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FinTech underwriting

Of the over 2000 FinTechs in India, only 4 find a place in the list of 20 plus Indian unicorns and none of them are in the lending business. There is something about lending that goes beyond technology; one, it requires large capital and continuous fund infusion and two, there is substantial risk which tech…

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Neo Banks and Account Aggregators

The current buzz in fintech is around Neo Banks and Account Aggregators (AA). Investor interest in Neo banks especially, seems to have spiked with about 8 players raising over $90 million in recent times. As for AAs, the news is that RBI regulations are getting in place and in-principle approval has been accorded to about…

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Digital Mortgage lending

There are over 500 alternative lenders in India, next in volume only to payments players. While they may have filled the space left vacant by banks and NBFCs in SME financing especially, a surprising fact is that there are very few of them doing mortgage finance. Even globally, such as in the US where mortgage…

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