Are Cards REALLY the EASIEST Way to Pay? #shorts

What does it take to build one of India's most important fintech companies from scratch?
In this candid and deeply insightful conversation, Razorpay co-founder Harshil Mathur walks us through his journey, from coding at IIT Roorkee and working on oil rigs at Schlumberger to co-creating Razorpay, a company that has redefined digital payments in India. We dive into the early struggles of being taken seriously as young founders, the organic evolution of Razorpay from a side project, and the philosophy behind choosing a B2B path when the world was chasing B2C valuations. Harshil also unpacks the real complexity behind payment systems, the rise of UPI, the regulatory ecosystem, and what the future of seamless, biometric-based payments looks like.
Whether you're a fintech enthusiast, aspiring founder, or just curious about how India's digital economy was built-this episode is packed with stories, strategies, and sharp insights.
Chapters:
0:00 - Intro
3:35 - Sam Altman's advice to Harshil
10:15 - Harshil's endeavours before Razorpay
14:58 - Founding Razorpay and scaling to unicorn
20:50 - Why digital payments are so difficult
22:04 - Future of biometric payments
25:25 - The journey of UPI
27:00 - IPO Talk
28:00 - More on UPI evolution
32:27 - UPI's framework explained
36:25 - How payment gateways make money
39:15 - Unicorns in the fintech space
39:54 - Fintech's endgame: Lending
42:35 - Why SMEs lending remains unsolved
45:01 - Is it hard for fintechs to break out?
46:55 - Advice for fintech entrepreneurs
52:20 - How Razorpay uses AI
54:01 - Razorpay as a "First Person" company
56:51 - How AI will change businesses
58:37 - Razorpay's market positioning
59:50 - Razorpay's company culture
1:02:52 - Why Indian companies are rushing to IPO
1:04:10 - How Harshil spends his time
1:05:30 - Fintech regulations in India
1:08:30 - Harshil's approach to leadership
1:10:15 - Outro

About SparX by Mukesh Bansal

SparX is a podcast where we delve into cutting-edge scientific research, stories from impact-makers and tools for unlocking the secrets to human potential and growth.

We believe that entrepreneurship, fitness and the science of productivity is at the forefront of the India Story; the country is at the cusp of greatness and at SparX, we wish to make these tools accessible for every generation of Indians to be able to make the most of the opportunities around us.

In a new episode every Saturday, our host Mukesh Bansal (Founder of Myntra and Cult.fit) will talk to guests from all walks of life and also break down everything he's learnt about the science of impact over the course of his 20-year long career.

This is the India Century, and we're enthusiastic to start this journey with you.

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Also check out our website: https://www.sparxbymukeshbansal.com
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Fasion | Outbreak | Courtesy EpidemicSound.com

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