In this segment, we dive into the vision for the future of cooperative banking and how digital solutions can transform the sector. Vishal shares the goal of digitizing the cooperative ecosystem. The focus is on bringing more cooperatives online and expanding access to digital tools that can drive financial inclusion across India. He also provides valuable advice for early-stage founders: Trust your instincts, but also thoroughly research and understand your customer’s pain points before diving into product development. Building a product based on real customer insights is key to success, with a blend of data, instinct, and customer discovery forming the foundation of any great venture.

In this segment, we talk about the challenges smaller cooperative banks face and how SaaS solutions are helping them enhance customer engagement and increase profitability. We explore how cooperative banks, even in urban areas, serve small businesses and farmers, and how technology adoption is growing despite initial trust concerns. The government’s push for digitization and support for cooperative banks is accelerating the shift towards digital solutions, creating new opportunities for growth.

In the second segment of the podcast, Vishal discusses his surprise at how many cooperative banks in India still rely on outdated systems and physical branches. He saw a huge opportunity to digitize these banks and bring rural and tier-two communities into the formal economy. He highlights the slow digital adoption in cooperative banks, which still use outdated core systems, making it hard to compete with fintechs like PhonePe, Google Pay, and Paytm. He also points to the lack of digitized land records as a major bottleneck for loan disbursements in rural areas. Despite these challenges, Vishal believes digitizing cooperative banks can significantly improve financial inclusion and reduce loan processing times from months to minutes.

In this segment, Vishal from OneStack shares the journey of digitizing financial services in rural India by empowering cooperative banks and credit societies. Despite widespread internet use, digital banking adoption among lower-income segments remains low. OneStack bridges this gap by helping cooperative banks offer UPI and mobile banking, integrating underserved users into the formal financial system. Their mission is to create financial inclusion, build credit histories, and strengthen rural economies, especially in critical sectors like agriculture. With over 200 cooperative banks already onboarded, OneStack is modernizing the banking infrastructure to drive financial inclusion and support the growth of MSMEs and SMEs in India.

In this episode of Xpandable with Fibonacci X we dive deep into the journey of Vishal, the founder of One Stack, as he shares his entrepreneurial insights and the evolution of his company. From his initial observations of the banking sector, Vishal explains how he identified a unique opportunity in cooperative banks, particularly in tier 2, tier 3, and rural India. In a candid conversation, he discusses the challenges he faced and the innovative solutions he built to help digitize and modernize the banking ecosystem.Vishal highlights how One Stack’s technology, has been a game-changer for cooperative banks. His team’s work is transforming the way financial transactions are conducted in regions that are often overlooked by larger banking institutions. With a focus on driving financial inclusion, Vishal emphasizes the importance of understanding your customer’s pain points and building products that truly meet their needs.In addition to discussing the rapid adoption of digital banking in India, Vishal shares his thoughts on trust-building, customer education, and the key to scaling a fintech business. He also touches on the regulatory environment, highlighting recent developments that are driving the digitization of cooperative banks and expanding access to financial services across the country.Whether you’re an entrepreneur navigating the challenges of the Indian market, a fintech enthusiast, or someone interested in building products that create real-world impact, this episode is filled with valuable lessons on customer discovery, product development, and the power of technology in transforming industries.Tune in for an insightful and inspiring conversation with Vishal as he sheds light on how One Stack is reshaping the future of banking and empowering the underserved communities in India.

In this episode of Xpandable with Fibonacci X, we are joined by Vinay Singh, Co-founder and Partner at Fireside Ventures. Vinay shares his journey from marketing roles at Unilever and Bank Bazaar to supporting early-stage consumer brands through venture capital. He discusses why understanding consumer behavior is at the heart of brand building and how empathy and trust shape strong investor-founder relationships.We also dive into India’s evolving consumer landscape and the rise of value-conscious buyers. Vinay reflects on managing portfolio challenges during the pandemic and shares practical advice for early-stage founders—from defining your target audience to avoiding broad market assumptions.A must-watch for anyone building or backing the next wave of consumer brands in India.Website- https://xfibonacci.com/LinkedIn- https://in.linkedin.com/company/fibonaccixInstagram- https://www.instagram.com/fibonaccix_/

In this segment of Xpandable with Fibonacci X, Vinay Singh, Co-founder of Fireside Ventures, reflects on his journey from a structured corporate life at Hindustan Unilever to the unpredictable world of entrepreneurship and venture capital. Vinay talks about his transition into entrepreneurship, his experience building a digital garage platform, and how witnessing the growth of consumer internet companies inspired his deeper exploration into the startup ecosystem.The conversation explores the realities founders face—highlighting the emotional toll, the need for strong support systems, and the often-overlooked loneliness in entrepreneurship. Vinay emphasizes the importance of understanding real consumer needs through both data and direct interactions, and how Fireside Ventures adopts a collaborative approach to venture capital. Rather than just backing businesses, they work closely with founders to co-build resilient consumer brands, rooted in insight, empathy, and long-term vision.

In this segment of Xpandable with Fibonacci X, we delve into effective brand building and differentiation strategies for startups, particularly in emerging markets like India. Vinay Singh highlights the importance of establishing a solid brand foundation, with a focus on both rational and emotional consumer benefits. He stresses the need for a high-velocity New Product Development (NPD) engine to keep pace with evolving market demands and ensure long-term sustainability. Founders are encouraged to adopt a data-driven approach, moving beyond gut instincts, to understand consumer psychology and make informed decisions.The conversation explores key insights into understanding consumer choices, the rise of India’s emerging market, and the increasing demand for innovative, high-quality products. As disposable income grows, consumers are seeking more value-driven products, opening up new opportunities for brands. Vinay also discusses the importance of differentiation strategies, particularly for founders working with limited resources, advising them to focus on unique value propositions that meet the specific needs of their target market. This video offers valuable advice for founders looking to build strong, sustainable brands in an ever-changing market.