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Smart Underwriting: How AI is Reshaping Retail Lending and Credit Decisions

The retail lending market in India has exploded over the last decade, driven by the rise of fintech, digital payments, and the country’s expanding middle class. But while demand for personal loans, consumer loans, and small-ticket credit has surged, lenders face a critical challenge: how to accurately assess risk, approve loans faster, and reduce defaults. […]

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August 18, 2025
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UPI’s ‘Pull’ Transaction Ban: What It Means for Users, Merchants, and India’s Digital Payments

Unified Payments Interface (UPI) has completely changed the way India transacts. From street vendors to large businesses, almost everyone in India relies on UPI for instant, seamless, and secure payments. Over the years, UPI has become the backbone of India’s fintech revolution, crossing billions of monthly transactions. But with rapid adoption also comes rising fraud, […]

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August 16, 2025
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P2P Lending Under Stress: How India’s Fintech Platforms Are Coping with Tighter Regulations

Peer-to-peer (P2P) lending was once hailed as a disruptive revolution in India’s financial sector. By directly connecting borrowers and lenders through digital platforms, it promised higher returns for investors and easier credit access for individuals and small businesses. However, the dream of democratized finance is currently under stress. Tighter regulations, rising defaults, and liquidity challenges […]

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August 16, 2025
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Crypto & CBDC Adoption Expanding in India: The Digital Rupee Revolution

India’s financial landscape is undergoing a rapid transformation with the simultaneous rise of cryptocurrencies and the Central Bank Digital Currency (CBDC). As digital payments and blockchain technology gain momentum, India is exploring how these innovations can coexist with its traditional banking system. Cryptocurrency adoption is gaining legitimacy, with more retail and institutional users exploring digital […]

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August 14, 2025
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Acceleration of Embedded Finance in India: The Future of Seamless Digital Payments

Embedded finance is one of the most exciting trends reshaping India’s financial ecosystem. By integrating financial services such as lending, payments, and insurance directly into non-financial apps, embedded finance makes money management seamless and convenient for consumers and businesses alike. Instead of opening multiple apps or visiting banks, users can access financial solutions exactly where […]

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August 14, 2025
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Paytm’s Move into Payments Aggregation: Strengthening India’s Digital Payments Ecosystem

Paytm, one of India’s most recognized digital payments platforms, has recently received in-principle approval from the Reserve Bank of India (RBI) to operate as a payment aggregator (PA). This move is a pivotal moment in Paytm’s strategic evolution. After scaling back its banking ambitions, the company is now refocusing on its core strength—digital payments and […]

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August 14, 2025
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