
Episode #21
Omnichannel playbook of Financial Service industry | Souparno Bagchi X Saurabh Agrawal | DilSe Omni Talks EP21
India has 9,000+ registered NBFCs, 90% bank account penetration, and a formal credit system barely one generation old. Money can now reach a borrower's account faster than they can cook a packet of noodles.So why does banking still feel like it doesn't know you?In this episode of DilSe Omni Talks, Saurabh sits down with Souparno Bagchi to decode how omnichannel is transforming financial services and fintech in India: from micro-lending unit economics and the India 1-2-3 framework to UPI, account aggregator, tech debt, AI, and why customer experience has become the only real differentiator left.What we discussed in this episode:- Why every company in India wants to become a lender- Fintech vs. financial services - The India 1, India 2, India 3 framework- What digital public infrastructure actually unlocked- The economics of micro-lending- Banking's customer experience problem- Tech debt, AI, and what comes nextAbout the Guest: Souparno Bagchi is a financial services and technology leader whose career spans nearly nine years at TCS over six years at Goldman Sachs, and time in consulting, before crossing into the startup world to build and scale micro-lending businesses. An ISB alumnus who also teaches there, and the son of a banker who spent 32 years in the profession, he has watched Indian banking change from both sides of the counter. His work today sits at the intersection of AI, risk, and the credit divide, who gets access to capital in this country, and who still doesn't.About Dilse Omni:Dilse Omni is a podcast hosted by Saurabh Agrawal, Founder of DAiOM technologies . The show features conversations with founders, business leaders, and industry experts on omnichannel growth, marketing, retail, and building businesses that last.

