Fintech Regulation

FinTech's stratospheric growth, especially in sachetised loans, is noteworthy - but it's now threatening to destabilise the entire industry.

On NBFCs' bid for credit on UPI, KYC fortification, and more.

The world's third-largest FinTech industry struggling to find stable footing. Unsecured lending giants are pulling back on personal loans. Those running neobanks are yet to find a business model that doesn't burn cash on acquiring fickle customers.

More deposits can mean more room to boost credit. And vice versa. However, when credit growth outstrips deposit growth, problems can start to mount.

FinTechs on the ground are hustling, fighting terrible odds to stay alive in the face of extreme adversity.

Lending growth has slowed, sustainable finance is in the spotlight, and the RBI isn't taking any chances!

Why RBI regulatory crackdowns aren't all bad news.

FinTechs seem to know that sustainable profitability is the destination. It's the route that's the problem.

The RBI has been advocating for increased governance across areas, especially algorithm-based lending - let's take a look at why!

Three charts from the RBI lay down what lending could look like this year - read all about it!

With its latest circular on Alternative Investment Funds, the RBI is leaning into its reputation as one of the toughest banking regulators.

The RBI seems to have been successful in its goal of reining in the growth of unsecured credit. Most FinTechs have tie-ups with banks and NBFCs to fund their small ticket offerings, but it looks like top-down tightening will temper their expansion.