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Global fintech has accelerated at an unprecedented rate over the last ten years. From digital banks to mobile wallets, technology is changing how people access and manage money. However, in places like India, where financial literacy and inclusion still lag, fintech's role is even more vital.
In this episode of the Analytics Insight Podcast, host Priya Dialani speaks to Kiran Nambiar, CEO and co-founder of MyFi, an India-focused AI-powered fintech platform. The discussion explores how conversational AI is not just simplifying finance but actively building trust with users and enabling long-term wealth creation.
MyFi stands apart by offering users a chat-based financial assistant, powered by AI and modeled on GPT technology. Instead of traditional dashboards, the company allows users to ask questions like, How is my portfolio doing? or Suggest some large-cap funds. The experience is entirely natural, mimicking a conversation rather than a transaction.
According to Kiran, the idea isn’t to add flashy features but to embed clarity, trust, and usability in the financial process. Unlike many platforms focused on short-term trades or trends, the company emphasizes long-term investment journeys, acting as a co-pilot rather than a pushy adviser.
MyFi operates on both direct-to-consumer (D2C) and B2B2C models, making its AI tools accessible not just to individual users but also through enterprise partners. This hybrid strategy helps scale the conversational experience while maintaining personalized value.
What further sets Kiran-led firm apart is its origin story. The company originated as part of a broader fintech ecosystem called Tiffin, which has been building AI-first wealthtech products since 2018. This foundation gave MyFi with the technological strength and credibility to launch a product uniquely suited to India’s evolving financial landscape.
Kiran Nambiar’s personal journey is as compelling as MyFi’s innovation. Starting his career in 2007 at Merrill Lynch in London and later moving to Morgan Stanley in New York, Kiran spent over a decade in traditional finance. In 2017, he returned to India and launched FirstMain. This digital product agency collaborated with prominent firms, including WeWork India, Zoya by Titan, and fintech companies such as Tiffin, which was later acquired by FirstMain in 2022.
That acquisition set the stage for what would become MyFi. In 2023, the CEO and Co-founder began work on this new venture, focusing on the financial literacy gap in India. Despite growing incomes and increasing investor numbers, he observed a shortage of reliable, user-friendly financial guidance, particularly for new market entrants.
“I’ve been studying this gap since 2013,” says Kiran. He further noted,“Even back in New York, I would think about how we could bridge the distance between financial products and real consumer needs. MyFi is the answer I’ve been working toward.”
India’s fintech boom is real, but it's also at a crossroads. With hundreds of millions of users gaining access to investment tools, clarity and education are more important than ever. MyFi aims to address this by not just enabling transactions but guiding financial behavior.
As Kiran puts it, "It's not enough to offer users a platform. You have to walk with them, answer their questions in a language they understand, and design tools that build financial confidence."
MyFi is on a mission to bring AI-powered, conversational financial tools to the everyday Indian. By focusing on long-term value, simplifying complexity, and nurturing financial literacy, Kiran Nambiar and his team are redefining what fintech means in an emerging economy. With deep roots in global finance and local innovation, the company could very well be the co-pilot millions have been waiting for.
