Launch of credit on UPI calls for a new phase for the payment system
Regulatory ambiguity and lack of innovation in User Consents add to Fintech challenges
New regulations, smoother KYCs, and a shift of credit-line products to prepaid instruments underline the popularity
Skewed collection incentives, multiple loans, and a passive business approach stymie repayments
Industry continues to struggle with alternative forms of credit assessment
Industry focus shifts away from cashback-led user acquisition to monetisation
RBI's push to enable no-internet digital payments and the proposed solutions
2021 Recap: M&As and IPOs, healthier economics, CBDC launches, formalising BNPL, and more
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Unit Economics