How Connected Lending Will Fix India’s Broken Credit Flow скачать в хорошем качестве

How Connected Lending Will Fix India’s Broken Credit Flow

In this episode of Backstage with Builders, I speak with Ashok Auty, a fintech builder who’s spent a decade creating lending products used by millions. We discuss the real problems in lending, why a connected platform matters, and the legal and product choices founders must make to scale responsibly. Guest Info Ashok Auty co-founded Finflux and helped grow it from a microfinance product into a platform adopted by top digital lenders—before it was acquired by M2P Fintech. He then led product and delivery across India and the Middle East. Today he’s building Lokta, a connected lending platform that unifies LOS, underwriting engines, partner integrations, collections, and co-lending into a single flow—designed to make lending collaborative, compliant, and effortless. ► Website - https://lokta.ai ► LinkedIn -   / ashok-auty   👨‍⚖️ My Info I’m Akhil Mishra, a Tech Lawyer for SaaS, IT, and Fintech founders. Tech companies don’t fail because of code - they fail because of co-founder disputes, IP fights, legal landmines, and regulatory mess. That’s what I help you avoid. 📱 My Socials ► Linkedin -   / itsakhilmishra   ► X - https://x.com/ItsAkhilMishra ► Substack - https://substack.com/@itsakhilmishra ► Youtube -    / @itsakhilmishra   ► Instagram -   / its.akhil.mishra   ► Need help? Fill this form - https://docs.google.com/forms/d/10Zxt... ⏱ Timestamps 00:00 Introduction 01:02 What originally drew Ashok to the world of digital lending? 02:50 Belief that lending is really about access, trust, and possibility for him. 04:35 Lokta describes itself as India’s “connected credit infrastructure.” 06:57 Gap Ashok saw in the market 08:06 The way Lokta makes lending easier for both sides - borrowers and lenders 10:17 What’s changing behind the scenes that most consumers and even founders don’t see? 12:40 What do founders often underestimate when it comes to launching or scaling a lending product? 14:30 How founders should navigate speed vs compliance 15:53 What legal blind spots do early-stage founders often miss? 17:18 The smartest compliance decision a young fintech can make early in their journey 18:24 A moment where something went wrong that taught Ashok a lesson he still carries today 19:42 What’s 1 belief about lending or credit that Ashok wishes more founders questioned or challenged? 20:22 One final piece of advice to founders building in fintech today 21:40 Ending Notes #Fintech #Lending #RegTech #FintechFounders #BackstageWithBuilders #Lokta