India’s fintech revolution has transformed the mechanics of lending. Credit can now be sourced, underwritten, approved, and disbursed at a speed that would have been unimaginable a decade ago. Digital lending platforms, alternative credit scoring models, Account Aggregators (AA), Open Credit Enablement Network (OCEN), and AI-driven underwriting have fundamentally reshaped the lending ecosystem.  Yet, beneath […]

For years, debt in India was often viewed as something to avoid unless absolutely necessary. Loans were primarily associated with buying a home, funding higher education, or meeting emergency expenses. However, Generation Z is changing this narrative. Growing up in a digital-first world, Gen Z sees credit as a financial tool that offers convenience, flexibility, and […]

Beyond Compliance: How RBI’s New Responsible Business Conduct Framework Will Reshape NBFC Growth  On 15 June 2026, the Reserve Bank of India introduced the Reserve Bank of India (Non-Banking Financial Companies – Responsible Business Conduct) Second Amendment Directions, 2026. While it may appear to be another compliance update, the circular signals a much broader shift in regulatory expectations.  […]

Why Rural Credit Digitization Is Moving Slower Than Expected  A small farmer in Vidarbha earns steadily across three seasons, repays his informal lender on time every cycle, and holds clear title to four acres of land. When he walks into a branch to apply for a housing loan, the process stalls within days. His bureau […]

Buy Now, Pay Later (BNPL) services have transformed the way young consumers shop by making purchases more accessible and affordable. With just a few clicks, consumers can split payments into smaller installments, often without paying interest. While this convenience has driven the rapid adoption of BNPL platforms, it has also created a false sense of […]