth Sanghvi shared thisMore foreign money is entering India than ever before. Let me explain: The main reason for the rupee's weakening and the decline in net FDI is because two outflows ballooned at the same time. 🔶 First, repatriation hit $53.6 billion. This is foreign companies that invested years ago now taking profits home, selling shares, or exiting after listing on Indian markets. Yes the money leaving is as an outflow. But the company, the factory, the jobs, all stay in India. 🔶 Second, Indian companies are investing abroad at record levels, around $29 billion. This is Indian companies becoming multinationals. Tata, Reliance, Adani, Sun Pharma, Indian IT majors buying assets, building plants, and expanding overseas. That counts as an outflow in this math, but it's a sign of strength, not weakness. Even the RBI says the rising repatriation is 'a sign of a mature market where foreign investors can enter and exit smoothly.' Investors put money into countries more easily when they know they can take it out easily. The fact is that record money is coming into India 🇮🇳 Gross FDI coming into India is up by 17% and it has hit a record $94.5 billion in 2025-26 ✅
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Siddarth Sanghvi shared this6.1 million views 👀 9300 bookmarks 🔖 #mondayblues
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Siddarth Sanghvi shared thisZomato are you going to change your pricing now? 😅
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked thisFrom screens to real-world conversations. 🌍🤝 We’ve got a few glimpses from Money20/20 Middle East 2026. From meeting familiar faces to discovering new connections and exchanging ideas with people shaping the future of money. Jasnoor Singh Brar & Aditya Menon are in Riyadh, connecting with founders, builders, and industry leaders from across the fintech ecosystem.
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked thisNew countries, new solutions, and many opportunities ahead. 🚀 We're expanding the Payout Product team at EBANX, and we have two open roles for people looking to build products in a global, complex, and high-impact environment. 🔹 Senior Product Analyst | Payout: https://lnkd.in/d4GT8QAc 🔹 Product Manager Specialist | Payout:https://lnkd.in/d4GT8QAc 🔹 Product Manager Specialist | Payout: https://lnkd.in/d6T-GWYr If you're looking to build products that solve payment challenges across multiple markets and help shape the next stage of our growth, I'd love to hear from you. And if someone comes to mind, I'd appreciate it if you shared this post.
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked thisIn a few days, Brazil will change how cross-border money moves. From October 1, Brazil's central bank (Resolution BCB 561) bars eFX providers (the fintechs and payment firms that power international payments) from using stablecoins, Bitcoin, or any crypto to settle with their overseas counterparties. Settlement must now go through traditional FX operations or non-resident BRL accounts. Nothing else. What this is NOT: · Not a ban on crypto trading or ownership · Not the end of stablecoins in Brazil. Licensed VASPs still operate under a separate, supervised framework What this is: · The end of a popular shortcut: take local currency, convert to USDT/USDC, settle abroad on-chain, and skip correspondent banking · A reset for fintechs whose cost advantage was built on that shortcut Why it matters beyond Brazil: Stablecoins make up the overwhelming majority of Brazil's crypto flows. Regulators were clear about their reasons: monetary sovereignty, AML risk, and FX visibility. The message is simple. Regulators aren't anti-crypto. They're anti-unsupervised money movement. Three takeaways for anyone building in cross-border payments: 1. A cost advantage built on regulatory gaps isn't a moat. One resolution can erase it overnight. 2. Compliance-first infrastructure is becoming the real differentiator, not just a checkbox. 3. Watch for copycats. When a major economy draws this line, other regulators take notes. For businesses expanding internationally, the question to ask your payments partner isn't only "how fast and how cheap?" It's also "will this rail still be legal next quarter?" Curious how others see this playing out. Will more central banks follow Brazil's lead? #CrossBorderPayments #Stablecoins #Fintech #Payments #Regulation #GlobalExpansion
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked this2 months. ₹10 Lakh+ transactions. 120+ merchants. The momentum at PayPur PaymentsPayPur Payments is just getting started. Next up: launching Cross-Device Checkouts for custom apps and WordPress to make payments even smoother. Huge thanks to our early merchant partners for the trust. Onward! 🚀 #Fintech #StartupGrowth #Payments #PayPur
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked thisNew launch: iPhone 18 Pro is now available on Blinkit (in all 4 colours) ✌️ This year, we’ve also got the new iPhone 18 Pro Max, Apple Watch S12 and Airpods 5. We've partnered with Apple, bringing their latest products to Blinkit customers in Delhi NCR, Mumbai, Bengaluru, Hyderabad, Chennai, Pune, Kolkata, Ahmedabad, Jaipur and Lucknow (for now) on launch day! There are discounts available on select credit cards, along with no cost EMI options too.
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Siddarth Sanghvi liked thisSiddarth Sanghvi liked thisHeartiest Congratulations to Mr. Varun Mittal 🎉 Jaypee Institute of Information Technology proudly congratulates Mr. Varun Mittal, alumnus of the Computer Science & Engineering, Batch of 2009, on being appointed as the Managing Director & Singapore Country Head at Keenai Global. A prominent fintech and digital financial services leader, Varun has led high-growth ventures including Singlife and helloPay, driving innovation and business growth across Southeast Asia. He has also been recognized by the Monetary Authority of Singapore among the Top 10 FinTech Leaders and is a Co-Founder of the Singapore FinTech Association. The JIIT fraternity takes immense pride in his accomplishments and wishes him continued success in his leadership journey. Congratulations, Varun, on this remarkable achievement! 🌟 #JIITPride #AlumniAchievement #CSEAlumni #GlobalLeadership #PrideOfJIIT
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Indian Institute of Management, Kozhikode
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A complete guide to ABCD of Fintech -
A: Artificial Intelligence
B: Blockchain
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Deepika Khare
🚀 Big News for India’s D2C & Retail Tech Ecosystem! ✅ Sanjay Netrabile ✅ Ashish Shah ✅ Ambarees Murty ➡️ Huge congratulations to Pepperfry on raising ~$18 Million (₹158 Cr+) in a fresh funding round led by Morde Foods Pvt. Ltd. and SageOne Investment Managers Investments, with strong support from @Newage Global Ventures, F3 Advisors and 50+ strategic backers including Shreyas Iyer — a major vote of confidence in the future of hybrid retail and experiential furniture commerce. 🔥 This comes as Pepperfry continues to reinforce its leadership in omnichannel furniture & home décor, blending a powerful online marketplace with over 200 Studio Pepperfry experience centres across 100+ cities — redefining how India buys, feels and lives with home furnishings. 💼 Under the leadership of @AshishShah (CEO) and the visionary founding legacy alongside the late Ambareesh Murty, Pepperfry has scaled over a decade to become one of India’s most loved furniture brands — serving millions of households and thousands of MSME partners nationwide. 📈 With this fresh capital infusion, Pepperfry is poised to: ✔️ Expand business operations & deepen omni-channel footprint. ✔️ Fuel working capital for growth and subsidiary scaling. ✔️ Strengthen logistics, supply chain and customer experience. ✔️ Innovate with tech-led retail solutions for consumers & partners alike. 🏡 Retail & D2C innovation isn’t slowing down — it’s evolving. And funding rounds like these show investors are backing experience-driven commerce with solid unit economics and strong brand heritage. 🔗 Read Full story here: 👉 https://lnkd.in/gMR-F3BY #RetailTech #StartupFunding #Omnichannel #D2C #Furniture #ScaleUp #Pepperfry #AshishShah #Entrepreneurship #scoopearth #scoopearth.in #scoopearthmagazine
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Viestories Media
Digital lending platform Optimo Capital has raised Rs 150 crore in a Series A round led by its founder Prashant Pitti, who also co-founded easemytrip, with participation from existing investors Blume Ventures and Omnivore. The Bengaluru-based fintech NBFC, specializing in digital loans against property (LAP), has also secured Rs 110 crore in debt from IDFC First Bank and Axis Bank. It is further in discussions with several PSU banks and large NBFCs to establish co-lending partnerships. 🔗 Read full article link in comment #optimocapital #NBFC #digitallending #prashantpitti #funding #growth #startupnews
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Avnish Sharma
India is undergoing a massive behavioural and economic shift. For decades, we were known as a nation of savers — conservative with spending, debt-averse, and cautious about financial products. But today’s young workforce is rewriting the script. We are quickly becoming a nation of spenders, driven by aspirations, access to digital finance, and rising consumer confidence. This shift is exactly why the digital credit ecosystem is booming — and why investors and founders are pouring capital, talent, and innovation into the space. Startups like Finnable are building more inclusive, transparent, and data-driven lending frameworks that match the speed and ambition of India’s new consumer class. The next decade of fintech will be defined by: • Responsible, tech-enabled credit • Instant access with smarter risk models • Financial inclusion for emerging professionals • Bharat-first innovation India’s credit story is just getting started. #StartupPulse #FundingNews #Finnable #Fintech #DigitalLending #CreditEcosystem #IndiaGrowthStory #FinancialInclusion #StartupIndia #ConsumerEconomy #CreditRevolution
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CA Piyush Mittal (सीए पीयूष मित्तल)
🌟 Empowering Local Entrepreneurs with ODOP (One District One Product) 🌟 The Government of India is driving inclusive growth through the ODOP Initiative, ensuring every district shines with its unique product. Here are the Top 3 ODOP Support Schemes every entrepreneur must know: ✅ Margin Money Assistance Micro Units → 25% Project Cost (up to ₹15 lakh) Small Units → 15% Project Cost (up to ₹20 lakh) Extra subsidy for SC/ST/Women/Divyang/Youth (<35 years) ✅ Technology Acquisition & Software Support 50% subsidy (up to ₹5 lakh) for new technology/software purchases Focus on productivity, efficiency & competitiveness ✅ Quality Certification & Standardization 50% subsidy on certifications (ISO, BIS, FSSAI, ZED & more) Testing, calibration & export market readiness support 🎯 These schemes are game-changers for MSMEs aiming for growth, modernization, and global market access under the ODOP framework. 📌 If you are an entrepreneur, startup, or MSME looking to explore government incentives, don’t miss out on these opportunities. 📞 Reach out today for professional guidance on application & compliance. 🔗 Let’s make local products global! #ODOP #MSME #GovernmentSchemes #Subsidy #Entrepreneurship #BookMyCA #CAConsulting CA Vishal Deewan CA Mohit Dhamor CS Piyush Goyal Vikram Singh Rathore ca vikas gupta Abhishek Bansal CA Gaurav Khorania (Kumawat) Shahrukh khan Gautam Saini
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