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The India FinTech DiariesAuthor: Hemant Kshirsagar & Elroy Serrao
India Fintech Diaries is a bi-weekly (ish) podcast that peeks at the fast, wild-west world of Fintechs in India. The worlds most populous democracy is at the cusp of massive technological and demographic change that will forever change the way we relate to financial services and their providers. In each episode, your hosts Hemant Kshirsagar and Elroy Serrao, demystify the world of Fintech for you by exploring ideas, innovations, startups and the personalities that are shaping Indias Fintech Landscape. Join them for a wild ride into the world of Indian Fintech!!! Language: en Genres: Business, Entrepreneurship Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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EP085 - In conversation with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau
Episode 85
Friday, 9 January, 2026
In this episode of India FinTech Diaries, we unpack one of the most urgent challenges facing digital finance today: fraud at scale. With cybercrime cases in India crossing 36 lakh in 2024 and losses exceeding ₹22,000 crore, fraud is no longer an edge case—it’s a systemic risk.To decode how fraud has evolved and what institutions must do next, we speak with Venkat Srinivasan, Chief Analytics and Risk Officer at Bureau.Venkat explains why modern fraud is no longer about fake documents or isolated bad actors. Instead, it’s coordinated, networked, and industrialized—powered by mule accounts, device spoofing, identity rotation, and real-time information sharing.Key Highlights:🕸️ Fraud has become organizedWhat once looked like individual theft now resembles syndicates operating across banks, fintechs, and marketplaces simultaneously.🧩Siloed risk systems are breaking downKYC, fraud monitoring, AML, and device intelligence working in isolation miss the bigger picture. Unified risk decisioning is now essential.📱 Devices are the new identity layerFrom fingerprinting to behavioral biometrics, the device has become a powerful signal—often more reliable than static identity documents.🧠 Graph-based models are the futureBureau’s use of graph data structures helps uncover hidden networks and patterns that linear rules and traditional models simply cannot detect.⚖️ Compliance is a guardrail, not a blockerVenkat makes a strong case for internalizing regulation as a design constraint that enables sustainable innovation, rather than treating it as a checkbox.This episode is a must-listen for fintech founders, risk leaders, product teams, and policymakers grappling with the trade-offs between growth, friction, privacy, and trust.Website: https://bureau.id/
