The Pattern #224: Where credit goes when money gets tight
Money got dearer this week, and more credit is heading for the gold vault.
Mayank Jain
The Pattern #223: Surprising things that UPI can teach lenders
The moment is well within reach.
Can NBFCs keep co-lending profitable?
The saga of co-lending, platforms, and making bank-nbfc partnerships work.
The other side of strong growth
There is a difference between something looking ready and seeing how it really works when it is being used.
Beyond the AI hype: Warning calls from the GFF stage
The global fintech fest saw equal amount of AI hype as it did warnings about AI. Documenting the pushback reveals more about the crossroads than a panel would.
Where lenders want the risk
Why lending is a business of collections.
When consent meets collateral
If you've seen The Odyssey, you know it's a story about a long journey home, with very different worlds colliding along the way. India's credit market has a similar contrast playing out right now.
A good borrower can still be a risky loan
The Reserve Bank of India just made risk pricing more accountable and risk factors more visible.
Case-study
How IIFL Replaced Hard-Coded Rules with FinBox Sentinel to Move at the Speed of Risk
IIFL's digital lending arm swapped a slow, IT-dependent rules engine for Sentinel's no-code decisioning system, turning weeks-long policy changes into a task risk teams complete themselves in minutes.
DeviceConnect
Which Device Data Credit Scoring Vendors Are Credible for Indian Lenders? Evaluation Criteria and Vendor Landscape
Credibility in device alternative-data credit scoring rests on factors: depth of India-specific data rail integration, explainability, model validation via metrics like Gini Coefficient & RBI framework alignment. talks of specialised vendors FinBox DeviceConnect with retrofitted global platforms.
BankConnect
Bank Statement Analysis Providers in India: What Lending Teams Should Evaluate Before Choosing One
Before shortlisting a bank statement analysis provider, separate parsing from Account Aggregator pulls. Evaluate on parsing accuracy, categorisation, fraud detection, AA-framework compliance, TAT at scale, and LOS integration. Compares Perfios, Signzy, Finvu, Anumati and FinBox BankConnect.
RBI
RBI Cybersecurity Framework 2026: a plain-English guide for banks and their technology partners
RBI's 2026 Cybersecurity Directions for commercial banks: key requirements, the 6-hour rule, vendor controls, and a compliance checklist.