Archive - Tales of Bharat

Mapping consumer-led frauds in digital lending

Digital lending fraud is rising rapidly. This blog maps fraud risks across lending stages and explores how lenders can balance trust, innovation, and…

Dec 17, 2024 •

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Monami Dasgupta

Transforming Credit Access with Digitized Life Insurance Policies

This article explores how digitized financial assets like life insurance policies can enable credit access for underserved households, offering…

Dec 6, 2024 •

Devyani Parameshwar

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Raghavendra Badaskar

Can digital payments increase the access to capital for a small business?

Using proprietor data from the Indifi - a lending fintech, this research paper highlights the positive relationship between digital payments and fintech…

Dec 3, 2024 •

Monami Dasgupta

October 2024

Why Everybody Loves a Good PFM App but It's So Hard to Build One!

Can PFM apps transform personal finance? With AI, automation, and the Account Aggregator framework, they might finally deliver the smarter, personalized…

Oct 16, 2024 •

September 2024

UPI's Next Frontier: Delegated Payments and the Future of Financial Access for Dependents

Delegated payments on UPI could be pivotal in empowering dependents and underserved users with secure access to digital finance. Could it also unlock…

Sep 17, 2024 •

Do people prefer financial advice generated by ChatGPT over certified human advisors? The response is surprising.

Can AI-generated financial advice compete with traditional human advice? Our survey findings reveal a shifting preference!

Sep 3, 2024 •

Monami Dasgupta

July 2024

How Fintech is Solving for Debt Collections

In our last blog of this series, we explore how fintech innovations are streamlining debt collections using tech solutions to improve efficiency and…

Jul 10, 2024 •

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June 2024

Decoding the Fintech Revolution in Underwriting

In our third blog of the series, we explore how fintech companies transform the underwriting process with AI and machine learning, making credit more…

Jun 20, 2024 •

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May 2024

Decoding Emerging Digital Lending Models in India

In our second blog of the series, we delve into the digital lending models that enable fintechs to partner with regulated entities, securing the…

May 16, 2024 •

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April 2024

Understanding the Mechanics of Digital Lending in India

Our first blog of the series explores the process of digital lending highlighting the roles played by multiple entities including fintechs in…

Apr 16, 2024 •

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February 2024

Declining Household Savings Rate: An Opportunity for Fintech?

The recent decline in household financial savings and the RBI's cautious approach to retail lending presents interesting opportunities for fintechs…

Feb 27, 2024 •

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Decoding RBI’s Recent Announcements: Enhanced Security, Financial Inclusion, and Consumer Protection

A deep-dive into the RBI's recent Monetary Policy Committee's announcements aimed at bolstering the security of digital transactions, enabling financial…

Feb 16, 2024 •

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