@malpani Sir, The future of platforms like @CRED_club looks bright—not just as aggregators, but as the much-needed usability layer over clunky, outdated banking software from giants like @ICICIBank. I used to avoid giving my data to aggregators. But after struggling through ICICI’s maze just to pay my credit card bill, I finally installed @CRED_club. Phew—what a relief. Yes, they analyze my data. Yes, we wonder how they monetize. But one day, when a foreign bank backed by a @WarrenBuffett-type investor enters India, they'll use this very data to woo marquee customers away from @ICICIBank and @HDFC_Bank with irresistible offers. And by then, the old-guard banks will realize: They lost the war before the battle even began.

@CodingCommando @CRED_club @ICICIBank Let's agree to disagree . I dislike middlemen