FINTECH

At Z47, our fintech journey spans every layer of India’s financial evolution. From Razorpay’s early push into digital payments to OneCard’s reinvention of credit, from Scapia’s travel-first banking experience to Five Star Business Finance's deep lending infrastructure for Bharat, our portfolio reflects the shift not just from cash to digital—but from exclusion to access, and from patchwork solutions to full-stack platforms. Many of the founders we back have shaped India’s fintech landscape from within—banks, NBFCs, regulators—and are now building native platforms that are born of Indian complexity but global in ambition.

India’s digital infrastructure isn’t just a stack. It’s a launchpad. With 750M+ smartphone users, affordable data, and maturing public rails, we’re witnessing a leapfrog moment—where formal finance becomes ambient, intelligent, and personalized. This is the foundation for Developed Nation Building: financial systems that are not only efficient, but inclusive, trusted, and built to last.

We believe the next decade of fintech will be shaped by founders who understand India’s contradictions and design for them—those building phygital models that blend distribution trust with digital UX, platforms that serve first-time savers, borrowers, and entrepreneurs in Emergent India, credit and BNPL solutions that are transparent and inclusive, and wealth, banking, and consumption products tailored to the expectations of India’s top 1%.

We’re not chasing the next fintech wave.
We’re helping build the tide.