#Digital Lending

RBI Circular Tracker 2026: What Changes for Regular Customers?

RBI rules now give customers stated rights on loan prepayment, recovery calls, pledged gold, digital lending, account claims, payment checks, credit reports and complaints, but each rule has its own start date and coverage.

AI Credit Scoring in India: How Loan Algorithms Works

Millions of Indians are being scored by algorithms they cannot see, challenge, or understand, while DPDP, RBI and Parliament are still catching up.

AI Bias in Indian Credit Scoring: Who Gets Excluded When Algorithms Decide?

AI-powered credit scoring was meant to open formal lending to India’s MSMEs, gig workers, women & rural borrowers. But without transparency, fairness audits & human review, the same technology may reproduce old exclusions in a new digital form.

Why Responsible Interest Rate Regulation Can Strengthen India's Small-Ticket Lending Ecosystem?

A healthy lending ecosystem depends on transparency and trust. This article explores how a regulatory framework for loans up to ₹1.5 lakh capping interest at 5% monthly and fees at 5% can help India build a more sustainable, borrower-friendl

Paytm, MobiKwik, PB Fintech: How India's Fintech Poster Boys Learned To Make Money

From Paytm to PhonePe and PayU, Indian fintechs are shifting from user growth to revenue-led models. What this means for Bharat, citizens and investors.

Dark Patterns in Indian Apps: Why RBI and CCPA Are Cracking Down on Manipulative Design

RBI, CCPA and consumer reports are putting manipulative app design under the scanner. Read how hidden fees, fake urgency and pre-ticked consent boxes are changing India’s digital regulation landscape.

India’s ₹53 Lakh Crore Credit Boom Is Quietly Creating a Debt Crisis

India’s credit boom is driven by rapid digital lending, credit card expansion, and BNPL adoption among young consumers, but it is also increasing financial stress due to high interest rates and low financial literacy.