The idea that finance companies want to do everything from payments to lending to broking to investments is strange - why not just be good at one thing? It’s a simple explanation, it turns out. Find out more about the business of money in a language you can easily understand, through the words of Deepak Shenoy and Shray Chandra.  Capitalmind manages Rs. 1700+ cr. as a SEBI-registered PMS, and has quantitative investing strategies that use extensively tested factor data to invest into stocks. Our flagship Adaptive Momentum strategy has outperformed the market indices over 5+ years. References:  00:00 Introduction 00:17 Why does every company do everything in financial services? 12:41 Why aren’t banks more aggressive in growing and pricing things lower? 26:40 Discussion on the success of Bajaj Finance and arbitrage between Banks and NBFCs 36:46 Why aren't banks aggressive on lending ? What's the issue with lending? 56:49 Deepak explains the Indian Bankruptcy code 01:07:13 What can we do to fix this?   More about us: https://cm.social/pms Schedule a call with us: https://cm.social/pms-connect   Deepak’s Twitter: @deepakshenoy Shray’s Twitter: @shraychandra Capitalmind Twitter: @capitalmind_in Deepak's first book: http://amzn.to/3CgkGea