Ritika Agarwal
@ritika_agarwaah
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Tinkering at the intersection of AI and financial services
Bengaluru, India
Joined March 2021
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most of my friends found their companions not by actively dating, but rather by focusing on 1 person they were mildly interested to begin w
the more we get caught up in distractions, less likely it is for us to explore meaningful depth
good enough is a great place to begin w
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1K
new way my flatmate and I interact.
everytime one of us moves across the living room we make a move.
actions >> words :p
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📍Gokarna
solo weekend trip - an attempt to figure life at 0.5x, just like this shot :)
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once you have worked at a 0-1 startup, everything in life seems less exciting compared to that
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@clearlysid
i think you are thinking only from a consumer lens and not the merchant lens. pos devices are expensive. qr codes are cheap and convenient. dhaniya walas accepting payment via tap to pay would have them incur charges which they might not be prepared for.
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how is
@perplexity_ai
able to fetch content from sites that are not open-source? for example one of the answers referenced a Statista article which is only accessible to paid customers
is it just metadata scraping, or is there something more happening under the hood?
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every time I run, I realise how most of life will be a single player game and you gotta deal w it all alone
getting better at running of late has been synonymous with getting better at life
discovering bits of myself while trying new things is how I want my life to be always
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went for a
@thevirdas
standup yday and could not stop thinking about how some people experience and live a high which most of us can only imagine. life is unfair in the sense that we have to be okay w accepting that we might never live/feel that high during our lifespans.
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how is Narendra Modi always so positive?!
Cause he is Mod(i)
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Holding the wedding invitation of my first ever boyfriend invoked some nostalgia! A great guy (like "most" guys I have dated) getting married to the love of his life - made me so happy 💛
Life seems to have completed a mini circle of sorts lmao.
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waking up as Ambaniji's padosi in Mumbai hits different
mobilises things within you which you didn't even knew existed 🫨
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First time running in a forest and realised how humans are hard-wired to run in/around natural landscapes
nature is unforgiving and it really makes one test their limits
super cool company only made it more fun and humbling:
@jatinsandilya_
@imaadarshgupta
@thesakshishukla
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once the govt decides to push something, there is no looking back
📍IGI, Delhi
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The Blume Ventures Indus Valley report video on YT does not even have 15K views, but my X feed was rife with it soon after its launch (a few weeks back), which makes me realise that things that are hyped in my X-verse are not the ones which most people really care about.
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My Saturday:
-16 suryanamaskars
-3K by the lake at an improved pace
-40 mins at the gym working on my fav muscle group ie back
-have badminton scheduled for 10 pm
No I'm not dealing w a heartbreak. On the contrary have not been more in love before 😂
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the eyecontactship I have w this dude is so so so real
like just be aware of each other’s presence, acknowledge it w no more than 2 seconds of eye contact, and move on
pretty much it. almost every single day
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my unpopular take on
#GFF
:
-on avg quality of folks<<
-many 15yrs+ LMS/LOS cos w no real innovation
-most panel discussions had nothing new to offer
-genai more in words than in action
-fad around ULI w no clarity on how it'd work w AA
-politically correct attitude by execs
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heartbreaks are one of the taxes we pay for a living
living below the income bracket would imply 0 taxes, but no one wants to live below the threshold
imo heartbreaks only make life more enriching
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I have so many fond memories of moving to blr for the first time:
lakes everywhere, dosa culture, staying w college buds, Bitcoin meetups, microflying first date, laalbagh visit, lots of beer, random conv at third wave, first solo trip ever...
Blr is a vibe for newcomers💛
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Completed a chapter of it and preliminary thoughts are this book is not for me
As much as I appreciate what these algorithms have done for human advancement, using them to make critical life choices just does not feel right to me
Uneasiness swept over me in 1st chp itself
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I'll be attending GFF this week and am looking to meeting folks building in
consumer/biz credit (secured, unsecured)
lending infra
GenAI x lending tech
all things Account Aggregator
asset claim space
lending x insurance (coffee on me for this)
Feel free to DM and let's catch up
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The haweli right there is the one where my forefathers stayed in. It’s located in a small town in Rajasthan.
It feels surreal to lay eyes on something like this.
This place will now be used by the Govt to construct a hospital.
That’s both nostalgia and pride kicking in!
🩵
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@ayushpranav3
thats also exactly the time to leave india in search for your soulmate in the Amazon 😂
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I like it when I let my guard down w someone. it's freeing because i almost always end up realising that vulnerability comes from a place of strength. instead whenever i try to "act" strong, i almost always end up feeling bad for not having the confidence to be myself
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I was going through my Goodreads, and here are some of my >4 star rated books:
-A man called Ove
-The Brain by David Eagleman
-The ride of a lifetime
-Man's search for meaning
-The Da Vinci Code
-Metamorphosis by Franz Kafka
-The Kite Runner
-Anxious People
-Lean In
-Shoe Dog
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Spent the last day of FY’24 w Q4 updates from life, love, and beyond. Also spent some time reminiscing the SL trip and planning another one next quarter, hoping for it to be smacking AF!! Our fiscal responsibilities are clear to us! 🩵
@yavanika_shah
#WeMetOnTwitter
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if your heart is not in it you'll not be able to sustain long
learnt it the hard way
applicable in every aspect of life
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I think having that one person who really believes in you even when all the odds are stacked against you makes a LOT of difference!
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different shades of sky and life as experienced by my terrace and heart respectively 🪂
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simple Sunday goals:
-prepare breakfast for my flatmates, our avocados are finally ripe
-do yoga for endurance
-make double egg omelette
-journal a few of the many unprocessed thoughts
-evening walk and sunset from the terrace
-brainstorm work stuff w a friend over video call
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perfect Schrodinger comment (compliment/roast) does (not) exist
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it took me a long time to understand that seeking a companion, and seeking a person you get absolutely gaga over, are two completely different things.
I think the gaga person would naturally make a better companion.
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@malikgarv
it has become a popular addiction where people want a partner to feel more socially inclusive. it's not really a necessity imo, but having a right partner can make life truly wholesome+joyous. but not having a partner is anyday better than a wrong one who can make life miserable
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Today's 5K views :)
while
@somanived
optimised for running faster (sprinting + walking), I optimised for not taking any walking breaks
focusing on one key optimising metric is so empowering
notwithstanding anything, you tell yourself to achieve it
builds character :)
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planning a game of sudoku today at 11 pm. who is interested in competing?
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we have ~130000000 demat account holders and 1300 Registered Investment Advisors in India.
let that sink in
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Can someone pinpoint why Juspay is struggling to make money? is orchestration as a business not fundamentally sound? Or is Juspay doing something wrong? looking to have an open-minded discussion
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your partner is going to influence your choices so much. difficult to imagine a companionship where one person wants to travel the world and the other wants to change it
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A writer’s memoir (and that too Murakami), centred around one of his lesser known passions - running.
Life is extra good when I chance upon such discoveries.
Read 30 odd pages, its beautifully written. 🫶
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we leave a part of us w every place we leave behind (or at least that is what I’d like to believe)
after having lived my dream of staying w my college friends, it’s time to finally say goodbye to this place and moveon
onto better things ✨
(video from X’mas 2023)
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A library date if my date is pretty cause I'd want to adore them in silence, and a museum date if they are smart cause I'd want them to educate me with all the gyan they have. I'd go for both if they are both :p
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humans need challenges to thrive. the feeling of getting incrementally better at “something” makes like beautiful
of late I have realised that, that “something” is what defines most of our lives
for example it could either be perfecting catching a wave or building a company
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in case anyone is interested in bringing the fab fab OG Mysuru dose to Blr, here is your opportunity do reach out to them 🫡
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Have been playing around w Gemini for bank statement OCR, but did not have much luck. The model worked very well on a simple one-pager statement, detected all the txns correctly and was able to generate high-level insights accurately. It failed on statement w >1 pages
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i made such nice friends on
@X
last year -
@somanived
(my running partner),
@Yavanika_Shah
(my gossip girl), and
@lohit_rm
(tech, swim partner).
why has this year not been as kind.
@X
do your magic, send beautiful humans my way ✨
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knowing not how to cook is a blessing in disguise cause you end up preparing low maintenance super healthy stuff like
avocado toast
cheese omelette
whey banana oatmeal
kiwi watermelon salad
mango parfait
sauteed tofu mixer
etc, etc....
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during dinner w a friend last night she mentioned how she wakes up everyday at 6 am for French lessons
was so pumped hearing that I finally managed my first ever early morning run today
its a choice which signals one wants to be inspired by
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I sometimes wonder that why did I wait so long to do something so obvious. like the current me almost always is baffled at the older me for being ignorant of pretty obvious cues
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having goals which can be certainly achieved w planning and discipline has helped me a lot in navigating personal and professional uncertainty. these time-bound realistic goals act like anchors in the otherwise unpredictable journey which life is
ex: running first formal 10K
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got my suitcase in under 2 minutes of standing in front of baggage reclaim, good day to ask my crush out it seems :p
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the blue bubbles represent me third-wheeling with my best friend and his girlfriend 🥰
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my third time watching this. sort of has become an annual ritual since 2021
Joe Rogan + Naval
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i was going thru the PnL of a few SaaS companies:
-comp 1: rev 2x, employee benefits (eb) 3x last yr. eb almost = rev
-comp 2: rev 2x, eb 2x over 3 yrs. eb = .8rev
cant digest team cost scaling as quickly as rev
ps: these companies sell to banks/nbfcs
DM for detailed
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ofcourse I clicked it after the movie because ofcourse Dune 2 did not have an intermission ofcourse 🤷♀️
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looking for a female flatmate to move in a semi/unfurnished 2 BHK in HSR layout from 15th of June. DM for more details.
RT for karma pls!
@BangaloreRoomi
@peakbengaluru
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If you are a KKR fan like me (or can pretend to be one) DM to join. 💜
SRH fans can DM as well :/
Hosting a IPL Final watch party with
@ritika_agarwaah
in 4th block Koramangala!
Have a few spots open. DM if you want to join :)
#SRHvsKKR
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Remember how we used to write essays on "Myself" in primary school?! I wonder why it was limited only to primary school.
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would someone be interested in participating in a journal club? For context, in a journal club, people (usually academics) come together to read and tear apart scientific papers on a variety of topics
we would try to bust misconceptions that get in the way of healthy living
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some days it takes twice the effort to produce the same output but views like these and friends like
@somanived
make it all worth it
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recently finished reading this book called "Attached" and my take on romantic relationships have take a whole new turn.
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bas Indian Railways jitna optimism chaiye life mai 💛
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Took a train in Sri Lanka from Kandy to Colombo. It was the last day of the trip and I could not have asked for a better ending. I made a new Sinhalese friend who had beautiful and kind words to say about our little interaction. It feels incredible to have made someone feel nice.
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my eyecontactship sent me a request on Hinge.
What are the odds!
It’d be an interesting love at (first) sight story
should I accept it 🤔
the eyecontactship I have w this dude is so so so real
like just be aware of each other’s presence, acknowledge it w no more than 2 seconds of eye contact, and move on
pretty much it. almost every single day
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I have not been THIS excited about something in a long time.
I'm going to watch a live cricket match todayyyy w my cousins and ngl this already feels like the best day of the year so faaaar.
I'm gonna document my experience post match 🌻
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I was speaking to someone who works on the lending team of a leading FinTech. They recently tested the AA flow on a small cohort of users and realised that almost everyone got rejected. We were brainstorming about the possible issues, and this is what I feel could be happening:
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a goal i started w this year was to do more of what I have thought/said
being in harmony w actions and words has gone a long way in boosting my self-image
there have been slip-ups, but the gap has certainly narrowed
knowing i can rely on my words feels like a superpower
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📍Kappa Chakka Kandhari
Meals as elaborate as the name.
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spoke to someone who moved to India after staying in US for 10 yrs. what a delight it was listening to her experience w UPI, sending stuff w Dunzo, the Zepto convenience, e-commerce RTO.
the only second order prob is she has to manage more ppl: cook, delivery guy, driver, etc
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looking for 2 tickets to the KKR match in Chennai this Monday. twitter help
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nothing like the consistency of that one person who likes your IG stories every.single.time 😋
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tier 2 gyms got a different vibe altogether! Match them if you can?
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Today is world dosa day folks.
Dosa is the best dish, and today is the best day!
Go get em!!
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and maybe trying to fit in was where it all started to mess up
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just the kind of dosa I love
thin, crispy, non-Rameshwaram kind w not a lot of oil/ghee
chutney and sambar were on point too
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“I think certain types of processes don’t allow for any variation. If you have to be part of that process, all you can do is transform-or perhaps distort-yourself through that persistent repetition, and make that process a part of your own personality. Whew!”
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born a hopeless romantic will die as one and no this world ain't/can't take that from me
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dating apps represent a reductive abstraction of someone so much more. people are much more than their 5 best pictures.
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the feminine urge to ask my dad to marry me off to a rich guy so that the only thing I have to worry about in life is to how to be my best trophy self 🏆
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I have been feeling a deep-rooted hatred towards something/someone, the kind I have not felt in my life before.
As much as I'm aware of how unhealthy it is, I am unable to let it go. I wish I could just wipe it off and replace it with sheer nonchalance.
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1
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every time I’m asked to pay for the extra kilo in my checkin baggage, I wonder why does airline not charge people based on how much they weigh
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i want lays to launch an assortment of all its flavours in a single pack plssssss
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there has to b some correlation between how intelligent someone is with how unsure they are of themselves. not sure if this correlation breaks after a certain threshold but worth understanding
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one thing which has not changed over the years is the sales agent of a pharma company waiting outside the doctor's chamber.
every. single. time
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most of today was spent reading 200+ pages of this simple yet deeply deeply poignant book.
what a heartfelt Saturday.
if not this, we live for what!
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