# Fintech Inside

Fintech Inside distills the most important developments shaping financial innovation in India. Get smart, nuanced insights without the noise.

Page: <https://rssamplifier.com/fintechinside-substack-com>  
Feed: <https://rssamplifier.com/fintechinside-substack-com.md>

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## [The Economics of AI Labs | Fintech Inside #114](https://fintechinside.substack.com/p/hundred-fourteen)

_2026-08-02 · Osborne Saldanha_

How AI labs like OpenAI and Anthropic actually make money - capex, GPU depreciation, inference margins, and why the business model looks more like a bakery than a SaaS company.

## [The Everything Gateway | Fintech Inside #113](https://fintechinside.substack.com/p/hundred-thirteen)

_2026-07-27 · Osborne Saldanha_

On Stripe leaning into becoming the default economic stack for AI-native companies, from payments and stablecoins to model routing and agentic commerce.

## [Free Sample Economics | Fintech Inside #112](https://fintechinside.substack.com/p/hundredtwelve)

_2026-07-13 · Osborne Saldanha_

Why the best fintech companies win trust the same way Indian supermarkets win customers i.e. free samples first, big purchases later. A framework for sequencing value in financial services.

## [Correspondent Banking, OpenUSD, and Stablecoins | Fintech Inside #111 7th Jul, 2026](https://fintechinside.substack.com/p/hundredeleven)

_2026-07-07 · Osborne Saldanha_

OpenUSD, the GENIUS Act, and the layer of banking nobody defends anymore. $300 billion says correspondent banking's slow decline just got a start date.

## [The Quality and Speed Factory | #110 Fintech Inside - 22nd Jun, 2026](https://fintechinside.substack.com/p/hundredten)

_2026-06-21 · Osborne Saldanha_

How AI turns India's services industry from a cost story into a capability story. This is about India's once-in-a-generation opportunity.

## [97 and Free Fallin' | Fintech Inside #109](https://fintechinside.substack.com/p/97-and-free-fallin-fintech-inside)

_2026-06-01 · Osborne Saldanha_

Three structural forces. Four acute shocks. One permanent new floor. The complete rupee breakdown for fintech founders.

## [Flight simulator for financial services | Fintech Inside - 108](https://fintechinside.substack.com/p/flight-simulator-for-financial-services)

_2026-05-25 · Osborne Saldanha_

World models and synthetic user bases could be the next frontier in financial services for risk, regulation and infrastructure.

## [India Public Markets Insights - Q3 FY26 | Fintech Inside #107](https://fintechinside.substack.com/p/hundredseven)

_2026-04-17 · Osborne Saldanha_

I read earnings calls transcripts and analyst presentations from 23 financial institutions: here's what India's financial system is quietly telling us about the next 3 years.

## [No Country for Risk | Fintech Inside #106](https://fintechinside.substack.com/p/hundredsix)

_2026-04-01 · Osborne Saldanha_

Near-zero defaults. Record provisions. Reducing unsecured lending. India's financial system is the safest it's been in decades, and a war nobody predicted might prove why.

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_2026-04-01 · **Sponsored**_

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## [Deep Dive - Ant Group | Fintech Inside #105, 24th Mar 2026](https://fintechinside.substack.com/p/hundredfive)

_2026-03-24 · Osborne Saldanha_

Inside Ant Group's strategy to build a parallel Visa/Mastercard network, using the global Chinese diaspora - and what Indian founders can learn from it