Founder's Office
Notes from the founders
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Behind the build at Finanjo: what we're making, why we're making it, and what we learn along the way.
Oct 19, 2026
Understand ReBIT’s AA client standards, the October 31 deadline, and what clearer consent, stronger authentication and reporting mean for users and fintechs.
Oct 14, 2026
Lending, Reimagined, Part 7 of 7 A lending business can report a strong month while its customers have a difficult one. Disbursals rise. Revenue…
Oct 09, 2026
Lending, Reimagined, Part 6 of 7 A borrower can receive every disclosure, tick every box and still take a loan that makes their life…
Oct 06, 2026
Lending, Reimagined, Part 5 of 7 A person asking for a loan is not necessarily asking for more debt. They may be asking for…
Aug 14, 2026
In 2016, a friend of mine who had spent years in traditional banking left his job at a private bank to join one of…
Aug 04, 2026
A few months ago, someone messaged Finanjo through Reddit. Not a customer, not someone we had ever spoken to. He had seen a comment…
Jul 25, 2026
In 2019, my phone started getting the same kind of message that thousands of other Indians were getting. A friend, at the time working…
Jul 20, 2026
In 2022, I was living in Stockholm. One evening, a Swedish friend of mine, 24 years old, working her first job at a design…
Jun 15, 2026
A few days ago, we received our SEBI Registered Investment Adviser (RIA) license. For Finanjo, this is a significant milestone. It is also a…
May 13, 2026
The personal finance industry in India has spent a decade asking the wrong question. The question it has been asking: how do we get…
Apr 06, 2026
Here is a scene that plays out thousands of times a day across every personal finance app in India. A user opens the app.…
Mar 30, 2026
Last month, a user sent Jo this message: “If my salary stopped for one month, how long could I maintain my current lifestyle?” This…
Mar 16, 2026
Before we wrote a single line of code for Finanjo, Pankaj and I spent months talking to young Indians about their relationship with money.…