Indian fintech startup Fi Money, once positioned as a digital-first neobank for young, urban consumers, is charting a sharp strategic pivot. Facing a prolonged funding winter, rising customer acquisition costs, and muted revenue growth in consumer fintech, the company is moving away from its B2C-heavy model toward an AI-led B2B play focused on selling technology solutions to banks, NBFCs, and enterprises.
The shift reflects a broader reality across India’s fintech ecosystem: consumer-facing financial apps are expensive to scale, slow to monetize, and increasingly crowded. As investor patience thins and capital becomes scarce, startups like Fi Money are being forced to rethink their core ass
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