AI Finance
You can’t build AI-native lending on a legacy core
The next wave of AI implementation needs to be embedded inside it, making contextual decisions that rigid, rules-based systems were never designed to handle
Rajat Deshpande
One credit product is the biggest risk on your platform's books
Most platforms think their risk is not having enough lenders. The bigger risk is having only one product. A single product works right up until that category slows, and then there's no second line to catch the drop. Distribution can be sorted with partnerships. Being stuck on one product can't.
How Account Aggregator is bringing customer consent back into lending picture
Before the advent of Account Aggregator (AA), the ‘right to data portability’ existed only in theory. AA for the first time empowered its practice.
How GSTN on Account Aggregator can help MSME lenders
The Account Aggregator framework was expected to be a watershed moment, not unlike UPI, for financial services. So far, its enormous impact has been evident in consumer lending, but with the inclus…
FinTech
Some steps forward, not one back: Analysing Budget 2023 for startups and FinTechs
The 2023 Budget was under immense pressure - first, considering that it’s the current government’s last full budget before the 2024 general election, and second, because it was faced with the tough…
Can credit push digitisation in the MSME sector?
While the rest of the world marched to the beat of digitization, two sectors seemed to look on
Come rain or shine, BNPL is here to stay
Few things unite popular opinion quite like the subject of indebtedness. Consumers have always received the notion of
A FinTech founder's guide to structuring and hiring quality teams
What's the one thing that a FinTech can do to be in the top percentile of
Lending is easy - it’s the collection that’s tricky.
Consider this - in a year , Indians on average make 300 million E-Commerce transactions and 8 billion digital