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Sector Thesis·4 min read·Week 21

Neo-banking's real moat: trust networks, not tech

Neo-banks in India are winning through community-first distribution, not superior apps. WhatsApp groups and micro-influencers drive customer acquisition at 80% lower cost than traditional fintech. This playbook scales because trust precedes all transactions in India.

ByAmit Tyagi·Fitoor Capital
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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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#neo-banking#india-stack#community-led-growth#fintech-distribution

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Neo-banking's real moat: trust networks, not tech · Aletheia Insights