India's kiranatech startups pivot to lending as demand wanes, but will it sell?

If you have ever been to India, you would have surely come across a kirana store — the ubiquitous mom-and-pop shops selling everything from groceries to household items and personal care products. India has around 13 million of them, contributing to over 90% of its estimated $600-billion grocery industry, which has seen the likes of Amazon.com and Reliance Industries slugging it out for a bigger share.