
"Most of the wallets and PSOs in Nepal run on our platform, and nobody knows about us."
In this episode, we sit down with the founders of One Point, the "invisible backbone" of the fintech industry. While you might use eSewa, Khalti, or Fonepay every day, you probably didn't know that the middleware making those transactions possible is often powered by One Point.
From the high stakes "last minute" launch of Nepal Payment Solution (NPS) to implementing world first banking technology in countries like Jordan, Myanmar, and Cambodia. This conversation is a masterclass in building a global tech product from Nepal.
In this episode, we talk about
-The "Dirty Tech" Philosophy: Why building unglamorous middleware is a million dollar idea.
-Going Global: How One Point successfully entered diverse markets across Asia, the Middle East, and Europe.
-The Open Banking Revolution: Why the future of finance isn't just an app, but a connected ecosystem.
-Pricing for Disruption: How One Point provides 5x more value at a fraction of the cost of global giants.
-The DIY Platform: Why the best enterprise software is the one where the customer never has to call support.
Timestamp
1:12 — How OnePoint Got Its Name
3:19 — From fax based to digital remittance journey
6:13 — Even the central bank couldn’t give clarity
13:03 — Story of how ATM was hacked
15:57 — COVID was blessing in disguise
20:09 — How pricing was set for their product?
24:02 — Almost every Nepali banks are using our middleware
28:20 — What is open banking?
36:14 — The Role of Regulators in Open Banking
46:32 — How similar/different is open banking from embedded finance
51:29 — Type of tech companies in Nepal
53:43 — Implementing technology that is not accepted in Nepal
1:00:49 — Future plan of Onepoint
1:01:29 — Our best customer don’t call us
1:03:59 — The only company in Nepal
1:05:27 — One of the few Nepali companies to be Gartner listed
1:10:47 — There is no AI without API
1:12:59 — How much do Nepali banks pay you?
1:18:58 — Team of 15–20 people that aim to serve 100 international organizations
1:23:30 — Nepali population adapts technology fast
1:24:42 — Suggestion to policymakers from the executives of Onepoint
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🎤 Host: Anup Ghimire
Founder of The Doers
LinkedIn: https://www.linkedin.com/in/anup-ghimire-9366aa5a/
👥 Guest
Shree Pratap Shrestha
CEO, OnePoint Financial Services
LinkedIn: https://www.linkedin.com/in/pratap-stha/
Bikram Duwal
CTO, OnePoint Financial Services
LinkedIn: https://www.linkedin.com/in/bikram-duwal-9a287aa3/
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