Rahil is joined by Vaibhav Tambe, co-founder and CEO of TBX (formerly Transbnk), a transaction banking platform that helps financial institutions and fintechs automate financial operations across multiple banking relationships.
Corporate banking has long run on fragmented, manual processes that add friction to disbursements and collections. Vaibhav and Rahil discuss the shift from paper-based systems to programmable infrastructure, how TBX positions itself as the connective layer between banks and the businesses that use them, and how simplifying recurring payments through the Unified Payments Interface (UPI) AutoPay is expanding access for rural borrowers and microfinance institutions.
Episode highlights:
- Defining transaction banking and stripping away the jargon of wholesale finance.
- The founding story: Building a solution based on 12 years of lived problems and customer feedback within the Indian banking system.
- Solving the fragmentation problem by integrating with the APIs of every bank, from large public lenders to rural cooperatives.
- How the optical fiber network analogy applies to building a foundational layer for financial workflows.
- Driving financial inclusion by enabling rural non-banking financial companies (NBFCs) and microfinance companies to disburse and collect loans digitally.
- The transformative impact of UPI AutoPay on collection efficiency.
- Digital underwriting for borrowers who lack access to traditional paper banking tools.
- The “thousand flowers bloom” effect: Opening up bank APIs so fintech innovators can build point solutions without massive overhead.
- Why reconciliation-first architecture and heartbeat monitoring are essential for building trust in financial infrastructure.
- The global vision: Expanding to 100 countries to ensure financial infrastructure is never a barrier to business expansion.
To learn more about TBX, visit their website. Learn more about Accion Ventures on our website and LinkedIn.
Explore More
