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Can Fintech Innovations Really Transform Middle-Income Urban India’s Financial Landscape?

Key Takeaways:

  • Jodo is a ground-breaking fintech startup based in Bangalore, India, striving to transform the financial landscape for middle-income urban households.
  • The company designs highly tailored financial products with a deep understanding of the end-needs of their clients.
  • With a promising start in 2020, Jodo is on a path to becoming a full-service financial services provider to millions of Indians.
  • The Founding team – Atulya Bhat, Koustav Dey, Raghav Nagarajan bring a unique mix of passion, expertise, and industry knowledge.

Recognizing that the right financial products can bring transformative changes in people’s lives, Bangalore based fintech startup Jodo was founded in 2020. The company’s mission is to empower middle-income urban households across India with tailor-made financial services. Jodo’s founders, Atulya Bhat, Koustav Dey, and Raghav Nagarajan, believe a nuanced understanding of the specific needs and requirements of their target segment is the key to their value proposition.

Jodo’s year-long research sought to understand the financial pain points of average Indian households which concluded in the creation of suitable solutions. They are committed to revolutionizing the financial landscape of India by focusing on the end-needs of their customers, thereby helping them meet their financial goals effortlessly.

What truly differentiates Jodo from other fintechs is their approach to product design. The customized financial products they are building are a result of not just data-driven insights but also an empathetic understanding of their customer base needs and lifestyle. They understand that ‘one size fits all’ does not apply to financial services, particularly in a diverse country like India.

Another striking differentiator is their aspiration to be a full-service financial services provider. Most fintechs usually begin with a single product or service. However, Jodo has a broader vision, thereby enabling them to cater to a comprehensive basket of financial needs for middle-income India.

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As per the evolution of Fintech industry in India, businesses like Jodo have a bright future. With further focus on reaching the unbanked and underbanked population, and the Indian government’s push for digital India, Jodo can play a significant role in making financial services more accessible and inclusive. They are well-poised to propel the financial aspirations of average Indian households to unprecedented heights.

With its strong foundational principles, dedication to understand the customer needs, and intent to enhance the financial well-being of middle-income households in urban India, Jodo is genuinely transforming the fintech ecosystem. Check out more about their work on their website and connect with them on their social channels – Facebook and LinkedIn.


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