9 JANUARY2026For Sarika, 2025 brought key lessons about adaptability and resilience. Key Learnings in 2025My biggest learning in 2025 was that compliance is not a constraint, it's a moat.When the RBI banned credit card rent payments through third-party apps in September, it tested the resilience of the entire ecosystem. For us at RentenPe, staying deeply compliant with regulations ensured continuity and helped us emerge stronger, and even become the only platform still offering credit card rent payments. Building in a regulated space demands patience, precision and conviction. Shortcuts may deliver speed, but only trust sustains scale. This year reinforced my belief that long-term value is created by respecting regulation, earning stakeholder confidence, and staying committed to building responsibly.Sarika's 2026 Vision is to Scale with Substance By 2026, my vision is to make rent count for those millions of renters who are still outside the credit ambit. I want to make verified rental behaviour a mainstream credit signal in India. Over the next year, my focus is on scaling with substance: building compliant rent rails, earning trust across landlords and tenants, and simultaneously working closely with banks, credit bureaus, housing societies and insurers to institutionalise rental data. The goal, for me, is simple. But it is ambitious. The idea is to unlock fair, timely access to credit for millions of credit-worthy renters who diligently pay rent on time, despite which they are still excluded from the credit ecosystem, and help shape a more inclusive, behaviour-led financial ecosystem. and former CXOs from scaled startups, resulting in fewer but larger and more concentrated bets. Equally important was founder adaptability: as the narrative shifted from growth-at-all-costs to sustainable profitability, many founders recalibrated successfully. Finally, the investor base broadened, with Indian family offices increasingly participating in late-stage and pre-IPO rounds, reinforcing the ecosystem's depth and resilience.Neha's 2026 Vision for Tracxn & Beyond My vision for 2026 is centered on building depth, speed, and inclusivity across the ecosystem. I'm particularly excited about how AI is accelerating Tracxn's journey toward becoming a truly global data powerhouse, compressing timelines dramatically, where products and datasets that once took months to build can now be launched in days. This step-change in capability opens up entirely new possibilities for scale, coverage, and insight quality. Beyond technology, I hope 2026 marks a visible shift in leadership diversity: more women founders starting and scaling companies, more women stepping into CXO roles, and more women-founded companies reaching the public markets. That combination, AI-driven execution velocity and a broader, more representative set of leaders, would not only strengthen the ecosystem structurally but also make it more resilient, innovative, and globally competitive in the years ahead.Sarika Shetty, Co-founder & CEO, RentenPeShe is a seasoned social entrepreneur with over 20 years of leadership in the luxury automobile sector, now leads rent payment platform, RentenPe.
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