The RBI’s decision to link UPI with credit cards will be a tightrope walk. While the move will bring a …
Was the merger of HDFC-HDFC Bank inevitable? Think a bulking lender, its net worth, and succession
Having resisted the merger for about two decades, the two financiers eventually announced it. What finally triggered this move? How …
RBI vs. card-based fintech firms: what the central bank diktat means for the future of PPI lending
The RBI has hit the pause button on the rapid growth of card-based fintech startups with its recent circular. The …
Yes Bank 2.0: can the private lender regain its glory with better asset quality, capital infusion?
It’s been two years since the SBI-led consortium brought back Yes Bank from the brink of collapse. Most of its …
In the Wild West of Web3, founders face a litmus test amid crypto crash and a funding winter
The 2021 funding party for startups, specifically in the Web3 ecosystem, seems to be ending. Even though the early months …
Kunal Shah vs. banks: Cred wins round #1. But maintaining the growth momentum will be a tall order.
Cred is taking on big private-sector lenders to become a large player in personal loans. But its credit card-led user …
All-weather friend: Venture debt window still open for startups, but more conditions apply
Indian startups raised a record high amount in venture debt last year. The equity funding squeeze would mean rising demand …
As card payment re-authorisation deadline nears, a key question: Is UPI the only winner?
India is home to many pathbreaking digital-payment innovations. But not all stakeholders are happy with the regulatory mandates. They say …
Differentiated, branchless: how digital banks can make credit offtake better, cheaper, and grow fast
New business models and deposit bases need to be created for the banking sector to expand. Some key issues that …
The Bitcoin value question: What gives a currency its value? USD has Uncle Sam. BTC? Hint: Network.
There’s much confusion around whether Bitcoin is a ‘currency’ or an ‘asset’. But that often leaves out the most important …