Archive - Unit Economics

Corporate Cards: The Opportunity Illusion (#70)

Complex underwriting, low margins, and limited infrastructure underline Indian corporate cards

Feb 25 •

December 2023

Regulations, UPI, Credit Cards and reflections from 2023 (#69)

Regulator-led innovation, new UPI launches, credit card economics, and other large themes from the year

Dec 30, 2023 •

Credit Line on UPI: Banks Hold all the Aces (#68)

Onus on banks to lay the roadmap to take Credit Lines to hundreds of millions on UPI

Dec 3, 2023 •

October 2023

A Future with Credit for Everyone (#67)

Bridging the private credit gap in India and exploring pathways to take credit to everyone

Oct 9, 2023 •

September 2023

All roads lead to Credit (#66)

Fintech industry's gold rush towards credit and how it may change the landscape

Sep 3, 2023 •

July 2023

The Long Road Ahead for OCEN (#65)

While OCEN protocol is a step in the right direction, it may struggle to fulfil its vision for financial inclusion

Jul 2, 2023 •

May 2023

Tipping Point for Credit (#64)

Credit cards on UPI silently prepare to deliver a large shift in credit

May 28, 2023 •

Monetisation in Consumer Payments (#63)

Understanding the need for monetisation in the present climate, and the ways to approach the strategy

May 1, 2023 •

April 2023

Enabling Credit Lines and Interchange on UPI (#62)

Analysing the market opportunities for UPI with the guidelines on digital credit lines and interchange charges

Apr 9, 2023 •

March 2023

UPI Lite: Filling the Gaps in UPI (#61)

UPI's attempt to fight transaction failures, user experience gaps in low value transfers

Mar 19, 2023 •

February 2023

Brilliance of UPI & its Next Chapter (#60)

UPI's evolution to dominate retail volumes, and its big steps towards international, credit cards, and offline transactions

Feb 12, 2023 •

January 2023

The Aftermath of Credit-on-Prepaid Chaos (#59)

Prepaid card and wallet issuers move towards co-brand credit cards, early salary products, and struggle underneath RBI regulations

Jan 8, 2023 •

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