E114 - Unlocking Credit for Millions w/axio's Gaurav Hinduja & Sashank Rishyasringa

<p>In this Episode, I speak (<a href="https://twitter.com/jivraj_sachar">@Jivraj Singh Sachar</a>) with the Co-Founders of axio (previously known as Capital Float), Gaurav Hinduja &amp; Sashank Rishyasringa.</p> <p>axio is unlocking credit for millions of Indians, via the pay later model.</p> <p>axio was started back in 2013 by two Stanford GSB graduates who met in the heart of Silicon Valley. They started off with the vision of unlocking credit for SMEs and after a resilient journey in that space, moved to doing the same for millions of consumers. India has approximately 100 Million E-Commerce Shoppers, but only 30% or so have credit cards. The 70 Million+ audience that does not is what forms the core of axio’s target audience.</p> <p>Gaurav &amp; Sashank have had an incredibly fascinating journey, building a resilient organization that has stood the test of time and maintained the DNA of a truly enduring organization. I chat with both of them as to how this journey has unfolded. Through an hour long discussion, we uncover how axio differentiates its approach, how Gaurav &amp; Sashank met at Stanford &amp; maintained a phenomenally strong Co-Founder bond, the ideology behind the recent avatar change from Capital Float to axio, Cultural traits that go behind building long-term organizations, and what happens behind the scenes when providing access to credit to millions in minutes.</p> <p>This episode is an absolute gem as it uncovers many tactical and fundamental frameworks, while highlighting how shared responsibility &amp; strong founder dynamics can build enduring companies. I am certain all of you listening shall have a great time but before we get started here is a quick word about our sponsor:</p> <p><strong>Stride Ventures</strong>, which is one of India’s leading Venture Debt Funds, becoming synonymous with innovative startup financing in India. Stride provides comprehensive solutions, going beyond venture debt, to cater to distinctive challenges faced by high-growth and inherently strong businesses, back