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Month: August 2025

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Insurance Tech: Parametric Insurance, On-Demand Cover, and the New Economics of Risk Transfer

Insurance has long had a reputation for being slow, paper-heavy, and—let’s be honest—kind of boring. But over the last five years, insurance technology (“insurtech”) has been quietly reinventing how risk is measured, priced, and transferred. What’s emerging is a faster, data-driven, and more transparent insurance ecosystem—and three innovations stand out: Parametric Insurance, On-Demand Cover, and […]

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Sovereign Debt & Local Currency Funding: How India Can Wean Off Dollar Dependency

For decades, the U.S. dollar has reigned as the dominant currency for global trade, reserves, and sovereign borrowing. Even emerging economies like India — with robust domestic markets — have relied heavily on the dollar for external debt and trade settlement. But in 2025, the conversation is shifting. With global rate volatility, geopolitical tensions, and […]

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Fintech Profitability Playbooks: Unit Economics, CAC, and the Payback Window in 2025

For years, fintech startups lived in a “growth-at-all-costs” world — burning through venture capital to acquire customers, with profitability being a “future problem.” But in 2025, the rules have changed. Global funding winters, rising interest rates, and investor impatience have put profitability at the center of the pitch deck. Now, the real differentiator isn’t who […]

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Real Estate Remix: Co-living, Fractional RE, and Yield Realities Post-Rate-Hikes

The Indian real estate market is going through its own “playlist shuffle.” Traditional buy-to-rent strategies are facing margin squeezes post-rate hikes, while alternative models like co-living and fractional ownership are making noise. As mortgage rates climb and the cost of capital increases, investors are being forced to rethink yield expectations and explore newer, more flexible […]

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Crypto 2.0: From Exchanges to Custody — What Institutional-Grade Crypto Infrastructure Looks Like

The crypto industry’s first decade was defined by excitement, chaos, and retail dominance. Exchanges were the wild west, wallets were DIY, and security breaches were practically a rite of passage. But as institutional money — hedge funds, asset managers, pension funds, and even sovereign wealth funds — starts to flow in, the rules have changed. […]

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ESG Beyond Greenwashing: Real Metrics, Transition Bonds, and Impact Measurement Tools

ESG — Environmental, Social, and Governance — has been the finance world’s favorite buzzword for over a decade. But somewhere between glossy sustainability reports and overproduced climate-friendly ads, investors started asking the hard question: Is this for real, or is it just greenwashing? Greenwashing — when companies exaggerate or fabricate their ESG credentials — has […]

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AI-Powered Asset Allocation: Are Robo-Advisors Replacing Fund Managers?

The financial services industry is in the middle of a seismic shift — and at the heart of it lies Artificial Intelligence. Asset allocation, once an art practiced by seasoned portfolio managers in suits and conference rooms, is increasingly being handled by algorithms that can crunch terabytes of data in seconds. Robo-advisors, initially launched as […]

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Private Credit for Retail: Opportunities, Tokenization, and the Liquidity Trap

Introduction Private credit, once an asset class reserved for institutional investors and ultra-wealthy family offices, is now quietly making its way into the retail investing universe. In India, digital investment platforms, fintech innovations, and SEBI’s push toward democratizing alternative assets have opened the gates for individual investors to participate in lending directly to companies and […]

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The Quiet Revolution in Corporate Bonds: Retail Access, SEBI Reforms, and How Savers Can Earn 8–10%

For decades, corporate bonds in India were like a gated garden — lush and profitable, but only accessible to big institutions, high-net-worth individuals, and a handful of savvy investors. Retail investors were mostly kept out, left to depend on fixed deposits or stock market swings. But things are changing. SEBI’s reforms, the rise of digital […]

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