Fintech firms will become digital layers around central banks, just like banks were physical layers

Central banks will create plug and play digital infrastructure (e.g. UPI, Aadhar) on which fintech products are built

Central banks will enable fintechs to replace banks

I spent 1.4 lakhs on Zomato alone this year

Once these platforms build a habit, it's hard to leave

Lifetime value of customers is immense, which recover marketing costs and more

These very "loss-making" companies eventually become money-making machines

I love the assumptions people are making here to try to work out how this is possible, but I'll not share the math to just keep this fun.

Few hints: I have excellent cardiovascular fitness, love fine + healthy dining and order with my wife and brother

Guess AOV and order freq