{"id":354,"date":"2022-06-07T16:50:18","date_gmt":"2022-06-07T11:20:18","guid":{"rendered":"https:\/\/test.tntra.io\/blog\/?p=354"},"modified":"2025-02-18T19:00:04","modified_gmt":"2025-02-18T13:30:04","slug":"fintech-chronicles-part-2-the-holy-grail-of-fintech","status":"publish","type":"post","link":"https:\/\/www.tntra.io\/blog\/fintech-chronicles-part-2-the-holy-grail-of-fintech\/","title":{"rendered":"FinTech Chronicles, Part 2: The Holy Grail of FinTech"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #c4161d;color:#c4161d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #c4161d;color:#c4161d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tntra.io\/blog\/fintech-chronicles-part-2-the-holy-grail-of-fintech\/#What_is_the_%E2%80%9CHoly_Grail_of_FinTech%E2%80%9D\" >What is the \u201cHoly Grail of FinTech?\u201d<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tntra.io\/blog\/fintech-chronicles-part-2-the-holy-grail-of-fintech\/#Listen_to_our_latest_podcast_episodes_on_Innovation_FinTech_and_more\" >Listen to our latest podcast episodes on Innovation, FinTech, and more!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Fastacash is a global payments platform that enables users to exchange a huge variety of valuables. Users can send cash, airtime, coupons, pictures, etc., using a single platform. The company uses social media platforms and messaging apps to serve its users.<\/p>\n\n\n\n<p>The idea behind this <a href=\"https:\/\/www.tntra.io\/fintech-software-development\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech company<\/a> is to collate all the \u201cexchange of value\u201d services under a single roof. It is built around a simple yet well-executed idea.<\/p>\n\n\n\n<p>Fastacash, as a FinTech application, didn\u2019t start with a million dollars. It progressed slowly and steadily with access to capital\/funding at a decent pace. It now has a funding of $15 million and has over 1 million registered users.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_%E2%80%9CHoly_Grail_of_FinTech%E2%80%9D\"><\/span>What is the \u201cHoly Grail of FinTech?\u201d<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In the <a href=\"https:\/\/www.tntra.io\/blog\/fintech-chronicles-part-1-early-fintech-era-and-its-adoption\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>first article<\/strong><\/a> of the FinTech Chronicles series, we talked about the advent and evolution of FinTech, FinTech startups, and more. It described FinTech in its early stages and the initial experiences of the pioneers of FinTech. Now a question poses itself, \u201cWhat does the future of FinTech look like?\u201d<\/p>\n\n\n\n<p>\u201cThat\u2019s where the Holy Grail of FinTech comes in,\u201d says <a href=\"https:\/\/www.linkedin.com\/in\/mdezai\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mehul Desai<\/a>, Chairman and Co-founder of <a href=\"https:\/\/www.tntra.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tntra<\/a>.<\/p>\n\n\n\n<p>Let\u2019s hear his ideas about how The Holy Grail of Fintech has the capability to transform the entire FinTech industry.<\/p>\n\n\n\n<p>\u201cThe expression Holy Grail comes from pursuing something elusive. It\u2019s like something that is unachievable, but still, it\u2019s important to go after that. As a FinTechnocrat working in the space for almost 30 years, when I think about the next 20 years, I ask, \u201cwhere would FinTech be? What would I set my sight on? What is going to drive me as a FInTechnocrat for that time?<\/p>\n\n\n\n<p>I use the expression \u201cthe normalization of the cost of accessing capital.\u201d So when you ask \u201c<a href=\"https:\/\/tntra-podcast.captivate.fm\/episode\/the-holy-grail-of-fintech\" target=\"_blank\" rel=\"noreferrer noopener\">What is the Holy Grail of FinTech<\/a>?\u201d- It is essentially finding the normalization of the cost of accessing capital.<\/p>\n\n\n\n<p>Today, we know that there\u2019s a lot of capital out there. But different people within a particular market, depending on who you are, your background, what you do, your history, all the signs &#8211; all of that collectively sets up the access to capital differently.<\/p>\n\n\n\n<p><strong><em>It is important to know that not everyone has the same access to capital, and not everyone pays the same cost of capital.<\/em><\/strong><\/p>\n\n\n\n<p>As a FinTechnocrat, FinTech firms constantly use technology to solve friction in the financial space. While it started with digital wallets, if you really ask me at the end of the day, if we can find ways whereby we can normalize the cost of accessing capital, saying regardless of who you are, where you are, how you are operating &#8211; but based on a set of metrics as it\u2019s about responsible access. If we can find ways to normalize the cost of accessing capital, tremendous societal good can come from that.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Read more:&nbsp;<\/strong><a href=\"https:\/\/www.tntra.io\/blog\/new-age-story-of-fintech\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Have you heard the New-Age Story of FinTech yet?<\/strong><\/a><\/p>\n<\/blockquote>\n\n\n\n<p>Those who have the most dire need for capital invariably end up paying the most for accessing it. There are lots of people out there, in millions, who need the capital, who finally have found ways to access capital. Yet, when it comes to the cost that they have to pay to access the capital, despite being responsible players in the system &#8211; they end up paying the highest cost.  <\/p>\n\n\n\n<p>As FinTechnocrats, if we can collectively harness all of our learning and take the current era of democratizing finance &#8211; if we can find a way to normalize the cost of accessing capital for these responsible players, I believe we will bring around tremendous societal good. It will have implications way beyond the <a href=\"https:\/\/www.tntra.io\/blog\/fintech-companies-cant-stay-away-from-python\/\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech industry<\/a>. That is what I mean by the Holy Grail of FinTech.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Listen_to_our_latest_podcast_episodes_on_Innovation_FinTech_and_more\"><\/span>Listen to our latest podcast episodes on Innovation, FinTech, and more!   <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div style=\"width: 100%; height: 200px; margin-bottom: 20px; border-radius: 6px; overflow: hidden;\"><iframe style=\"width: 100%; height: 200px;\" frameborder=\"no\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/player.captivate.fm\/episode\/a5eef44e-4e51-4063-aa39-460b1455d2fa\"><\/iframe><\/div>\n\n\n\n<p>Normalizing the cost of accessing capital is a worthy goal. Is it achievable? I believe it won\u2019t be easy, but I am confident it can be done. It will take a lot of stakeholders, trials and errors, start-stops, and more. That is when the new era of FinTech will begin to materialize.<\/p>\n\n\n\n<p>In this series of FinTech Chronicles at our <a href=\"https:\/\/www.tntra.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">software product engineering company<\/a>, it would be a great opportunity to bring in leaders in FinTech and understand what they think about the Holy Grail of FinTech. We will converse with them on our podcast and discuss their views on the Holy Grail. We want to understand the aspect of <a href=\"https:\/\/www.tntra.io\/blog\/redefining-fintech\/\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech<\/a> they have embraced and their experience &#8211; how they see the culmination of FinTech towards their Holy Grail. I am pretty excited to engage with these folks and how they see the evolution of FinTech.\u201d<\/p>\n\n\n\n<p><strong>Stay tuned to Tntra\u2019s blog, where we continue to discuss where FinTech is headed and how <\/strong>&#8220;<strong>The Holy Grail of FinTech&#8221; will play a role in its development.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.tntra.io\/whitepaper\/holy-grail-of-fintech-indiastack-and-beyond\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.tntra.io\/blog\/wp-content\/uploads\/2022\/07\/whitepaper-cta-blog-bnr.png\" alt=\"Enterprise Modernization - Tntra Whietpaper\" class=\"wp-image-177\"\/><\/a><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Fastacash is a global payments platform that enables users to&#8230;<\/p>\n","protected":false},"author":4,"featured_media":1075,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-354","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-domains"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - 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