TL;DR
Neobank Fi Money (formerly Fi) is significantly shifting its focus from a consumer-centric banking app to an AI-led B2B fintech provider. Facing high customer acquisition costs (CAC) in the retail segment and a funding crunch, Fi is now white-labeling its financial management AI and credit-scoring engines for other banks and enterprises.
Vichaarak Perspective
Fi’s pivot is the "B2C White Flag" of the 2026 fintech era. The retail neobanking dream in India has hit the wall of high regulation and low ARPU (Average Revenue Per User). By moving to B2B, Fi is admitting that owning the consumer relationship is too expensive, but owning the "plumbing" (AI engines) is where the real margin lies. This is a classic "Sell Shovels in a Gold Mine" strategy. However, the B2B space is already crowded with incumbents. Fi's survival depends on whether its proprietary AI can offer a measurable 'alpha' over traditional banking software.
Schema-ready FAQ
- Why did Fi Money decide to pivot? Primarily due to unsustainable customer acquisition costs (CAC) in the retail market and the need for a more profitable revenue model.
- What are Fi’s new B2B offerings? They are offering white-label AI tools for financial management, automated savings engines, and data-driven credit underwriting for other financial institutions.
- Is the Fi consumer app being discontinued? While the app remains active for existing users, future capital and engineering resources are being diverted to the new B2B AI business unit.