Better Capital: AI Won't Kill India Fintech — It May Make It Much Bigger
vaibhavbetter · x · 2026-09-15
A Better Capital investor reviews the firm's India fintech portfolio across five themes:
- India fintech rests on things frontier models cannot replace: regulation, financial infrastructure, bank relationships, trust, distribution, local behavior, and specific workflows.
- AI improves these businesses without dissolving the underlying problems; the author expects multiple $10B+ companies to emerge.
Using payments as an example: UPI largely solved generic payments, so the question becomes which transactions remain broken in specific industries — presented as the original investment theses, not a cleaned-up retrospective.
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