Today’s Gen-Z is more financially exposed than any previous generation, but also structurally unequipped to make sense of it. They scroll through Instagram Reels on IPOs, binge-watch finance podcasts, and follow influencers with millions of views on market trends. And yet, ask the average 20-year-old about credit scores, risk management, or how brands actually make money, and you’ll find more confusion than clarity.
This isn’t a failure of curiosity. It’s a failure of structure. The internet has democratized exposure, not comprehension. The language of finance, markets, and brand-building remains cryptic unless one already belongs to the elite circles of commerce or capital. Gen-Z isn’t short of interest; they’re short of translation mechanisms that bring the world of finance closer to lived experience.
That’s the gap Finties is designed to fill. 
Why Finties Matter?
India is on the verge of a decade of economic acceleration. Having a median age of only 28 and a digitally born youth population, it can reap the rewards of what economists term the “demographic dividend.” But the dividend is converted into debt when the youth are under-informed, over-leveraged, and unaligned with the way the economy operates.
Financial tools are ubiquitously credit cards, UPI, BNPL apps, mutual funds, and crypto wallets. But tools without training are a risk recipe. Today’s 21-year-old can have a trading account faster than a bank account, yet has not mastered inflation, taxes, or credit discipline.
Meanwhile, the socio-emotional climate is no less daunting. Social media relentlessly exposes teenagers to aspirational content about a luxury lifestyle, startup entrepreneurship, and high-growth investing advice, all formulated for engagement rather than learning. Outcome? A generation that’s financially connected but emotionally bewildered.
Unsecured borrowing among Indian youth is increasing. Peer pressure is increasing. Anxiety is normalized. Financial independence, once defined by long-term security, is now defined as a rat race of more, sooner.
This is not a plea for Gen-Z to step back from financial instruments. It’s a plea for preparing them to handle those instruments with skill, context, and control.
Backed by the research-first mindset of TIES India, we blend rigorous analysis with swipe-native storytelling, which works best among the new generation.
Not Just Another Fintech. A Financial Culture Movement
There is no shortage of fintech platforms in India. Yet most are built to capture value, not create it. They monetize transactions, optimize UIs, and race to customer acquisition, but few ask whether users actually understand what they’re doing.
FinTIES flips that model. We start with education, not extraction. Our goal is not to make users click faster; it’s to help them think better.
That’s why we don’t call ourselves a fintech app. We are building a financial culture platform, one that helps young Indians develop financial intellect, economic curiosity, and strategic clarity.
Imagine a Gen-Z that knows how to audit a D2C brand’s strategy, understands the compounding effects of SIPs and self-respect, and can analyze why a startup failed or scaled. That’s not a fantasy. That’s a function of the right frameworks, delivered in the right format.
Where are we headed?
Built with a mindset of scaling from social media to smart, applicable fintech products. Here’s what you can expect.
Coming Soon:
1. Interactive Simulators for risk, debt, and career money mapping.
2. Research-backed playbooks on investing, freelancing, credit strategy, and behavioural finance.
3. Gen-Z Finance Atlas: Our flagship, crowd-sourced manual for India’s most misunderstood money problems.
& more.
The Bigger Vision: India’s Youth, Empowered with Clarity
As the world moves faster, driven by algorithms, AI, and attention, clarity becomes a superpower. At FinTIES, we are not trying to go viral. We are trying to build long-term trust with a generation that has every reason to be skeptical.
We envision a future where finance isn’t gatekept by jargon or restricted to business school classrooms. A future where 19-year-olds debate unit economics, where first-time earners negotiate salaries confidently, and where personal finance is not a panic attack, it’s a toolkit.
In short, we’re not here to ride the fintech wave.
We’re here to redefine it, from the ground up.
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📬 Partner, collaborate or recruit: hello@tiesverse.com
