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Scale-based rules, unscalable growth
On regulating NBFCs, crises, and the path forward
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Rajat Deshpande
Credit decisioning — how to go from confusion to conclusion
Why 'fast and frugal' reasoning combined with the computing power of 'business rules engines' can be gamechanging for digital lending in India
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Rajat Deshpande
August 2023
SEBI plays whack-a-finfluencer
Is it too early for a sophisticated regulatory code for finfluencers?
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Rajat Deshpande
Scenes from a marriage: Will FinTechs and lenders become estranged?
Does lending really hold the key to revenue generation?
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Rajat Deshpande
Can ONDC succeed in financial inclusion when the rest faltered?
What does the ONDC + OCEN equation mean for India's digital lending landscape?
 • 
Rajat Deshpande
Can tech sow the seeds of a bumper harvest in India’s agriculture?
A federated data infrastructure for regional parity in agri credit
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Rajat Deshpande
Bankers of tomorrow: How to catch and keep the elusive gen-hop
The future of banking is restless.
 • 
Rajat Deshpande
July 2023
Is the Indian credit card market tumbling into mayhem?
A business model crisis is looming over the Indian credit card industry
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Rajat Deshpande
Was embracing riskier borrowers FinTechs’ biggest folly?
Almost everything worth doing is risky.
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Rajat Deshpande
Software, pricing, and the inflation-deflation conundrum
Can softwares' deflationary power trample tomatoes' inflationary tendencies?
 • 
Rajat Deshpande
What will propel the last mile of India’s microfinance story?
A little bit of regulation and a whole lot of innovation
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Rajat Deshpande
June 2023
GSTN on AA: Credit vs welfare?
Can credit and AA become the welfare state that India was supposed to be?
 • 
Rajat Deshpande
© 2023 Rajat Deshpande
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