StartupLanes

I am the Founder & CEO of Nishwik, an AI-native, local-first fintech platform being built to re-architect financial services for individuals and small businesses in emerging markets. Nishwik is focused on solving deep structural problems in today’s financial ecosystem—fragmentation, limited access to credit, rigid products, and systems that fail to reflect real-world financial behavior. Our mission is to turn financial infrastructure into an intelligent, adaptive layer that enables participation, resilience, and long-term wealth creation.

The platform is designed to understand context—regional languages, informal income patterns, behavioral signals, and local regulatory environments—so financial access becomes personalized, fair, and scalable by default.

My focus as a founder is on long-term institution building rather than short-term optimization. I believe the next generation of global financial platforms will emerge from markets like India, where scale, diversity, and complexity demand fundamentally new approaches. India does not merely consume platforms; it reshapes them. This belief drives how we think about technology, distribution, partnerships, and governance at Nishwik.