State of Digital Lending 2026 - A FinBox report
Every stat and insight about lending in India in one comprehensive report.
Every stat and insight about lending in India in one comprehensive report.
Sentinel AI turns IIFL finance into a digital lending powerhouse.
A guide to building a modern lending stack for lenders.
How Deployable DeviceConnect helped a leading Indian telco extend instant credit to millions of thin-file customers — without exporting raw data outside its own infrastructure.
How a 135-year-old Kerala-headquartered NBFC with 3,700+ branches built a digital MSME credit product on top of QR payment platforms — and grew disbursement value 3x.
How one of India's most trusted financial platforms built an embedded personal-loan funnel from zero to ₹570+ Cr disbursed in 16 months — within an aggressive 30-day launch deadline.
How an accounting platform with 10 million SME customers turned in-app credit from a good-to-have into a must-have using FinBox's EDI stack.
A guide to building modern credit products at scale — covering loan origination, decisioning, loan management, and the orchestration layer that ties them together.
The four KYC methods Indian digital lenders can run today — physical, video, Aadhaar e-KYC, and C-KYC — plus the regulatory map, the cascade, and the checklist that survives an RBI audit.
Static rules, risk scoring, velocity checks, and machine learning — the four-layer detection approach that prevents defaults at 3–5x the average rate.
How digital platforms can offer BNPL, checkout financing, overdrafts, and business loans through one integration — embedded credit, explained.
Smarter co-applicant underwriting and guarantor verification — identity, compliance, credit, and income signals in a single decisioning engine for HFCs.