peejay-bot/kunal.txt

"This is just so awesome at so many different levels. @CRED_club now shows the available offers and discounts on each of your cards added to the app. @kunalb11 whoever thought of this, give him a raise.  \n\nCC: @flywithsid @LiveFromALoungepic.twitter.com/077XZGlIlI"
"Desires creates bills. Bills are demons. \n\nMoney is the bullet that kills demons & doing work unlocks money.\n\nOften bullets are not enough to kill the demon so you borrow bullet from those who have extra bullets and pay fees. \n\nPlatform that facilitates this exchange is a bank."
"What % of your day, work and personal you do tasks that someone with much lower salary can do?"
"Crazy how much ground we covered in an hours time @paraschopra . Had to read them again to verify if I still hold same opinions.https://twitter.com/paraschopra/status/978140213087096832 …"
"Price of your smartphone is"
"Folks with weight fluctuation issues are likely to be shoe lovers for the certainty in size it provides."
"Lending is opposite of business. \n\nBorrower is the product making sales pitch via past resume & good references, education/job brands, clean track record & promises to create value for the lender. \n\nFreshers in both cases are less preferred but create good profit if picked well."
"Entropic view of wealth creation. \nOften inefficient.https://twitter.com/abhishekmgupta/status/1193394199342673920 …"
"Efficient hyper connected world gradually eliminates profits from businesses that thrived on information asymmetry."
"Just got early access to #CRED auto debit feature. This was one my most requested feature from @CRED_club and finally they did it. \nNo more stress over credit card payment due date. No more late fees.\n\nAlso I must say @CRED_support has really stepped up their support gamepic.twitter.com/88hLrSOi7N"
"Clarity of thinking with relentless execution can create fortunes. Amazon won with selection. And if you expand this need to have everything on your store, you can eat the world.https://twitter.com/alecstapp/status/1193168856921059328 …"
"Emotional roller coasters only exist for those that have yet to leave the emotional theme park."
"Hobbies and games are more exciting than life as it has more frequent feedback loop."
"YouTube trending section doesn’t work for me and probably same for many of us. If at CRED we had a section of daily curated and trending YouTube videos around lifestyle, English stand up, cool learning and trivia videos, would you enjoy it?"
"Only a few people become masters at learning skills by observing great people operating. \n\nSpecially if they’ve been only good at cracking exams from a fixed set of books and questions. \n\nGreat learners are masters of osmosis."
"If migrating to a new phone becomes one click/one second affair and liquidating old phones became magical, phones would be changed in much faster cycles."
"What % of your grocery purchase is online now?"
"Whatever you can finish is not a product."
"Overvaluing originality can cause you to embrace all kinds of highly original stupid ideas.\n\nA man who is original in some areas may be a brilliant eccentric. \n\nA man who is original in all areas is certainly insane."
"Alibaba in China is nearly $1 trillion of GMV per year. What do you think all india e-commerce companies total GMV per year is:"
"This is why WhatsApp will win P2P payments. If and when they launch.https://twitter.com/nikhilnarayanan/status/1192264917811773442 …"
"This should be fun.https://twitter.com/ZetaIndia/status/1190492528627220480 …"
"Creative investors thrive by investing in many companies with their ability to connect dots at scale and help portfolio companies. \n\nIssue remains in everyone thinking they are creative."
"(1/9) \nEnjoyed the #Fintech #India #NPC2019 fireside chat with @kunalb11 today.  Kunal did an amazing job and was very thoughtful and candid in his responses to a bunch of rapid fire questions. Here are some quotable quotes. Thanks @siddharthaa7 @shripati for remembering."
"Branding distinguishes the otherwise indistinguishable."
"1/7 \"What qualities do you look for in a product leader?\" - is a common question I get from founders building a product team. I look for 5 traits. @hnshah @sachinrekhi @andrewchen @gokulr @gibsonbiddle @danolsen @joshelman @tmamut @ianmcall @kunalb11  would love your thoughts"
"Loving the new features like bank offers on the specific cards, spending trivia and spend analysis in @CRED_club app. Great Going..\n\[email protected]/3N0sSUFx2V"
"The only difference between \"propaganda\" and \"education,\" really, is in the point of view. The advocacy of what we believe in is education. The advocacy of what we don't believe in is propaganda.\n\nEdward Bernays"
"Whenever I see SRK overact, do crazy things I often refer to this snippet to remind me of the man he is. \n\nHappy Birthday SRK.pic.twitter.com/BeIj81zv2p"
"Things we are publicly proud of are levers that others can use to offend us.\nWhat we are proud of, defines us. \n\nWe anchor our identity to this and defend it like our honour. \n\nJokes made on people who proudly write CA before their Facebook name, will most likely upset them."
"If a group shows traits of being easily offended, will also show traits of being hypocritical. \n\nTrue for family. \nTrue for company. \nTrue for country."
"@kunalb11  Unplugged! Catch Founder of CRED in a free flowing conversation with @Primevp_in  partner @amitsomani  at #NPC2019 on Nov 5thpic.twitter.com/JlReZHxmF5"
"pic.twitter.com/SvalQduAWF"
"Exactly, i do learn about new brands from cred. Became customer of mancompany , flo mattress and mama earth brands via cred."
"As a customer I feel confident on trying new brands listed on cred. Some sense of 1st hand quality assurance from cred team... If it's on CRED it can only be great"
"Soon, new way of discovering startups will be cred. Could be More rewarding to open Cred as compared to @Inc42 or @YourStoryCo"
"Met an investor who told me our D2C investment thesis and deal flow is looking at new D2C brands listed on CRED everyday and evaluating them. \n\nFeels great to be able to help the ecosystem and young founders in a small way. "
"If you are a tech entrepreneur from a developing world and want to see how tech driven future looks like, spend few weeks in A̶m̶e̶r̶i̶c̶a̶ China"
"How often do you use QR code to pay at offline stores"
"The most important lesson learned working with artists is creativity is not on-demand, linear, or to be planned for in a roadmap.\n\nListen & learn what conditions captured the brilliance. \n\nTrust the creative. Give them space. Create process for feedback.\n\nIt’s art not business."
"Status unlocking is the core human gaming loop. \n\nIf a society gives recognizable status via social identities of race, past, ancestry, follower count etc instead of money(from working hard), the need to earn money will diminish as the core method to unlock status."
"For folks in school/other roles looking to break into PMing: write a strategy memo for a company you want to be PM at and publish it online ( tweet/post). I’ll bet you that it will get you a serious conversation with their product leads."
"Met a very senior banker yesterday and she said cheap 4G data has hit indian masses like water hits parched earth. It will take some time before things get normal.pic.twitter.com/Tjy1Owki1G"
"Lending is a ....https://twitter.com/Uber/status/1188863434936348672 …"
"His dream must have seemed so close that he could hardly fail to grasp it. He did not know that it was already behind him - The Great Gatsby"
"What kind of people do you work with?"
"Who was first one to get credit card in your immediate family?"
"Bill Gates during early days of Microsoft: “the best thing about Microsoft is everyone can work part time. You get to choose which 12 hours you’re in the office”"
"While emotional connection with the problem is retail, if you really want to make a dent and solve it, you better think wholesale in 10 to 6th or 10 to 7th type magnitudes. - @BillGates"
"What’s your relationship with future?"
"Human child is born with zero sum mindset and most of training they get till adulthood is about human cooperation to scale as a species and convert all forms of energy to wealth and health."
"While apps go in dark mode, may your life forever remain in bright light mode. Happy Diwali, everyone."
"For most people education just opens doors, not mind."
"It’s annoying that developed countries like USA has lesser holidays per year than developing nation like India. \n\nNeed to get them to increase holidays to have any hope to catch up. "
"Are you educated?pic.twitter.com/Q5tEfFRMcS"
"Don’t tell me your priorities. Show me your calendar."
"Product managers should:\n1) like coming up with ideas \n2) like building a product from an idea \n3) like to get that across to users soon\n4) like to see it appreciated for its quality\n5) like to see it spread widely\n6) like to see users depend on it\n7) like to expand with step 1."
"Obedience is the price of dependence."
"Do you struggle to save money every month?"
"How many people according to you are paid salary of >10L in India"
"Which companies make boring tasks interesting. How do they do it?"
"Well, I can vouch for the success of this idea.\n\nI'll be joining CRED next month. They have the similar culture over there. \n\nThey make you feel that, you are already a part of the family, right after you clear the interviews.\n\nI cancelled all my upcoming interviews. #noregrets"
"What are good interview questions or methods to test empathy in potential hires?"
"Often people who don’t act their age or their wage are disliked for breaking unwritten level rules."
"India in numbers.pic.twitter.com/K5s46nHueq"
"Every platform that competes on the internet is forcing margins for facilitating a transaction to disappear. \n\nEventually revenue models that maybe remain will be lending, advertising and fee on performance."
"Very soon we will wonder what is real?https://youtu.be/5rPKeUXjEvE "
"joker time with a joker tshirt thanks to @cred @kunalb11pic.twitter.com/HWCtg4Aq5Q"
"What did you do with your old phone?"
"When products with higher distribution adapt a product as a feature, it kills the original product. \n\nCamera was a product before. \n\nIs an app icon now.pic.twitter.com/sseB7ETJYK"
"What % of aarey forest is proposed to be chopped for the new metro?"
"Do you like watching sports that you didn’t play in your younger days?"
"China e-comm > Everything combinedpic.twitter.com/hwyavLUZT1"
"Self awareness is a bug that cells got in their AI tech which often slows down propagation. \n\nAI Tech being humans. \n\nFunny that humans are worried of same bug in their attempt to recreate that tech."
"Critical thinking is like swimming. \n\nOnly when you learn and practice it early in life, you like it instead of fearing it."
"For your imaginary first job, if you had to only pick between these jobs, which one would you pick? (Assuming all paid the same)"
"'Is it just me, or is it getting crazier out there?' "
"This t-shirt has a dark mode. \nJust like the new CRED app.pic.twitter.com/4Fz716mRqc"
"“A stupid man’s report of what a clever man says can never be accurate, because he unconsciously translates what he hears into something he can understand.” — Bertrand Russell"
"I don't remember who posted this on Twitter a few years ago, but whoever you are: you have improved every night I've spent in a hotel since.pic.twitter.com/NpuuumqHV8"
"As #india rapidly moves towards #cashless economy, industry & govt must focus on #data protection, trust, connectivity. \nEnjoyed a vibrant chat with @ShashiTharoor @sanjivrbajaj @KavitaGupta19 @C_P_Gurnani @kunalb11\n#IES19 #wef #DigitalIndiapic.twitter.com/IgegKhrtpO"
"CRED, explained. By @jimSarbhhttps://youtu.be/Tqb3BuKoWgU "
"A couple of years ago, I set a personal rule to never be negative to any company/product on Twitter. \n\nI’ve mostly lived up to that (minus a couple of airlines exceptions!) - and it has made me so much happier.\n\nBuilding stuff is hard, no reason to pile on."
"A dear friend @peter_wittek is missing since Sun 7pm IST. While climbing Mt Trishul in India. Avalanche hit his camp. Search & rescue mission underway. \n\nHe's one of the leading quantum machine learning minds. Is Assnt Prof. at @UofT\n\nPraying for the best. #findpeterwittek"
"Festivals and life events are the coin sinks in the game of life."
"Do you watch cable television?"
"pic.twitter.com/fjcmCCMNEN"
"India has 270 million households with average 4.9 people per household, what is the count of households that earn more than 6 lakh rupees per annum?"
"One day Picasso was sitting at a cafe. He drew a sketch on a napkin.\n\nA lady recognized him and asked how much she could pay for the napkin.\n\nPicasso said $20,000.\n\nThe lady was shocked, “But it only took you two minutes to draw.”\n\nPicasso replied, “No, it took me my whole life.”"
"Political promises are greatest places to find out large business opportunities cause they are the best B2C founders.https://twitter.com/BernieSanders/status/1177295522232774656 …"
"When you see a rich person showing off their wealth by buying expensive goods, what does it make you feel?"
"We become what we celebrate."
"A society that treats disagreement as disrespect is bound to progress slowly."
"Entertainment is a feature.https://twitter.com/GuptPiy/status/1177265750307815425 …"
"What is liked more?"
"Long vacations have the boon and curse of making you meet yourself."
"Your neighbor's success is not your failure."
"I got a credit card so I can finally use cred in some time despite people ridiculing me endlessly!! I'm sure I'm the biggest fan rn :) @kunalb11 @cred"
"Replaced office coffee mug, courtesy @kunalb11 @sleepyowlcoffee\n#Credpic.twitter.com/ZXx9EXaGhu – at One Horizon Center"
"Societies that don’t have concept of dignity of labor may always exploit labor and rarely pay well to blue color for getting convenience delivered through them."
"Startups are a personal discovery engine."
"In trust nations, people trust regime, attracts & grows wealth. \n\nIn mistrust nations, people don’t trust regime, repels wealth and wealth creators. \n\nBorders and currencies prevented wealth and people to move seamlessly from mistrust to trust nations. \n\nCrypto is making it easy."
"“The right time to ship a new product is when its utility and appeal outweigh its obvious flaws.” ~ John Gruber"
"If almost everything is on cloud and most people have 2 laptops, why do we carry laptop back and forth from work in India during our painful commute?"
"https://twitter.com/arampell/status/1174359694950842368 …"
"What do you think is better thing to do"
"When a product that was used as status before and is reduced to becoming a utility, the fall of its margin is steep and quick. \n\nDesirability creates the room for big margins to exist."
"\"The real voyage of discovery consists, not in seeking new landscapes, but in having new eyes.\"\n\n— Marcel Proust (In Search of Lost Time)"
"July 2018pic.twitter.com/1ZBWIXsAi7"
"Modern human relationships seem to be moving from exclusivity to size of market share. Complex times ahead."
"You have 4 loans of exact same EMI amount and interest charges. But you have money to pay only 3 this month. Which 1 of these 4 loans would you considering skipping to pay for 1 month. (non payment will not result in product being taken away, just 200 rupees penalty)"
"You have 4 loans of exact same EMI amount and interest charges. But you have money to pay only 3 this month. Which 1 of these 4 loans would you considering skipping to pay."
"pic.twitter.com/si06rjfgsu"
"What’s your view about Indian economy for next 10 years?"
"Don’t take criticism from someone you wouldn’t take advice from.\n\n- Anon"
"“It is easier to find men who will volunteer to die, than to find those who are willing to endure pain with patience.” — Julius Caesar"
"What % of >30 year old women in your friends and family are salaried or have own independent income."
"pic.twitter.com/s6m7LrE9wh"
"How do you feel about the city you live in?"
"pic.twitter.com/Y92RdDqcRP"
"Would you take a pay cut to get extra assured weeks of vacation per year?"
"Do you read a physical newspaper   ?"
"Taking off is easy for startups. But landing it safely is the real challenge, even if it’s well funded. \n\nDespite ridicule, pain & numerous failures, what drives humanity forward is those few who keep trying to shoot for the moon. \n\nOnly when we celebrate failure, we progress."
"Super fun chat with @kunalb11 which @Shrabonti and I have tried to capture in this interview for @Mint_Lounge. Kunal talks about philosophy, capitalism and his vision for Cred.\nhttps://bit.ly/2kxBieI pic.twitter.com/R9vtMa2ZYV"
"https://www.livemint.com/mint-lounge/features/kunal-shah-scoring-on-trust-1567766548315.html …"
"Did CRED help you know and care about your credit score?"
"Do you believe in God?"
"Lending is a feature.https://twitter.com/patrickc/status/1169660737012326400 …"
"Looking at the crowd in lounges across the globe, it appears that a small % of people are getting more affluent or flying at higher pace than pace of adding new flyers."
"Zero to one startups is more art than science. Some can do it consistently. Many need luck and pivots to get product market fit. \n\n1 to 100 is more rigorous science than art. Many can do it consistently without luck. \n\nZero to one initiatives within scaled startup need art again."
"I don’t know what’s best, but here’s one way! (Source: \nhttps://www.amazon.com/Gift-Global-Talent-Migration-Business/dp/1503605027 ….)pic.twitter.com/RUNKX3tr6G"
"Path from disgust to liking is shorter than path to apathy. \n\nPath from shame to pride is shorter than path to normalcy. \n\nPath from hate to love is shorter than path to indifference."
"What’s your income source?"
"A group becomes more of what it recognizes and celebrates. \n\nTrue for company. True for country. \n\nA nation that doesn’t recognize and celebrate its wealth and job creators, will seek other things that are celebrated."
"The Poor hate the rich.\nThe rich, the powerful.\nThe powerful, the knowledgeable.\nThe knowledgeable, the wise.\nThe wise hate no one."
"@kunalb11 The new app interface is  \"Dope\". For the first time it seemed complicated but once i got hang of it it was super awesome to use it Kudos to #cred team."
"Taking the weekend off thanks to @CRED_clubpic.twitter.com/CX3tHgR4Bd – at Lonavala Ghats"
"In a patriarchal society, soft skills should be called life skills to be taken seriously."
"When was the last time you gossiped about your domestic help and when was the last time you took a jab at your boss?\n\nGossip is a currency of the weak to form associations and solace via ridicule of the stronger/richer/influential."
"How much has your income grown this financial year compared to last year?"
"Speed and efficiency at airport checkin and security maybe a good leading indicator of future per capita income trends of a city/country."
"Fantastic interview with Kunal Shah,\n@kunalb11, on entrepreneurship, life, and his reflections. Must see!https://youtu.be/DVTksz0vizU "
"Team PixelTrack is working out of WeWork today. Thanks to #CRED @kunalb11 @WeWork @WeWorkIndia This is fun.pic.twitter.com/uOKbA1aVEE"
"Great ideas and realizations have magical ability to make you feel stupid for hours. \n\nAbility to feel stupid everyday for new things is sure shot way to compound."
"Talking about building CRED and many other things. \n\nThanks @SharmaShradhahttps://youtu.be/DVTksz0vizU "
"“The best fighter is never angry.” ― Lao Tzu"
"Guys, have you ever done a manicure/pedicure"
"Very excited for @Sequoia_India to co-lead $120M round. Got excited about “Cred” when it was still an idea in @kunalb11’s head (he had a different code name for it ) ... incredible to witness how it has come to life, and v excited about the path ahead ...https://twitter.com/kunalb11/status/1166191583881916421 …"
"In which the very sharp and insightful @kunalb11 deconstructs CRED and says it is \"not a fintech\" company. \"We're a lifestyle company.\" In some years, you could possibly access apartment listings, or get visas easily if you have a good CREDit score. Whoa! https://youtu.be/DVTksz0vizU pic.twitter.com/m6BQw5uwfN"
"I have seen quite a lot of interviews by entrepreneurs. This is probably one of the best 30 mins. A mix of motivation, ideas and humility. Really good one ⁦@SharmaShradha⁩ ⁦@kunalb11⁩https://youtu.be/DVTksz0vizU "
"Congratulations team CRED. I got a Credit Card just to explore CRED app. Have been using it since then."
"I got a credit card to use cred. Then carefully spent everywhere using that card only.\n\nCrazy!"
"Thrilled to co-lead this round at @CRED_club and partner @kunalb11 and his team as they work towards creating greater financial progress for the community.https://techcrunch.com/2019/08/26/india-cred-kunal-shah/ …"
"Congrats! You and your team have done a lot more than build a great product. You've given me(and I'm hoping others) belief that we have a talent pool here to build world class products. Kudos to your team of assassins."
"Kunal Shah @kunalb11 keep inspiring us & you make the Indian startup ecosystem richer with all that you do. Congratulations on this new milestone of $120 million raise  https://yourstory.com/2019/08/kunal-shah-cred-series-b-funding-ribbit-capital-gemini-investments … #cred #India #funding #entrepreneurship @PMOIndia @PiyushGoyal @amitabhk87 @nsitharaman"
"CRED has news. Over the last 9 months, our members have helped us shape CRED from a digital product to a community. The love and support shown to us while we scaled has been nothing short of humbling, and for this we are grateful "
"They will envy you for your success, your wealth, for your intelligence, for your looks, for your status - but rarely for your wisdom. - @nntaleb"
"Distance from shame to pride is shorter than shame to normalcy."
"Saw loads of tweets and updated the cred app. Hats off to the team @kunalb11 haven’t seen a UI like this before. Hope to see you guys in SEA soon :)"
"After weeks of envying the android fam for getting @kunalb11's @CRED_club's so well-received UI/UX refresh, finally received the update on my iPhone today! \n\nBeing such a design-obsessed nerd myself, I think the experience deserves no less than a tweetstorm, so let's get into it!"
"Most valuable information is widely accessible.\n\nGreat books of centuries past are free online.\n\nThinkers of today argue publicly on Twitter.\n\nYouTube is a lecture hall that seats millions.\n\nPodcasts are private tutors for the masses.\n\nA golden age for the self-motivated learner."
"The #UI of the new @CRED_club App on iOS is #WhoaMama!  @kunalb11 your team is doing some insanely good work."
"Ignore books that make you feel smart,\n\nread books that make you make you feel stupid, they actually make you smart."
"@harish_io @kunalb11 - Holy mother! This is absolutely maddddddd design dude. Freakin slick!! Crazy stuff!!pic.twitter.com/w3jFxu7Xd6"
"pic.twitter.com/Ie88Cpb4vq"
"MDR becoming zero on debit products will probably push many banks and payment players to focus on credit products and potentially cause exponential surge in credit cards and credit lines. \n\nMDR unlikely to get digital adoption in masses but will surely trigger credit growth."
"@kunalb11 is your Cred development team from another planet? What a stunning updated UI/UX, don't want to close the app even if I don't have anything to do. Bravo to the team and your efforts!! I'm addicted!\n\n- Satish S\nA loyal Cred Customer"
"What are some of the best interview questions for hiring a product manager?"
"Exponential growth of our technologypic.twitter.com/1kjAFNexUt"
"Power distance & reciprocity driven cultures find it hard to say no. \n\nCultures that find hard to say no, say yes to things without meaning it resulting in empty promises delivered only via incessant follow-ups. \n\nEmpty yes and follow-up culture leads to inefficient economy."
"One thing that strikes you watching American shows is their tendency to speak in exact numbers versus vague  words. \n\n12 mins to go, take the 3rd right and walk 2 blocks, killer found in 36 hours, etc.\n\nversus \n\n“in some time”, “around SONY signal”, “Little volume up” etc."
"Amongst these 3, what would Indians spend highest on?"
"Apart from marriage, healthcare, education what would your parents/relatives/friends spend money on without thinking about cost and instead seek quality?"
"Tech companies create wealth by making things more efficient and disappear fast if they’re not most efficient. \n\nIt’s a high speed game, where you need to constantly own customers time, attention, trust, spends and love.https://twitter.com/pingroma/status/1161939745661784064 …"
"The new #Cred design looks pretty cool.\n\nI was wondering how would they solve the long list of rewards scrolling. Brand cloud looks good \n\nInteraction animation are well done. Tab switching one is the best.  @kunalb11 @harish_iopic.twitter.com/fBGGGPtqQs"
"Scaling comes with standardization. Standardization comes at a cost.pic.twitter.com/objLiTGAgA"
"Distinctly remember buying the ₹15,000 in 1995-1996 using some influence and loans and having my first http://bom1.vsnl.net.in  email address and using that pack for close to 6 months. Can’t believe how far we’ve come in 2 decades.https://twitter.com/mumbaiheritage/status/1161949728944168961 …"
"https://twitter.com/eastbengal/status/1161816247656439808 …"
"pic.twitter.com/uzLU5NBxWg"
"Do you believe fluency of English is an important condition in India to be top 5% financially?"
"Branded certification is getting more expensive, education and knowledge is trending towards free."
"Often people are averse to share views on social media to avoid being bashed by trolls. But it maybe impossible to become anti fragile and get clarity of thinking without that intermittent phase. \n\nExplaining & sharing is the best way of knowing if you know & eventually compound"
"my wife, who is always against me over any usage of credit card, but today all her opinion changed.\nAs I end up clearing an year long pending call on having a comfortable sitting for my place.\n@kunalb11 thankyou sir, #Freecharge or #Cred. #HomeCenter #CredReward #CredFanMomentpic.twitter.com/jcmLmfO3bY"
"Evolving Payments Landscape https://youtu.be/Lee01Nw-Kqw \n\nEvery minute is super-condensed with information and insights! Super discussion @kunalb11!"
"Visa application centers of India have a dead serious vibe of an examination center. People carrying bunch of documents, insecure, obeying instructions, hoping to pass the test. \n\nWesterners with free entry into most countries can’t understand this anxiety of developing nations."
"Outrage is lowest effort method to get likes and often viral cause people can outrage over someone’s outrage till a new topic to outrage emerges."
"Really loved this video.. This guy @kunalb11 reads so much and understands multidisciplinary fields. Learnt so much in 1 hour.https://youtu.be/Lee01Nw-Kqw "
"Would you want your kids to study abroad in developed nations?"
"Number of players and profit pools reduces as efficiency of a market increases. Often players find them battling for their existence in and profits from old models and ignore the new markets that gets created by prior market becoming more efficient at insane speeds due to tech."
"https://twitter.com/RARohde/status/1108391436272234498 …"
"Ability to make jokes about yourself is best way to rob people the ability to make jokes on you.https://twitter.com/MonicaLewinsky/status/1159068458111262720 …"
"DAU of Nuance is shrinking rapidly."
"#CredExperiences Master class with @VickyRatnani at @thewestinhyd. It's always a pleasure catching up with the Chef. Great to see the offline experiences created for the @cred_club users. #TheWandererFoodies #Hyderabadpic.twitter.com/kMbJdGaXFv"
"Startup folks/founders : what is the best format you’ve come across to run a townhall or all hands meeting?"
"The new CRED is really great. loved the design. CRED is certainly moving towards content and user engagement rather than becoming a mediocre fintech app. #CRED.  @kunalb11pic.twitter.com/9A6Iva6C5Q"
"The new cred app has both dark and light mode!  feels much smoother than the previous version, kudos @kunalb11 #credpic.twitter.com/v8E1ILtcgM"
"Who are the ppl in your career who took a chance on you?\n\nWho either put their time, reputation, or even money on the line to open doors for you?\n\nI'm inspired by ppl who cosign others & help them break in, & want us to recognize those ppl, so we encourage more ppl to do the same"
"Would you migrate to a developed nation if you had the opportunity?"
"For a founder, boundaries between them and their companies often cease to exist and often downfall of their creation is felt as end of life for them. \n\nCant take away this wild passion from a founder to live and die for their creation and is often why they win against big CEOs."
"pic.twitter.com/p0lwXQdtJV"
"Money is a store of energy. \n\nEnergy changes form. Humans are probably only species that knows how to convert all forms of energy to their advantage and store it. \n\nEnergy is not zero sum. Humans will keep converting energy to money till they perish. \nWealth is thus not zero sum."
"Instagram perpetually demands novel taste. \n\nIn this quest of new new things, people will want to stay at, party at, eat at, travel to, shop at... new new places. \n\nPotentially creating entropy of many brands as we know it."
"Old advice, but still worth repeating. Those funds you would have spent on an MBA? Do a startup instead. You'll learn far more with a CEO degree."
"Did you learn how to manage your earned money or growth wealth in your school/college?"
"This will be as big as UPI. \n\n #sahamatipic.twitter.com/kgdiN7ZJbC"
"What an exchange:\n\nJeff Bezos: \"Peter Thiel is a contrarian, first and foremost. You just have to remember that contrarians are usually wrong.”\n\nPeter Thiel: “Contrarians may be mostly wrong, but when they get it right, they get it really right.”"
"Price of extreme creativity is natural resistance to all things structure and rules."
"What a magnificent experience paying credit card bills on Cred! As a payments guy, I love the speed at which money moves though all the hops involved! cc @kunalb11 @harish_iopic.twitter.com/Xwh447CILA"
"Would your family be open to have young female members travel long distance everyday or migrate to another city for a job?"
"Great snapshot of the heterogeneity that defines India. No one size fits all. No winner takes all.https://timesofindia.indiatimes.com/business/india-business/finally-companies-wake-up-to-a-million-indias/articleshow/69790299.cms?platform=androidutm_campaign=andapp&utm_medium=referral&utm_source=native_share_tray …"
"“Social media is a nuance destruction machine”https://twitter.com/thesheetztweetz/status/1141775160263008257 …"
"People who don’t know the chemical process of converting failures into lessons and fuel to propel in life spend most of their life avoiding them."
"Show me a person who’s successful and yet lazy and I will show you a person who’s addicted and dependent on seeking insights."
"Just ~4 years ago $~450M of @FreeCharge was largest internet exit. \n\nA year ago @Flipkart exit was >$19B.\n\nThis year @riteshagar buys back shares worth $2B from existing investors. \n\nIf this doesn’t make you believe startup india’s time has come, nothing will."
"CRED experiences r awesome . my 1st time. And I realized they don’t just give u an entry to some event but they actually curate the entire thing end to end with venue/etc. partners. You really feel like a member of a special club. \n\nMy daughter & I at Lavonne academy @kunalb11pic.twitter.com/JvsZVnBPft"
"pic.twitter.com/UQKBJv7meJ"
"How often do you use your cheque book to give money?"
"When was the last time you visited an actual bank branch (not ATM)"
"If it was possible to know with good degree of certainty about future health complications in kids of a potential arranged marriage couple via genetic matching, would it be used?"
"“If you dislike change, you're going to dislike irrelevance even more.” — Gen Shinseki"
"pic.twitter.com/siFg1Y3h8i"
"How do you normally rate cab rides"
"pic.twitter.com/4rIMFEz1MU"
"Twitter is usually filled with outrage against brands or companies cause it’s easy and natural to tweet when you have that occasional bad experience. \n\nBut as customers we can balance it by tweeting about any good experience we have. Helps the brands and makes twitter bearable "
"This is why India is the MAU farm of the world.https://twitter.com/SudeepMhato/status/1150468164808916992 …"
"pic.twitter.com/uynLnNpcke"
"https://twitter.com/sagarcasm/status/1150332218247528448 …"
"pic.twitter.com/uUA05LS3GN"
"India (from Ericsson latest report)pic.twitter.com/U1NrhirUnm"
"Elaborate processes is what companies have to idiot proof the company from not so good team members but side effect of that is shackling and slowing down of good team members.\n\nTech startups allow hiring of fewer people to offer immense freedom but most end up swelling the org."
"Rigidity often is a side effect of over simplifying thinking, beliefs, rituals, processes...\n\nRigidity helps to scale things but agility helps in surviving. \n\nRarely a human, company, country, system can achieve balance between both."
"https://twitter.com/FinancialXpress/status/1149230878154878976 …"
"Do you believe in astrology? (Anonymous poll)"
"Success has many fathers. \nFailure is an orphan.pic.twitter.com/OGualgWxCX"
"How many non-fiction books do you read per year (pls be honest, anonymous poll)"
"Founders deal in affirmations. Things come true because they say they’re true."
"How Philosophy Workspic.twitter.com/tDiKlIdafk"
"It’s natural for humans to consider the history and brand of entity when they deposit their money with these entities but not bother about their backgrounds when they borrow from them. \n\nThus, lending can never be “winner takes all” market."
"Skills don’t pass genetically. \n\nWith accelerate rate of change in the world today, anyone can become useless in a decade if they don’t upskill constantly. \n\nWhile we learn a lot at school and work, we haven’t been trained how to learn quickly and effectively and that will change"
"IQ testing is like making cars compete in a racetrack, and use it to make claims about their ability to cross a dense forest (with unpaved roads) such as the Amazon."
"pic.twitter.com/fKCNSOVQk1"
"Most of your collaboration work happens on:"
"Signaling goods is a high margin business. \n\nMaintenance of signaling goods is also a high margin business as the signaling good becomes part of social identity of the owner and is taken care of like a body part."
"Any subscription product that’s about improving yourself has massive retention because cancelling it means you’re giving up on yourself."
"Instead of spending on billboards to promote CRED, we are keen to beautify cities we live in with art/green cover or build fun parks for children. \n\nWould love to partner with any company that can help us achieve that. Pls write to partner @ http://cred.club  Pls RT/Tag"
"Hyperconnected world is a super conductor that will make good startup ideas spread faster than ever. \n\nThis shift will force capital to move at earlier stages for all investors out of fomo, resulting in chaos as not all pools of capital can play high speed without data."
"Instead of spending on billboards to promote CRED, we are keen to beautify cities we live in with art/green cover or build fun parks for children. \n\nWould love to partner with any company that can help us achieve that. Pls write to partner @ http://cred.club  Pls RT/Tag"
"This should be fun @bhavintu ; considering we have a diametrically opposite style of building companies.https://twitter.com/bhavintu/status/1145412451762167810 …"
"India’s flaws create millions of jobs. The laziness of its rich, men who are protected from house chores, the need to be feudal lords, the imagination that if you put a malnourished man in a paramilitary costume he will become a 'guard'. My latest column:https://bit.ly/2RN8eMh "
"In societies with culture of huge power distances, high status people rarely value labor and dont like paying for convenience. \n\nMaybe people of lower status also struggle to say no to products or services sold by people of higher status personally."
"Entrepreneurship degree = learnt to swim without going in the water"
"@cred_club Is getting too addictive. Also, great addition to the “Plant a tree” drive, with actual details of the work that’s going on. Brilliant stuff @kunalb11 and team.pic.twitter.com/s3v6ZMBU2F"
"Did you ever do a job that paid you on hourly basis instead of per month?"
"Half the climate change is being caused by all you \"AC + Blanket\" kind of people! "
"Which category of app would miss the most of they disappeared forever"
"What % of teachers in your school and college were good at teaching?"
"The fastest way to become exceptional is to work with exceptional people.\n\nIf you want to be a great engineer, work at a company with great engineers. Want to start a company? Work for an early-stage startup with extraordinary founders.\n\nWatch them work, and learn by osmosis."
"Poor physical infra: high cost and unreliable shipping of goods (atoms). \n\nGreat digital infra: low cost and futuristic stack for moving money (bits)\n\nNo prizes for guessing which of the two will be wealth creation category for next 5 years."
"Misspelling the company name gone right.pic.twitter.com/40xnbs7Cqh"
"Inefficiency is the largest employer of the world. \n\nRemove inefficiency too quickly with tech and you are setup for a major civil unrest."
"Your seniority in life and work is not defined by your titles but by magnitude of issues you sweat about and fix."
"How expensive is your mattress?"
"you either die a startup or live long enough to become a fintech company"
"\"Startups don't stop growing because of market, competition etc, they stop growing because their leaders stop growing\" - good food for thought from @JamesCurrier @NFXGuild @Poshmarkapp"
"https://twitter.com/kunalb11/status/980355949507612673 …"
"We are our biases."
"Old post. #HelloLibra.pic.twitter.com/4r3D8FH41A"
"If you could increase your intelligence by 30% with a surgery which has a 1% chance of death during the surgery, would you do it?"
"pic.twitter.com/XzwbXbqyws"
"Do you speak the same native language as your girlfriend/wife/SO/boyfriend/husband?"
"If WhatsApp allowed you to get 1 click personal loan at competitive interest rates, would you use that feature when needed?"
"Great fun speaking  at @Visa India office. Thanks for having me @trramach . \n\nSuper happy to know that 90% of Visa team is on CRED and loving it pic.twitter.com/khTZifUwL6"
"pic.twitter.com/vuD20c9qH8"
"Thank you CRED, @kunalb11 for taking up this cause, and thank you to the many CRED members who have been so generous with their support #credmissions #giveindiahttps://twitter.com/kunalb11/status/1139133221633908739 …"
"Aiming to plant 500,000 trees. \n87% goal achieved with help of CRED members. \n#credmissionspic.twitter.com/CsbTty5aHd"
"Hey @Olacabs I need to report an incident I faced with one of your driver by the name Asif Iqbal Abdul Gaffar Pathan. He drives a mini Hyundai Xcent."
"Luxury products are the SEO hacks of human page rank system that are used for improving ranking but prone to same flaws. \n\nIf a rich person uses a fake luxury product, people believe its real. \n\nIf a non rich person used real luxury product, people feel it’s fake."
"Key difference between an observation and insight is the words it takes to communicate and breadth it applies to."
"pic.twitter.com/2Xgo85GTsz"
"If your friend got amazing super powers, he/she would mostly:"
"It you got amazing super powers, you would mostly:"
"If large majority of online ordered goods(skus) are available in 3 km radius of buyers, demonstrates a dense market that lacks long tail and likely to be disrupted by hyper local players with last mile muscle versus horizontal gorillas that can win on depth."
"Pakistan, you win this time. \nBut we will against you in World Cup.pic.twitter.com/67VpMaGBgN"
"Sad - India’s workforce is masculinizing rapidly. Obviously bad for gender equality. As @kunalb11 also commented, our GDP growth may get limited by this one big factorhttps://www.livemint.com/news/india/india-s-workforce-is-masculinising-rapidly-1560150389726.html …"
"Marc: “Do you know the best thing about startups?” \n\nBen: “What?” \n\nMarc: “You only ever experience two emotions: euphoria and terror. \n\nAnd I find that lack of sleep enhances them both.”"
"What % of women in your family/extended family of all ages have independent income?"
"65-70% of women in “urban” Bangladesh are employed and earn independent income. What % of women in “urban” India do you think have independent income?"
"Thread worth reading.https://twitter.com/mushfiq_econ/status/1127716623081717762 …"
"This is our internal checklist...although very tough to objectively score..without our biases...but it still helps us in asking the right questions, looking for hints and acts as a guide to decide.pic.twitter.com/YKehgVv5P2"
"pic.twitter.com/yICixBgHDJ"
"This #WorldEnvironmentDay I donated 500,000 CRED points to plant 100 trees & improve the green cover on our planet. \n\nRequesting everyone to do something similar.  We can save our future. #WorldEnvironmentDay2019\n\nRetweet & join the cause.pic.twitter.com/6ZTEDHzErP"
"Have you given interest free loan  or salary advance to your domestic help/driver in last 12-18 months?"
"Financial credit maybe a bet humans take on themselves to increase entropy of the system in future while staying low entropy themselves."
"Long tail in e-commerce can get fat if buyers truly seek to differentiate themselves from other people. \n\nLess likely to see fat long tails in markets where males are majority of online buyers."
"A common trope in VC is to ask whether the most important thing is the product, market, or team.\n\n@pmarca @eladgil @arachleff agree:\n\nMarkets are most important\n\nBut how to evaluate and pick markets?\n\n@nujabrol and I are working on a definitive guide. Some preliminary thoughts:"
"Where would you prefer to vacation if you could afford it?"
"Where would you prefer to vacation?"
"If it consumes you, it’s a mission. \n\nOr it’s merely a wish."
"There can't be a better place to be in the world but India over the next 10 years if you are excited about business, entreprenuership, technology and impact!https://twitter.com/nasscom/status/1134093508858355713 …"
"How many non fiction books have you read after formal education?"
"How often do you order food from outside?"
"You’ll know you’re young or old not by age but based on how much you talk about your dreams versus past achievements - @sandeepmtandon"
"If a society doesn’t know how to be productive with their time, will probably never trade money to save their time."
"Super app design inspiration.https://twitter.com/deepakabbot/status/1133898759140708352 …"
"Which UPI app do you mostly use?"
"Which of these 2 you prefer/trust more?"
"Which of these 2 you prefer/trust more?"
"The Dumb Idea Paradox. Why great ideas often start out by sounding dumb. Thread "
"As margins on most utility rails that made money in past disappear due to rich distribution hungry platforms, the real winners will be decided based on ability to upsell high margin products."
"True for people. \nTrue for companies. \nTrue for nations.https://twitter.com/naval/status/1132945921245794304 …"
"Scale of a chat platform becoming payments monsters.\nWill WhatsApp get there soon in India?https://twitter.com/mbrennanchina/status/1132764696547749888 …"
"Founder mentality: If you think like an owner, and you act like an owner, it’s only a matter of time until you become an owner."
"NEW on #PaisaVaisa, the Cred app special with @kunalb11 explaining the app, where it stands today, what it offers, and what lies ahead:https://ivmpodcasts.com/paisavaisa-episode-list/2019/5/27/ep-188-cred-special …"
"To become a philosopher king, start with being a king, not being a philosopher. \n\n— Taleb"
"“Content is King.\n\nDistribution is God”\n\nTrue for any B2C initiatives."
"Biggest impediment for most people studying human behavior as a subject is the wall of denial they face which starts as an ugly mirror before it becomes a tool to create wealth."
"Pride in a social identity often requires alienation. \n\nWe are proud of our religion, nation, language, etc but never proud of being a citizen of earth cause there’s no one to alienate in that. \n\nQuest to find aliens maybe thus critical to make earthlings come together."
"Humans love to spend least amount of time on boring transactions, more time on interesting transactions. \n\nTech helped reduce time on boring transactions online but not offline. Eg most humans would love to skip fueling their car or get it fueled in 5 seconds."
"\"Impatience with actions. Patience with results.\" - heard it on the @naval podcast this morning."
"True for all kingdoms, real or fantasy.https://twitter.com/kunalb11/status/1036540989232611329 …"
"On #PaisaVaisa, host Anupam Gupta (@b50) is joined by Kunal Shah (@kunalb11), Founder & CEO of CRED. Kunal talks about the common mistakes made by budding entrepreneurs and investors these days. \nThis episode is sponsored by @PaytmMoney.\nListen here: https://ivm.today/PV-187 pic.twitter.com/xXyCz3HJm9"
"In future, if many non food goods (electronics/grocery) could be delivered in 30 mins by food delivery companies at similar price of big e-commerce companies, would you switch to them?"
"How do you pay your domestic help?"
"90% of 3 & 4 wheelers around me in Bangalore are having live maps running on phone. If someone had told me this will happen 5 years ago, I would’ve laughed at their optimism. \n\nInnovations are spreading faster than ever & most of us are going to be victims or beneficiaries of it."
"It is shocking how often startups fail because of the personality flaws and deep seated childhood traumas of their founders and execs. \n\nGet therapy. Get exec coaching. Do inner work. \n\nIt will save you if you let it. You’ll solve problems now and prevent problems in the future."
"My number one predictor of whether or not a company will find product-market fit: High shipping cadence."
"1/ How to get promoted at a startup:\n\nAt larger companies career tracks are (too) well defined, and there are clear paths on how to move up. But at startups there isn’t a playbook for how to get promoted."
"When jealous or envious, ask these two questions:\n\n- Am I misinterpreting a non-zero-sum game as a zero-sum game?\n\n- If it's a zero-sum game, do I really want to play it?"
"Gamification is not merely a product skill but a life skill."
"Common thing between global companies and political parities operating in low per capita nations is both offer subsidies to get large MAU."
"Circa 2013.pic.twitter.com/zBTEvUqag3"
"Waiting decreases pleasure of a utility. \n\nWaiting increases pleasure of a prize. \n\nGoods that we award ourselves as a prize are best delivered slow."
"Explosion of information and free flowing knowledge is extremely flourishing time for people with growth mindset and probably also a time for others to shut off and avoid being overwhelmed. \n\nFake news maybe a symptom of this need to believe something rapidly without nuance."
"How much you earn is rooted in where you spend time and money."
"Resistance to automation is fastest way an organization can drop average IQ of the company."
"Do you understand connection between inflation of country and your fixed deposits interest rates?"
"What is deciding factor when you’re booking a cab/auto to commute?"
"Retention is symptomatic of dependence. \n\nTrue for products. True for relationships."
"Importance of naming things can be learnt from “global warming” v/s “climate change” Most people have happily stayed in denial as they don’t feel surge in heat and think it’s a hoax when it’s cold weather. \n\nMost of the world takes things literally, and that needs to be priced in"
"Watch Kunal Shah @kunalb11  - Founder of Cred and FreeCharge, discussing \"The Evolving Payments Landscape\" with Navneet Munot - Chairman, CFA Society India and CIO, @SBIMF at the 2nd India Fintech Conference at Bengaluru.\n\n#IFC2 #Fintech\nhttps://youtu.be/Lee01Nw-Kqw pic.twitter.com/LbNcyNON48"
"Long Thread. Came across this talk by @kunalb11 https://youtu.be/Lee01Nw-Kqw  . What a fascinating mind! Fascinating talk, so take out an hour, and watch it. Highly Recommended. Now, onto my major learnings from this, and inferences for investments (1/n)"
"Signaling goods enjoy the boon of margins as it naturally avoids the curse of standardization."
"\"Complaining is not a strategy. You have to work with the world as you find it, not as you would have it be.\" — Jeff Bezos"
"https://youtu.be/fLJBzhcSWTk "
"When learning a new skill, first teacher plays a huge role in your lifetime liking or disliking of the subject. \n\nAn impatient teacher who’s likely to reprimand for not being fast to learn or understand will ensure you’ll hate the subject for years to come."
"A great way to predict if something will be a success is if, when you talk about it, other people are genuinely excited to hear more about it. And weeks later, they remember the conversation and still get excited."
"As a founder, books, knowledge from startup events, YouTube content bingeing are all ointments that work magically only if your skin is porous enough with scars of trying and failing."
"All products that offer hope, have room to upsell, irrespective of the price tag and often achieved by providing affordability in installments. \n\nUtilities on other hand are super easy to downsell unless it has any signaling value attached to them."
"Do you understand concepts like assets, liability and balance sheet properly?"
"Much easier to make profits if your business sells or appeals to:"
"Much easier to scale your business if it sells and appeals to:"
"Hard to be popular by building things. Easier to be popular by attacking those who build. \n\nOften people confuse popularity as reputation. Reputation is long lasting if earned with things that don’t scale easily."
"ham ko http://ma.al ūm hai jannat kī haqīqat lekin \ndil ke ḳhush rakhne ko 'ġhālib' ye ḳhayāl achchhā hai"
"What would you rather have:"
"Wealth management startups pls note. \n\nVia - @kunalraopic.twitter.com/YxcskCXIOl"
"Understanding is mastery over complexity.\n\nWisdom is mastery over simplicity."
"Which type of people are you mostly surrounded by?"
"Which label describes India better?"
"Product focus begets market depth."
"Disruption of B2B banking may not be done by fintechs but instead by platforms launching fintech features."
"First-scaler advantage != First-mover advantagepic.twitter.com/mpj290pysH"
"I wonder how many 1 star ratings would an app get if a tech founder wrote this in India.https://twitter.com/elonmusk/status/1119122946113429504 …"
"Early adopters of products are special people. They put their faith and help do-build a product with their feedback. \n\nWithout that bunch of enthusiastic lot, rarely companies would become successful in any domains."
"pic.twitter.com/gA5hDJEaXx"
"Utilities have the curse of diminishing margins that can only be contained by monopolization or upsell of higher margin products on its distribution."
"Never mistake inertia for loyalty."
"Conviction is a word we use a lot @LightspeedIndia. \n\nBuilding conviction takes time, effort and courage but the benefits are massive. 1/n"
"If it was legally possible for large amount of people to invest in CRED, would you invest?"
"When making plans, think big.\n\nWhen making progress, think small."
"Before today’s win, last time Tiger won the Masters, these didn’t exist:\n\nTwitter\niPhone\niPad\nKindle\n4G\nAndroid\nYouTube\nAWS\n App Store\nUber\nAirbnb\nBlockchain\nBitcoin\nSquare\nStripe\nSpotify\nInstagram\nSnapchat\nWhatsApp\nPinterest \nKickstarter\nMessenger\nBox\nLyft\nHulu\nNest\nFitbitpic.twitter.com/CKXVwhJq4A"
"The Contemporary Conditionpic.twitter.com/bPM0tS5MVN"
"A plant becomes widespread if it bears good fruits that attract animals to consume it & in return spread the seed that came along with the fruit.\nIf a product creates an incentive for customers to use it but forgets to plant a seed that spreads the product, it fails to be viral."
"Ordinary circumstances breed ordinary people."
"Do you pay for digital music?"
"Vice can be a lonely affair. \n\nIt is not surprising that those who engage in a vice are constantly trying to find others who share their trait or recruit new people into their vice."
"GDP.\n\n1989\n\nUK: $1001 billion\nIndia: $299 billion\n\n2019\n\nUK: $2830 billion\nIndia: $2970 billion"
"Do you own any crypto currency?"
"Hyper connected world is forcing utility companies to become zero margin due its attractive distribution building capabilities and forcing them to seek alternates sources of revenue or lose out to big tech companies."
"Playing small games for long time creates mastery but doesn’t create big outcomes.https://twitter.com/peter_lauten/status/1116582560677502981 …"
"Often leaders confuse busy activity and launching new things as progress but most of them don’t move any metric. \n\nProgress is about moving a metric positively without negatively impacting other metrics."
"Sweden saves music. pic.twitter.com/3D5ZwbC29I"
"Platform companies with strong network effects.pic.twitter.com/o7Ll9uH3gj"
"Companies that are good at delivering existing motivations efficiently, rarely become good at creating new motivations.\n\nNetflix is that rare company from that lens."
"1999: no  to fuel my bike  but had to deliver some goods to earn. \n\nAt  embarrassingly told the attendant need little fuel worth 5₹ (₹30/liter) with an excuse that bike was going for servicing. \n\nOld attendant smiled and pumped a little more fuel “by accident” "
"Knowing how money or humans work are 2 most important skills but are rarely taught."
"Remember Pinterest?https://twitter.com/JonErlichman/status/1115272746835922944 …"
"pic.twitter.com/rI0IVYb3Ba"
"Raymond Ready-to-Wear is now on @Cred_club! Exclusive offer for CRED members. Refresh your wardrobe with our new Spring Summer’19 Collection. Find your nearest store here https://bit.ly/2Up0fsD "
"When was the last time you paid using QR code in physical stores?"
"Easier to make pounds in pennywise societies. \n\nEasier to make pennies in poundwise societies."
"Considering launching a reward on CRED where people can visit some well known startups in their office and meet the team behind the company who often remains faceless. Good idea?"
"One food tampering incident has probably lead to explosive growth for tape manufactures.pic.twitter.com/74x5kMFfO0"
"“Every successful person has to go through a journey of a hundred slaps. It’s best to get them early.” ~ @kunalb11"
"Insecure leaders often project power by being unapproachable.\n\nAt a workplace, best thing a boss can do as leader is to create more leaders with their support instead of expecting followership."
"Do you use OLX and Quikr?"
"B2C of developing nations is SMEs."
"One day I will click a LinkedIn link on my phone and it’ll open in the app. One day. pic.twitter.com/7jNcyPSQvD"
"QOTD (@kunalb11) - Margins went away from payments in 2010. People realised it in 2018.\n\nCc:@pankaj"
"People often ask what’s the future of fintech. \n\nMaybe future of internet is fintech."
"Content giants out there to slay commerce giants. \n\nCommerce giants out there to slay content giants. \n\nTech and sticky distribution are the weapons that will decide the winner."
"https://twitter.com/pathakaakash/status/1112563069148893184 …"
"Congrats @singh_sequoia for being the only VC from India and SE asia on this list of titans. \n\nBetween you and @mickymalka who also is part of this list, CRED is in safe (aka Midas) hands ;-)pic.twitter.com/cjVVT466GM"
"How studying philosophy early on, being unfairly ambitious, and continual learning, shaped him. @kunalb11 in a candid, timeless conversation from the archives of @FoundingF #Entrepreneurship #living #MustWatchhttps://www.foundingfuel.com/video/kunal-shah-understanding-humans-is-core-to-great-businesses/ …"
"Obsessing about metrics before product market fit, leads to death. \n\nNot obsessing about metrics after product market fit, leads to death. \n\nStaying prisoner to old metrics when market moves, leads to death."
"@kunalb11 great to see #cred at April fools fest #bira91aff @bira91pic.twitter.com/I2YgBZ806d"
"Which true emotion is evoked in people around you seeing success of young startup founders creating wealth in India?"
"Which type of medication do you trust more?"
"I trot out this tweet every two years or so but today felt appropriate given most of the 2012-2015 unicorns are just regular boring public companies now (or will soon be).\n\nWithout further ado, I give you the yearly NYTimes \"Are we in a tech bubble\" pieces."
"All wealth was built at banks of rivers and oceans in the past. \n\nAll wealth in future will be built on banks of rivers of consumer attention, time and cash flow."
"Being outstanding leads to occasional applause. \n\nNeed for applause leads to gradual mediocrity."
"Lending is a feature. Not a product. \n\nAlmost all and any distribution platforms with unique and rich datasets can unlock lending and win big."
"Lending is a feature. \n\n#AppleCard"
"Universities are backing themselves into a dangerous corner by becoming more expensive at the same time they're becoming less necessary."
"If WhatsApp launches a cab service with similar offering to Ola and Uber, would you use it?"
"Resent wealth to stay away from it.https://twitter.com/paulg/status/1109902207326015488 …"
"Mission > Ambition"
"Things you’re publicly proud of are the handles you expose to others that can be used to offend and manipulate you."
"Inefficiency makes things soulful. \n\nEfficient people appear rude. \nEfficient food tastes bland.\nEfficient cities feel dull. \n\nInefficient people, food or cities don’t scale."
"The #Cred app is introducing me to services and sites I didn't even knew existed. Win Win for all.\n\nLatest available reward is a Therapy Puppy, redeem to get \"play date with puppies\" at location of your choice \n@kunalb11  @Cred_club @Techglarespic.twitter.com/Nu9P4SphHk"
"The two most important qualities in a founder are self-awareness and a growth mindset. \n\nSelf-awareness = knowing what you need to improve\nGrowth mindset = you can improve anything"
"Instagram launches checkout. Desire to closet in one click.https://twitter.com/kunalb11/status/1065111947996221440 …"
"Hard to imbibe the culture of productivity in societies that were never paid hourly or variable salary. \n\nHard to sell products that save time to societies that don’t value productivity. \n\nMakes such societies susceptible to get rich fast schemes sold in various forms."
"\"What Kids Need to Learn to Succeed in 2050\" - @harari_yuval https://link.medium.com/3qbcA3Zo9U pic.twitter.com/SKJTrXe9V9"
"Life as a founder is so confusing. \n\nDesperate .\nElated\nSad \nTriumphant \n\nAll in an afternoon.\n\nIt's not a ride for most."
"Had an amazing start to the day with coffee at Blue Tokai, thanks to @kunalb11’s app #CRED - which, I believe, is not just one of the most meaningful apps on your phone, but also the way it's made, it might just be the best app India has ever seen in this category. \n\n#killthebillpic.twitter.com/5FmzXewUMh"
"Growth is the art of failing without self-destructing."
"1/ One reason we can't have nice investment strategies--a thread.\n\nThe brightest people I have met share a superpower that would serve investors well—the ability to make inherently complex things simple and understandable. And yet, most humans naturally equate complexity"
"Since the bottom in December, the S&P 500 has added $4,244,052,275,916 in market cap. \n\nThis is what the entire index was worth in 1995."
"Variety is the spice of life. \n\nAlso the secret of highly addictive apps."
"Scaling test:\n\nAre you too busy - working all the time playing catch up and feeling dissatisfied?\n\nIf the answer to that is \"yes\" then you are probably not scaling!\n\nDon't confuse that with hard work. Hard work is important but productivity is equally important"
"How do you use your mobile wallet for payments?"
"“Once you’re inside the cannon, there’s only one way out.” ~ Oliver Dake"
"Taki Taki? #CREDlifepic.twitter.com/a9dwgYz8So"
"Broke: Humans learn by lectures.\n\nWoke: Humans learn by imitation.\n\nLectures are an outdated way of transmitting knowledge, and future of education should reflect this.\n\nHumans are mimetic."
"You cannot make good decisions with your time if you don’t know the per hour value of it."
"Do you know the monetary value of 1 hour of your time?"
"Life is a long and slow game of converting expectations into experiences."
"More easier it becomes to spread a good startup idea in this hyper connected world, more big capital will be available early to spread the idea quickly."
"2019 is perfect year to scale large male centric D2C brand in India. \n\nTV viewing for males will be all time high due to elections, IPL, World Cup and overall tension on news channels."
"An insult given by someone you don't respect, should be immediately be taken as a compliment."
"I’m continuously amazed by how many people have to ask permission to buy a $50 book, yet are empowered to call a meeting that costs tens of thousands of dollars."
"#Cred Thanks to your reward points, I’ve  just started with #Cultfit and I’m loving it @kunalb11"
"A vacation is a very expensive way to schedule the time to read a book in peace."
"The latest #INSIGHTSpodcast is out with @kunalb11 #CRED @FreeCharge. He shares anecdotes from his entrepreneurial journey and how he achieved the #ProductMarketFit. Learn more about what inspires Kunal Shah in this podcast.\n\nhttps://medium.com/accel-india-insights/insights-25-kunal-shah-cred-shares-anecdotes-from-his-entrepreneurial-journey-b35b634b6209 … … cc: @_AnandDaniel"
"I did my bit. Did you?\n#credmissionspic.twitter.com/sZo9Wt4JV0"
"When you laugh at yourself, you steal the power in others of making fun of you - Kunal CREDpic.twitter.com/1K0Sa6Tb0j"
"All of the world’s top 10 cities with the fastest-growing economies will be in #India https://wef.ch/2EF6Sj7  #economicspic.twitter.com/pXp20LhAtw"
"pic.twitter.com/t6GdSztZmy"
"Understanding of compound interest makes investments either a push or pull product for consumers.\n\nCopying investment products from developed nations for developing nations thus is a terrible idea."
"Always remember: Strategy doesn’t matter if a team can’t work hard to make it happen. Vision without execution is hallucination."
"Vulnerabilities cause valencies. \nValencies leads to bonds."
"Bad solutions are often rooted in poor diagnosis.\n\nExperimentation culture doesn’t absolve one from coming up with needle moving solutions in the first go."
"Bad solutions are often rooted in poor diagnosis.\n\nExperimentation culture doesn’t absolve one from coming up with needle moving solutions in the first go."
"Permanence of something is probably rooted in large distributed ownership at the level of social identity. \n\nTrue for religion, language, cuisines, mythology, traditions, nations, gold and maybe someday bitcoin if it can get enough distribution."
"When people build products with labor of love, it shows, even if the customers don’t understand the nuances of the craft. \n\nIt comes from raw ability to build something that’s magical and beautiful and rooted in massive pride.\n\nBad products are not hated. They are ignored."
"When people build products with labor of love, it shows, even if the customers don’t understand the nuances of the craft. \n\nIt comes from raw ability to build something that’s magical and beautiful and rooted in massive pride.\n\nBad products are not hated. They are ignored."
"— Seth Godin @ThisIsSethsBlogpic.twitter.com/iyPh1nu1WM"
"If someone seems unbiased, maybe you just share their biases."
"Dangerous things for investors to do:\n1. Recruit ‘entrepreneurs’ to execute on your ideas  \n2. Encourage companies to run a blitz-scale playbook irrespective of context\n3. Borrow conviction\n#neverendswell"
"Meetings are a valuable use of time!pic.twitter.com/sDcKdBp5e5"
"\"Character, like a photograph, develops in darkness.\" — Yousuf Karsh"
"#CRED is the most rewarding app I've used.. ever.. I look forward to paying my bills now and enjoy winning cash back and buying partner offers(multiple new brands found through it)! thank you @kunalb11 Cred team"
"Envy is our gut telling us what we really want. if you don't feel envious of a movie star you don't [really ] want to be a movie star"
"Envy is hyperlocal. \n\nIt’s hard to feel envious about people who are not in our immediate circle of family, friends, colleagues or acquaintances. \n\nHard to feel envious of a movie star enjoying a vacation, rockstar having great mating success or a billionaire’s lavish party"
"Foldable Oscar trophy."
"From advertising on platforms that have user attention, Ecommerce companies may soon get into content aggressively to garner user frequency and capture their time spent. This is akin to shopping malls having music show in podium. \n\nWealth may not be zero sum. \nBut attention is."
"Can’t fix our per capita income when only one gender is in the workforce. \n\nUrban India ratio is even lower at <0.15https://twitter.com/spectatorindex/status/1099768436534652928 …"
"Pick the professor, not the class. \nPick the boss, not the company. \nPick the person, not the relationship.\nPick the investor, not valuation. \nPick the market, not the product. \nPick the character, not the personality.\nPick the skill, not the degree.\nPick the war, not the weapon."
"In an uncertain future, the best thing to do is to act decisively on your present beliefs AND at the same time keep yourself nimble enough to change when required. \n\nTrying to predict the future is futile. It’s better to create it instead."
"Truth seeking is the only habit that can save a company from addiction of metrics."
"The best part of Warren Buffet's letter this year. Applies especially to one's personal life. Never let your lifestyle get ahead of your earning potential.pic.twitter.com/iNXvmHW7Ih"
"Most successful B2C founders are jerks. \n\nTheir ability to be anal about small things is what gives them an edge compared to others. \n\nAs they say : retail is detail."
"- David Ogilvy.pic.twitter.com/m1RwkbRIeS"
"Thanks to cred points, got @RawPressery for free! Kudos to @kunalb11 for the wonderful idea of Cred . #waytogo #credpic.twitter.com/TRYb082two"
"@kunalb11’s app CRED is something you can’t miss if you use credit cards. I have loaded my eight cards and it’s set to make my life easy (and reward me for being loyal/disciplined). Card companies don’t like me, as I squeeze all free benefits, but don’t think CRED will hate me!"
"Lack of trust also creates concentration of trust. You’ll see them in many forms. Conglomerates. Celeb kids becoming successful. Super apps.https://twitter.com/SourabhBanthia/status/1099184401416577024 …"
"Once you have trust in your brand you can scale to any category you want is true for all of asia. \n\nIt’s hard for west to imagine that a chat company to launch offline doctors clinic chain along with 100s of unrelated successful businesses. \n\nBrand extends more in asia v/s west.https://twitter.com/mbrennanchina/status/1098785247599124481 …"
"This is finally coming true after 6 years with Swiggy launching stores.https://twitter.com/abheek/status/588933108629540866 …"
"pic.twitter.com/lmCcuNYADJ"
"Mostly my reason for using cred @kunalb11 is simply that it makes the payment to the card super fast. The default way to do it via netbanking used to take like 2 days."
"Awesome App @kunalb11\nCred app is simply amazing, gives a consolidated view of all credit cards/payments tracking. rewards are plus... Finally after 2 months, Moved my last credit card to CRED for payments (same Bank savings account/credit card)"
"“The first rule of fishing is to fish where the fish are.” — Charlie Munger"
"'Build for billions, not only for India but the world. The world should sit up, take notice and say, 'These Indians are super aggressive man!' - @vijayshekhar at #HindustanHamara event @kalaari\[email protected]/spybrSEbIG"
"In this difficult time of grief, the country has stood by its Bravehearts. #BharatKeVeer #BHIMUPI\n@dilipasbe @TheOfficialSBI @GoI_MeitY @_DigitalIndia @jagograhakjagopic.twitter.com/QSSjyP3uK6"
"I think #cred is the only app currently in the market which is giving you genuine discounts and offers for simply paying your bills.\nGot my #SwiggySuper for 1re! \n\nWhat an idea Sirji! @kunalb11  :)"
"I'm super excited to welcome @_sachinbansal onboard as an investor in @Olacabs. Sachin is an icon and an inspiration to a whole generation of entrepreneurs. I look forward to learning from him as we build one of the most impactful businesses out of India! http://bit.ly/OlaSachin pic.twitter.com/SGIaJrXirA"
"— @Kpaxs https://twitter.com/Kpaxs/status/1097598284934402048 …pic.twitter.com/XPcV8zystI"
"I use to get McD coupons.\nSurvived on that in my last year of college.\nThank you FreeCharge"
"That was back in 2011 when I first came to know about @FreeCharge. A simple sweet idea,That your recharge is made free.\n\nHave to pay 10rs to get coupons via post.\n\nService was so good that I never contacted cc.\n\nGood old sweet memories thanks @kunalb11 sirpic.twitter.com/06hcehEqGK"
"Facts about writing on the internet:\n\n1. It takes time to build an audience. That’s why it’s so valuable. \n\n2. The most interesting people you meet will find you online. \n\n3. People over estimate the short-term benefits of writing but under-estimate the long-term benefits. "
"Most internet businesses offer convenience. \n\nHarder to make large businesses that offer convenience in nations that has more time than money. \n\nFounders of low per capita income shouldn’t complain when they copy business models of high per capita nations and fail at it."
"Thank you @kunalb11 and #Cred. Back to back date nights, quirky gifts and ThirdWave coffee splurges. The husband is truly a changed man!"
"JP Morgan launches own cryptocurrencypic.twitter.com/w9VzxUHbKK"
"Birthday celebrations are the oldest celebration of a vanity metric."
"Momentous day today for me & @UdhyamOrg !\n\nDelhi Govt announces Entrepreneurship Mindset curriculum for 9-12 \n1st hour every day! \n11 & 12th std students to get Rs. 1000 each as seed capital!!\n\nKudos: @msisodia @binnybansalpic.twitter.com/yn3RobLtCD"
"If paying through your credit or debit cards became one click and easy both online and offline, would you continue using wallet apps or UPI apps for payments?"
"Congrats @AnkitiB @singh_sequoiahttps://twitter.com/jonrussell/status/1095122812153389056 …"
"Trust : most important human topic that is least researched."
"Loyalty maybe a byproduct of user dependence and user engagement. \n\nHard to imagine loyalty when time spent and frequency keeps dropping, causing or indicating lower dependence. \n\nTrue for apps. True for relationships."
"If a country and its system doesn’t favor and encourage its entrepreneurs and risk takers, it will remain a nation of job seekers and repel wealth as a nation. \n\nIf new age entrepreneurs live in fear of the system, they will either leave the country or turn into a job seeker."
"Ways to get lucky:\n\n• Hope luck finds you.\n\n• Hustle until you stumble into it.\n\n• Prepare the mind and be sensitive to chances others miss.\n\n• Become the best at what you do. Refine what you do until this is true. Opportunity will seek you out. Luck becomes your destiny."
"Good lesson for India too. https://twitter.com/prestonjbyrne/status/1093536690751373312 …"
"Fertile lands of the internet are at the banks of 3 gushing and perpetual rivers. \n\nRivers of user attention, time and money."
"Growth will convert your doubters better than verbal defensiveness.\n\nOutgrow your critics in every sense."
"Free why-phipic.twitter.com/MVrjk1YnNO"
"Today, the fastest growing free app in India  is \"Cred - Pay credit card bills\"! It DEBUT at the number 71 spot! More information on http://www.goatappsdaily.com/app/CredPaycreditcardbills-by-Dreamplug#CredPaycreditcardbills … #iPhone #iOS #CredPaycreditcardbillspic.twitter.com/rPkQNEpVNa"
"Your best employee will make more visible mistakes than your worst one.\n\nBecause they're doing 10x the amount of work & are taking initiative.\n\nYou should actually become suspicious when someone is making 0 mistakespic.twitter.com/DUdRvOCex5"
"Good to see your new company is trending @kunalb11 #credpic.twitter.com/yglFYgpIEh"
"Truth seeking minds often appear fickle."
"Which option to learn would you pick for your child?"
"What is the PRIMARY trigger for eating food for you ?"
"Also adequate m runway to focus on right metrics versus the constant worry to raise next round.https://twitter.com/amrishrau/status/1090088787667898369 …"
"Can’t iterate your way to epiphany"
"Wallet story of India\n\nPast: Prepaid (PPI)\nCurrent: Current (UPI)\n\nFuture: Postpaid?? (UPI OD, Credit Lines, Tokenized Credit Cards)"
"There’s no expert of future, all are experts of yesterday. - Jack Ma"
"As margins from distribution starts to get monopolized and diminished, margins will concentrate in discovery and creation of new motivations."
"Meritocracy is an illusion if the DNA of the organization isn’t made of radical truth seeking."
"Do you get a newspaper  at your home?"
"I did my bit. Did you? \n\n#credmissionspic.twitter.com/6OXaF3KWdM"
"The fact that everyone started talking about the mimetic theory because @peterthiel recommended it is a perfect case study of the mimetic theory. "
"If you want to see desperate lashing out take a gatekeeper and make them no longer a gatekeeper"
"Such a great value for money redemption @kunalb11 with the charity option for #CRED rewards. Donated 10 meals to @GiveIndia and won't stop!"
"Great thread for founders who build original zero to one ideas.https://twitter.com/robgrav3s/status/1060628993559482368 …"
"Great stuff @singh_sequoia and everyone at @Sequoia_India. Happy to be associated with @_surgeaheadhttps://twitter.com/Sequoia_India/status/1088252025849241600 …"
"pic.twitter.com/805zLfXCv6"
"Largest content platform in India is Whatsapp groups."
"@kunalb11 - Have never felt so tempted to pay my credit card bill much ahead of the due date. Hats off bro. Behaviour hacking without astronomical investments or burning investor money."
"Received some very disappointing news todaypic.twitter.com/NXcBSr0DYi"
"\"Poker is a combination of luck and skill. People think mastering the skill part is hard, but they’re wrong. The trick to poker is mastering the luck.\" - Jesse May\n\nAlso true for startups."
"PUBG app size maybe a super hack to become super app on low storage capacity phones."
"https://twitter.com/paraschopra/status/1000255780015112193 …"
"@qtrove went live on #cred platform some hours back and I see a lot of acitivity already. Perfect TG for us. Cc @ganeshk03 @srinirai @kunalb11 @abhay_pruthi"
"If you struggled to find an old pic alone to post for #10yearchallenge; you are a new recruit to individualism. \n\nWelcome."
"https://twitter.com/btaylor/status/1085047012788031490 …"
"Leading indicator for death of a B2C app is declining usage frequency of high quality users."
"“A bird sitting on a tree is never afraid of the branch breaking, because her trust is not on the branch but on it’s own wings.”\n\n— Unknown"
"https://twitter.com/larrykim/status/1083837201920786432 …"
"Thanks to #cred @kunalb11 that I get Swiggy Super for ₹1 for the year!pic.twitter.com/oQvrudGEK9"
"Do you know the interest rates you’re paying on your loans? (Home/Car/Phone etc)"
"Most human misery maybe rooted in pursuit of equality.\n\nMost human progress maybe rooted in pursuit of inequality."
"Human life is a game where everyone is trying to reduce time and money spent on boring interactions/transactions and spend their limited time and money on interesting interactions/transactions."
"https://twitter.com/DellAnnaLuca/status/1083765009396760576 …"
"Asian products, be it religions or cuisines or b2c tech products, are hard to scale outside asia as they are opposite of simple and standardized. \n\nThey are also hard to kill, as they are opposite of simple and standardized."
"You prefer online news in form of:"
"This chart is unbelievablepic.twitter.com/naHCB1FUeh"
"Congrats on the new role @NandanNilekani . India is miles ahead of the world in payments already and your leadership will help only make things better.https://twitter.com/NandanNilekani/status/1082646209720999937 …"
"Twitter, if used carefully, is a great way to attain clarity of thought by tweets that force condensed articulation and subsequent feedback loop."
"Is your current workplace fair?"
"Game theory > Karma. \n\nAlso karma is misunderstood.https://twitter.com/eriktorenberg/status/1081971218155167744 …"
"Looking forward to this partnership @Ankitatdineout @dineout_india . Go get your gourmet passport now on CRED!https://twitter.com/Ankitatdineout/status/1080708931624816641 …"
"Wish more people understood game theory and role of trust.pic.twitter.com/H2NUcOhdWZ"
"The internet amplifies our cognitive strengths and weaknesses.\n\nCurious, creative, love reading, love intellectual conversation, etc? It's the best time to be alive.\n\nEasily distracted, prone to procrastination, can't avoid pointless arguments, etc? The internet is a rough place."
"I wonder if per capita growth of a country can be predicted from trends on time spent on social or entertainments apps."
"#2019watchout Kill the bill with @kunalb11's CRED & earn on credit card payments. Read this brilliant review here  https://yourstory.com/2018/12/app-friday-kunal-shah-cred/ … @tenzin_pema @wistyloony"
"Leaders that don’t share credit publicly with team, may create teams that build work kingdoms to get validation from the bottom. \n\nLeaders that share credit with their team publicly, may create teams that hire fewer people to not diffuse their glory on credit bestowed."
"Hello, 2019. \n\nSource: anonpic.twitter.com/5yFa7KY0tv"
"Social media fuels mimetic desires like no other medium in human history leading to unprecedented envy and rivalry. \n\nHuman peace will thus require new scapegoats at much faster rate."
"India's top founders & VCs Abhay Pandey (@abhay__pandey), Kunal Shah (@kunalb11), Farid Ahsan (@frdahsan), Tarun Davda (@tarun_davda), Sandeep Singhal (@aaasandeep) & Sahil Barua pick their startup of the year https://tech.economictimes.indiatimes.com/news/startups/indias-top-founders-vcs-pick-their-startup-of-the-year/67317455 …pic.twitter.com/21IRf1LFz1"
"When I look at this graph, I have a very hard time concluding that capitalism is failing the human race.pic.twitter.com/XYl3JwEiDK"
"China’s growth summed up:\n\n1980 GDP: $300B\n2017 GDP: $12T\n\n40% of all global growth since 2008 is from China\n\nEvery two years since 2008, the incremental growth is that of India’s entire economy\n\nEvery 16 weeks an economy the size of Greece is created\n\nEvery 25 weeks a new Israel"
"https://twitter.com/_PratikGupta/status/1079057622987231232 …"
"In 10 years: \n\nIndia : 1.83x \nBangladesh : 2.73x\nPakistan : 1.6xhttps://twitter.com/spectatorindex/status/1078967717456015361 …"
"Paid CC bill on CRED. Got MarQ Microwave oven at 69 bucks on @Flipkart . Amazing rewards @kunalb11 pic.twitter.com/S5m2XWuks7"
"Zero-sum leaders expect followership.\nNon-Zero-Sum leaders create leaders.\n\nNon-Zero-Sum leaders get followership as a byproduct of creating leaders. Leaders that often surpass them in life."
"Happy to partner with @Flipkart for today’s reward. https://twitter.com/flywithsid/status/1078924266941251584 …"
"Well done Netflix. \nNice way to remind us we are in a rabbithole. #Bandersnatch"
"Good leadership often means less time reacting via superior anticipating."
"Stunning 2018 datapoint - Indian startups raised more VC $$ than public mkt IPOs!\n\n- $6.5BN for startups v/s $5BN for IPOs\n- Largest IPO was Bandhan Bank @ $650MN v/s multiple $1BN+ startup fundings\n\n-> \"Indian startups raised more money than IPOs in 2018\" https://www.cnbctv18.com/market/data/indian-startups-raised-more-money-than-ipos-in-2018-1784121.htm …pic.twitter.com/Vibf31QoJ4"
"CRED members today can get some exclusive rewards from Bhaane @bhanelovehttps://twitter.com/bhaane/status/1077908154074255360 …"
"Without consistent inflow of new insights, businesses are bound to become extinct. \n\nSeeking truth is underrated."
"The hardest thing for an entrepreneur is not what you think. \n\nNo one ever talks about it but this will make or break you. \n\nPeople? Process? Product? \n\nNope. \n\nIt's dealing with the emotional turmoil. Managing the emotional rollercoaster is the hardest skill you must master."
"Merry Xmas from all of us at CREDhttps://twitter.com/DusRupiya/status/1077550316340408328 …"
"One of the most astounding events in human history: the drop in global fertility rates between 1970 and 2014. https://brilliantmaps.com/fertility-rates/ …pic.twitter.com/P5heNWjkug"
"@kunalb11 CRED is incredible when it comes to UI and easy of payments.\n#Rewards are just out of the world amazing. Thank You CREDpic.twitter.com/zfnnPRNYNU"
"Moats, in order of strength: network, tech, regulatory, capital markets, crocodile."
"Anxiety is a scalar, fear is a vector"
"Don’t miss this one Bangalore peeps. \n@arrahman VIP passes for CRED members.https://twitter.com/VonamorMedia/status/1075710875124654080 …"
"I have spent as many years doing B2B business as B2C. IMO, intensity of running B2C biz is probably 100x of B2B as every internal move or market dynamics has ability to cause life and death situation for the business. \n\nThe rush is captivating, often creating life time addiction."
"Just remembered @kunalb11 once telling me; \"it is good that you don't always agree with my thinking, I don't always agree with my own thinking either\" "
"The @sleepyowlcoffee got delivered today. Love the packaging. Good stuff team. Will taste and share feedback. Happy to become a regular.  Thanks to @Cred_club for the reward. Good stuff. @kunalb11pic.twitter.com/r66E3Bp7Jt"
"Proud and Humbled to see #CRED  featured in this list.https://yourstory.com/2018/12/apps-best-difference-2018/amp#click=https://t.co/xjPP2tzsm9 …"
"⁦@kunalb11⁩ Thnks for paying my phone EMI free of cost #credpic.twitter.com/RmttD29Wyi"
"Looking forward for this partnership @KapilChopra72 and getting more CRED members to experience @eazydiner https://twitter.com/KapilChopra72/status/1073816050989445120 …"
"Prescient. https://twitter.com/hchawlah/status/1073587977610235904 …"
"Excited about this partnership with @rentomojo let’s rock this @GeetanshBamania https://twitter.com/GeetanshBamania/status/1073443169440649216 …"
"Science is about observables; decisions, risk, life, profits and wisdom are about unobservables."
"1/ What I’ve learned as a second-time founder:"
"FreeCharge (@FreeCharge) founder Kunal Shah (@kunalb11) is back with a new venture that incentivises customers paying their credit card bills in time, reports @nsd308.https://goo.gl/BhVXB1 "
"Kunal Shah (@kunalb11) talks about why he started Cred, role of discounts in attracting & retaining customers and key mistakes that startup entrepreneurs make in India https://buff.ly/2ElL0sQ https://www.youtube.com/watch?v=n4oKFvOaKOI …"
"https://twitter.com/gaana/status/1072370385365155841 …"
"Wow! saved ₹7280. Got two 30 days cult pass using CRED for me and the wifey. Godspeed to you @kunalb11"
"How do you load your digital wallet?"
"https://twitter.com/YourStoryCo/status/1070950395957166080 …"
"#Cred keeps getting Better !!!! \n\[email protected]/3LiJLMGCGE"
"Technology maybe moving profit pools away from products and services that provide convenience and instead getting concentrated in products and services that provide hope and non tangible benefits."
"A lot of people feel founders of companies succeed as they are smart, talented and connected. \n\nI think founders succeed as they have insane tenacity, ability to take risks and can unlearn quickly. \n\nThey eventually become smarter, talented and connected through their journey."
"Envy and inspiration are methods to achieve equality. \n\nEnvy is wishing someone who’s above comes down to your own level. \n\nInspiration is wishing you go up to a higher level where someone is/has been. \n\nOnly one method is corrosive."
"Get paid for paying your credit card bill! Who else could’ve thought about such an idea! Mind blowing, awesome, seamless experience!! Makkhann as they say!! Kudos @kunalb11 and team #Cred ! #killthebill"
"Hard to create value and prosperity till we can retain and attract inventors. https://twitter.com/asteroid_saku/status/1070031703421333504 …"
"Most interesting trivia from #cred today about my @Olacabs spends for personal travel! Slick and does what it is supposed to. Great work @kunalb11 & co!pic.twitter.com/7PlhKtCE7f"
"We just won the best retail brokerage for 2018 from NSE. There are still naysayers who question our business model. Here's why Zerodha!\nhttps://zerodha.com/z-connect/zerodha/bulletin-latest-at-zerodha/zerodha-indias-best-retail-brokerage-for-2018-by-nse …pic.twitter.com/1Rjbs5XxdI"
"pic.twitter.com/j0NFEJ9sPT"
"Celebrate the good actors \n#Credhttps://twitter.com/muglikar_/status/1069622216046723072 …"
"Perks of paying credit card bills. Ordered facial services for Mom and Wife, Home Made Soaps for kid and Shampoo for myself courtesy #cred @kunalb11 #PayingIsRewarding"
"Cred is a true delta 4 product, if you are still not earning rewards for your cc bill payments, you are missing out. What a second innings @kunalb11, it's just started and seems already bigger than the first!"
"Could not agree more with you. The focus should be on increasing the size of the pie vs fighting over who gets the biggest share."
"Founders in India often demonstrate a zero sum mindset. \n\nWin of someone doesn’t need to come with loss of someone else. \n\nWealth is not zero sum. It’s not the same as limited college seats with millions fighting for them. \n\nIndia market cap may breach 6 trillion in a few years."
"Letsbuy was one of the initial partners for freecharge. Couldn’t have missed this opportunity to partner with @kunalb11 again. All the best!"
"Finally some feel good factor after paying my credit card bill through #cred. Awesome stuff @kunalb11. Already waiting for my next credit card payment due date "
"For the first time there was an eagerness to pay the credit card bills much beforehand. Thanks to #Cred. @kunalb11 \nWaiting for some more exciting rewards.  #DilMaangeMore"
"Just tried out the CRED App. Totally in love with the design! Would love to know the design team behind. Anyone here? Let's grab a coffee together  #credapp #design #fintech @kunalb11"
"I recommend giving this app a try. #WhatsYourCred #CRED @kunalb11https://twitter.com/BGRIndia/status/1069156899633983488 …"
"Did Cred trigger you to know your credit score?"
"Claimed my first reward on #CRED today! Now I feel good about my Credit Card bills \n@harish_io @kunalb11"
"https://twitter.com/digbijaymishra1/status/1069088792089264128 …"
"Credit card payments have always been a hassle for me. I have 8 of them! Finally one app where I can manage it all and earn points on Card payments, not just spends. Good job @kunalb11  :)pic.twitter.com/jXwinmPRbE"
"GDP of India.\n\n1998: $428 billion\n2018: $2850 billion"
"6 Banks\nUnpaid dues on all of them\nOne App to pay 'em all\n\nThank you Cred\n @kunalb11"
"Humbled by all the love and support we are getting. \n\nAlso, love you back @Applepic.twitter.com/KKYv66hcsd"
"This is awesome! Got a 1 month extension on my Cult membership by paying credit card bills via #Cred . Also, love the smart statements feature and ability to pay all credit card bills via 1 app and 1 click. @ronikaraisarin @kunalb11 #BeCureFit"
"Leave the rewards aside, I'd pay my credit card bills with #Cred simply for the brilliant UI. Even the on-boarding was so smooth.  @kunalb11pic.twitter.com/CxYhmbKR0I"
"Retail is detail."
"Is this for real? 1000 Rs cash back.. Haven't been this excited to pay my credit card bills  @kunalb11 #credpic.twitter.com/sa7OuRruYP"
"Hopped onto the #cred bandwagon. Instantly impressed with the UI & the offers - all the hype seems legit! \n@kunalb11 pic.twitter.com/qFzkNbshUS"
"Just amazed at how #Cred has pulled off all the hype in the ecosystem. Guess, after the likes of Google-FB, someone like @kunalb11 could only crack the pre-launch marketing hype. \n\nLoved the offers. Urbanclap // ixigo // Thirdwave // Curefit.pic.twitter.com/9160MbN2Ga"
"The awesome #Cred app is on a tear. Day 5 payment volume is approx equal to Freecharge at the time of exit, and that was 5 years into the journey. \n\nAmazing work @kunalb11 and #Cred team"
"Pick the professor, not the class. \nPick the boss, not the company. \nPick the person, not the relationship.\nPick the investor, not valuation. \nPick the market, not the product. \nPick the character, not the personality.\nPick the skill, not the degree.\nPick the war, not the weapon."
"Excited and proud to be a part of the #cred rewards at launch. Thanks @kunalb11 for helping us introduce @themomsco to the right folks across India.pic.twitter.com/Sh7iy3WaDf"
"A creator seeks applause but cares more for applause from fellow creators. \n\nIt’s been humbling to see 300-400 founders, PMs and Engg leads share feedback and admire the work at CRED. \n\nAlso huge  to thousands of beta users who helped test and encourage us for this mission."
"Love #CRED .. 779 is my cred score\nfound 2 suspicious transactions..pic.twitter.com/7f6lReJSzA"
"This gem screenshot landed this morning in my inbox from a lawyer couple  #whatsyourcred\npic.twitter.com/qKiI3aEOFG"
"https://twitter.com/AnkiTandon/status/1067502486636744706 …"
"Till yesterday - A google sheet with due amounts and due dates for my 6 credit cards!\nFrom today - #CRED\n@kunalb11 Thanks a lot for this awesome app."
"Thank you for your partnership @alokebajpai . Ixigo has been innovator in travel and clearly going to dominate in years to come and hopefully we will pay a big role in it :)https://twitter.com/alokebajpai/status/1067408971261083648 …"
"Sleepless team working non stop for last 3 days to create great experience . \n\nBoon of having some level of success in previous startup is some early love. Curse of having some level of success in past is 3 days startup is expected to be as good as 2 year old stable company.pic.twitter.com/3j6POBwuJv"
"Just got early access and am super shocked to know I have a credit score of 847!! \nAnyways, I also heard CRED is hiring those with credit scores above 800. Not sure how to apply though. @kunalb11https://twitter.com/kunalb11/status/1066957287888105472 …"
"Changing habits:\n\nPick one thing. Cultivate a desire. Visualize it.\n\nPlan a sustainable path.\n\nIdentify needs, triggers, and substitutes.\n\nTell your friends.\n\nTrack meticulously.\n\nSelf-discipline is a bridge to a new self-image.\n\nBake in the new self-image. It’s who you are, now."
"A psychologist friend summarized the “condition” of entrepreneurship quite aptly: \n\n“Entrepreneurship is the need for uncertainty merged with need for significance. “"
"Thanks for your partnership @ankitnagori27 @mukeshbansal06 \n\nCred members get 30 days absolutely free at http://cult.fit  for just paying their CC bills on time :) https://twitter.com/ankitnagori27/status/1067277335722950657 …"
"Well done, Neeraj. What a run.https://twitter.com/neerajarora/status/1067202870351618048 …"
"#CRED is a Wow experience (or as @kunalb11 would like to hear, a Delta>4).\n\nDid my first payments and reward claims. \n\nThe bar for both UI and UX has been reset. @singh_sequoia @harish_iopic.twitter.com/hD3zFJMeH9"
"There's a free recliner coming my way for 3 months because I paid a credit card bill. WTF. This is madness. :'D #cred @ronikaraisarin"
"https://twitter.com/Prateekjogani/status/1067080291548770305 …"
"Absolutely loved the product @kunalb11. There is an absolute need of this product considering the shift in payments and the current generation that finds it difficult to manage multiple credits cards.https://twitter.com/kunalb11/status/1066957287888105472 …"
"871 credit score! Approved  The user interface is amazing too. Good Luck to you and your team."
"Downloaded (and got accepted). Among the best UI I have come across in a long time. Great experiencehttps://twitter.com/kunalb11/status/1066957287888105472 …"
"Great product @kunalb11 . Take a bow!  Orgasmic product oboarding experience. I have already gotten benefit worth more than 3000 INR on CRED. I am thinking of getting more credit cards in the family just to use CRED! https://twitter.com/kunalb11/status/1066957287888105472 …"
"My next - CRED. \n\nApply on https://cred.club  for early access #whatsyourcredpic.twitter.com/FKRRJCVAmP"
"Cred will initially offer its credit card product to customers with credit scores of at least 750 while others will be waitlisted.https://www.livemint.com/Companies/hMPDTo4UhtvMCsEqa6qLoJ/Cred-to-launch-product-for-credit-card-users.html …"
"FreeCharge founder @kunalb11 new venture Cred aims to tap consumers with high credit scores, @BiswarupGET @samidhashttps://tech.economictimes.indiatimes.com/news/startups/freecharge-founder-kunal-shahs-new-venture-cred-aims-to-tap-consumers-with-high-credit-scores/66800940 …"
"Future of retail?https://twitter.com/jonnohopkins/status/1065872627166793729 …"
"You can trust your gut when (1) you're in a predictable environment, with (2) regular practice and (3) immediate feedback on your judgment.\n\nIf those conditions aren't met, don't trust your intuition. Test your intuition with data.\n\n#SaturdayMotivation:https://www.thinkadvisor.com/2018/11/16/daniel-kahneman-do-not-trust-your-intuition-even-f/ …"
"Some of my twitter feed is filled with the same recurring comments about @kunalb11 cred's onboarding experience. I honestly believe the developers who implemented this to perfection deserve equal shout out..! Whoever you guys are, kudos "
"Made my first payment through #CRED app and it was amazing ! Smooth AF. Calling out all app developers to take design cues from this app. Thanks a lot @kunalb11 and @harish_io  \n\nLooking forward to accumulating CRED coins and redeeming for rewards"
"Damn. Someone mentioned Cred and I downloaded the app to check out how it works.. this app seems brilliant already. @kunalb11 amazing job by your team. This is exactly what I was looking for. Had always struggled with tracking different CCs."
"Mark this tweet and revisit in just ONE year.\nIf you hold a credit card  in India, you’re going to use @kunalb11’s CRED to pay the bill. Period.\nThe mind is blown. The best on boarding experience I have ever had.\nAnd it’s magical. I just entered my mobile number. Just mobile nopic.twitter.com/Px4Aa58fmG"
"We have a winner in #cred! Despite a few minor kinks, it’s a gorgeous app with seamless payment flows and great rewards. I’m not using another app to pay credit card bills. Take a bow @kunalb11 @harish_io"
"Such a fun article: Are Pop Lyrics Getting More Repetitive?https://pudding.cool/2017/05/song-repetition/ …"
"https://twitter.com/fdestin/status/1065327541949476864 …"
"Did you ever get an incentive or benefit for paying your Credit Card bills on time?"
"Hypothesis: People who read the most fiction are primed to assign meaning to anecdotal evidence because fiction treats every observation as meaningful. Reality is nearly the opposite.pic.twitter.com/06arkEcG4Q"
"Do you actively watch your Credit Card statements every month to detect hidden charges by bank?\n(PS: they don’t appear on SMS and there are over 30 different hidden charges)"
"Families care; caring creates families. \n\nFamilies have secrets; sharing secrets creates families. \n\nFamilies have rituals; sharing a ritual creates families. \n\nFamilies have crisis; suffering crisis creates families. \n\nFamilies trust; sharing irrational trust creates families."
"If desires are getting triggered from social media, not long before they will get fulfilled from social media as well. \n\nWe shouldn’t be surprised if in long run platforms like Instagram become largest platforms for travel and fashion commerce."
"Earliest eCommerce platforms had to induce desire and deliver it. Now role of inducing desire is done by social media with bombardment of goods or experiences. \n\nFuture eCommerce companies will just need to ensure assortment of desirable items and deliver them cheaply & reliably."
"Was in China meeting startups and attending founder events. \n\nWas unusual to see the amount of times they used the word “co-operation” in their conversation with me or amongst themselves. \n\nWas told that success of internet startups is deep cooperation between all online players."
"Did you ever get an incentive or benefit for paying your Credit Card bills on time?"
"Move into a office on 3rd floor of a building for new startup few months ago.\n\nLearn about new neighbors on 2nd floor in few months. \n\nTurns out it’s good folks @FreeCharge\n#nevertellmetheodds"
"if the news are fake imagine history"
"A wealthy person gifts you 1 crore rupees. You get to choose in which form you’ll accept the gift. But there’s a catch: You must keep the gift in the form that you choose for 10 years without touching it. In which form would you accept the gift? Part 2(Inspired by @ronpaul poll)"
"A wealthy person gifts you 1 crore rupees. You get to choose in which form you’ll accept the gift. But there’s a catch: You must keep the gift in the form that you choose for 10 years without touching it. In which form would you accept the gift? (Inspired by @ronpaul poll)"
"Okhttps://twitter.com/naval/status/1062020468725571584 …"
"One of the biggest arbitrage in business very simply is the commitment to “treating people better”\n\nIt’s incredible what happens when founders deeply care about the interests of their customers, employees, suppliers, investors; truly act as custodian of their interest"
"Thank you LinkedIn for honoring me with this. \n\nI should really post more on LinkedIn :-)https://lnkd.in/fEcnsv2 "
"https://twitter.com/LifeMathMoney/status/1061528029204242432 …"
"https://twitter.com/skirani/status/1061512808196685825 …"
"Many who claim to seek “motivation” actually seek “affirmation.”\n\nThey want to feel better about what they already are.\n\nAffirmation is not the path to growth."
"pic.twitter.com/la7zATpto0"
"Festivals were born as celebration of social identity together. \n\nTribal times= coming together for a feast or a group tribal dance. \n\nUrban times= nuclear and celebrations are now individualistic often causing harm to society as a whole in form of air, sound and water pollution."
"This chart has one missing thing. \n\nPayments. \n\nOnce payments penetrates. \n\nCommerce will.\n\nAnd most likely will be led by payment companies.https://twitter.com/benedictevans/status/1059865573608239105 …"
"WhatsApp was the last to launch stickers amongst messaging players.\n\nWhatsApp maybe last to launch payments. \n\nThe beauty of products with large distribution and network effects is that you can turn any product into your feature at will and win."
"People who have more money and less time, you monetize by giving convenience and trust. \n\nPeople who have more time and less money, you monetize by offering luck or lending."
"https://twitter.com/Vistara/status/1056503099915939840 …"
"One chart that summarises the fact that there are few industries more promising and with more runway than eCommerce at a global level in the next 10 years.pic.twitter.com/ObOdxB2s2D"
"First time founders are obsessed with product.\n\nSecond time founders are obsessed with distribution."
"Excited to announce Cred, my new startup after 3+ years of playing on the sidelines. \n\nA platform to celebrate and reward the most creditworthy people of India  \n\nTeam working hard to get the beta out in a few weeks. \n\nHappy Diwali everyone.pic.twitter.com/TbQaSO4OFo"
"If you are forced to keep your family jewelry with a stranger for a few days due to unavoidable circumstances, which person would you trust more to keep it safe? (think carefully and answer)"
"World has high tolerance for liars, but low tolerance for hypocrites."
"All coalition loyalty programs start with intent to benefit all involved parties but ends up benefiting 1-2 most attractive players. \n\nCrypto is a coalition currency program that might suck wealth out of weaker nations if strong nations start backing it directly or indirectly."
"https://twitter.com/andrewchen/status/1058396208329183232 …"
"Interesting results.https://twitter.com/kunalb11/status/1058718993748508673 …"
"Which ad would you trust more?"
"Rapid Fire Friday with @warikoohttps://twitter.com/biifund/status/1058319560040824833 …"
"All successful people have one underrated quality in common - they are massively resourceful.\n\nIt's an unfair advantage to have in business. Look for folks in your team who are resourceful, double down your bets on them and do everything you can to make them successful."
"Your top 2 non fiction books of 2018?\n \nRT to get more responses."
"Great to see this changing. https://twitter.com/amitabhk87/status/1057622891376840704 …"
"One of the best in this series. Thoroughly loved the no nonsense, cut through the crap conversation. \n\nAbsolutely expected from @kunalb11https://twitter.com/biifund/status/1057129541779382272 …"
"Streaming Now: @kunalb11 Co-founder Freecharge shares how to start and scale a successful business in India, what Indian founders lack, and theories that lead to the success of @FreeCharge .\n#BuildingItUp #podcast\nListen Now: https://bit.ly/2COLNkx pic.twitter.com/SB4g5rxDWc"
"It’s not a surprising to see success of UPI. Team @NPCI_NPCI is working tirelessly to innovate and remove friction in payments.https://twitter.com/thesuniljain/status/1056702401569308672 …"
"Earlier own account transfer was banned and now limit of 10 txns per user per day on UPI, I wonder if UPI app companies will find new ways to keep their transactions numbers up."
"Good stuff @RonnieScrewvala and team.https://twitter.com/RonnieScrewvala/status/1053191082991702016 …"
"Share the most insightful video you came across recently. \n\nAny topic is fine."
"https://twitter.com/naval/status/1054984950192181248 …"
"How often do you use UPI (in any apps)"
"In mistrust nations which lacks individualism, long tail retail may exist in offline world for geographic reasons but may not exist in virtual world where geography is just a mobile screen."
"If every new celebrity can become their own media via social media platforms and make direct advertising income, a lot of new actors may even pay to appear on TV to attain quick celebrity status and start direct monetization."
"Problems expand to occupy the anxiety available"
"Let’s set the record straight.\n\nAttention spans aren’t falling. Opportunity costs are just rising.\n\nBig, big difference. \n\nPeople love long, in-depth content. But it needs to be really, really good."
"We often assume that value establishes price but often price helps establish value. \n\nAs world is burdened with information overload, processing power to evaluate value behind a price tag will keep diminishing and social proof will be the short cut chosen."
"Every supreme court decision that is clashing with faith, culture, and biases is helping to flatten and standardize the nation.\n\nWithout standardization, scaling is an illusion."
"Individualism maybe a necessary condition for originality. \n\nAny society that expects its people to fit in at any cost, is unlikely to invent or innovate."
"Word. https://twitter.com/clayroutledge/status/1037793507052859394 …"
"Pakistan is consistently beating India on Coke Studio while we are focused on cricket."
"We think we have an open society because we can criticize our government, but the company we work for has far more impact on our lives, and if you criticize them publicly they will fire you. The private sphere is still run like a dictatorship, by thousands of petty tyrants."
"Rhetoric garners more DAU at super low CACs compared to logic.\n\nIn business, ARPU of each rhetoric DAU maybe lower than logical DAU but in a democracy, ARPU of each DAU is a fixed unit in form of a vote."
"Humans are purpose driven animals. \n\nIn absence of other concrete goals, people make validation from others as their default goal and suffer it."
"Wealth is reward of increasing Entropy. \n\nInformation causes maximum Entropy. \n\nAny company that holds large volume of asymmetric information and ability to understand it, will always create disproportionate wealth."
"Wondering if volume of spam generated on WhatsApp groups in India is creating a short period opportunity for other messaging apps."
"Schools teach obedience.\n\nObedience is being automated.\n\nYou can't compete with a computer by trying to become one. \n\nBetter to focus on strategic agility and lifelong learning."
"Rejecting criticism shows defensiveness.\n\nListening to criticism shows openness.\n\nAnticipating criticism shows self-awareness.\n\nImproving based on criticism shows initiative.\n\n#SaturdayMotivation"
"Mistrust societies prefer buying products in package/predefined deals versus open ended to avoid bill shocks. \n\n“All inclusive” is basically “trust me”"
"Blitzscaling your company isn’t easy; if it were, everyone would do it. Like most things of value in this world, blitzscaling is contrarian and unique."
"Your current boss has traits of a:"
"When we admire a public figure, we establish irrational trust and merge our social identities with them. When they fall, we feel a breach of trust and part of us gets humiliated and decimated. \n\nAs they are hard to access, we resort to vicious public bashing and feel better.https://twitter.com/TheStoicEmperor/status/1049798737256574976 …"
"Self awareness is a super power.\n\nSuper powers are rare."
"Do you use UPI option to do money transfer or payment (across any app)"
"Low cognitive capacity in an information overload and attention deficit world is turning most people into different variant of extremists."
"Onwards and Upwards @1kunalbahl @rohitkbansal https://twitter.com/1kunalbahl/status/1049274448182951941 …"
"We choose people to take charge not only based on their potential to lead, but also on their willingness to follow.\n\nFit in too much → you're not qualified to guide us.\n\nStand out too much → you're not one of us.\n\n#SundayMorning:https://hbr.org/2018/08/research-to-be-a-good-leader-start-by-being-a-good-follower …"
"To live is to risk it all. Otherwise you're just an inert chunk of randomly assembled molecules drifting wherever the universe blows you- Rick Sanchez\n\nVia @RickandMorty"
"Winners visualize the rewards of success. Losers visualize the penalties of failure."
"Share the most insightful video you came across recently. \n\nAny topic is fine."
"\"I am not a product of my circumstances.  I am a product of my decisions.\" \n\n- Stephen Covey"
"Curse of intolerant people is that no one will be tolerant when they fall."
"Simple rule to be prosperous in life: \n\nSpend a lot of money to save time everyday and spend that saved time reading books written or recommended by the prosperous."
"What should be prioritized?"
"Culture creates consistency.pic.twitter.com/xkU6QEigmW"
"India marriages explained.https://twitter.com/Rukmini/status/1047765498040111105 …"
"KYC done right.https://twitter.com/RoflGandhi_/status/1047755400660041728 …"
"A lot of times, underdeveloped nations copy new and shiny rules and policies of developed nations at high speed with undesired side effect of hurting innovation and development."
"A lot of times people expand width of knowledge to connect dots. \n\nBut often dots get connected when one goes to depth with an imaginative and open mind."
"A word to young professionals: Always, always, always follow-up with people.\n\nMost people aren't ignoring you. They're just busy.  \n\n"
"My #1 Learning Strategy: FOMO your way towards brilliance.\n\nStep 1: Surround yourself with intellectually hungry people.\n\nStep 2: Hang out with them. They'll inspire you and give you \"Information FOMO.\"\n\nStep 3: Learn on your own.\n\nGo back to step 1.\n\nRepeat cycle forever.\n\n"
"1) Make sure your company doesn’t need 1/4th the people as competition with extraordinary tech. \n2) 2x the minimum wage publicly and urge others to do the same causing chaos. \n3) Winhttps://twitter.com/cnnbrk/status/1047069539782012928 …"
"Was at @Sequoia_India cocktail in Singapore last week and a unicorn Indonesian founder publicly acknowledged the help I’ve given his company. \n\nI have rarely seen gratitude in Indian founders. I wonder if we don’t do that out of insecurity or we feel weaker in being thankful."
"Marketplaces profit when brands compete fiercely. \n\nBrands profit when marketplaces compete fiercely."
"Wisdom cannot be directly transferred.\n\nWisdom that gets shared becomes acquired as knowledge; personal experience then converts it into wisdom."
"“I remember every single loss I’ve had in life clearly but don’t have good memory of all my wins.”\n \nAbsolute pleasure hearing @MichaelPhelps at Camp Sequoia. #campseqpic.twitter.com/Sig2gaOHRw"
"“Focus on building eulogy traits. The traits that people will remember you for, after you are gone.” - Doug Leone. My big take away from today #campseq @Sequoia_Indiapic.twitter.com/sgz7uRvB8Y"
"Valuable lessons from @dougleone about his learnings from Jeff Bezos and  Steve Jobs.pic.twitter.com/PCJU5JuAfM"
"Super apps are conglomerates of virtual world that mostly appear in mistrust nations where these apps act as a badge and concentrate trust."
"Being an original startup is a lonely affair. \n\nAs no one has built or invested in something like that before, it causes massive anxiety and needs 100x more conviction from founder, team, investors. \n\nNo wonder people like competing more than creating original companies."
"Dostoevsky on lying.pic.twitter.com/lm86o1Dovj"
"https://twitter.com/riteshagar/status/1044571072681525248 …"
"High frequency platforms that have attention and trust of users, suck several independent products and turn them into their features. \n\nEnglish sucked Arabic numerals and made it a feature. \n\nPhones sucked cameras and made it a feature. \n\nChat apps are sucking games and fintech."
"Shopping is a filter https://twitter.com/TechCrunch/status/1044298160988925952 …"
"Since the Universe has no center, you can’t be it."
"Many great businesses feel like a cult from the inside. \n\nA team acts and speaks differently when part of a strong cult, their social identity is merged with that of the company and often company rules/rituals overflow in personal life. \n\nMany cults are also good businesses."
"Top 20 tech companies in China have become fintech companies in last few years, doing stuff from payments to lending to  investments. Video apps have a credit line , chat apps dominate payments and investment apps feel like gaming. \n\nFintech is a feature."
"Via Originals by @AdamMGrantpic.twitter.com/43ZIejEytK"
"English is our neutral language. \nCricket is our neutral sport. \nTea is our neutral beverage \nPizza/Biryani/Noodles/Samosa is our neutral meal \n\nNone of them originated from India but unites us.https://twitter.com/dhume/status/1042908945478819840 …"
"Platforms are blackholes.https://twitter.com/CNBCnow/status/1042493806602530819 …"
"https://twitter.com/IndiaSpend/status/1042408809413652481 …"
"Great story.https://twitter.com/yasantha62/status/1042052665893511168 …"
"https://twitter.com/bhash/status/1042058823194877953 …"
"Early days of camera on smartphones were not treated as a threat by digital camera companies as early cameras were not as advanced. \n\nNow camera is an app icon just how floppy is an app icon to save. \n\nDistribution platforms turn good products into features. \n\nEventually."
"Lending is a feature.https://twitter.com/nikster007/status/1041289559429013504 …"
"A large section of the India's so-called educated middle-class is socially regressive and shows support for demagogues and opposes progressive values. People wonder why this is so. \n\nI however, wonder why this is surprising. It's clear as day. It's all in our education system."
"Haha. I thought Instagram stories disappear in 24 hours.https://twitter.com/adityamohanty_/status/1040941436043186177 …"
"Totalitarians don't like humor.\n\nLaughter is the enemy of unearned authority."
"Instincts are biases that went to US for a degree."
"Seeking glory is a feature. \nSeeking glory is a bug."
"Soon global influencers on IG may appeal to Indian followers to increase their follower count. \n\nJust like Instagram, their followers will soon realize that India is a cheap and effective DAU farm while ARPU will come from higher per capita income followers."
"Where do you mostly shop from?"
"pic.twitter.com/w0wepkOYqi"
"Share of population living at below $5.5 a day.\n\nNigeria: 92.1%\nIndia: 86.8%\nEthiopia: 84.7%\nBangladesh: 84.5%\nPakistan: 79.5%\nIndonesia: 62.3%\nEgypt: 61.9%\nSouth Africa: 57.1%\nVietnam: 35.4%\nMexico: 34.8%\nChina: 31.5%\n\n(World Bank)\n\nLonger list: http://instagram.com/p/BmpyeYhFOI1/ "
"Standardization has the boon of scaling but has the curse of being hi-jacked/copied. \n\nNon-standardization has the boon of staying but has the curse of not scaling."
"Apart from economic constraints, social barriers like the lack of empowerment prevent women’s access to mobile technology in India, suggests a study by the Harvard Kennedy School.https://indianexpress.com/article/india/uneducated-unmarried-women-have-less-access-to-mobiles-study-5349570/ …"
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"Last 10 bandhs have been either have been a Monday or Friday. #GrowthHacking #CapturingUserMotivation"