Banks, Co-Brands, and Credit Cards (#77)
Deeper integrations, data sharing, and LTV-focused economics are needed to solve the credit card growth problem
Unit Economics
Analysing payments and credit industry trends
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The RBI needs fintech-led financial inclusion (#76)
Monetary incentives, institutional support, and working with fintech companies are critical to the RBI’s financial inclusion goals
Credit Card Bill Payments: Fair game in post-BBPS world (#75)
Banks’ conflict with repayments, complications behind CRED’s big bet, and CCBP's evolution into a plug-and-play feature
Credit Cards: Optimism and Equal Caution (#74)
A dive into how the RBI's actions and the slowdown in retail credit have influenced the credit card industry
Credit on UPI: Early signals and the next phase (#73)
Expect more patience, competition, and traditional forms of experimentation, amid slowdown and industry-wide challenges
The Existential Financial Gaps in Logistics (#72)
A deep dive into the market dynamics of Indian commercial fleets, and learnings from experiments on working capital, fuel payments, and commercial vehicle insurance
RBI's Paradox: Customer Centricity at the cost of Innovation (#71)
Second-order effects of the sledgehammer approach, and the need for entrepreneur-led innovation
Corporate Cards: The Opportunity Illusion (#70)
Complex underwriting, low margins, and limited infrastructure underline Indian corporate cards
Regulations, UPI, Credit Cards and reflections from 2023 (#69)
Regulator-led innovation, new UPI launches, credit card economics, and other large themes from the year
Credit Line on UPI: Banks Hold all the Aces (#68)
Onus on banks to lay the roadmap to take Credit Lines to hundreds of millions on UPI