How Tech is Reinventing Banking

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Raoul Pal sits down with Lalitesh Katragadda, founder of Indihood and former Google engineering leader, to explore how the crowdsourcing principles that built Google Maps can unlock global coordination, financial inclusion, and new internet-scale platforms. From AI agents and declarative systems to decentralized banking in India, this conversation lays out a bold vision for technology that finally works for all eight billion people. Recorded December 19, 2025.
Follow Lalitesh on X: @KLalitesh

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Timestamps:
00:00 Sponsor & Channel Update
01:05 Introduction & Guest Overview
03:26 Google Career & Early Engineering
07:04 The Global Mapping Problem
09:15 Google Mapmaker & Crowdsourced Coordination
14:56 Leaving Google & The “Next Billion” Mission
18:21 Crisis Mapping & Real-World Impact
21:15 Building Population-Scale Systems
22:32 Declarative Systems & Agent Coordination
28:25 Deterministic Systems vs Neural Nets
32:12 A Coordination Layer for the Internet
33:20 Building a Bank in India
35:42 Avanti Finance & Rural Lending at Scale
41:42 Indihood as a Platform Generator
45:17 Crashing Costs & Scaling Affordably
48:01 One Platform, Many Use Cases
50:08 Startup-in-a-Box & Rapid Evolution
54:08 Open Networks & Shared Ownership
59:33 Community Governance & Decentralization
1:03:00 AI, Ethics & Living Systems
1:08:39 Vision, Optimism & Closing Reflections
1:11:17 Final Sign-Off

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