How a Nepali Entrepreneur Is Building a Global Bank | Changing How Emerging Economies Move Money

Highly regarded in the entrepreneurial ecosystem for his unfiltered perspective on business, Bal Krishna Joshi has spent more than 25 years building companies, financial systems, and technology infrastructure across multiple markets. While much of the startup world celebrates rapid growth and overnight success, Joshi speaks about something far less glamorous: surviving failure, navigating uncertainty, and staying in the game long enough to matter. This conversation is not about startup hacks, fundraising tips, or motivational slogans. It is about the realities of entrepreneurship and the decades of persistence required to build institutions that outlast trends. From the future of AI and global banking to the shifting geopolitical forces reshaping economies, Bal Krishna Joshi explains why the next decade will create unprecedented opportunities for countries like Nepal but only for those prepared to think bigger than short term wins. Bal Krishna Joshi has built quietly, failed, adapted relentlessly, and continues to challenge conventional thinking. This is not an inspirational success story. It is a blueprint for builders, a warning for complacent economies, and a challenge to anyone who believes the future will arrive on its own. TIMESTAMP 00:00 Intro 07:34 – Banking & Payments Have Too Many Middlemen 16:26 – How AI Amplifies Human Potential Instead of Replacing It 26:24 – Balancing Health While Building a Business 41:18 – Bal Krishna Joshi on His Purpose in Life 55:26 – What Is Programmable Banking? 1:09:02 – Evolve or Get Left Behind in a Fast-Paced World 1:18:37 – What Would You Do With Unlimited Liquidity? 1:29:11 – The Formula Behind Global Equity Fund's Success 1:39:59 – Why F1SOFT's EPS Is Setting a New Benchmark 1:52:51 – The Fine Line Between Innovation and Regulation in Fintech 2:03:59 – The Course of Nepal's Financial History 2:13:12 – Rapid Fire Round Host & Guests: 🎤 Host: Ashitosh Sah CBO, Gokyo Labs LinkedIn:   / ashitosh-sah-91141673   👥 Guest: Bal Krishna Joshi Chairman & CEO, XUNO LinkedIn:   / goatseller   📲 Follow AppMonk: Instagram:   / appmonk.podcast   Facebook:   / appmonk.podcast   TikTok:   / appmonk__   LinkedIn:   / appmonkbyrara   🚀 Rara Labs Building the data layer emerging economies deserve. We design and build secure, scalable, and lightning-fast digital products for emerging markets. 🌐 Website: https://raralabs.com/ 🎬 Production Partner: Viewfinders Production #MonkTalk #Appmonk #KhaltiByIME #Fintech #Entrepreneurship MonkTalk #AppMonk #KhaltiByIME #IMEKhalti #ManishModi #Fintech #DigitalPayments #FintechInnovation #Entrepreneurship #StartupJourney #BusinessLeadership #FounderStory #NepalTech #NepalStartup #StartupNepal #Innovation #DigitalTransformation #ProductBuilding #BusinessGrowth #FutureOfFinance #Leadership #TechForGood #NepalBusiness #EmergingMarkets #Podcast