{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"The Value Creation Mindset Podcast","title":"Why Sustainable Fintech Requires Real Infrastructure","html":"","width":"100%","height":180,"duration":3558,"description":"In this episode of The Value Creation Mindset, host A.J. Singh, CEO of Modularis, sits down with Sulav Singh, founder of Vittas International, to explore why sustainable fintech requires real financial infrastructure, especially in emerging markets.\nSulav shares the story of how Vittas began by lending to healthcare businesses in Nigeria and how customer conversations revealed a deeper problem. Small and medium-sized businesses were not just struggling to access capital. They lacked the financial tools, data visibility, and banking infrastructure needed to make better financial decisions and become truly bankable.\nThat insight led to a major strategic shift. Instead of remaining a niche lending company, Vittas began building a financial infrastructure platform that connects banks, payment systems, and small businesses, creating an orchestration layer that helps companies access financial services more effectively.\nThe conversation dives into the realities of building fintech startups in emerging markets, where unreliable infrastructure, regulatory complexity, and fragmented banking systems create challenges very different from those faced by startups in the United States or Europe.Sulav also discusses how Vittas approaches product development, why small engineering teams can outperform larger organisations, and how startups can design products that solve real customer problems rather than chasing hype or trends.\nThe discussion also explores the role of AI in fintech and software development, including how automation can help startups move faster while still maintaining the stability and trust required when building systems that handle financial transactions.\nThroughout the conversation, Sulav explains why trust, reliability, and infrastructure are the foundations of sustainable fintech businesses and why companies that focus on solving the underlying systems problems will create the most long-term value.\nThis episode is ideal for founders, fintech leaders,...","thumbnail_url":"https://img.transistorcdn.com/kNRLUtaEL-CigrgLHd74F1WUza9LLIx2ImmLaK8NcH8/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9jNmNm/ZWJjZDgxNjU0ZmJk/MGYyN2VhZGMzYmNj/NmMzNS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}