FinBox - The Big Picture

What’s fueling SEA's lending renaissance?

Southeast Asia's fintech story often gets told through the same tired metrics: 700 million people, with a significant portion of the population…

Sep 18 • 

Rajat Deshpande

1

The business loan boom: Are lenders ready for higher stakes?

When bigger loans meet outdated infrastructure, the cost of failure multiplies.

Sep 3 • 

Rajat Deshpande

3

1

August 2025

Credit where it's due: How Gen Z is rewriting the lending playbook

If there’s one thing I’ve learnt in the years I’ve spent building FinBox, it’s this – in lending, patterns tell stories.

Aug 20 • 

Rajat Deshpande

2

Why lenders must learn to navigate the middle class’s aspiration engine

Is India's middle class borrowing its way into prosperity or into peril?

Aug 7 • 

Rajat Deshpande

1

July 2025

The QR Code Crisis: How Tax Notices Are Destroying MSME Credit

In parts of Karnataka – home to India’s Silicon Valley – the familiar cha-ching of UPI payments is slowly fading.

Jul 23 • 

Rajat Deshpande

2

The Insurance Reset: Will Bima Sugam put an end to the financial inclusion scuffle?

While everyone was debating whether fintech had abandoned inclusion for the masses, chasing premium customers, IRDAI quietly built the infrastructure to…

Jul 9 • 

Rajat Deshpande

1

June 2025

The FinTech Divide: Why is credit no longer reaching where it’s due?

Swiggy just launched Crew, an invite-only concierge app for affluent customers who need help planning European vacations and securing international…

Jun 25 • 

Rajat Deshpande

1

Scandals to Supremacy: Decoding the PSB revival no one saw coming

Here’s a fun nugget – Heads of public banks in India are so notorious for being wrong about their predictions that folks at Capitalmind built a tracker…

Jun 11 • 

Rajat Deshpande

1

May 2025

Can India’s ULI do a consent-based turnaround for financial inclusion?

Two nations, two philosophies, one challenge: universal credit accessibility.

May 28 • 

Rajat Deshpande

RBI's Double Play: Digital Lending Guidelines & Co-Lending Tightened

RBI has been busy lately.

May 15 • 

Rajat Deshpande

April 2025

What can Smart FD teach lenders about product innovation

Picture Credit: Stable Money

Apr 30 • 

Rajat Deshpande

1

March 2025

The fraud crisis banking is much bigger than we thought. Here's why

The rising fraud cases in the banking and financial sector is not just another bunch of headlines popping up in the space, it is a sign of a much bigger…

Mar 19 • 

Rajat Deshpande