Is this true or is it just me?
I feel at this point there are no moats in consumer fintech.
The framework seems to be in a rut, everybody is doing the same thing.
Account aggregator, spend insights, personal loans, credit card, mutual funds, indian stocks, us stocks, etc etc.
If 5 different apps have literally the same features, with no meaningful edge over the other, what would you go for? How do they stand out?
Customer support? Onboarding? Branding? Picking a niche TG?
Wanna hear what other product folks think about this.
Real innovator seems to be RBI and NPCI. So call fintech startups that are supposed to innovate just print metal cards with visa or mastercard logi in them with ppi or credit on this or that. Tired of fintech scene
Money is changing forms.
Fintech future book by Sanjay Phadke,
Broken money by Lyn alden
tells the same story
Jamaica
No moat. Except lending nothing in consumer Fintech is money making.
9/10 companies in the same space have the same feature set. Bigger companies are legit morphing into the exact same super app.
More and more, it feels like it's all about execution with fintech.
Do cool things only come out of iSPIRT?
Cred is truly a topic of surprise for me. Yes, I understand it has created a community of top spenders/credit worthy people in India. I also understand that they can use the information on such people for creating value for themselves.
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