Founders innovative mind, Enterprenurial skills, problem solving attitude, down to the earth nature, the teams spirit to work for a a common vision and mission was amazing. Got many things to learn. Thanks to the interviewer for His efforts.
In today's world it doesn't matter how much money you raised, the thing which matters is the company's impact, profitability, returns to investors, visionary founder... And the ability to think long term bcz the market reward richly who think about long term and raising this much in this much doesnt make you a successful startup.
@@starX7995 Completely agree with your point brother but Today's startups are perfect examples of how they have raised tens and hundreds of millions of dollars in a hour or so time ! Even the industry titans in the VC sector have said this about today's AI startups like how much money they have raised no matter how shitty their business ideas are ! And in the video its an Indian startup and as an Indian I know how Indian startups like to burn investors money and how they are struggling to become profitable ! Only a few are there in India who have made some of the biggest startups and they were hugely profitable ! And in future if I had to raise for (as u said) a startup, I would never raise a single penny ! I would rather be bootstrap and raise from crowdfunding !
"Wow, this is an inspiring story of Zolve's journey! Creating a $200 million company in just 6 months is incredible. Their solution for international students is much-needed and impressive. Kudos to the team and their dedication! 💪👏"
When I arrived to the US in 2006, I got something like a 'secured credit card' from a Bank to build my credit history. Secured credit card works on your deposit (just like a debit card). So, never had a problem building credit history. But, there is always more than one way to solve a problem. I think Zolve did it elegantly.
In 2000 got CC from DCU and by 2001 had about 5 or 6 cards without any history and got unsecured loans, some with 0% interest for first 12 months. US Govt made laws around 2004 making hard access to credit market. Things changed after that.
But might be u have social security number therefore u got it but if you haven’t ssn just like me ....can u guide me the process to build credit history in usa without ssn and ein
Things have changed now. There are alternate providers who use the indian credit card history to provide you a credit card in US. Zolve is not necessary very friendly in their customer relations. A lot of the questions go answered if you happen to contact. Like you have a bank account with a non descript credit union in US is mandatory. You don't get a credit card without that. While no belittling the novel concept which Zolve promotes, some alternates have emerged now.
Iam very impressed they identify the long standing problem and solving with simple solution and in very short span of time great they just tapped international markets just like that it's wow movement for me.
I don't agree, a low-risk business in one country doesn't actually translate to a low-risk business in another country. Once you start to consider the geo-political frontiers the risk automatically becomes vague. Consider this, you invest some of your capital in a biz subsidiary in a country your choice, tomorrow the govt of native country comes up with an initiative to increase import duty on a critical component that your subsidiary relies on. Now had this happened in your own country, you could have lobbied for easier policy by you as a foreign investor have much less say in the workings of sovereign nation. The entire investment becomes waste. This is not some hypothetical scenario, it is very much real and something along the lines has happened with Cairn India(as a result they exited India but not without a huge loss).
One thing that you missed in the video is Credit card fraud. Solve is very poor when it comes to tackle credit card frauds. Once my Solve credit card was stolen, I reported to the team and they gave me very poor answer that was to block my credit card and wait for further assistance. After 3 whole months, my issue got resolved and I was able to use it again. The worst part was, I was reporting a transaction worth just $129.75 and it took whole 3 months to get resolved. So eventually I have had stopped using Zolve at all because of poor assistance from the team whereas American Banks resolves within 3 days. So you had to ask how they tackle these kind of issues. Thanks. 🙏
U can have a debit card literally the day u open ur bank account once u have ur SSN. I never carried cash in the US even in the 2001 when I was a student!!😮
WE DON'T HAVE OUR OWN OS / OFFICE SW/ WE DON'T MAKE SERVERS...BUT WE HAVE PRODUCED 1 CRORE CYBER SLAVES OR I.T. LABOUR WHICH IS HIGHLY UNDERPAID ANDBOVER EXPLOITED
As an Indian I agreed about hygine problem but why u say that here is lack of culture? Also mayebe to make video he sitted on his employers seat 💺 ( also my English is very weak)
This guy talks no shit. Each answer he has given is precise and accurate. Even at the begining of interview he walked out of public space so his team should not be distureb.
@@delwin5433 It works fine, but if you prefer to have a good ATM network and better services, then go with the bank affiliated to your university or any other major bank, such as Chase, etc. I keep zolve debit and bank account as my secondary account.
Millionaires paying in cash? I was working professional in India when I travelled to US I was able to use HDFC CC this is like 2010, I find it hard to believe people having money are using. But whatever, Congratulations 🎊
In order to create a normal account in their app, for working professional who is traveling to US on H1B it is asking for US employer details. In that list they have very limited list of companies associated. How can other professionals create the account?
Can you do a credit cum debit card (CCDC)? 1. SBI CCDC? 2. CCDC CAN BE ISSUED BOTH BY YOY AND SBI OR YOU ALONE 3. ALL BANK CARD RELATED WORKS ARE DOWN LOADED TO YOU 4. ALSO AN ALL BANKS INTEGRATED CCDC 5. HOW FEASIBLE THIS (SOMETHING LIKE UPI ATM ORULTO PLATFORM ACCESSIBLE MULTI PROFUCT) 6. CCDC ALSO CAN HAVE UPI APPLICATION
No. It is not the same. I am one of the early users of zolve CC. You have visa card in India based on your credit history in India, when you use that card outside India u have to pay absorbent charges to the Indian bank which has provided you the credit card. So what zolve does is provided u an US CC based on India Credit History. That's super useful initally.
I appreciate your post! My okx wallet holds USDT and other coins and I’ve got the seed phrase :(proof inner hobby bounce blouse able donate virtual luggage cart morning ticket). Could you explain What's the best way to send them to Binance?
apne yahi to nahi bataya ki CSE IN USA me konse months me applay karna hota hai and konse months me collage start hoti hai, after state board result to April me atahai to tab applay karna hoga to fir kese sabkuch rahega iske upar video bana plz.
Dear Harnoor, Please stop these paid advertisement. We didn't sign up for this! These startups are inviting and paying you, just to target the students moving or planning to move to the US. You are in this students career /counseling industry, please show some credibility. Don't be such a EASY shop!!!
Its good and all but isn't this was promotional video targeting indian's going to US / other countries . I believe ethically or by law you have to put banner that its promotional video but not sure , if any body know's please comment whether that is needed . Maybe I am ill-informed . But great and information rich video though.
Founders innovative mind, Enterprenurial skills, problem solving attitude, down to the earth nature, the teams spirit to work for a a common vision and mission was amazing. Got many things to learn.
Thanks to the interviewer for His efforts.
Great inspiring one from 0 to 200 million dollar company solving an immigrant issue! Thanks Harnoor for this video ♥️♥️
In simple words, they created and registered a bank in America 🎉
😂eassy and very simple statement to understand whole part 🎉
In today's world it doesn't matter how much money you raised, the thing which matters is the company's impact, profitability, returns to investors, visionary founder...
And the ability to think long term bcz the market reward richly who think about long term and raising this much in this much doesnt make you a successful startup.
Have you build anything. If not STFU
Broo even raising money is hard dude , first you try and then say
@@starX7995yup they are thinking it has home loan
@@starX7995 Completely agree with your point brother but Today's startups are perfect examples of how they have raised tens and hundreds of millions of dollars in a hour or so time !
Even the industry titans in the VC sector have said this about today's AI startups like how much money they have raised no matter how shitty their business ideas are !
And in the video its an Indian startup and as an Indian I know how Indian startups like to burn investors money and how they are struggling to become profitable ! Only a few are there in India who have made some of the biggest startups and they were hugely profitable !
And in future if I had to raise for (as u said) a startup, I would never raise a single penny !
I would rather be bootstrap and raise from crowdfunding !
@@starX7995 Take BYJU's downfall as an example. What a hype that was.
"Wow, this is an inspiring story of Zolve's journey! Creating a $200 million company in just 6 months is incredible. Their solution for international students is much-needed and impressive. Kudos to the team and their dedication! 💪👏"
just get investors money if you have good education
@@Brodragon2225 🤑
Is this comment generated by chatgpt
@@Brodragon2225 investor se bhi paisa bhot mushkil se milta hai
Ridiculous valuations with zero profit. Get inspired from PROFIT making companies.
Harnoor, this is so interesting, I moved to USA from Canada just 3 weeks back, and this makes so sense.
My OCD after seeing his collar ⬆😭
😂😂😂😂
When awkwardness is in your DNA ☠️
😂😂😂
I deliberately want to fix that
😂😂😂😂
☝️🇮🇳☝️🕉️☝️ Awesome achievement. Incredible BENGALURU. Jai Hind
💯
We need start ups to build more toilets
@@parnamsaini4751 we have 20million toilets but mslims want to do open defecation.. Like their rasgulla
When I arrived to the US in 2006, I got something like a 'secured credit card' from a Bank to build my credit history. Secured credit card works on your deposit (just like a debit card). So, never had a problem building credit history. But, there is always more than one way to solve a problem. I think Zolve did it elegantly.
In 2000 got CC from DCU and by 2001 had about 5 or 6 cards without any history and got unsecured loans, some with 0% interest for first 12 months. US Govt made laws around 2004 making hard access to credit market. Things changed after that.
But might be u have social security number therefore u got it but if you haven’t ssn just like me ....can u guide me the process to build credit history in usa without ssn and ein
Things have changed now. There are alternate providers who use the indian credit card history to provide you a credit card in US. Zolve is not necessary very friendly in their customer relations. A lot of the questions go answered if you happen to contact. Like you have a bank account with a non descript credit union in US is mandatory. You don't get a credit card without that. While no belittling the novel concept which Zolve promotes, some alternates have emerged now.
This is mind blowing content this is why you will succeed in TH-cam keep making amazing educational content like these
Iam very impressed they identify the long standing problem and solving with simple solution and in very short span of time great they just tapped international markets just like that it's wow movement for me.
Great Motivation
Harnoor's interviews are always so funny lmao
I don't agree, a low-risk business in one country doesn't actually translate to a low-risk business in another country. Once you start to consider the geo-political frontiers the risk automatically becomes vague. Consider this, you invest some of your capital in a biz subsidiary in a country your choice, tomorrow the govt of native country comes up with an initiative to increase import duty on a critical component that your subsidiary relies on. Now had this happened in your own country, you could have lobbied for easier policy by you as a foreign investor have much less say in the workings of sovereign nation. The entire investment becomes waste. This is not some hypothetical scenario, it is very much real and something along the lines has happened with Cairn India(as a result they exited India but not without a huge loss).
Informative video ❤❤
Inspiring video ❤❤
Keep up the good work. Love your everyday dedication and effort.. 👍
Its a good interview with good knowledge
superb interaction Harnoor. Kudos!
This video make to build a startup thanks you brother for this valuable interview
One thing that you missed in the video is Credit card fraud. Solve is very poor when it comes to tackle credit card frauds. Once my Solve credit card was stolen, I reported to the team and they gave me very poor answer that was to block my credit card and wait for further assistance. After 3 whole months, my issue got resolved and I was able to use it again. The worst part was, I was reporting a transaction worth just $129.75 and it took whole 3 months to get resolved. So eventually I have had stopped using Zolve at all because of poor assistance from the team whereas American Banks resolves within 3 days. So you had to ask how they tackle these kind of issues. Thanks. 🙏
Bro is it ok for the zolve credit and debit card for the first time in USA if I wanted to open my first bank account is it good to opt zolve❤
U can have a debit card literally the day u open ur bank account once u have ur SSN.
I never carried cash in the US even in the 2001 when I was a student!!😮
True, but Zolve offers you credit (unsecured loan).
They are solving a very interesting issue and kudos to it.
WE DON'T HAVE OUR OWN OS / OFFICE SW/ WE DON'T MAKE SERVERS...BUT WE HAVE PRODUCED 1 CRORE CYBER SLAVES OR I.T. LABOUR WHICH IS HIGHLY UNDERPAID ANDBOVER EXPLOITED
That's it. Just copy a US based business and bring it to india. e.g. Uber vs Ola, Amazon vs Flipkart, Mercury vs Zolve, etc.
That's why they can't create companies like WeChat or Tik Tok.
@@hanfucolorful9656 agree
If this continues then India can never defeat USA and only become Rank 2 or 3 country
copying a business model is not a sin😅
Wow too 👌👌video expecting more such videos
Amazing content 👌👍
He left his seat with laptop unlocked... clear lack of security hygine and culture...i wonder how much security is there for customer data
As an Indian I agreed about hygine problem but why u say that here is lack of culture? Also mayebe to make video he sitted on his employers seat 💺 ( also my English is very weak)
It’s a start up
Hey sir since you are in Bangalore currently let me know if you want to also come and interview our founders of fampay
😂
Amazing Video bro
Great video / interview
Hope they solve these challenges, and make it a more reliable company.
This guy talks no shit.
Each answer he has given is precise and accurate.
Even at the begining of interview he walked out of public space so his team should not be distureb.
Great Raghu 👍🏻
Nice brother ❤
One of the best vlog ❤😂
Quite Insightful
I was interested in knowing how they breach this problem of an absence of a Credit History in the target country.
It’s really impressive
There are international credit card provided in India, what are the drawbacks of using that?
Tbh, I got no SSN credit card in US. Amex, Deserv, etc.. No issues
Foreign exchange rates and charges are applied. Hence, expensive.
Bro is it ok for the zolve credit and debit card for the first time in USA if I wanted to open my first bank account is it good to opt zolve❤
@@delwin5433 It works fine, but if you prefer to have a good ATM network and better services, then go with the bank affiliated to your university or any other major bank, such as Chase, etc. I keep zolve debit and bank account as my secondary account.
Idea of getting market for product 👍❤
Millionaires paying in cash? I was working professional in India when I travelled to US I was able to use HDFC CC this is like 2010, I find it hard to believe people having money are using. But whatever, Congratulations 🎊
Amazing best content
In order to create a normal account in their app, for working professional who is traveling to US on H1B it is asking for US employer details. In that list they have very limited list of companies associated. How can other professionals create the account?
That is their security for providing Credit loans ( which is unsecured ) 😊. The problem is partially solved . Nothing wrong in it.
WHEN WILL INDIAN GOVT MAKE A POLICY TO STOP BRAIN DRAIN AND REWARD R&D IN INDIA ITSELF
Your American Express credit history can be transferred across borders
But most vendors don’t accept AE bcoz of commission is high
@@mA-fd3vu just apply one and use it wherever your Amex is accepted? In anyway it’ll help you transfer your credit when you move abroad
Bengaluru 👍
Can you do a credit cum debit card (CCDC)? 1. SBI CCDC? 2. CCDC CAN BE ISSUED BOTH BY YOY AND SBI OR YOU ALONE 3. ALL BANK CARD RELATED WORKS ARE DOWN LOADED TO YOU 4. ALSO AN ALL BANKS INTEGRATED CCDC 5. HOW FEASIBLE THIS (SOMETHING LIKE UPI ATM ORULTO PLATFORM ACCESSIBLE MULTI PROFUCT) 6. CCDC ALSO CAN HAVE UPI APPLICATION
It's Excellent
If in India I have visa/Mastercard and I am using it in US for payments. How is this different from zolve ? Is such solutions not at present ?
No. It is not the same. I am one of the early users of zolve CC. You have visa card in India based on your credit history in India, when you use that card outside India u have to pay absorbent charges to the Indian bank which has provided you the credit card. So what zolve does is provided u an US CC based on India Credit History. That's super useful initally.
prava colar thik jaan kai nahi kitta , nvm amazing content
Brother, I am planning to come in January 2024 for study in US can I apply loan application before with Zolve ?
Undergrad?
Anyone else noticed that Raghu wearing smartwatch ⌚ in both hands !! 😅
One for us one for ind....
Nov good stay blessed
Money attracts money ⛳
Hello Sir, As you are software developer , please tell me once my imp. Pdf deleted , any how its recover , please help!
I appreciate your post! My okx wallet holds USDT and other coins and I’ve got the seed phrase :(proof inner hobby bounce blouse able donate virtual luggage cart morning ticket). Could you explain What's the best way to send them to Binance?
bro i have a question why do more startups will be done in banglore
They'll get all facilities
Your health is improved in India
Because AI is there what do you expect in the future about industries. Including education. How will things progress.
Yes new india ko apna business hi karna chiye job ke chakr main nahi 10 20 log milkar apna startups open kar lo
I work in the next building, I would have met you there. How do we get live updates? any meetup plan in Bangalore?
Awesome
Bhai same more vlogs 🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥🔥
apne yahi to nahi bataya ki CSE IN USA me konse months me applay karna hota hai and konse months me collage start hoti hai, after state board result to April me atahai to tab applay karna hoga to fir kese sabkuch rahega iske upar video bana plz.
Blockchain brings trust & security second to none.
His shirt collar is provoking my OCD
Even I am also a proud Alumni of NITK Surathkal
amazing
I can make money that people can only dream of and reach an audience at scale by starting a TH-cam channel.
Harnoor please update your camera and video graphics quality.
Dear Harnoor,
Please stop these paid advertisement. We didn't sign up for this! These startups are inviting and paying you, just to target the students moving or planning to move to the US. You are in this students career /counseling industry, please show some credibility. Don't be such a EASY shop!!!
I don't see it in Canada.. its very much needed in Canada.
Impressive company
Are you also looking at his wrist, why two watches?
please plan a Bangalore meetup
Raghu is the person who started taxi4sure and exited with xxxxxx returns
Why he is wearing two watches
I am based in US would love to connect with Raghu
Love to see our office campus. I work in State state corp in the same building. Thanks for video
Its good and all but isn't this was promotional video targeting indian's going to US / other countries . I believe ethically or by law you have to put banner that its promotional video but not sure , if any body know's please comment whether that is needed . Maybe I am ill-informed . But great and information rich video though.
Jaihind.....
whoever solves the issue they win in biz.
What is humbleness in open cabin 😢
How to do promotion without doing promotion!
Word of mouth promotion
Nothing will start from 0
Fact 0 * 1000 = 0...
My daughter is started bba please help next mba scholarship programs lived in amritsar
How is this different from Niyo?
Sir mai polytechnic machanical se hu mujhe computer field me aana hai mujhe course kaha se lu
He's an alumni from my college
No body literally nobody
.
..
Me - why the founder wear two smart watches in both the hands 😂
US/India time😂
Good Observation bro
Kapde to sahe peahen lete bhai. This doesn't look good as per office visit.
europe or usa for study?
Europe
Europe is low cost and barrier to move in and out is easier. Focus on flexibility rather than monetary returns..
Big building with empty minds : indian start-ups situation
11:30
soch rha tha agar harnoor india mei reh jata to idar tak phuch pata
Why not in uk?
Toh ilye US ki company kasa hui?????
He started in usa
BHAI LOVE YOU BUT YEH KYAA PHENA H AAPNE🤣