Atul Goyal

Stoic, human. Forever learning. Currently Product @Mobikwik. Founded @mywanderlust_in @talktoallie.

[Atul Goyal @Atulgoyal]

Had an amazing time exploring Kerala 🌴.
Few shots from the 1+ month spent there. No wonder it's called Gods Own Country! ❤️

#IncredibleIndia #GodsOwnCountry #Travel #India

[Atul Goyal @Atulgoyal]

@bcherny The end result, consumes tokens way faster than 4.7 as it tries to course correct.
Switching back to Opus 4.7 for now.

[Atul Goyal @Atulgoyal]

@bcherny Opus 4.8 is tripping too much:
"The "modified since read" errors were self-inflicted"
"And to be doubly honest: the "corruption" I panicked about earlier never existed either"
"No — I had it backwards."

Also, going radio silent often after simple operations.

[Atul Goyal @Atulgoyal]

@Google Gemma 4 performance is much slower for text tasks!
Is it because you added multi modal capabilities taking the model size much higher?
To me it is worse off for end user devices unless someone is using a multi modal use case. Can you release a text only base model update.

[Atul Goyal @Atulgoyal]

Also the secondary demat feature was rolled out shoddily. Even after months of following up, no fix for wrong STCG calculations because of holdings moved to secondary demat.
This has another unintended bug which causes unresolved discrepancies in ESOP acq holdings.
@Nithin0dha

[Atul Goyal @Atulgoyal]

@zerodha @AskZerodha
Disappointing to see how the FY is ending and yet the console doesn't correctly include LTCG on Goldbees/MAFANG/MON100 ETFs while calculating total LTCG.

[Atul Goyal @Atulgoyal]

@ICICIBank @ICICIBank_Care @ICICI_Direct
How can you deduct maintanence charges for ICICI demat for an account used years ago without any communication at all?

[Atul Goyal @Atulgoyal]

@andrewchen I am playing with something along these lines.

[Atul Goyal @Atulgoyal]

Finally tried @openclaw today!

Love how easy it is to setup. Persona is nicely done.
And the brainstorming feels real and useful.

Morning checkins and evening reflections to help me stay focussed and make progress. ✅

[Atul Goyal @Atulgoyal]

Pleasantly surprised by the accuracy of code generated by @Replit (so much more accurate vs Chatgpt).

And the way it just stitches the functional parts of code with UI elements is mind blowing.

Things are changing at unprecedented speed!

[Atul Goyal @Atulgoyal]

The Lure of making quick money by retail investors
+
False marketing
+
Greed of the guy
=
Avadhut Sathe scam

Isn't this pattern repeated over and over so many times already!

[Markets by Zerodha @zerodhamarkets]

A stock market "coaching" empire, ₹601 crore in course fees, and thousands of students. SEBI’s probe into Avadhut Sathe reveals what was really happening behind the scenes. Let’s walk through the findings.👇

[Atul Goyal @Atulgoyal]

I think proprietary data training is a bit exaggerated for most use cases as the foundational models get stronger every day. But I could be wrong about this.

[Atul Goyal @Atulgoyal]

Good advice for building AI agents.
Combining deep domain understanding and a tight experience will sure go a long way!

Exciting times!

[Aaron Levie @levie]

Many of the biggest opportunities in AI right now are going after categories where there was never software to accomplish the problem before, or the categories were too small to matter.

AI agents represent the first time ever where we can bring along the work with the software, which means TAMs get very big even in spaces that traditionally had small software spend. Legal services, healthcare, accounting, software engineering, and so on.

The key though is a lot of these markets require a deep understanding of the problem in the domain because you’re fundamentally being used to augment a critical workflow vs. just enable people to solve their own problems.

Tools like excel work as horizontal technologies because the user of the tool can figure out how to leverage it to do their unique work.

But when you’re hiring workers to do a job for you, you don’t also want to have to do all the work to train them on every single part of how to do their job. When you hire for work today, you rarely want it to be “generic”; instead you want it to solve a particular problem you have.

The same is going to be true of AI Agents. You will want agents that are purpose built for the domains or problems you’re trying to solve. Which will lead to agents that are specialized by vertical or particular type of workflow.

The game then is to build agents that combine a deep domain understand, propriety (customer) data that the models weren’t inherently trained on, a tight naturally interaction with the user’s workflow (either today’s or reimagined), and all of the resources necessary for the change management for the customer to be successful.

[MobiKwik @MobiKwik]

The atmosphere is charged with intensity and ideas at #GFF2025.

Our Co-founder and CFO, Upasana Taku, shared her insights during the panel discussion on “Building Moats to Sustain Fintech Growth”.

Head to Booth I-2 for key insights and join the dialogue defining the future of fintech.

@GffFintechfest

#GlobalFintechFest #MobiKwikAtGFF #FutureOfFintech

[MobiKwik @MobiKwik]

🏆 A Milestone Moment 🏆

We are delighted to announce that our Co-founder & CFO, Upasana Taku, has been honoured with the prestigious “Fintech Person of the Year” award at the Global Fintech Fest 2025.

This recognition is a testament to her visionary leadership, deep commitment to financial inclusion, and her relentless pursuit of innovation, that has shaped MobiKwik’s journey over the last 16 years.

Her win is a win for everyone in the KwikTribe, every partner, and every customer who has believed in our mission.🚀

Moments like these fuel us further to dream bigger, innovate faster, and create lasting impact in the fintech ecosystem. Here’s to breaking more boundaries and shaping the future of digital finance for #Bharat! 💙

@GffFintechfest @UpasanaTaku

#MobiKwik #Fintech #GFF2025 #Award #Leadership #Innovation

[James Clear @JamesClear]

Stop paying so much attention to what everyone else is doing and run your own race. How much time is spent reading other people's posts on social media, watching other people's exploits in the news, listening to other people's ideas on podcasts? Go have coffee with a friend. Go make something. Go outside. All those hours spent looking at someone else's life on a screen could be used to take action in your own life.

[Atul Goyal @Atulgoyal]

@utladakhtourism @alhghaladakh @tourismgoi @incredibleindia @PIBTour @gssjodhpur @AltoaLadakh Coming in 1 week!

[Atul Goyal @Atulgoyal]

@SandyofCthulhu I was a big fan of AOE2 - The conquerors expansion, back in the day.

So great to hear from people involved in it! FWIW, I loved the Korean civ @SandyofCthulhu . Could have never imagined it was crammed in like that! Thanks for sharing this!

[Bipin Preet Singh @BipinSingh]

Markets are volatile ! Great reminder that your portfolio needs diversification beyond equities.

On @MobiKwik app you can now book Fixed Deposits as high as 9.5 % from banks and large NBFCs !

[Atul Goyal @Atulgoyal]

@raghavsethi Looks interesting, Raghav! Congrats on the launch! 🚀