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Shivam Malhotra

Founder of stockkhat... • 1y

Hey everyone! I'm developing a fintech app with a unique concept: offering 0% interest loans to users. While this sounds great for borrowers, I'm seeking your input on the biggest challenge - ensuring loan repayment. Here's the idea in a nutshell:

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Kavan Prajapati IITB

B. Tech, IIT Bombay • 1y

For offering loans, you yourself should have a huge amount of money, which I believe you will borrow from let's say banks, and they will need intrest from you, so how will you repay those high intrests to your bank if you don't get interest bcoz of 0

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Shivam Malhotra

Founder of stockkhat... • 1y

No, actually the idea is something different I will not borrow money from any banks, sorry i don't want to disclose the main idea here but yes i don't borrow money from banks.

Kavan Prajapati IITB

B. Tech, IIT Bombay • 1y

Haha, no problem. I met Atomberg's founder at IIT Bombay, we had a discussion regarding confidentialness of ideas and he said to me, "If you think you idea will get copied, then is not an idea." What he meant was something deep.

Shivam Malhotra

Founder of stockkhat... • 1y

Absolutely! Great ideas are meant to be shared and built upon. The true challenge lies in turning that idea into a reality.

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