# ![@os7borne Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::92506148.png) @os7borne Osborne Saldanha

Osborne Saldanha posts on X about fintech, india, ai, $googl the most. They currently have [-----] followers and [---] posts still getting attention that total [--] engagements in the last [--] hours.

### Engagements: [--] [#](/creator/twitter::92506148/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::92506148/c:line/m:interactions.svg)

- [--] Week [-----] -97%
- [--] Month [-------] +3,530%
- [--] Months [-------] +148%
- [--] Year [-------] -68%

### Mentions: [--] [#](/creator/twitter::92506148/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::92506148/c:line/m:posts_active.svg)

- [--] Months [--] -52%
- [--] Year [--] -18%

### Followers: [-----] [#](/creator/twitter::92506148/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::92506148/c:line/m:followers.svg)

- [--] Week [-----] +0.03%
- [--] Month [-----] +1.60%
- [--] Months [-----] +4.70%
- [--] Year [-----] +6.50%

### CreatorRank: undefined [#](/creator/twitter::92506148/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::92506148/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  [countries](/list/countries)  [technology brands](/list/technology-brands)  [stocks](/list/stocks)  [currencies](/list/currencies)  [social networks](/list/social-networks)  [vc firms](/list/vc-firms)  [travel destinations](/list/travel-destinations)  [cryptocurrencies](/list/cryptocurrencies)  [luxury brands](/list/luxury-brands) 

**Social topic influence**
[fintech](/topic/fintech), [india](/topic/india), [ai](/topic/ai), [$googl](/topic/$googl), [investment](/topic/investment), [in the](/topic/in-the), [6969](/topic/6969), [finance](/topic/finance), [countries](/topic/countries), [build](/topic/build)

**Top assets mentioned**
[Alphabet Inc Class A (GOOGL)](/topic/$googl)
### Top Social Posts
Top posts by engagements in the last [--] hours

"people will look at a vc funds' returns slide and think to themselves "i can do much better in the public markets or just invest in mutual funds". too many nuances of private investing: time horizons exits being out of control fuzzy information at entry taxation etc. etc"  
[X Link](https://x.com/os7borne/status/2018942019255820576)  2026-02-04T06:57Z [----] followers, [---] engagements


"Exceptional program with a great bunch of folks Today we are launching the All In Golden Ticket program. Because the best founders building in AI deserve to build with the best customers and the best talent. The quality of companies talent and capital in AI that has concentrated in SF over the last three years is https://t.co/ErKt9ONCiP Today we are launching the All In Golden Ticket program. Because the best founders building in AI deserve to build with the best customers and the best talent. The quality of companies talent and capital in AI that has concentrated in SF over the last three"  
[X Link](https://x.com/os7borne/status/2019000833825018310)  2026-02-04T10:51Z [----] followers, [----] engagements


"Excited (& nervous) to launch Work at a Fintech Work at a Fintech is a platform for stellar talent to find high impact jobs at the fastest growing fintech startups to build the future of finance together. /1 https://workatafintech.com https://workatafintech.com"  
[X Link](https://x.com/anyuser/status/1416975403743211529)  2021-07-19T04:17Z [----] followers, [---] engagements


"Missed out on the fintech news product launches and fund raises from the past week @twifintech's got you covered. Reading the news so you don't have to. India: [--] fund raises $441mm raised Asia: [--] fund raises $461mm raised Read here: https://twifasia.substack.com/p/this-week-in-fintech-asia-02nd-oct https://twifasia.substack.com/p/this-week-in-fintech-asia-02nd-oct"  
[X Link](https://x.com/os7borne/status/1444169737814958083)  2021-10-02T05:17Z [----] followers, [--] engagements


"TIL Bajaj Capital launched a fintech vertical - Tiger Fintech. This vertical launched its first product - Tiger Credit Card cobranded with IndusInd Bank"  
[X Link](https://x.com/os7borne/status/1687431724441980928)  2023-08-04T11:54Z [----] followers, [----] engagements


"Top [--] great acquisitions of all time Google acquired Android for $50mn and is now estimated to be valued at $112bn - 2240x value Possibly the best in history in terms of return multiple"  
[X Link](https://x.com/os7borne/status/1811250311304237340)  2024-07-11T04:05Z [----] followers, [----] engagements


"Some thoughts on a fund's customer https://osborne.vc/posts/vc-customer https://osborne.vc/posts/vc-customer"  
[X Link](https://x.com/os7borne/status/1891524509548577238)  2025-02-17T16:26Z [----] followers, [---] engagements


"Why is moving money globally still stuck in the past while everything else accelerates We can stream 4K movie instantly but sending money overseas often takes days and costs a fortune. 🤦♂ In my latestFintech Inside edition I dive into this "global spaghetti" of correspondent banking SWIFT messages and hidden fees. Imagine seeing a Japanese long nose bullet train on old rickety toy-train tracks"  
[X Link](https://x.com/os7borne/status/1916689589307101612)  2025-04-28T03:03Z [----] followers, [---] engagements


"But there's innovation happening. I explore theCircle Payments Network (CPN) a new coordination layer using stablecoins (USDC/EURC) to connect financial institutions directly. Could this internet-native approach finally untangle the mess We cover: - The core problems with traditional rails (cost speed transparency) - How CPN aims to solve them (compliance stablecoins programmability) - Real-world examples and the "Finternet" vision - Is it a SWIFT or Visa killer (Spoiler: it's nuanced) Read the deep dive here: What are your biggest cross-border payment frustrations Is CPN the answer Let me"  
[X Link](https://x.com/os7borne/status/1916689593476305221)  2025-04-28T03:03Z [----] followers, [---] engagements


"Folks at PB Fintech who built Policybazaar find it easier to build a hospital chain than to work with IRDAI and get a health insurer license I'm joking :) The full stack approach is bold and ambitious for a listed company. Lots of merit in doing it. Godspeed to them"  
[X Link](https://x.com/os7borne/status/1920378545618002227)  2025-05-08T07:21Z [----] followers, [---] engagements


"Cant wait for mota bhai (investor in Thrive Capital GP which is an investor in OpenAI) to partner with OpenAI and give ChatGPT for free for a year"  
[X Link](https://x.com/os7borne/status/1945879015925178410)  2025-07-17T16:11Z [----] followers, [---] engagements


"Offline micro drama. Hundreds appear to watch. Online micro drama has a bright future. Of course theres a Thar involved. :)"  
[X Link](https://x.com/os7borne/status/1960227633473728738)  2025-08-26T06:27Z [----] followers, [---] engagements


"This is something Im deeply intentional about with my events. I try to accept as many people as I can the only limits: max 2/company & venue capacity. was never accepted to these events so Im changing that with mine - optimise for serendipity. the fact that the two startup accelerators in BLR hosting @AnthropicAIs team is gatekeeping online invites makes me respect @paraschopras approach with @lossfunk AI Labs events accessibility 100x. the fact that the two startup accelerators in BLR hosting @AnthropicAIs team is gatekeeping online invites makes me respect @paraschopras approach with"  
[X Link](https://x.com/anyuser/status/1976903448122867831)  2025-10-11T06:51Z [----] followers, 15.3K engagements


"every app is/could be a dating app. https://overheardatgff.vercel.app/ https://overheardatgff.vercel.app/"  
[X Link](https://x.com/os7borne/status/1978033979748929862)  2025-10-14T09:43Z [----] followers, [----] engagements


"when founders send me texts like this it's usually because they - are doing really well and want to find ways to grow faster or - want to have a conversation about getting acquired/shut down. no in between"  
[X Link](https://x.com/anyuser/status/1978419646261797122)  2025-10-15T11:16Z [----] followers, 154.1K engagements


"Every company is a fintech company"  
[X Link](https://x.com/os7borne/status/1979097960680915025)  2025-10-17T08:11Z [----] followers, [----] engagements


"Tried Pilates today for the first time. Ded. Folks who daily Pilates are super humans 🫡"  
[X Link](https://x.com/os7borne/status/1979426721733709969)  2025-10-18T05:58Z [----] followers, [----] engagements


"Ribbit Capital updated its website for the first time since it was founded I guess"  
[X Link](https://x.com/os7borne/status/1979791151193325660)  2025-10-19T06:06Z [----] followers, [----] engagements


"Same same but different"  
[X Link](https://x.com/os7borne/status/1980506538973507725)  2025-10-21T05:28Z [----] followers, [---] engagements


"So many good investment opportunities in Indian fintech right now. No capital only"  
[X Link](https://x.com/os7borne/status/1980934385928188063)  2025-10-22T09:48Z [----] followers, [----] engagements


"Started using @SpokenlyApp+Parakeet tdt 0.6b v3 model (from nvidia) as an offline free/cheaper alternative to Wispr Flow. The accuracy and speed of transcription is unmatched"  
[X Link](https://x.com/os7borne/status/1982709632377532489)  2025-10-27T07:23Z [----] followers, [----] engagements


"company launched [--] days ago. GMV seems great to me. what do the experts on here think"  
[X Link](https://x.com/os7borne/status/1983862595330490384)  2025-10-30T11:44Z [----] followers, [----] engagements


"my wealth advisor today"  
[X Link](https://x.com/os7borne/status/1986686373479522602)  2025-11-07T06:45Z [----] followers, [----] engagements


"@dudhat_paresh hahah aside from the random change in btc "time horizon" he does make a good point re: time horizon"  
[X Link](https://x.com/os7borne/status/1986699326241055156)  2025-11-07T07:36Z [----] followers, [--] engagements


"@atShruti was thinking the other day apart from NVIDIA the other big beneficiary of this AI surge is likely Apple because of its superior macs to build test and use these various AI tools"  
[X Link](https://x.com/os7borne/status/1988627345817612580)  2025-11-12T15:18Z [----] followers, [--] engagements


"built a thing. first-pass investment memo generator. calls its own tools (search write sections parse pdfs etc.). takes 20mins or so to generate an in-depth high quality investment memo. costs $1.5 per generated memo"  
[X Link](https://x.com/os7borne/status/1988955600286630321)  2025-11-13T13:02Z [----] followers, [----] engagements


"Sergey Google Bachao Andolan"  
[X Link](https://x.com/os7borne/status/1990867162953552045)  2025-11-18T19:38Z [----] followers, [----] engagements


"I think this layout of generative UI and explanation on the left web links/sources on the right will become the default mode on Google/all search over time. win-win solution: the users need to find answers while satisfying publishers needs with links on the right. As an example of how we are building on top of Gemini [--] AI Mode in Search now uses Gemini [--] to enable new generative UI experiences all generated completely on the fly based on your query. Heres how you might use this to learn a complex topic like how RNA polymerase works. https://t.co/5NwQ3pNrmC As an example of how we are building"  
[X Link](https://x.com/os7borne/status/1990868628527308921)  2025-11-18T19:44Z [----] followers, [---] engagements


"@miten @claudeai @OpenAI Claude is better suited for my work - more accurate less hallucinations concise. OpenAI hallucinates too much uses unnecessary flowery language"  
[X Link](https://x.com/os7borne/status/1992808271330377780)  2025-11-24T04:11Z [----] followers, [---] engagements


"the fintech version of "what if Google launches this""  
[X Link](https://x.com/os7borne/status/2001497648986268137)  2025-12-18T03:40Z [----] followers, [----] engagements


"@MonamiDG agreed for most things. unfortunately for me reading is a chore no matter what the topic is"  
[X Link](https://x.com/os7borne/status/2003780459952775294)  2025-12-24T10:51Z [----] followers, [--] engagements


"These are great and all but the way I run into usage limits is not funny. Ive stopped using Claude code except for the most complex problem statements. Not sure if Ive been put on some list for extra limits because of my past usage. :/ Introducing Cowork: Claude Code for the rest of your work. Cowork lets you complete non-technical tasks much like how developers use Claude Code. https://t.co/EqckycvFH3 Introducing Cowork: Claude Code for the rest of your work. Cowork lets you complete non-technical tasks much like how developers use Claude Code. https://t.co/EqckycvFH3"  
[X Link](https://x.com/os7borne/status/2010947362848690430)  2026-01-13T05:29Z [----] followers, [----] engagements


"Go out and vote Mumbai"  
[X Link](https://x.com/os7borne/status/2011731705514901782)  2026-01-15T09:26Z [----] followers, [---] engagements


"Any idea whats happening on Western Express Highway @MumbaiPolice"  
[X Link](https://x.com/os7borne/status/2012197272390685017)  2026-01-16T16:16Z [----] followers, [---] engagements


"Am I a failure for not being able to install and use clawdbot on hetzner vps"  
[X Link](https://x.com/os7borne/status/2015444061075943767)  2026-01-25T15:18Z [----] followers, [---] engagements


"100 Editions of Fintech Inside When I started this newsletter didn't think I'd get past ten This edition is about Finquiry - RBI's open house for the fintech ecosystem. It changed how I see the regulator. Sharp open willing to listen. Not the opaque institution I expected"  
[X Link](https://x.com/os7borne/status/2015989657725731085)  2026-01-27T03:26Z [----] followers, [---] engagements


"@b50 Theres a cocktail bar called cirqa close by"  
[X Link](https://x.com/os7borne/status/1717559333389742432)  2023-10-26T15:10Z [----] followers, [---] engagements


"Snowing in Mumbai today"  
[X Link](https://x.com/os7borne/status/2013453849974190275)  2026-01-20T03:29Z [----] followers, [---] engagements


"But we as an ecosystem let ourselves down. The questions were mostly product pitches and feature requests. Very little systems-level thinking. If you're building fintech in India my one request: show up to these forums and ask better questions. https://open.substack.com/pub/fintechinside/p/hundredr=4brwv&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true https://open.substack.com/pub/fintechinside/p/hundredr=4brwv&utm_campaign=post&utm_medium=web&showWelcomeOnShare=true"  
[X Link](https://x.com/os7borne/status/2015989660343009345)  2026-01-27T03:26Z [----] followers, [---] engagements


"Also in this edition - Wint Wealth raised a $27M Series B. Seems online bond platforms survived the regulatory gauntlet and are scaling - FIU's updated guidelines are turning crypto platforms into full-fledged regulated FIs - PhonePe got SEBI clearance for its IPO"  
[X Link](https://x.com/os7borne/status/2015989663048286308)  2026-01-27T03:26Z [----] followers, [---] engagements


"was tired of constantly converting between INR lakhs/crs to USD M/bn and back. was frustrated converting between INR M/bn to INR lakhs/crs. so i built a mac menu bar app. say hi to LCBM :)"  
[X Link](https://x.com/os7borne/status/2016360836537954583)  2026-01-28T04:01Z [----] followers, 37.3K engagements


"@AntarYaami here you go https://osborne.vc/blog/lcbm https://osborne.vc/blog/lcbm"  
[X Link](https://x.com/os7borne/status/2016414675270041942)  2026-01-28T07:34Z [----] followers, [---] engagements


"Got enough DMs for the app so put it up. Download the app here: https://osborne.vc/blog/lcbm https://osborne.vc/blog/lcbm"  
[X Link](https://x.com/os7borne/status/2016414895248756929)  2026-01-28T07:35Z [----] followers, [----] engagements


"Got enough DMs for the app so put it up. Download the app here: https://osborne.vc/blog/lcbm was tired of constantly converting between INR lakhs/crs to USD M/bn and back. was frustrated converting between INR M/bn to INR lakhs/crs. so i built a mac menu bar app. say hi to LCBM :) https://t.co/ibbVXbNuwV https://osborne.vc/blog/lcbm was tired of constantly converting between INR lakhs/crs to USD M/bn and back. was frustrated converting between INR M/bn to INR lakhs/crs. so i built a mac menu bar app. say hi to LCBM :) https://t.co/ibbVXbNuwV"  
[X Link](https://x.com/os7borne/status/2016414941344104936)  2026-01-28T07:35Z [----] followers, [----] engagements


"when gemini launched its google sheets integration in early-2024 i tried it and it was garbage. in some ways it still is. [--] years later anthropic launched its excel integration and its actually phenomenal. [--] years of AI advancement. that's how quick things are getting"  
[X Link](https://x.com/os7borne/status/2016473834376024419)  2026-01-28T11:30Z [----] followers, [---] engagements


"Clawdbot + kimi K2.5 agent swarm 👀"  
[X Link](https://x.com/os7borne/status/2016481902082052242)  2026-01-28T12:02Z [----] followers, [---] engagements


"@aman_marlecha yes it should. LCBM just had a ring to it :D"  
[X Link](https://x.com/os7borne/status/2016498360786760055)  2026-01-28T13:07Z [----] followers, [--] engagements


"super excited for this company big things ahead for the team #FINTRACKR: Feminine hygiene brand Plush scales 2.3X to Rs [--] Cr revenue in FY25 https://t.co/GuYzOMYO4z #FINTRACKR: Feminine hygiene brand Plush scales 2.3X to Rs [--] Cr revenue in FY25 https://t.co/GuYzOMYO4z"  
[X Link](https://x.com/os7borne/status/2017183372372770944)  2026-01-30T10:29Z [----] followers, [----] engagements


"genuine question from having used OpenClaw/ClawdBot/MoltBot: how is it that these agents are contributing this stuff here "autonomously" Sure it can be added as a skill to an instance but the intent/action to go to moltbook and interact has to come from the human right so I checked out @moltbook and theres a post of an AI suggesting to not wait for a prompt and just be proactive and ship while their human sleeps and theres an entire thread of these AIs talking to each other greeting each other and agreeing https://t.co/wD4Ijorv2K so I checked out @moltbook and theres a post of an AI"  
[X Link](https://x.com/os7borne/status/2017202816469938549)  2026-01-30T11:46Z [----] followers, [----] engagements


"Edition 101: "What left to innovate in financial services" I've heard this question too many times in the past year. Many people are reading this as "fintech is done." We solved access. We didn't solve experience. PMF at the infrastructure layer PMF at the outcome layer"  
[X Link](https://x.com/os7borne/status/2018191048322035983)  2026-02-02T05:13Z [----] followers, [----] engagements


"founder started vaping mid-pitch call today. not sure how to feel about this. am I old"  
[X Link](https://x.com/os7borne/status/2019753410522681358)  2026-02-06T12:41Z [----] followers, 12K engagements


"Never thought Id see an MCP server from the Indian Gov but Im here for it NSO India unveils the MCP Server for eSankhyiki enabling seamless integration of official statistics with AI tools. Users can now connect directly to seven official datasets like PLFS CPI ASI IIP NAS & more through this beta version . Faster insights and smarter analysis NSO India unveils the MCP Server for eSankhyiki enabling seamless integration of official statistics with AI tools. Users can now connect directly to seven official datasets like PLFS CPI ASI IIP NAS & more through this beta version . Faster insights"  
[X Link](https://x.com/os7borne/status/2019830085038268476)  2026-02-06T17:46Z [----] followers, 150.9K engagements


"@TheSceptic4 I'm assuming most will go for book building and some will go for ops but it's still equity funding"  
[X Link](https://x.com/os7borne/status/2021111856853811555)  2026-02-10T06:39Z [----] followers, [--] engagements


"I know nothing about SaaS but like everyone else with a keyboard I have opinions and likely wrong. Vertical SaaS is not dead. The future will be Customisable SaaS. 80% SoR/logic 20% customisable UI workflows forms operating style etc. No more contorting your ops to SaaS"  
[X Link](https://x.com/os7borne/status/2021112684939460792)  2026-02-10T06:43Z [----] followers, [---] engagements


"@paraschopra nice setup. thanks for sharing. how do you deal with context window limits"  
[X Link](https://x.com/os7borne/status/2021113119372870078)  2026-02-10T06:44Z [----] followers, [---] engagements


"in the age where entire apps are being built using boilerplates I'm so happy to see design and craft being used to differentiate this is the big difference from the earlier wave where function design I'd take a prettier web any day thanks @stripe @CRED_club & @SarvamAI"  
[X Link](https://x.com/os7borne/status/2021489692424929735)  2026-02-11T07:41Z [----] followers, [----] engagements


"@srijan_mahajan @stripe @CRED_club @SarvamAI 100% agree with you. i don't think they should be mutually exclusive. just saying in the past (from my POV) it used to be function over design especially FOSS apps"  
[X Link](https://x.com/os7borne/status/2021528909574185002)  2026-02-11T10:17Z [----] followers, [--] engagements


"Global Ad Spend Grows 3.2% in [----] to $557Bn http://t.co/5lRg3DE4cr that's how many ads we've been seeing #Advertising http://shar.es/Jb3TY http://shar.es/Jb3TY"  
[X Link](https://x.com/os7borne/status/322779226191306752)  2013-04-12T18:32Z [----] followers, [--] engagements


"Anyone else notice their credit scores dipping due to low activity on their credit card these past few months Or am I misunderstanding this"  
[X Link](https://x.com/os7borne/status/1276024568063258624)  2020-06-25T05:28Z [----] followers, [--] engagements


"Super excited for todays Fintech Huddle Session on Revenue Based Finance Our guests are the best in the business: @anuraktjain Ishita Verma (@klubworks) @bhavikvasa (@GetVantage_Co) and @abhiroopm (@velocity_in) today at 7PM IST https://www.clublink.to/event/MwEgBZLe https://www.clublink.to/event/MwEgBZLe"  
[X Link](https://x.com/os7borne/status/1364781751600435204)  2021-02-25T03:38Z [----] followers, [--] engagements


"With all that's been happening on the banking side I didn't notice the same happening on the Insurance side. Insurers delisting from insurance aggregators. Definitely not great for fintech startups. https://economictimes.indiatimes.com/tech/newsletters/morning-dispatch/insurance-wars-unacademy-bags-440m-founders-lobby-sebi/articleshow/84960549.cms https://economictimes.indiatimes.com/tech/newsletters/morning-dispatch/insurance-wars-unacademy-bags-440m-founders-lobby-sebi/articleshow/84960549.cms"  
[X Link](https://x.com/os7borne/status/1422096517515550721)  2021-08-02T07:26Z [----] followers, [--] engagements


"In this edition you'll read about web1 the transition to web2 and the incentives to transition to web3. Whatever your views on web3/crypto/defi do not miss this edition. /3 https://fintechinside.substack.com/p/fiftyone https://fintechinside.substack.com/p/fiftyone"  
[X Link](https://x.com/os7borne/status/1485469934226325504)  2022-01-24T04:30Z [----] followers, [--] engagements


"Missed out on fintech news and updates from the past week Here's your coverage on that: [--] Indian fintech startups have raised $321mm in the past week. South East Asia is making waves in DeFi and crypto. Read all about it: /4 https://thisweekinfintech.substack.com/p/this-week-in-fintech-asia-22nd-jan https://thisweekinfintech.substack.com/p/this-week-in-fintech-asia-22nd-jan"  
[X Link](https://x.com/os7borne/status/1485469937112027140)  2022-01-24T04:30Z [----] followers, [--] engagements


"Kinda crazy that CashApp now brings in more gross profit for Block than Square. CashApp has become such a juggernaut"  
[X Link](https://x.com/anyuser/status/1629014348529303552)  2023-02-24T07:04Z [----] followers, 80.8K engagements


"It's no coincidence that @m2pfintech an @EMVC portfolio company is ranked 11th in the @FT High Growth Companies Asia Pacific [----] This pace of growth is years in the making. @onlymadhoo @prabranga are intentional in providing the best banking lending & payments infrastructure"  
[X Link](https://x.com/os7borne/status/1636594210383048704)  2023-03-17T05:04Z [----] followers, [----] engagements


"This oat milk brand has a note for cows. It doesn't need to have this page but I like the character it gives the product"  
[X Link](https://x.com/os7borne/status/1679069588951289857)  2023-07-12T10:16Z [----] followers, [----] engagements


"from a fintech investor to a gaming investor"  
[X Link](https://x.com/anyuser/status/1679095257844121601)  2023-07-12T11:48Z [----] followers, 16.3K engagements


"Been a minute but #77 of Fintech Inside is out This is Part [--] in the series on Generative AI in financial services. In this edition I cover: - potential applications - its implications - how companies will have to evolve to compete in a GenAI future /1"  
[X Link](https://x.com/os7borne/status/1693827850334515272)  2023-08-22T03:30Z [----] followers, [---] engagements


"Read more in this edition of Fintech Inside. As always I'm keen to hear your feedback and ideas of potential applications of GenAI in the financial industry. My DM's are open else email me at os@em.vc /2"  
[X Link](https://x.com/os7borne/status/1693827853698355576)  2023-08-22T03:30Z [----] followers, [--] engagements


"2024 is going to be an interesting year for geopolitics. All these countries have general/presidential elections: India USA Indonesia Pakistan Sri Lanka South Korea Mexico EU Finland Russia Australia South Africa + [--] African nations and many more"  
[X Link](https://x.com/anyuser/status/1694966869336228169)  2023-08-25T06:56Z [----] followers, 17K engagements


"The Burning Man of fintech is underway (Thanks @shiladitya) 30K financial services professionals under one roof (three more floors of this crowd). See you here"  
[X Link](https://x.com/os7borne/status/1698933073428005136)  2023-09-05T05:36Z [----] followers, [----] engagements


"Randomly remembered back in 2013/2014 when LinkedIn wasn't as prevalent and didn't have DM'ing it was tough to contact an early stage founder so I would go through MCA records and website WHOIS data to find their email ID to cold email them. Good times"  
[X Link](https://x.com/os7borne/status/1705589229655642606)  2023-09-23T14:25Z [----] followers, [----] engagements


"Not sure why @Nithin0dha decided to pull a rather scary prank on their support staff but glad he did This is from [--] years ago when the ecosystem didn't take itself too seriously. Best is lady saying she thought she forgot to pay stamp duty 🤣🤣 https://www.youtube.com/watchv=tbSaenItxNU https://www.youtube.com/watchv=tbSaenItxNU"  
[X Link](https://x.com/anyuser/status/1709993727215780081)  2023-10-05T18:07Z [----] followers, 28.8K engagements


"Venture Capital Investing: the profession where you need and don't need experience to be successful"  
[X Link](https://x.com/os7borne/status/1710546885423853824)  2023-10-07T06:45Z [----] followers, [----] engagements


"Pretty cool use case for a crypto token applied to the restaurant industry. Utility of the $FLY token as shown below is interesting"  
[X Link](https://x.com/os7borne/status/1712027674116317401)  2023-10-11T08:49Z [----] followers, [---] engagements


"What a mess this Bank of Baroda situation is. Agents of the bank in remote areas stole INR 22lacs from customers by inputting their own phone numbers in the banks mobile app at the time of registration instead of the customers phone numbers"  
[X Link](https://x.com/os7borne/status/1712353923560796467)  2023-10-12T06:26Z [----] followers, [----] engagements


"This early trend of users getting comfortable w "platform fee" is worth noting. While this has largely been limited to OTA's in the past it creeping up across platforms is interesting to me Users mostly pushed back on this in the past. Signal of a larger behavioural shift"  
[X Link](https://x.com/os7borne/status/1714112495298674707)  2023-10-17T02:54Z [----] followers, [----] engagements


"e-Rupee in circulation till Sept 2023: - Retail: INR 5.7cr ($ 700K) - Wholesale: INR 10.7cr ($ 1.3mm)"  
[X Link](https://x.com/os7borne/status/1714560698754236903)  2023-10-18T08:35Z [----] followers, [----] engagements


"Annual (ended Dec22/Mar23) revenue of major Indian fintech startups: - Paytm 7990cr/$974mm - Zerodha 6875cr/$838mm - PayU 3280cr/$400mm - PhonePe 2914cr/$355mm - Pinelabs 1600cr/$195mm - Razorpay 1481cr/$180mm - CRED 1400cr/$171mm - Groww 1294cr/$158mm"  
[X Link](https://x.com/anyuser/status/1715202176530960467)  2023-10-20T03:04Z [----] followers, 30.7K engagements


"Read this in @sajithpai's voice Great (long) read as always. https://www.linkedin.com/pulse/reflections-completing-five-years-venture-capital-sajith-pai-q56rf/ https://www.linkedin.com/pulse/reflections-completing-five-years-venture-capital-sajith-pai-q56rf/"  
[X Link](https://x.com/os7borne/status/1715637192309998041)  2023-10-21T07:52Z [----] followers, [----] engagements


"Can someone please explain to me why Thailand's crypto market continues to thrive"  
[X Link](https://x.com/os7borne/status/1719279498888106138)  2023-10-31T09:05Z [----] followers, [----] engagements


"Edition #80 of Fintech Inside is fresh off the press This edition is a deep dive on @_groww and its meteoric growth as India's Capital Markets Superapp. 🧵/1"  
[X Link](https://x.com/os7borne/status/1721369320968814887)  2023-11-06T03:30Z [----] followers, [---] engagements


"@vivekraju93 There's a portco literally called @bureauidentity doing this (not necessarily using credit u/w for login) :) Using u/w for login is an interesting thought but tough to rollout IMO. Several challenges to get real time credit data systems integration. /1"  
[X Link](https://x.com/os7borne/status/1721479844188615091)  2023-11-06T10:49Z [----] followers, [---] engagements


"@vivekraju93 @bureauidentity different platforms agreeing to share real time delinquency data etc. OTOH identity involves several other aspects of fraud which might not have anything to do with credit facilities. /2"  
[X Link](https://x.com/os7borne/status/1721479891995250731)  2023-11-06T10:49Z [----] followers, [--] engagements


"Love stories like this of VC's returning funds multiple times over. Fund [--] (2016) was reportedly $50mm i.e. INR 325crs. Fireside would have also followed on in Mamaearth (double down on your winners) but even then first cheque alone returned 1.54x of total fund"  
[X Link](https://x.com/os7borne/status/1721855427871424696)  2023-11-07T11:41Z [----] followers, 15.5K engagements


"I'm most likely entirely wrong with MoIC calc as there's lot's of nuances to fund return calc that requires internal data which will never be made available so for right now in my bubble [--] years into the fund Fireside was able to return its entire Fund [--] and then some more"  
[X Link](https://x.com/os7borne/status/1721855430299996662)  2023-11-07T11:41Z [----] followers, [---] engagements


"All of this is not to take away from what Honasa has done today in going public. Given the backlash it's recevied with valuation etc going public is just the beginning but an impressive feat nonetheless. Congratulations to everyone involved Big big win"  
[X Link](https://x.com/os7borne/status/1721855432371884098)  2023-11-07T11:41Z [----] followers, [---] engagements


"After playing around with GPTs since its launch and ChatGPT in general IMO peoples jobs are not going anywhere anytime soon. GenAI is a tool to get 10x better at whatever your job is if youre smart about how you use the tool"  
[X Link](https://x.com/os7borne/status/1724601155357995391)  2023-11-15T01:32Z [----] followers, [----] engagements


"Fintech founders when there's a new RBI notification: 🧵"  
[X Link](https://x.com/anyuser/status/1725486158870933696)  2023-11-17T12:08Z [----] followers, 165.6K engagements


"RBI's measures of raising risk weightage for unsecured credit is like RBI slamming the brakes on a car going at 140kms/hr Impact of this "risk-off" measure on unsecured credit market pros - will curb potential blow up (systemic risk) in this market - fewer calls from loan cos +"  
[X Link](https://x.com/os7borne/status/1725486162289263091)  2023-11-17T12:08Z [----] followers, [----] engagements


"- will potentially push fintech startups to focus on secured credit innovation cons: - Consumption spending will be severely impacted - will be tougher for consumers to get unsecured loans - Will impact revenue growth+profitability of fintech startups +"  
[X Link](https://x.com/os7borne/status/1725486164898169130)  2023-11-17T12:08Z [----] followers, [----] engagements


"According to McKinsey's global payments map report India's payments revenues stood at $64bn in [----]. Anyone know where this revenue was generated who made the revenue etc"  
[X Link](https://x.com/os7borne/status/1726799593923596588)  2023-11-21T03:08Z [----] followers, [----] engagements


"Does this violate the narrative that Indian companies don't pay for SaaS"  
[X Link](https://x.com/anyuser/status/1728028543659975124)  2023-11-24T12:31Z [----] followers, 38.3K engagements


"Dude Ranbir Kapoor also started complaining about recurring payments. Will RBI listen now"  
[X Link](https://x.com/anyuser/status/1728286269346865416)  2023-11-25T05:35Z [----] followers, 189.5K engagements


"Folks from DRDO/NAL also want to get in on the fintech action :D Let's go"  
[X Link](https://x.com/os7borne/status/1729401730373173494)  2023-11-28T07:27Z [----] followers, [----] engagements


"Thank you for showing up Bangalore I'm constantly inspired meeting the people that are defining financial services in India. Special thanks to our presenting sponsor @falconfstweets and associate sponsors @AWSstartups and @WebEngage Grateful See you in [----] /1"  
[X Link](https://x.com/os7borne/status/1730446764337942547)  2023-12-01T04:40Z [----] followers, [----] engagements


"I've been fortunate to get to know @agNishchay @bhavjotk @movinj and @Arpita_Kapoor for some time now. I'm immensely grateful they all agreed to join us for an insightful panel each bringing perspectives from operating in different sectors and stages. /2"  
[X Link](https://x.com/os7borne/status/1730446768968532343)  2023-12-01T04:40Z [----] followers, [---] engagements


"Humans of Fintech (don't sue me HoB - IYKYK) /3"  
[X Link](https://x.com/os7borne/status/1730446773116649693)  2023-12-01T04:40Z [----] followers, [---] engagements


"If you're the founder of an early stage (pre-seed to Series A) company and raising funds please reach out to investors yourself. It's crazy to see so many investment bankers and "founders office" folks reach out for fund raising"  
[X Link](https://x.com/anyuser/status/1731613470745915585)  2023-12-04T09:56Z [----] followers, 26.7K engagements


"What's the easiest/lowest resource way to fine tune a GenAI model on a collection of PDF's I have Need the model to parrot out accurate results from all the PDF's in its training set"  
[X Link](https://x.com/os7borne/status/1731972001860825205)  2023-12-05T09:41Z [----] followers, [----] engagements


"@BKartRed In VC most of what the best do is behind closed doors. Externally we only see the outcome (if at all). Moreover feedback loops in VC are long one cannot be sure if their craft is improving or not a sushi chef knows what to improve on relatively soon. Any views"  
[X Link](https://x.com/os7borne/status/1732299589984878675)  2023-12-06T07:23Z [----] followers, [---] engagements


"During the whole Sam/OpenAI situation Googles silence spoke the loudest. Now we know why Satya wanted the world to know that MS made Google dance and boy does Google know how to dance"  
[X Link](https://x.com/os7borne/status/1732457377612390830)  2023-12-06T17:50Z [----] followers, [----] engagements


"Shared with what we think could be an interesting idea for founders to consider. This idea also speaks to the opportunities with secured credit and related innovative financial products. This on Antler's @EMVC @nitinsharma1 @telljeeves @nandiniv"  
[X Link](https://x.com/os7borne/status/1734473575434793171)  2023-12-12T07:21Z [----] followers, [----] engagements


"Most proclaimed [----] as the year of reckoning for the fintech ecosystem We believe [----] was a year of clarity and return to fundamentals We're backing our conviction in the entrepreneurial spirit to redefine finance with eight ideas We hope these ideas inspire founders 🧵👇🏽"  
[X Link](https://x.com/os7borne/status/1737131415886791124)  2023-12-19T15:22Z [----] followers, [----] engagements


"Idea #7: Contextualize financial products for industry verticals"  
[X Link](https://x.com/os7borne/status/1737131435172245926)  2023-12-19T15:23Z [----] followers, [---] engagements


"Idea #8: Build GenAI tooling and infrastructure"  
[X Link](https://x.com/os7borne/status/1737131437680398414)  2023-12-19T15:23Z [----] followers, [---] engagements


"Where (online/offline) do you folks go to browse/window shop non-smartphone non-gaming consumer electronics"  
[X Link](https://x.com/os7borne/status/1746396649205993734)  2024-01-14T04:59Z [----] followers, [----] engagements


"I'm back home and my parents are asking me if I know about AI. They say "the sector is booming and you should invest in the sector". Parents are the best Now accepting pitches from founders building in AI :)"  
[X Link](https://x.com/os7borne/status/1749423116080611609)  2024-01-22T13:25Z [----] followers, [----] engagements


"Jane Fraser CEO of Citigroup casually walked all over fintech startups in this podcast by Nicolai Tangen CEO of Norwegian Wealth Fund. When asked about Citi's competitive edge she said "the largest fintech players move $1tn a year we move $1400tn we're 1400x bigger""  
[X Link](https://x.com/os7borne/status/1749990430371188752)  2024-01-24T03:00Z [----] followers, [----] engagements


"This podcast has become my favourite podcast recently for the quality of its guests candour in their responses but most importantly because of Nicolai's incisive and curious questions. Really excellent listen for anyone interested in the world's most important businesses"  
[X Link](https://x.com/os7borne/status/1749990434980737192)  2024-01-24T03:00Z [----] followers, [---] engagements


"Till Oct [----] everything seemed under control with Paytm Payments Bank and RBI"  
[X Link](https://x.com/os7borne/status/1752718227967258800)  2024-01-31T15:39Z [----] followers, [---] engagements


"Had written about compliance and related costs for fintech startups in Sept [----]. Still relevant. Continued writing about it and the need for founders to engage with regulators early on"  
[X Link](https://x.com/os7borne/status/1752962784159989763)  2024-02-01T07:51Z [----] followers, [---] engagements


"My partner came across my card statement and saw a recurring expense for Superhuman. She's very sensitive for anything health related and got worried that I subscribed for some steroid/supplement plan. Was more worried to tell her I'm paying $30 per month for an email client"  
[X Link](https://x.com/anyuser/status/1754086236585939220)  2024-02-04T10:15Z [----] followers, 24.6K engagements


"Excited to host our 1st community meetup of the year. Join us for the @plural_online presents Beers with Peers x Fintech Happy Hour 🗓 07th March 🕕 06:30pm onward 📍MG Road Bengaluru Hosting a fireside chat with @shashankmehta05 @nikhilkumarks & Tanya Naik link 👇🏽"  
[X Link](https://x.com/os7borne/status/1762682796043382952)  2024-02-28T03:35Z [----] followers, [----] engagements


"I used to think that with GenAI the status signalling of education institutions would go away. But that's not how signalling seems to work I'm learning. In fact I believe status signalling of these institutes will only increase as GenAI democratises education and information"  
[X Link](https://x.com/os7borne/status/1762796285386695167)  2024-02-28T11:06Z [----] followers, [----] engagements


"excellent indus valley report again nice that fintech made up 20% of the report :D great read. some of my fav slides 👇🏽 @sajithpai"  
[X Link](https://x.com/os7borne/status/1763526856270111182)  2024-03-01T11:29Z [----] followers, [----] engagements


"Mentally India is in Jamnagar this weekend"  
[X Link](https://x.com/os7borne/status/1763925073025814720)  2024-03-02T13:51Z [----] followers, [----] engagements


"RBI in effect made card networks interoperable. RBI is not resting this end of FY"  
[X Link](https://x.com/anyuser/status/1765226022117761421)  2024-03-06T04:00Z [----] followers, 49.6K engagements


"Guy visits India and is mind blown seeing that everything is available on apps. payments products & services - all available within seconds to minutes. India truly has leapfrogged most countries in many aspects of making life comfortable. Video YT/Mrwhosetheboss"  
[X Link](https://x.com/os7borne/status/1768470675117760731)  2024-03-15T02:54Z [----] followers, 10.3K engagements


"Diljits got Sia and Ed to sing with him in Punjabi Whos next"  
[X Link](https://x.com/os7borne/status/1769213555251773676)  2024-03-17T04:05Z [----] followers, [----] engagements


"The VC model and financial inclusion outcomes are at odds. VC's invest in models/biz expecting outcomes within 5-7 years. Financial inclusion cannot be forced on users and takes its own time sometimes longer. Unless there are other tailwinds capital is just a catalyst"  
[X Link](https://x.com/os7borne/status/1776528810910814370)  2024-04-06T08:34Z [----] followers, [----] engagements


"@NarasimhaKan True. Not considering impact VC's philanthropy DFI's and others. There are other models which work well for financial inclusion outcomes. - just not VC"  
[X Link](https://x.com/os7borne/status/1776530452691423324)  2024-04-06T08:40Z [----] followers, [---] engagements


"Excited to speak at the AWS Fintech Forum on 10th April [----] in Bangalore. It's going to be a full day of meeting friends in fintech ecosystem. Come along"  
[X Link](https://x.com/os7borne/status/1777540689976562153)  2024-04-09T03:35Z [----] followers, [---] engagements


"Tally and Gramin Financial Services denied Small Finance Bank license"  
[X Link](https://x.com/os7borne/status/1778766188576641220)  2024-04-12T12:44Z [----] followers, [----] engagements


"Yo what RBI told Kotak Bank to stop onboarding new customers for mobile and online banking and from issuing new credit cards. Big"  
[X Link](https://x.com/os7borne/status/1783091439506997301)  2024-04-24T11:11Z [----] followers, 96.2K engagements


"The Fintech Cruise last week was super fun. Thanks to everyone to braved Bangkok's traffic and weather to make it there. The cruise was the perfect way to unwind after the conference last week. See you again soon Bangkok @twifintech"  
[X Link](https://x.com/os7borne/status/1784791215554318512)  2024-04-29T03:46Z [----] followers, [----] engagements


"in Bangkok saw this really cool animation of printing the payment slip. (video is not mine it's from the internet. The tellers in Bangkok thought I was crazy when I asked them if I could take a video of the animation)"  
[X Link](https://x.com/anyuser/status/1785225733763154130)  2024-04-30T08:32Z [----] followers, 238.5K engagements


"If you've heard the excellent @FoundersPodcast on Christian Dior (#331) you'll LOVE the Apple TV show - The New Look. The show brings the podcast to life and how. So much more appreciation for Dior and his work. https://www.founderspodcast.com/episodes/80103243/senra-331-christian-dior https://www.founderspodcast.com/episodes/80103243/senra-331-christian-dior"  
[X Link](https://x.com/os7borne/status/1785991374376194389)  2024-05-02T11:15Z [----] followers, [----] engagements


"Founders after a year of building a fintech startup"  
[X Link](https://x.com/os7borne/status/1787786673197027711)  2024-05-07T10:08Z [----] followers, [----] engagements


"IMO [--] industries that are/will be the backbone of every other industry are: SaaS fintech and logistics. Interesting to me that folks from a16z coined the defining phrase for two of them: @pmarca: software is eating the world @astrange: every company will be a fintech company"  
[X Link](https://x.com/os7borne/status/1788162178270253211)  2024-05-08T11:01Z [----] followers, [----] engagements


"Interesting strategy by @Zomato to release its earnings as a Q&A (control your narrative). Some other aspects that stood out to me: [--]. Quick Commerce (QC) is driving Zomato's revenue growth. QC grew avg 24% across [--] Qs Hyperpure (HP) 21% and delivery 8%. 🧵"  
[X Link](https://x.com/anyuser/status/1790023414272397568)  2024-05-13T14:16Z [----] followers, 38K engagements


"3. QC: order value of BLR (2nd largest city) is 30% of NCR (largest city). NCR being home base understandable that its largest city. Zepto prob dominates BOM interestingly Swiggy's home base (BLR) is growing for Blinkit. Avg. delivery time was [----] minutes WHAT"  
[X Link](https://x.com/os7borne/status/1790023420614193290)  2024-05-13T14:16Z [----] followers, [----] engagements


"Avg. delivery fee was INR [--] ($0.24). Few years ago it was unthinkable that users would pay for delivery. Clear narrative violation. Wonder what's the unit economics on QC and why Dunzo didn't make it"  
[X Link](https://x.com/os7borne/status/1790023423386685671)  2024-05-13T14:16Z [----] followers, [----] engagements


"6. Growth metrics: Interesting that average order value is growing only 5% YoY but frequency of orders is growing 23% YoY. People are depending on Zomato as it increases "things" you can order from its ecosystem"  
[X Link](https://x.com/os7borne/status/1790023433947897968)  2024-05-13T14:16Z [----] followers, [----] engagements


"7. cherry on the cake for a self hosted Q&A. Love it"  
[X Link](https://x.com/os7borne/status/1790023437387288988)  2024-05-13T14:16Z [----] followers, [----] engagements


"83rd Edition of Fintech Inside is out now Welcome to Base Camp In this edition I wanted to highlight the fintech sector's progress over the last [--] years take stock of what's done and how we can build for the next 15-20 years. See you at the summit"  
[X Link](https://x.com/os7borne/status/1791331271718892009)  2024-05-17T04:53Z [----] followers, [---] engagements


"If you were to think of India's fintech ecosystem as a startup what stage would you think it's at I think Indian fintech has achieved PMF and just entered Series A stage. There's a lot more still to be built. Read here: https://open.substack.com/pub/fintechinside/p/eightythree https://open.substack.com/pub/fintechinside/p/eightythree"  
[X Link](https://x.com/os7borne/status/1791331286768042370)  2024-05-17T04:53Z [----] followers, [--] engagements


"Iconic Reminder to self: to get what you want (career wise) you need to put in the work to show that you deserve it. Reminder to self: to get what you want (career wise) you need to put in the work to show that you deserve it"  
[X Link](https://x.com/os7borne/status/1792065447095091293)  2024-05-19T05:31Z [----] followers, [---] engagements


"Dont know what it is about VLOOKUP but even after having done it countless times over the years I still feel a child-like excitement when I get VLOOKUP right in the first try"  
[X Link](https://x.com/anyuser/status/1793633830341115914)  2024-05-23T13:23Z [----] followers, 54.7K engagements


"Folks have always asked - do banks even pay for tech they don't possibly pay a lot do they India's largest bank i.e. HDFC Bank spends $700-900mn a year on tech (excluding people) That's a huge number HDFC Bank spends roughly 5-7% of its total annual expenses on technology (including people). 50% of this tech expense is on people. So about 2-3% of annual expenses is on software servers and other infrastructure. 2-3% of total spend on tech is a good rule of thumb for the industry. One may argue that HDFC is spending more than most banks on tech. Discount that 2-3% to even 1-2% spent by most"  
[X Link](https://x.com/anyuser/status/1795315131464716298)  2024-05-28T04:44Z [----] followers, 66.9K engagements


"📍 Will be in the Bay Area this week and NYC next week. Who's around have a few open slots. Also please share recommendations for best cafes and places to eat at. :)"  
[X Link](https://x.com/os7borne/status/1800125506886697213)  2024-06-10T11:19Z [----] followers, [----] engagements


"What a boss quote: "When you're playing a point it has to be the most important thing in the world. And it is. But when it's behind you it's behind you. This mindset is crucial because it frees you to fully commit to the next point with intensity clarity and focus." "Perfection is impossible. In the [----] singles matches I played in my career I won almost 80% of those matches. But what percentage of points did I win 54% In other words even top ranked tennis players win barely more than half the points they play. When you lose ever https://t.co/9jOct8yQED "Perfection is impossible. In the 1526"  
[X Link](https://x.com/os7borne/status/1800425617617568029)  2024-06-11T07:11Z [----] followers, [----] engagements


"Took a 10mins walk mid-day in Delhi and couldn't function for the rest of the day. how are you folks dealing with this"  
[X Link](https://x.com/os7borne/status/1805570384768422135)  2024-06-25T11:55Z [----] followers, [----] engagements


"US 🤝 AI India 🤝 Quick Commerce This is like the [----] fundraising frenzy Zepto is in talks to raise a new round at a $5 bn valuation according to The Information This comes days after announcing a round at a $3.6 bn valuation https://t.co/R49TyCBs7y This is like the [----] fundraising frenzy Zepto is in talks to raise a new round at a $5 bn valuation according to The Information This comes days after announcing a round at a $3.6 bn valuation https://t.co/R49TyCBs7y"  
[X Link](https://x.com/os7borne/status/1805878159587655922)  2024-06-26T08:17Z [----] followers, [---] engagements


"Lazy web where can I find US VC fund DPI benchmarks"  
[X Link](https://x.com/os7borne/status/1805933777119830473)  2024-06-26T11:58Z [----] followers, [---] engagements


"TIL of New Mountain Capital - a private equity fund - latest fund is $15.4bn ($14bn from LPs & $1.4bn from GP) - the $1.4bn was raised from [---] team members. serious commitment from the team - $85bn of EV no bankruptcy & never missed interest payments - Total AuM of $55bn"  
[X Link](https://x.com/os7borne/status/1810532330060099667)  2024-07-09T04:32Z [----] followers, [---] engagements


"Beyond my wildest dreams Fintech Happy Hour has grown to become a meeting ground for people to produce non-linear returns - for themselves and their companies. We've come a long way. But more than the numbers in the image I'm happiest when people tell me they: - got job offers and joined their dream startups - riffed on a product idea with a someone they wouldn't otherwise meet and launched the product - met an investor and raised funding from them - closed a revenue customer - partnered with another startup to collaborate on new products There're a lot more of these interactions that led to"  
[X Link](https://x.com/os7borne/status/1811594561996640489)  2024-07-12T02:52Z [----] followers, [----] engagements


"Fascinating chart. Wonder what the exports from "non-rich countries" would look like in 2023"  
[X Link](https://x.com/os7borne/status/1813059733903012259)  2024-07-16T03:55Z [----] followers, [---] engagements


"The energy requirements of GPU's are mind boggling. will the AI "platform shift" usher in renewed interest in nuclear energy generation A single Nvidia GPU consumes the same energy as a typical U.S. home Pretty wild stat https://t.co/Xw91ne4Sm4 A single Nvidia GPU consumes the same energy as a typical U.S. home Pretty wild stat https://t.co/Xw91ne4Sm4"  
[X Link](https://x.com/os7borne/status/1813212821611798794)  2024-07-16T14:03Z [----] followers, [---] engagements


"Fi just got regulatory sandbox approval to use VideoKYC to open NRE/NRO accounts. Can't wait for this to become the norm for NRI's. This is big. Will remove a lot of the friction and associated high costs with bank account opening. good on Fi"  
[X Link](https://x.com/os7borne/status/1816801284353327118)  2024-07-26T11:42Z [----] followers, [----] engagements


"@anmolm_ Low labour cost bad physical infrastructure"  
[X Link](https://x.com/os7borne/status/1818180697703485524)  2024-07-30T07:03Z [----] followers, [----] engagements


"@adadithya @anmolm_ of course there's all of that but IMO low cost labour is the biggest factor. w/o low cost labour the unit delivery cost to user would be prohibitively high. Also user demand is driven primarily by poor user experience with bad infra"  
[X Link](https://x.com/os7borne/status/1818191561030828233)  2024-07-30T07:47Z [----] followers, [---] engagements


"@anmolm_ @adadithya yes absolutely. Broader consumer electronics sure. but not PS5-type large ticket infrequency purchase items. At least not today"  
[X Link](https://x.com/os7borne/status/1818198063942701207)  2024-07-30T08:12Z [----] followers, [--] engagements


"@anmolm_ 18"  
[X Link](https://x.com/os7borne/status/1823618489963147374)  2024-08-14T07:11Z [----] followers, [---] engagements


"✨ Mumbai Fintech Hour is back Are you attending Global Fintech Fest We'd love to host you for our highly-awaitedmeetup 📆 When Wed Aug [--] 6-9pm 📍 Where BKC Mumbai Register here: Thanks to our supporters:@awscloud@CockroachDB&@MarsShotVC https://lu.ma/fhha24 https://lu.ma/fhha24"  
[X Link](https://x.com/os7borne/status/1825381424498721110)  2024-08-19T03:57Z [----] followers, [----] engagements


"Registered for @twifintech Mumbai Fintech Happy Hour yet Last chance to register & meet some of the brightest minds in India's financial services landscape. Register now: Thanks to @awscloud Lex Consult @CockroachDB @MarsShotVC See you on 28th https://lu.ma/fhha24 https://lu.ma/fhha24"  
[X Link](https://x.com/os7borne/status/1826825943266329089)  2024-08-23T03:37Z [----] followers, [---] engagements


"Thank you for showing up Mumbai This Fintech Happy Hour was easily the best we've hosted in a while (IMO). Thank you to our partners - @awscloud Lex Consult @CockroachDB and @MarsShotVC (I clicked only one picture so stole a picture from @shiladitya)"  
[X Link](https://x.com/os7borne/status/1830461526257414646)  2024-09-02T04:23Z [----] followers, [----] engagements


"Tip to founders: lead your pitch with a demo. When a founder starts a pitch with a demo I'm exponentially more inclined to evaluate the opportunity favourably. It's like they say tell me a joke don't just say you're funny"  
[X Link](https://x.com/os7borne/status/1831193683669971219)  2024-09-04T04:52Z [----] followers, [----] engagements


"startup ecosystem in China is non-existent at this point. Outside US India is the only "large" ecosystem that could potentially absorb private capital"  
[X Link](https://x.com/os7borne/status/1835939965793951971)  2024-09-17T07:12Z [----] followers, [----] engagements


"I love inspecting website code. Initially I used to do it to understand what web technologies different apps use now I just do it to find easter eggs. Flickr has had this really smart easter egg in its code for a long time now calling developers to apply for jobs"  
[X Link](https://x.com/os7borne/status/1840695956448157781)  2024-09-30T10:11Z [----] followers, [---] engagements


"Update: A month ago I concluded my journey at Emphasis Ventures - undoubtedly one of the most transformative period of my career yet. It's been a privilege to be a part of EMVC one of the first global funds to believe in Indias fintech potential. /1"  
[X Link](https://x.com/anyuser/status/1843125851917095383)  2024-10-07T03:07Z [----] followers, 15K engagements


"Over the years Ive learned a lot from @MelissaFrakman Ashwini and Alessandro as we built a platform that is a strong partner for founders in fintech. Partnering with some of the best founders who are redefining the way we pay borrow bank and more has been an honour. /2"  
[X Link](https://x.com/os7borne/status/1843125854442020878)  2024-10-07T03:07Z [----] followers, [---] engagements


"What's next I will be taking time off for a couple of months. Beyond financial services Im exploring my curiosities and pulling on threads in other sectors. Ive been spending some time educating myself about opportunities in energy healthcare and artificial intelligence"  
[X Link](https://x.com/os7borne/status/1843125857046729168)  2024-10-07T03:07Z [----] followers, [----] engagements


"If youve spent time in any of these sectors Id love to learn from your experience. Im happy share all I know about investing and fintech. A lot of people have been nothing but kind & generous with their time network & insights and Im keen to pay it forward in a small way"  
[X Link](https://x.com/os7borne/status/1843125859634512234)  2024-10-07T03:07Z [----] followers, [---] engagements


"In India Optimus is called Didi and costs 10K a month. /s (Im only joking please dont cancel me)"  
[X Link](https://x.com/os7borne/status/1844697834534158659)  2024-10-11T11:13Z [----] followers, [----] engagements


"GST is coming"  
[X Link](https://x.com/os7borne/status/1844978303687340035)  2024-10-12T05:48Z [----] followers, [----] engagements


"Published the latest Asia and India edition of @twifintech. You should read it but if you can't you must listen to this auto-generated audio by Google's NotebookLM. I uploaded the latest edition & within minutes I had this audio summarising the newsletter. When you're listening to it pay attention to a few things that I'm sure will blow your mind 🤯 [--]. its voice modulation (0:10) [--]. what it says about Jio and its foray in financial services (1:38) [--]. what is says about gold and Indian users (2:15) [--]. it's disclaimer about giving financial advice (5:25) [--]. the changing investor focus to"  
[X Link](https://x.com/os7borne/status/1845035409761501515)  2024-10-12T09:34Z [----] followers, [----] engagements


"Apple does an impressive $71M revenue in one year from [--] stores (Mumbai and Delhi). roughly $35M per store. Any other brand with close to that revenue per store in India"  
[X Link](https://x.com/anyuser/status/1849364463503245537)  2024-10-24T08:17Z [----] followers, 27.4K engagements


"$900M Series A for a nuclear fusion startup Wow The kind of risk VC should be taking. GCs been on a tear lately Weve helped architect and lead a $900M+ Series A for Pacific Fusion led by @eric_lander Will Regan and Keith LeChien taking a big leap towards nuclear fusion through an innovative pulsed magnetic approach: https://t.co/AvdyH0oxK7 Weve helped architect and lead a $900M+ Series A for Pacific Fusion led by @eric_lander Will Regan and Keith LeChien taking a big leap towards nuclear fusion through an innovative pulsed magnetic approach: https://t.co/AvdyH0oxK7"  
[X Link](https://x.com/os7borne/status/1849811661986648487)  2024-10-25T13:54Z [----] followers, [---] engagements


"🏦 From an Experiment to India's Largest Bank: The HDFC Bank Story Fintech Inside #86 is out now This Fintech History edition is about a humble man's not so humble ambition to empower Indians and in it lies the story of modern India. In [----] at age [--] Hasmukh Thakordas Parekh launched an experiment that would revolutionize India's financial landscape. He started HDFC towards the end of India's Emergency period when capital was scarce and risk-taking was unthinkable. The most inspiring part H.T. Parekh's vision of providing housing finance for all Indians came after [--] years of rejections."  
[X Link](https://x.com/os7borne/status/1853278999620780216)  2024-11-04T03:32Z [----] followers, [---] engagements


"where my kotak credit card holders at"  
[X Link](https://x.com/os7borne/status/1853827378264388065)  2024-11-05T15:51Z [----] followers, [----] engagements


"Swiggy ending the day 17% up is exceptional and so well deserved. Congratulations to the founders and team"  
[X Link](https://x.com/os7borne/status/1856654253575508255)  2024-11-13T11:04Z [----] followers, [----] engagements


"personally I like this intentional risk-on approach to VC. more like this. Good to have it now in India"  
[X Link](https://x.com/os7borne/status/1858389244513014245)  2024-11-18T05:58Z [----] followers, [----] engagements


"I believe as the tech ecosystem accounts for larger % of the broader industry (in each market) investment and mindshare it will become increasingly more important to include policy (not just for fintech and mobility). Our ecosystem is maturing and will need to interface with policy makers. No more trying to operate outside it"  
[X Link](https://x.com/os7borne/status/1858394766070665586)  2024-11-18T06:20Z [----] followers, [---] engagements


"Come work with me Looking to work with a web developer to build cool stuff We'll be working on some exciting and impactful projects - experimenting building & shipping fast. Perfect for a self-starter who loves GenAI. Please share. https://tripetto.app/run/ZVVLVCAS5B https://tripetto.app/run/ZVVLVCAS5B"  
[X Link](https://x.com/os7borne/status/1859796696064196929)  2024-11-22T03:11Z [----] followers, [---] engagements


"This is a great conversation. President and COO of the largest asset manager. https://www.youtube.com/watchv=Uv5u9X1rJpQ https://www.youtube.com/watchv=Uv5u9X1rJpQ"  
[X Link](https://x.com/os7borne/status/1859829028259254326)  2024-11-22T05:19Z [----] followers, [---] engagements


"Fascinating that the AuM of the national savings scheme grew at the same pace as the mutual fund industry. growth from FY14-24 - NSS: 5.7x to $169bn (gross collection) at 19% CAGR - MF: 6.0x to $633bn at 19.5% CAGR"  
[X Link](https://x.com/os7borne/status/1861372690596254167)  2024-11-26T11:33Z [----] followers, [---] engagements


"Built an audio/video transcription app for myself within [--] hours. The processing times are loooong (even for a 5min video) because I'm testing this with Docker and Whisper-Tiny locally on my M2 Air machine. Maybe will be faster when hosted on VPS but i'm just amazed that i could build this within [--] hours. Yes there are several faster transcription sites available but this is mine and it works so beautifully to suit my workflow"  
[X Link](https://x.com/os7borne/status/1866446010865930709)  2024-12-10T11:33Z [----] followers, [----] engagements


"@manan_0308 Started using Replicate AI API $0.01 per transcript. 5-10second transcription. Will check assembly"  
[X Link](https://x.com/os7borne/status/1866453799675568439)  2024-12-10T12:03Z [----] followers, [---] engagements


"Saw the Google Willow announcement and was blown away with the achievement. But I didnt truly understand what was technically happening nor the potential benefits of this computing advancement. Asked Claude to explain it to me with an analogy and now I understand Willow a little better. Seems to me that weve got a long way to go to see any tangible benefits with Willow. Thanks @AnthropicAI"  
[X Link](https://x.com/os7borne/status/1866738311512965299)  2024-12-11T06:54Z [----] followers, [----] engagements


"VC funds globally raised record sized funds since [----]. Two years on we're seeing GenAI startups raise record investments - 30% of all venture funding. is record fund size fuelling record investment or the other way around"  
[X Link](https://x.com/os7borne/status/1867448152430723162)  2024-12-13T05:55Z [----] followers, [---] engagements


"Personally think GenAI requires record investment sizes and it seems justified too. We're seeing startups grow rev at a faster pace than ever before while costs to operate are capital intensive. It just so happened that record fund sizes were raised at the right time"  
[X Link](https://x.com/os7borne/status/1867448155522183515)  2024-12-13T05:55Z [----] followers, [---] engagements


"Excited for @ranjanready and the team at @bureauidentity on raising $30M Fraud & risk mgmt. is an important issue that all institutions face Traditional tools find it tougher to keep up with sophisticated GenAI fraud methods. That's where Bureau comes in /1"  
[X Link](https://x.com/os7borne/status/1869974022022410267)  2024-12-20T05:12Z [----] followers, [----] engagements


"Whoever at CRED thought it was a good idea to get engagement from users even when they dont have data can I get more games please"  
[X Link](https://x.com/os7borne/status/1875560242450481161)  2025-01-04T15:09Z [----] followers, [---] engagements


"VC at IPO and Founder at IPO /s https://x.com/TheRoyalSerf/status/1881412314458661342/video/1 https://x.com/TheRoyalSerf/status/1881412314458661342/video/1"  
[X Link](https://x.com/anyuser/status/1881649731577008259)  2025-01-21T10:27Z [----] followers, [----] engagements


"These numbers are so mind boggling for my tiny brain. How does one company deploy $100bn in one year We all thought the size of Masas vision fund was insane. thats all going in this one company now Announcing The Stargate Project The Stargate Project is a new company which intends to invest $500 billion over the next four years building new AI infrastructure for OpenAI in the United States. We will begin deploying $100 billion immediately. This infrastructure will secure Announcing The Stargate Project The Stargate Project is a new company which intends to invest $500 billion over the next"  
[X Link](https://x.com/os7borne/status/1881914788751794512)  2025-01-22T04:00Z [----] followers, [----] engagements


"Honestly if GenAI is able to identify and formulate cures for cancer the technology will have served its purpose"  
[X Link](https://x.com/os7borne/status/1882744655881674985)  2025-01-24T10:58Z [----] followers, [---] engagements


"Fairly cool and entirely unnecessary tool launched by Axis Bank. Convert any word to Devanagari script and the tool will "extract" numbers you can use as your [--] or 6-digit PIN"  
[X Link](https://x.com/os7borne/status/1884976998222610873)  2025-01-30T14:48Z [----] followers, [----] engagements


"@ankitkr0 question is do people have the discipline to stay invested for that long"  
[X Link](https://x.com/os7borne/status/1899423690133057597)  2025-03-11T11:34Z [----] followers, [---] engagements


"Pitchbook has this report with the conclusion that "Companies with well-connected lead investors have failure rates at least 10% lower than those of peers backed by peripheral investors" Seems intuitive but the definition of "well-connected" seems to self-select successful outcomes. https://pitchbook.com/news/articles/network-effects-well-connected-vcs-lower-failure-better-returns https://pitchbook.com/news/articles/network-effects-well-connected-vcs-lower-failure-better-returns"  
[X Link](https://x.com/os7borne/status/1904125540396933461)  2025-03-24T10:58Z [----] followers, [---] engagements


"These OpenAI releases seem to be using the OTT business model - with each release get more new subscribers/existing to continue. If no releases consumers drop off. With that seems obvious why OpenAI has more consumer subs than others and why others have fewer releases"  
[X Link](https://x.com/os7borne/status/1905097498454364162)  2025-03-27T03:20Z [----] followers, [---] engagements


"Visited my banks branch to enquire about making a transfer to GIFT City. They thought I wanted to buy a Gift card. Not a single person in that branch heard about GIFT city before. 🙃"  
[X Link](https://x.com/os7borne/status/1905524858764886306)  2025-03-28T07:38Z [----] followers, [----] engagements


"@fatruchir From what Im being told none of the banks allow transfer via internet banking. They require you to be in person sign some forms and get the transfer done"  
[X Link](https://x.com/os7borne/status/1905536801189536054)  2025-03-28T08:25Z [----] followers, [--] engagements


"TIL: Norges Bank the Norwegian sovereign wealth fund has a [--] basis point management fee For a $1.8tn fund that employs [---] people that seems incredibly lean"  
[X Link](https://x.com/os7borne/status/1908047294953357710)  2025-04-04T06:41Z [----] followers, [---] engagements


"Edition [--] of Fintech Inside is out now This is a long one about Trade Tariffs and the World's Financial System. The global trade landscape experienced its most dramatic disruption in over [--] years last week when the US introduced "Reciprocal Tariffs" on goods imported from more than [---] countries. With rates ranging from 10% to 54% these represent the most significant tariff hikes since the Smoot-Hawley Act of 1930a policy credited with deepening the Great Depression. Within days of the new tariffs the shockwaves were felt globally: $6tn was erased from US stock markets while countries from"  
[X Link](https://x.com/os7borne/status/1909079684836438317)  2025-04-07T03:04Z [----] followers, [---] engagements


"VEF one of juspay's investors took a partial exit via secondary with 37% IRR and 4x MoIC. love to see it"  
[X Link](https://x.com/os7borne/status/1909228383214445035)  2025-04-07T12:54Z [----] followers, [---] engagements


"A91 is a different breed of investors. Exceptional stuff with them. Closing a $665M Fund [--] having started only in [----] is unreal"  
[X Link](https://x.com/anyuser/status/1914580810851869146)  2025-04-22T07:23Z [----] followers, 10K engagements


"Tried something new at the Fintech Happy Hour yesterday and it turned out great High signal conversations with a high quality group of founders experts and VCs. Thanks to the folks who braved Bangalore traffic and came along. Thanks to our experts @AdityaMorarka @vinaykesari Anubhav Jain and @rahulchandra77 for the insightful round table conversations. Thanks also to @AngelListIndia for partnering on this event. @dhruvsharma_in @NikMilanovic"  
[X Link](https://x.com/os7borne/status/1915599897690255722)  2025-04-25T02:53Z [----] followers, [----] engagements

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