Red Envelope, Ep 6: Lending is easy, responsible lending is hard

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We hope you enjoy this podcast. Be sure to keep up with the latest discussion and join in the conversation on Twitter!

With Great Power come Great Responsibility. Especially when a business is dealing with a market with 1.3 billion people.

Consumers in India are tech savvy and fast adopters of digital technologies, with mobile penetration expected to reach 90% by 2020. Listen now and hear how this drive further adoption of fintech tools, increasing the potential to uplift local communities via entrepreneurship and new job opportunities.



Arunkumar Krishnakumar

Venture Capital, Blockchain, Crypto, Fintech and AI

#Inclusion is the new #Innovation. Arun is a Venture capital investor, speaker and writer with particular interest in Fintech, Blockchain, Crypto and AI. He loves use cases with a strong emerging markets angle to them, serving the underserved and tapping the untapped.


Theodora Lau

Founder, Speaker, Writer, Startup Advisor

Theo is a speaker, writer, and advisor, whose work seeks to spark innovation to improve consumer financial well-being and health. She is the founder of Unconventional Ventures, which focuses on developing and growing an ecosystem of corporates, entrepreneurs, and VCs to better address the unmet needs of consumers, with keen interests in women and minority founders.

Bradley Leimer

Bradley Leimer

Writer, Speaker, Advisor on Banking & Technology

Bradley is Co-Founder of Unconventional Ventures, which connects founders to funders, provides mentorship to entrepreneurs, advisory to corporates, and broadens opportunities for diversity within the ecosystem. His belief is that anyone with great ideas should have a chance to succeed.



Lizzie Chapman, CEO of Zestmoney @ZestMoney

Lizzie is CEO of Zestmoney, a B2B2C fintech company that extends consumer credit through merchants using a proprietary AI-based machine learning decision engine, leveraging data points from the consumers’ digital footprint. The solution provides dynamic credit limit based on affordability, and it is tailored for households instead of individuals – taking into account the social dynamics and needs of the Indian market. It is this kind of solution which makes Indian fintech stand out.


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