D2C Personal Finance Beats Channels in India Right Now
D2C personal finance in India has structural cost and speed advantages over channel distribution. India Stack (AADHAR, UPI, GST) removes friction that makes channels profitable elsewhere. The margin math favors direct by 300-400 basis points today.
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Amit Tyagi
Founder, AletheiaAI & GP, Fitoor Capital
Veteran of India's startup ecosystem. Writing about fundraising, investor psychology, and what it takes to build fundable startups in India.
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