Credit cycles, Neobanking & Fintech 2.0 with Gaurav Sharma, CEO of Neo-Bank


I don’t say this lightly - this is, in my opinion, one of the best episodes on the Use Case podcast, and not one to miss!

'Bread, cash, dosh, dough, loot, lucre, moolah, readies, the wherewithal: call it what you like, money matters' - Niall Ferguson begins the The Ascent of Money, a beast of a book on the world’s financial history, with this sentence. Regardless of who we are or what we do, we are constantly impacted by, IMO the best human invention since fire - money.

Gaurav Sharma, has over 2 decades of building products in the world of banking and is now working on Neo-bank, a smart banking app for India and South East Asia. He is one of the smartest people I know and his Medium page is often a treasure trove of information no one will tell you (except he himself on the podcast 😉).

The episode is more so a masterclass wherein he walks us through the current state of the global economy, the ensuing financial crisis and governmental responses followed by a deep dive into the world of neobanking (see timestamps below).

By the way, he is also building a stellar team for his startup and is looking for “free radicals” across all verticals to join his team. If you are interested in applying, DM him on Twitter! But first, listen in to this awesome conversation on the audio file above or on your favourite podcast app.

Listen in podcast app


  • 02:30: Gaurav’s entrepreneurial journey

  • 07:40: The current financial crisis, similarities and differences with 2008 crisis

  • 11:40: Understanding debt, its importance and impact

  • 17:00: Increased global inequality because of quantitative easing and low cost of capital

  • 20:00: Is the crisis actually a good thing for VC world in long term? 🔥

  • 23:30: Fintech wave 1 post Lehman 2008

  • 29:00: What does the bank of the future look like?

  • 32:20: Different strategies adopted by emerging neo-banks, key factors for success 🔥

  • 40:00: How do big banks look at neo-banking? Is it a threat?

  • 49:50: Financial advice for millennial generation – how to grow rich?

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