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Infinite Loop

Signals, systems & infrastructure.

Deep dives across AI underwriting, embedded finance and credit infrastructure — the systems quietly rewiring how lending works.

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Why verification can’t be a one-time check
When open-source AI makes flawless deepfakes free, treating identity verification as a one-time check can become a massive risk.
22 Jul 2026 4 min read
Human oversight for agentic systems isn't one-size-fits-all
When a fast-growing fintech wanted to screen applicants before letting them open a cash management account, it
8 Jul 2026 4 min read
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Delaying AI adoption for legacy readiness is a losing bet
Modernise the core incrementally while deploying AI-native capabilities in parallel.
24 Jun 2026 3 min read
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Why AI-led lending workflows require strategic pauses
What happens when a complex case falls outside the AI's training?
10 Jun 2026 4 min read
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The metric missing from most lending dashboards
Your loan origination is fast, but is it efficient?
27 May 2026 5 min read
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Loan origination is now an AI native workflow
Origination was digitised, but it was never redesigned
13 May 2026 5 min read
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One application, five shapes: how AI is rewriting onboarding
A credit head at a mid-sized NBFC told me recently about something that had been bothering her.
29 Apr 2026 4 min read
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Why AI killing the loan application form is good for lending
There's a loan officer I spoke to some months ago at a mid-sized NBFC. His team spent roughly half their day calling people who had started applications and gone quiet.
15 Apr 2026 5 min read
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The Infinite Loop No.21: AI-first credit: Slow lenders won't survive
The cost of 16-week product launch timelines in the age of AI.
1 Apr 2026 6 min read
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MCP-The protocol that rewires lending
There's a moment in every technology cycle when the infrastructure catches up to the ambition.
18 Mar 2026 6 min read
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From supporting actor to lead role: Agentic AI in lending
AI is moving from the sidelines and into the spotlight.
25 Feb 2026 3 min read
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When AI shifts from assistance to execution in credit
Now, AI is moving from an assistant to an operator.
11 Feb 2026 3 min read
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The SME squeeze and the quiet jobs AI does for Fintech
SMEs in India do remarkable things with limited oxygen. This one is for lenders who want clarity, SMEs who want a breathing room, and anyone tired of hearing about AI without hearing how it helps.
28 Jan 2026 3 min read
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What Apple's AI strategy signals for FinTech platforms
The race to build the best AI model is quickly becoming less important than the race to build the best product around AI.
14 Jan 2026 4 min read
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How AI became the engine of modern finance in 2025
AI has officially and authoritatively moved from our newsfeeds to our daily workflows.
24 Dec 2025 3 min read
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The journey is the policy - Rethinking digital lending for 2026 and beyond
I've started noticing a quiet shift in the digital lending landscape over the past year.
11 Dec 2025 3 min read
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The $1 trillion blind spot: Why AI is India's FinTech security nightmare
With India seeing a 67% spike in digital fraud losses, the 'business as usual' approach to cybersecurity is officially obsolete.
26 Nov 2025 3 min read
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Financial Services Has a New Fraud Problem: AI That Looks Too Real
I spent some time last week staring at two restaurant receipts.   Both were of the same amount.  Both
15 Oct 2025 5 min read
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From embedded to generative: Charting credit's fourth reset
From embedded to generative: Charting credit's fourth reset
24 Sep 2025 3 min read
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How will AI evolve partnership lending in India?
Partnership lending has the rails--apps, UPI, marketplaces. Read how AI can act as the orchestrator in the partnership lending value chain.
26 Aug 2025 4 min read
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Can RBI really afford to go all-in on AI in finance?
RBI's new 'tolerant supervisory stance' for AI is a stark departure from its usual hawkish stance. Read now to discover what this could mean for India's financial future.
26 Aug 2025 3 min read
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Why lenders should bet on AI-based automation, not decisions
Indian finance should focus on AI automation over lending decisions. Learn why data quality issues make operational AI the smart choice for NBFCs and banks.
13 Aug 2025 3 min read
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How AI caught 40,000 taxpayers and what it means for digital lending
But this year, 40,000 taxpayers suddenly needed to file corrections, withdrawing ₹1,045 crore worth of deductions they had claimed.
16 Jul 2025 3 min read
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AI's Promise to Housing Finance: Is it time to move beyond the paper trails?
Could the most crucial customer-faced financial process in India finally get the overhaul it deserves? ____________________________________________________________________________________________ So, you&
3 Jul 2025 5 min read
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The Weak Signal Paradox Can AI catch fraud where everything fails?
Fraud orchestration is no longer about convincing computers that one is human. It's now about trying to convince AI systems of one's humanness and trustworthiness.
19 Jun 2025 5 min read
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AI in collections - From reactive recovery to predictive intelligence
Lending is a business of collecting. The real work starts once a loan is disbursed, and monthly auto-debit requests start hitting your borrowers' bank accounts.
4 Jun 2025 4 min read
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Can AI transform investing? All bets are off
It sounds liberating to investors and it is quite powerful. But there is something about the news that raises questions we are not discussing enough. The explainability.
22 May 2025 4 min read
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AI in finance - Can we resolve the black box problem?
The "black box" problem refers to AI systems that make decisions through processes that remain opaque even to their creators. The dilemma is straightforward: if we cannot explain how AI reaches its conclusions, how can we possibly trust it?
8 May 2025 4 min read
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The Ghiblification of Banking When AI Meets Human Touch
Welcome to the inaugural edition of Infinite Loop, a newsletter where we will gather interesting insights about AI
23 Apr 2025 4 min read

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