Fintech has the power to build a more inclusive world. Fintech for the People is about the innovators who are developing fintech solutions that reach the people who’ve been left behind. In each episode, we’ll hear from innovators who are creating financial solutions that provide people with the financial tools they need to grow their business, support their family, and build their community. Together, we’ll learn how fintech looks different in spaces and places where basic financial services are a luxury — and how solutions to address these challenges require a different level of creativity, empathy, and execution.
Fintech for the People is an Accion podcast hosted by Amee Parbhoo, Managing Partner of Accion Ventures — which deploys capital in early-stage inclusive fintech. Episodes will be released in seasons, on a weekly schedule.
Automating Corporate Banking Infrastructure in India
Fintech for the People Season 9, Episode 5 featuring Vaibhav Tambe, Co-founder and CEO of TBX
Rahil is joined by Vaibhav Tambe, co-founder and CEO of TBX (formerly Transbnk), a transaction banking platform that helps financial institutions and fintechs automate financial operations across multiple banking relationships.
Corporate banking has long run on fragmented, manual processes that add friction to disbursements and collections. Vaibhav and Rahil discuss the shift from paper-based systems to programmable infrastructure, how TBX positions itself as the connective layer between banks and the businesses that use them, and how simplifying recurring payments through the Unified Payments Interface (UPI) AutoPay is expanding access for rural borrowers and microfinance institutions.
Episode highlights:
Defining transaction banking and stripping away the jargon of wholesale finance.
The founding story: Building a solution based on 12 years of lived problems and customer feedback within the Indian banking system.
Solving the fragmentation problem by integrating with the APIs of every bank, from large public lenders to rural cooperatives.
How the optical fiber network analogy applies to building a foundational layer for financial workflows.
Driving financial inclusion by enabling rural non-banking financial companies (NBFCs) and microfinance companies to disburse and collect loans digitally.
The transformative impact of UPI AutoPay on collection efficiency.
Digital underwriting for borrowers who lack access to traditional paper banking tools.
The “thousand flowers bloom” effect: Opening up bank APIs so fintech innovators can build point solutions without massive overhead.
Why reconciliation-first architecture and heartbeat monitoring are essential for building trust in financial infrastructure.
The global vision: Expanding to 100 countries to ensure financial infrastructure is never a barrier to business expansion.
To learn more about TBX, visit their website (https://www.tbx.co.in/). Learn more about Accion Ventures on our website (https://www.accion.org/ventures) and LinkedIn (https://www.linkedin.com/company/accion-venture-lab/).
28 Jul 2026
Scaling Embedded Lending in Southeast Asia
In this episode, Rahil talks with Markus Prommik, CEO of Finfra, a company that gives lenders in Southeast Asia the infrastructure to build and run their own credit products. Markus started out lending directly before shifting to building the underlying systems, and he explains why conventional lending models so often fail small businesses in Indonesia.
Markus and Rahil walk through what it takes for a lender to bring a credit product to market, from licensing and distribution to customer verification and automated collections, and how handling those pieces centrally lowers the barriers to entry. They also get into how lenders weigh a borrower's willingness to repay against their capacity to, and where embedded finance could open up cross-border trade.
Episode highlights:
Improving unit economics through embedded credit integration versus open-market lending.
Navigating the six-step phase for lenders: from regulatory compliance and licensing to capital and reporting.
Lowering entry barriers for global lenders by leveraging Finfra’s established lending license in Indonesia.
Bridging the gap between capacity to pay and willingness to pay through embedded finance and seamless collections.
Utilizing alternative, real-time data points - such as logistics proof-of-delivery - to underwrite underserved segments.
Solving the challenges of fragmented payment infrastructure in Indonesia through automated collection tools.
The transition from simple financial access to sustainable access through higher-quality, context-aware products.
Future opportunities for fintech infrastructure in cross-border trade and geopolitical cooperation within Southeast Asia.
To learn more about Finfra, visit their website (https://www.finfra.io/). Learn more about Accion Ventures on our website (https://www.accion.org/ventures) and (https://www.linkedin.com/company/accion-venture-lab/)LinkedIn (https://www.linkedin.com/company/accion-venture-lab/).
21 Jul 2026
Modernizing the Financial Plumbing of India’s Supply Chains
Fintech for the People Season 9, Episode 3 featuring Shrinivas Kasar, Co-founder of Cashinvoice
In this episode, Rahil is joined by Cashinvoice co-founder Shrinivas Kasar, whose company connects large corporate buyers, their suppliers, and lenders to finance unpaid invoices and free up working capital.
India's small businesses face a credit gap estimated at ₹25 trillion, much of it tied up in invoices that take weeks or months to pay out. Shrinivas and Rahil discuss why that gap persists, how connecting corporate systems with lenders lets suppliers get paid on outstanding invoices sooner, and what a partnership with SWIFT India aims to standardize across the country's trade finance. Looking ahead, Shrinivas explains how AI, central bank digital currencies, and tokenization could extend cash-flow lending into India's tier-2 and tier-3 cities.
Episode Highlights:
Bridging the 25 trillion rupee credit gap for India’s MSME sector.
Overcoming the infrastructure gap caused by siloed digital systems and manual paperwork.
Inverting the traditional lending model by leveraging buyer creditworthiness to finance suppliers.
Creating standardized financial rails through a strategic partnership with SWIFT India.
Transforming the cumbersome foreign exchange (FX) hedging and forward contract process.
Achieving efficiency gains in corporate treasury management and audit compliance.
Utilizing digital trails from goods and services tax (GST) filings and alternate data for more accurate credit underwriting.
Reimagining the future of working capital through AI-led analytics, central bank digital currencies (CBDCs), and tokenization.
To learn more about Cashinvoice, visit their website (https://www.cashinvoice.in/). Learn more about Accion Ventures on our website (https://www.accion.org/ventures) and (https://www.linkedin.com/company/accion-venture-lab/)LinkedIn (https://www.linkedin.com/company/accion-venture-lab/).
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Apple Podcasts (US)
5.0 / 5
4 ratings
Spotify
5.0 / 5
5 ratings
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