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Gen Z and Millennials: Driving Consumer Credit and Reshaping the India Story?
When does cosnumer credit become excessive?
Jul 18
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Rajat Deshpande
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Gen Z and Millennials: Driving Consumer Credit and Reshaping the India Story?
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High delinquency in sub-50k personal loans: A systemic risk warning or mere teething troubles?
An alternate viewpoint on the high delinquency in emerging loan segments
Jul 3
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Rajat Deshpande
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High delinquency in sub-50k personal loans: A systemic risk warning or mere teething troubles?
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June 2024
Digital finance needs to be insured
Why depositor insurance must cover prepaid payment instruments
Jun 20
•
Rajat Deshpande
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Digital finance needs to be insured
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Is there a redeeming arc to the ARC business?
Why is the RBI not pleased with governance standards of ARCs?
Jun 5
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Rajat Deshpande
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Is there a redeeming arc to the ARC business?
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May 2024
Is the risk function ready to waltz with the new regulatory mandate?
What will the future of operational-risk management in digital lending look like?
May 23
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Rajat Deshpande
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Is the risk function ready to waltz with the new regulatory mandate?
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It’s time India gets a FraudStack
Why fraud needs dedicated tech solutions.
May 8
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Rajat Deshpande
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It’s time India gets a FraudStack
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April 2024
Will UPI’s ‘digital public good’ status slip with the 30% cap on market share?
Why volume caps may not be the best way to foster competition
Apr 24
•
Rajat Deshpande
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Will UPI’s ‘digital public good’ status slip with the 30% cap on market share?
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Getting Account Aggregator past its most critical crossroads yet
Balancing obligations and rewards for all players is the way ahead
Apr 11
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Rajat Deshpande
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Getting Account Aggregator past its most critical crossroads yet
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March 2024
Can SROs save the fintech sector from itself?
Will SROs succeed in making compliance the strong suit of Indian fintechs?
Mar 27
•
Rajat Deshpande
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Can SROs save the fintech sector from itself?
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How can Indian banking become climate (change) friendly?
Balancing risks and rewards in lending to achieve net zero
Mar 13
•
Rajat Deshpande
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How can Indian banking become climate (change) friendly?
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February 2024
Why are banks suddenly opening new branches in the digital era?
Will brick-and-mortar crush digital?
Feb 28
•
Rajat Deshpande
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Why are banks suddenly opening new branches in the digital era?
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Will FinTechs sacrifice the pawn of innovation to win over the queen of regulation?
Will FinTechs continue to play the long game?
Feb 14
•
Rajat Deshpande
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Will FinTechs sacrifice the pawn of innovation to win over the queen of regulation?
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