Archive - Unit Economics

Credit Cards: Optimism and Equal Caution (#74)

A dive into how the RBI's actions and the slowdown in retail credit have influenced the credit card industry

Dec 8, 2024 •

August 2024

Credit on UPI: Early signals and the next phase (#73)

Expect more patience, competition, and traditional forms of experimentation, amid slowdown and industry-wide challenges

Aug 26, 2024 •

July 2024

The Existential Financial Gaps in Logistics (#72)

A deep dive into the market dynamics of Indian commercial fleets, and learnings from experiments on working capital, fuel payments, and commercial…

Jul 30, 2024 •

May 2024

RBI's Paradox: Customer Centricity at the cost of Innovation (#71)

Second-order effects of the sledgehammer approach, and the need for entrepreneur-led innovation

May 26, 2024 •

February 2024

Corporate Cards: The Opportunity Illusion (#70)

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

Feb 25, 2024 •

December 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

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