FinBox Research
Topic

Financial Inclusion

Extending formal credit to India's thin-file and new-to-credit borrowers — alternate data, mobile-first underwriting, and the policy and technology stack behind it.

MSME Lending
The tightrope walk for lenders just got harder
RBI is giving major red flags to the lending sector, which has raised concerns from private banks, and government directives cast shadows over microfinance's future in India.
22 Nov 2024 4 min read
Fintech Regulation
PAN 2.0 and the QR-IOU case of digital onboarding
RBI is giving major red flags to the lending sector, which has raised concerns from private banks, and government directives cast shadows over microfinance's future in India.
22 Nov 2024 3 min read
The big roadblocks in the way of microfinance
Delays in repayments come back to haunt micro-lenders.
8 Nov 2024 4 min read
How choice architecture can boost conversions & collections in digital lending
In a perfectly egalitarian market, consumers would have complete control over the choices they make. Every product or service would be judged solely based on its merit, stifling any opportunity for…
30 Oct 2024 6 min read
What is banking as-a-service and why you should care about it?
What is Banking as a Service and who are the target customers. How Banking as a Service is helping SMEs to get easy access to B2b credit?
30 Oct 2024 5 min read
After sunny heydays, a harsh winter awaits lenders
The long winter that awaits Indian financial services industry.
18 Oct 2024 5 min read
After sunny heydays, a harsh winter awaits lenders
The long winter that awaits Indian financial services industry.
18 Oct 2024 5 min read
Why seemingly infallible banks are realizing their fragility
Indian fintech has had an action-packed week thanks to the Global Fintech Fest
6 Sep 2024 3 min read
Full speed ahead It's a sunny future for Indian fintech
Indian fintech has had an action-packed week thanks to the Global Fintech Fest
30 Aug 2024 3 min read
Has the boon of digital payments become the banking system's bane?
The financial revolution has exposed banks to lots of risks, including the possibility of a deposit-liquidity crisis.
17 Aug 2024 3 min read
Are MSMEs finally getting their due?
Budget 2024 for MSMEs: A new credit model, increased govt support, and a higher Mudra limit...
26 Jul 2024 2 min read
Embedded Finance
Is the time ripe for lenders to cash in on ONDC?
Despite the ONDC's steady growth trajectory, we're yet to see financial services (significantly) leverage this platform.
12 Jul 2024 2 min read
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