
The household debt to GDP ratio for India is just 12%, compared to the global average of 60%, but most loans are taken from informal money lenders with life-long debt traps and high interest rates.
Join Sahil Kini, Co-Founder of Setu, alongside hosts Ronit Ghose and Gaurav Dhar, for this episode of Fintech Founders, discussing India's fintech architecture, customer needs in the m-payment market, and the challenges and opportunities of founding a startup in India.
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Learn how to solve the need for financial products in India
Gain insight into building an API platform for India's economic growth
Understand how to provide national access to financial products and services

Sahil Kini is Co-Founder of Setu, an API infrastructure platform enabling financial institutions to provide financial services to their customers across India. His work focuses on making financial products and services accessible and affordable to all, addressing India's fintech architecture and m-payment market needs.
He brings first-hand founder experience navigating the challenges and opportunities of building a fintech startup in India, helping accelerate the country's economic growth.

Gaurav Dhar is a recurring co-host of CFTE's Fintech and Web3 Founders series, interviewing founders and investors shaping the future of fintech and Web3 alongside Ronit Ghose. His work focuses on exploring venture capital trends, founder journeys, and the evolving fintech and Web3 ecosystem.
He brings a consistent, informed voice to conversations with leading founders and investors across the fintech and crypto landscape.