Tales of Bharat

Tales of Bharat

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Chit Fund 101
How is a standard chit fund product designed and what makes this instrument so attractive
 • 
Monami Dasgupta
2
Tricked by Design: Deceptive Patterns in Indian Fintech Apps
We conducted an audit of popular fintech apps and assessed for deceptive design used by them. Here's what we found.
 • 
Monami Dasgupta
, 
Vinith Kurian
, and 
Rajashree Gopalakrishnan
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
Imagining Digital Solutions for Small and Micro Retailers of India
Our second blog in the series on digitising Indian retail businesses covers the various digital tools available and how they could benefit a small or…
 • 
Rajashree Gopalakrishnan
1
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
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…
 • 
Vinith Kurian
Banking on Women
Introducing a series chronicling the financial journeys of the women of Bharat
 • 
Monami Dasgupta
, 
Neeti Bhatt
, and 
Kalpitha Jagadeesh
3
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!
 • 
Monami Dasgupta
3
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…
 • 
Vinith Kurian
1
Fintech for the Ageing Indian Population
This blog delves into a potentially evolving whitespace in the Indian fintech landscape, focusing on the unique challenges faced by the elderly…
 • 
Bhuvan Beejawat
, 
Bhaskar Gurnaney
, and 
Veni Gupta
Digitizing Small and Micro-Merchants in India - What’s missing?
Our first blog of this series explores the current landscape of small and micro-merchants in India and the potential for digitization to improve…
 • 
Monami Dasgupta
 and 
Vinith Kurian
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…
 • 
Sripal Jain
, 
Wamika Das
, and 
Vinith Kurian
2
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