Topic
RBI
Regulatory coverage of the Reserve Bank of India — guidelines, circulars, and their implications for digital lenders, NBFCs, payment aggregators, and the broader fintech ecosystem.
FinBox Research
A good borrower can still be a risky loan
The Reserve Bank of India just made risk pricing more accountable and risk factors more visible.
14 Aug 2026 4 min read
Every price tells a story. Not every story is inflation.
The RBI held rates at 5.25% this week. The number was expected — the reasoning is what's worth reading. Prices are rising, but only in food and fuel, and the RBI is waiting to see if it spreads before acting. It's the same call a lender makes when a borrower has a bad month.
7 Aug 2026 3 min read
RBI
RBI Cybersecurity Framework 2026: a plain-English guide for banks and their technology partners
RBI's 2026 Cybersecurity Directions for commercial banks: key requirements, the 6-hour rule, vendor controls, and a compliance checklist.
2 Aug 2026 7 min read
Banks are buying tools for a problem tools can't fix
Banks are arming up against AI-led attacks with 25 vendor partnerships and a new SBI-led framework. But the research published this month points at three gaps none of that reaches — and all three are about how a bank operates, not what it buys.
24 Jul 2026 7 min read
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.
15 Jul 2026 7 min read
FinBox Research
What happens when the collateral is the phone in your hand
The RBI formalising device restriction with safeguards is the right call. The alternative was worse on every count.
29 May 2026 4 min read
FinBox Research
What the RBI knows that markets don’t
That capital does not sit idle; it creates room for more lending.
22 May 2026 6 min read
FinBox Research
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
FinBox Research
Banking's Bermuda Triangle Rate cuts, FinTechs and NPAs
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
6 Jun 2025 6 min read
FinBox Research
RBI just changed the rules of engagement; can digital lenders cope?
RBI's new rule mandates NBFCs to exclude fintech DLGs from provisioning. How will this rule reshape digital lending, impact partnership lending, and redefine accountability for NBFCs?
30 May 2025 4 min read
FinBox Research
Can secured credit run the rocketship that unsecured loans built?
Indian banks are shifting from unsecured to secured loans amid rising delinquencies and regulatory pressure.
23 May 2025 3 min read
FinBox Research
RBI eases risk weights but can it keep the lending house in order?
RBI eases lending norms to boost credit flow, but with soaring NPAs, is this a financial masterstroke or a risky gamble? Dive into the full analysis here.
28 Feb 2025 4 min read