DIRTY Truth Behind Indian Banking & Financial Services - Mobikwik's Upasana Taku | FO125 Raj Shamani
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- čas přidán 6. 07. 2024
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In today’s episode, Raj is in talks with Upasana Taku, Chairperson, Co-founder, and COO of MobiKwik. They talk about the remarkable journey of fintech in India and Upasana's incredible rise in the industry.
Upasana passionately explains that MobiKwik's existence is rooted in the need to democratize financial services in India. She emphasizes the challenges faced by millions of Indians, particularly those earning modest incomes, in accessing basic financial services. MobiKwik's mission is to bridge this gap and make financial services accessible to all. The podcast also delves into Upasana's personal journey, from her humble beginnings to her education at Stanford. Her experience at Stanford, a renowned hub of entrepreneurship, played a pivotal role in shaping her entrepreneurial spirit. She shares insights into her professional journey, including her time at HSBC and PayPal, providing a unique glimpse into launching PayPal in various countries and India's productive work environment.
The discussion then turns to the differences between rural and urban India and how India must aim to address the financial challenges faced by people in both areas. Upasana highlights the importance of catering to both essential and aspirational financial needs, creating an inclusive financial ecosystem.Join Raj Shamani and Upasana Taku in this illuminating podcast episode that uncovers the past, present, and future of fintech in India, offering a unique perspective on the immense opportunities and challenges within the industry existing different for men & women. Make sure you watch the podcast till the end!
Follow Upasana Taku On
Linkedin: / upasana
Instagram: / upasanataku
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Timestamps:
00:00 - Introduction
03:08 - How did she get into Stanford University?
07:00 - How did she bag a scholarship?
10:55 - Education at Stanford
11:40 - Salary of a Stanford Graduate
12:32 - Her jobs at HSBC & PayPal
15:50 - Why PayPal won?
17:37 - India's degrading work culture
20:09 - Her Experience in Israel
22:41 - How did she start working in India?
24:30 - Why does MobiKwik exist?
26:53 - Difference between Urban & Rural India
30:44 - Why are banks not giving loans?
33:52 - How does MobiKwik grant loans?
36:26 - Biggest finance problems in india
42:07 - How to trust financial platforms?
45:45 - US Vs India in financial sector
48:15 - How will India become the 3rd largest power?
53:21 - Why shouldn’t we follow the West blindly?
55:50 - Is India under utilising women workforce?
1:04:09 - Denied funding for being a woman?
1:06:40 - Art of negotiation
1:10:28 - Rejected for a feature by a famous magazine?
1:15:08 - Conclusion
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About Raj Shamani
Raj Shamani is an Entrepreneur at heart that explains his expertise in Business Content Creation & Public Speaking. He has delivered 200+ speeches in 26+ countries. Besides that, Raj is also an Angel Investor interested in crazy minds who are creating a sensation in the Fintech, FMCG, & passion economy space.
To Know More,
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#Podcast #FiguringOut #RajShamani
About Figuring Out
Figuring Out Podcast is a Candid Conversations University where Raj Shamani brings raw conversations with the Top 1% in India.
Muza ya samj nahi aata..... Papa phd...... Every one literate.... Studied in NIT........mother and father is working in may be in near in 2002 afford forigen travel ,stuied abroad then ..... .... How come ur simple middle class person..... Its ok if u say ur from Rich class.......... No middle class afford that...even today......... I think it is articulated story because of IPO launching
Bhai IPO matlab apna dimag ka load hatana.. sabse zada social isi moke pe hona laajmi hota hai.. bass Jo bhi hai sach hona chahiye
Bhai itna bhi sach nahi bolna tha
Main gareeb hu bolke sympathy lena h, maximum stories me yahi hota h
Middle Class has 2 sub classes,
1. Lower Middle class
2. Upper Middle Class
She falls in 2nd one
5 lakh saving padhai me lagane
Jab bahen ka contact California me bola 😅 me bhi sochra tha ki fir shyd hum middle class bhi nhi hai 😅
'Bakchodi mat kro kaam kro faltu ki bate mat kro Kaam kro aur jao' ye best tha sir
Kab bola bhai time stamp de
Search kr
@@shallowsharma9349
❤❤❤
She is big feku. Mobikwik is already busted . Indian banks are doing profit more then any peer banks
Lekin Founders Bakchodi karne mein sabse aagey hain 😂
Founders want their employees to take risk because they are working in Startup by doing all bakchodi
3.25,Simple background: pita ji 1960-70 me Phd thee....
Isko Highley education family bolte hai.....simple nahi.
Centre government me professor salary bhi achi hogi, mummy music government teacher, 2 government salaries ,..
Upper class me atte hai bhai...
Inhone bola Banks ke pass infrastructure hota hai so unko operating cost jayeda lagta hai... Fir MobiKwik ko operating cost low hoga because they are digital... Now MobiKwik is charging 48% annual interest on loan and other banks are still charging 10 % - 15% annual interest. Chote cities ke logo ko lootne ka kaam...
Vo tumhari prob hai 😅 usaki nahi
I loved how she got scholarships without any Godfather as middle class .she really gave new path to indian students who want to study but can't due to financial issue. Hats off to her. Thank u Raj ji ,pls share such more idea for new generations
Successful woman - happy and confident. Respect. Thank you Raj for this show.
Glad you really liked it 💯
Stupid lady 😂 don't use cards use cash it circulates cash Nd gets 10 people work done with the same cash... Otherwise these people in the name of convince spell doooom for the nation same use cash is lowest denomination Esp while withdrawing money from banks
IPO is going to come means . . .
Now investors are ready to quit (as I have observed in the past).
Actually it's a deal during inception of such company that , if you want investment, you have to come up with an IPO within an agreed period, so that, they can exit with profit. And people think, company is growing and good time to invest.
Let's see. 😄
@issacdhan ....yes you are correct ...I had 60 k in mobikwik , I withdrew full amount today ...
Raj Shamani, what a podcast man. I have watched 2 podcast of urs and both are so knowledgeable.
You ask really deep questions which are helping India's youth to grow. Thankx a lot Raj. Number 1 podcast in india.❤
Mobikwik is kind of trap once you in for any wallet sanction (my case only 25k), they won't stop reporting in cibil even if you not use it.... customer care not responding for closure.
Looks hyped story......anyways loves Raj Shamani podcast ....no doubt
Now she did a brilliant backchodi, Mobikwik hasn't solved any problems till now. Respect her aspirations, baki sab gas
This lady is phenomenal very inspiring❤please get more people like her
she is scam master
Indian banking sector is at pace and robust its th3 indian banking sector why we are not getting affected by inflation as other countries . you know what weak is it is mobikwik thes3 guys living in bubble burning cash and choding gyan
But as alwys your very very good RAj 🙏
The main question should have been asked.... Why Mobikwik which was launched before Paytm, is now far behind Paytm, PhonePe, Bharatpe etc.
Just harping on woman angle is counterproductive
@JohnSmith - The main lesson here is (for you) - read, understand and then ask questions. Seriously are you comparing Paytm, a company on the path to bankrupsty with Mobikwik? Watch reality shows for entertainment.
Paytm phonepe has huge funding and shares from China. Maybe mobiwiki doesn't get much funding from abroad. Once you tie up with multinationals, you'll have to share all the data of customers as well. We have seen what happened between paytm and government. Maybe she wants to play safe
@@anisarkar1024 Mobikwik is also on way to bankruptcy without reaching the valuation of Paytm, they have not been able to list on stock exchange also.
And there's no silly questions only silly answers
I Never installed mobikwik i never clicked on their clickbait ad
Same here.. I have never seen anyone using mobikwik
Mobikwik 1.6 star review he.
Jb initially 2012 me mobikwick or Paytm aaya tha TB mai dono use krti thi but 2015 k baad band kr diya qki kuch v offers ni dete h, koi coupon ni, koi discount ni, koi cashback ni... bilkul boring... but mai still Paytm use kr rahi hu wo v as a Main payment gateway app.... I'm just wondering ki ye yaha kya baat kr rahi hogi, not going to see the vdo... bas comments padh Rahi hu...
Video aacha he Mobikwik se to. Ho sake to 1.5x speed me thoda bahut
@@khemsinghparmar82064.3 he
She is talking of giving loans to rural, yet they are charging 36% interest per annum, People know this if you are using app
Loved it❤. Her attitude 🔥.
We don't want role models like Anushka, we need more people like her.
Who wants silly models and movie actors. We want to listen to people with real achievements like Upasana Taku
Who said that Anushka is a role model, she is not even a model...
yeah, so stop using makeup shts n insta reels now n focus on ur career
What we want is collectively decided by all of us, not by your or my desire.
I liked how she converted her weaknesses and dipping points into her strength. Not having money to study in Stanford could be story of so many of us bit converting it by hustling like this is mind-blowing. Leaving cushy Job is a story for many of us but having a strong belief in herself to create greater value is mind blowing. Rooting for her company's ipo too
This podcast is much better than many movies. Highly motivational 🔥
commendable attitude of Upasana ji. What a term she used - " Democratisation of financial services". Thanks for bringing out such video that talks about financial awareness. 👏👏👏👏
New discovery : Until the great madam arrived, the Indian banking system has failed miserably…. Someone who is born in digital world, doesn’t know what was the situation before…. Or is this earth shattering eye ball catching misleading caption originated by Raj Shamani….
Just because MobiKwik is failure that doesn’t mean financial systems is bad
Her vision is very clear.
How to cater to the 80% of the population is the greatest opportunity.
One of the best podcasts. How beautifully & logically She has elaborated everything. Really knowledgeable.
Your videos have been incredibly beneficial 😊 Thankyou for producing the podcasts.
We feel proud , Upasana ji, for your confidence, go ahead Nation wants a person like you🎉🎉🎉
Seriously loved this podcast & attitude of both the people in this conversation
Extraordinary women...very simple, straight forward and extremely inspiring thoughts. Super impressed by her depth of knowledge... simply amazing...India desperately needs such business women to march forward...I wish her a bright future...thanks for the podcast
I have one request to you. Story is fine but try to get into the business model like how they're generating revenue and profit? Try to get the practical exposure she got in the University which eventually gave her enough courage to run her own entity. That's more important. It's important for us to deep down into it to have experience, knowledge and expertise to build something like that. Request her to summarise her knowledge with an example to make views aware of better grasping into it. Thanks
Nikhil kamaths channel is more informative because he brings a panel and the Qs are more candid and the panel more open
In simple words "Saas Bahu Bahar Khel lena, idhar kaam kar le". Very informative podcast.
Just got time tp go through the complete podcast today...such a powerful and clear message that comes from Debjani mam..she is India's pride..
This woman is full of substance, unlike many other guests, jo sirf hawa me baate krte h.
Such well informed insights into the financial landscape of India. The fact that she even remembers the rough stats of the country shows how well she understands the problem, and genuinely cares about solving it.
One of the most value added episodes, Raj.
Loved this interview so so much. Such a powerful message. Loved her clarity of thought and where she wants to take her company. So inspiring.
Ashneer Grover bhi aisa hai
G😂😊😂😂
G😂😊😂😂
G😂😊😂😂
Upasana. Answer was very beautiful and simple. I liked it
her attitude and approach towards women equality and remarkable take on women empowerment in INDIA in its true sense is commendable. Not unlike some pseudo feminists who cries out that women are not rising in male dominant sectors due to lack of opportunities. Her thoughts on objectification of women as a beauty piece only ' the story she narrated of the so called magazine editor' shows that she believes creating her own destiny than asking others to pave them for women.
Mein aj tak is app ka sakal bhi nehin dekha hoon qr code hamare state ke ek bhi dukan mein nehin hai kahe ka profitable buisness hai yeh
Every bank staff & managers are trying to sell ULIP, Fix income plan & Insurance. This products have ROI between than 3-5%. Its major reason most indians will not be wealthy in future.
Very Very informative session sir. I want you bring her again and she should give more information about financial sector of investment. Also bring more people who can hilight the methods or provisions made by RBI for investment for villagers, workers, labours who can improve their livelihood. Thanks for her interview, I really appreciate your efforts.
When she earn she talks about independence but when he earns he thinks of taking care difference but bitter truth. Specially those who are alpha thinks non working womens are not happy
When he earns, he thinks of taking control. Learn History of all countries
@@shefali8633 both extremes are not good and she's sharing some extreme thoughts
This interview was the best ever !!
Best part is the attitude that she wants to change of people that fintech women can do it
I like the challenge and struggle Upasana had in her US journey and Risk taking appetitie she had of landing in US and struggling till last day of Stanford University . She is really a Brave woman and Risk taking. I find her Journey very inspiring
Bhai IPO ka aysa hai ki jo company product manufacture karti hai woh faida de pati hai, par woh company jo khud comission pe jinda ho woh khud ke liye kya rakhegi tumhe kya degi.
First of all congratulations for such a great podcast. Her attitude and the way of thinking was unique from the Indian context be it male or female. Secondly as you said what kind of podcast I would like you bring one renowned scientist and one renowned astrologer but both together in your podcast.
Brutally honest interview = "We are living in a bubble", "need to change the society", "need more women in work place", "best negotiations are the Win-Win ones", "real indian villages are very different from US villages, hence what works there will not work here."...
धन्यवाद ,शमानी जी यह पॉडकास्ट से आपने भारत
के डायमंड्स को ढूँढकर आपने हमारे देश को इनकी
देश भक्ति के ज़ुनून से वाक़िफ़ करवाया
🙏🙏🙏 👌👍🏻😊🇮🇳
Lady Ashneer Grover, but no doubt she is so talented and knowledgeable
Another hidden gem. Thanks for भ
Her hustle story of going to each lab in Stanford was inspiring. (Shorts banta hai)
Excellent role model for all young kids aspiring to be future tech entrepreneurs.
Title bit misleading though. ;)
I appreciate this lady for her clarity of her business in Indian ecosystem. Good to hear her.
Banks are giving lakhs and crores of loans for education and business without collateral. Banks are given exorbitant targets for this. Financial lietracy is also increasing via various media including banks themselves !! 29:15
She is a good entrepreneur but a wrong story teller to students aspiring to study in USA--Student requires to show financial resources for VISA if no financial aid is at the time of admission, I-20 is for Stanford so natural to fly to California, one just can't take domestic flight to Purdue 😬
Upasana mam is beyond fantastic. I expected a lot of English and US accents but it's so impressive that she has preserved her originality. And how amazing her journey and vision is. Just loved the podcast.
A fantastic podcast, just like you I am also a Fintech woman in Australia. It is so nice to meet a fellow fintech woman, who is passionate about raising and normalizing the social image of women. We should not have to fight so hard, but we are….
I want correct Upasana ji by saying that CDMA was present in India and it was Reliance which disrupted the mobile phone market by launching it. A similar disruption was done for data usage by launching Jio.
I really appreciate the thought process you have in taking the fintech to a newer level and wish you all the best 🙏
32:00 yes digitalisation is very much needed . But she is wrong - branch banking is self sustained model here in India with greatest PnL ever in history . Plus like gramin banks and cooperative societies are easily available for local for their financial needs . Real Bharat like 70%of people are operating via branch and cooperative societies only .
India will take another decade for transformation in digitalisation in impactful manner to cater those markets . Education is primarily very much essential to enabling this .
Very inspiring podcast.Hats off to the grit and hardwork of Upasana.
Only wish the title of the podcast was not so negative.
Now banks are give to street vendors are from 10000 onwards .
Shoppers can get loan from one lack @5% intrest. But how many people now about it.
I can give you more details where bankers are giving loan to every one.
Cdma phones were used in 2003 2004 by me also. Tata indicom and relience were the companies to launch CDMA tech mobiles for your info.
True...
This podcast is really helpful. People should be more aware regarding their finance.
Thank you for this podcast
glad you found it helpful🙌
Watched the whole interview. Loved her confidence. Sharing this three of my women friends who are entrepreneurs.
Ye madam ji bol rahi hain ki loan aapko hamare se abhi chahiye toh nahi milega, pehle aapko 1 year tak inka mobile app use karna hoga taaki poori profile ban paye. Aur ye current banking system ko bekaar bol rahi hain. Zara Villages mein ja karke govt. Banks ki condition dekh lo, fir baat karo. Aaj kal 2-3 days mein loan ho jata hai, aur zyaadatar subsidy wala loan bhi. Jisme subsidy around 25% mil jaati hai, jo ki inke case mein possible hi nahi hai.
I can just say Salute to you. Now I understand how you created this big thing. Basics same - Solving real financial issues.
Have they solved it? Yesterday one bank was declared bankrupt!
Forwarded not just to 1, but perhaps to 350 😊
With the reach that you have now, Raj, it would be highly valuable if you could continue to spread real-life inspiring stories of other successful girls...women and hidden Indian successes 🌈.
This video is one such transformational piece 👏.
thank you for your support and suggestion! Which female guest do you want to see next on our podcast?
Falguni nayar, Suchi Mukherjee
Falguni ma'am for sure.
My late husband’s book about financial and banking system worldwide will release early next year. His book wrote it in 1974. He is Dr of Law, international financial, banking, chartered accountant consultant, author, entrepreneur.
But my memoir also has the story about our worked in many poor countries to help governments financial institution, banking, economy.
Sokhom Prins, author, author, historian, influencer.
My book Love of Life - A Miraculous Story! will release early next year.
I think you should interview me when these two books are out. I want to make movie from memoir.
Also tell of my heart stolen by India. It is a matter of heart.
Loved this interview. Her overall knowledge and her thought's on normal women to India's GDP is remarkable.
Very good episode.A gutsy young lady who has worked a minor miracle.
Loved her attitude!!! Especially her take on working women!!! There's a lot to be done!! Please have her back!! Thank you
The fighting attitude of Upasana Mam. Please bring more legends with such educational background and hustling stories gives more information about ways and means of equity education for normal Indian and different age groups.
I really appreciate her grounded knowledge and Indian coustomer's psychology
I love her grit, I love the Episode, great information and no small talk or gibberish here!
We need to listen to more experts like her from across different fields. Biotechnology, Robotics, AI, Infrastructure, Power sectore there are many many professions.
Literally one of the best and most valuable podcasts I came across in your channel 👍🏻
thank you bhai🙌
She is so shrap
she is so smart and full of knowledge
Amazing real life story. More power to women in general. God bless!
The first 15 minutes of the episode is very nice. Later on arrogant wording of her is not imagined. I think upsana you deserve all the applause for your hard work. But The american style of downplaying every body is not expected. Further, you are telling that india banking system has looted the people. I can proudly say that Indian Public Sector banks has contributed a lot to the society than private ones. Here PSU ka moto is not only profits but also service. You people use the word service but you dont implement it.
Her evolution seems to be full of LUCK.
You are very good Raj
madam, India mein CDMA tha 2017-18 tak chal raha tha... rural level pe cooperative societies/self help group se loan milta hai... banks sabko loan nahi de sakati.... kuch valid income source hona jaruri hai varna loan vapas kaise karenge? 2008 mein aapka pyara USA isi chakkar mein dub gaya tha aur sabko sath leke duba tha...
Raj brother ; the way you're bringing back to back entrepreneurs /founders is really commendable. 🔥👍
Edit : Got a Heart and comment reply from my fav. 🙂🫶
20 Sept. 2023 - Mark the date
Yeah 😮
@@traveller3065🙂
thank you bro, stay tuned for more such podcasts🙌
@@rajshamani For sure brother 🫶❤️
After this interview, mobikwik will increase its customer base.Totally Impressed by her fintech mindset
The research part that your team did about Upasana being a good negotiator was a nice bit. More elements like these where you pick up one expertise of the guest and asking them a few tips on those qualities is something that’s a practical way for the listeners to learn from. Looking forward to more female entrepreneurs. 👍
Thank you for the feedback, will definitely keep this in mind 🙌
Mam when you force employees in india to come to office and force them to struggle daily in shit compact cities and traffic and after seeing this havoc when they come to office they work after a rest they work than you expect productivity lol 😅 ...
In WFH we connect dedicatedly for sometime and work and than do independent work so mam please understand from employees point of view
Remote is future.
@@rajshamaniHello Raj, thank you for bringing female entrepreneur's interview.. My suggestion is some podcast if you bring highlights on how women stayed strong in the time they r 33+ still single focusing on career yet has to struggle a lot with society question on marriage n biological clock.. City like Blr workplace listening to such questions or men themselves questions our identity n ask why u r single is sometime putting ourselves low... How women leaders deal with it if can be covered
She sounds like Taapsee Pannu😅
Crystal clear thoughts and positive vision, very nice to hear thanks
So i “have” to thank my sister- sadly shows how grateful you are with having everything.. may god bless you
Best in the business 💯No Cap❤
thanks bhai
We need more women guests on the show!
Delhi NCR-based fintech unicorn MobiKwik's net loss fell 35% in the financial year ended March 31, 2023. The startup reported a net loss of INR 83.8 Cr in the financial year 2022-23 (FY23) as against a loss of INR 128.1 Cr in the previous fiscal year. The startup's net loss stood at INR 110 Cr in FY21. Business? SERIOUSLY?? 😅
The Confidence She is expressing, coupled with the Educational Background she has is Appreciated.
My very best Wishes...
(CA. SUBHASH MAHANDRU,Age 70).
Raj thank you , you are doing excellent work and every time you invite different class of guest and I personally learn many things from the podcast....I have listened your each and every podcast....N full episodes ❤ Thank you 🙏
What a relief and joy to see successful women on this podcast!! It is so very essential for young boys and girls to see women role models also to develop a balanced mindset and have a check on their own biases.
I totally agree with this and glad you liked the podcast🙌
For that we do not need successful but arrogant men or women. For check on bias we need successful and humble men or women. Not every successful person is not inspiration, ifnhe has tantrums and hyper attitude
This lady is so straightforward i just loved her. Superb mam!
Very inspiring . Huge respect for Upasna Taku
Fantastic Interview..... Thanks for opening our eyes towards the prejudice we have to estimate the potentiality of women's contribution towards nation building by Raj ..... Am sure Upasanaji will achieve her milestone soon and will help open avenues for more Women Power !!!!
Banking system ke bare mein galat info diya. Every business merchant in India can (those that have physical shop) easily get ₹100k-₹250k without much paper work with bank. If they have consistent business receipts and bills, inventory, plant, etc. they can get large credit limits 10lacs, 20 lacs, upto crores (depends upon business size). If they have verh small business like minimum inventory, rented shop - they can also get 50k credit limit from their local banks. I have disbursed many such limits. Infact, govt banks are forced by their management to disburse these loans.
Also, regarding woman workforce : faltu ka lecture de rhe hein. Men are better multi-tasker and better at negotiations. So everything coming out of those two's mouth is not truth.
Stop treating them as gods.
Full video is full of unrealistic cringe.
Raj shamani saheb ke sawaalon se aise lagta hai ki wo mobikwik use nahi karte hain
Episode mein sabse accha kya laga: the carefree attitude of the interviewee, which must be a huge contributing factor in her success. Superb!
इतनी आसानी से सफलता नहीं मिलती,Real life Problems, Family Problems, Society Issues भी discuss कर लिया करो 🙏
Very balanced & practical views, the sky is the limit for such entrepreneurs in the country!
Excellent girl ..grt respect to such women who are self made and achieve a place
One of the best podcasts I've seen for a long time on CZcams.❤🔥
Upasana & Raj GREAT eps
Plz one WITH HUL CEO plz
thank you bro, suggestion noted
Raj, from last 5-10 videos you have improved a lot..rating you as a good content creator..keep growing..kudos..
she is right , these people actually dont get loans easily .बहुत प्रेरणादायक !
Very valued guest...lots of energy and encouragement 😊😊
This multi tasking BS needs to stop as women’s strength. Women are good at managing teams, so
Complex analysis, have sharp intellect and compassion. They have excellent intuition. So India get on with opening your minds. She is absolutely right. Thank🍁you for having Upasana.