Month: August 2025

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Top 5 Challenges Faced by Central Bank Digital Currencies Globally — Lessons for India

Central Bank Digital Currencies (CBDCs) are no longer sci-fi concepts — they are very much here and shaping the future of money worldwide. From the Bahamas’ Sand Dollar to China’s Digital Yuan, countries are racing to digitize their currencies to enhance payment systems, financial inclusion, and regulatory oversight. But hold up — rolling out a […]

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India’s Digital Rupee (CBDC): Real Use Cases, Programmability & Offline Payments

The Indian financial landscape is on the cusp of another massive transformation — and this time, it’s not UPI, Paytm, or another fintech unicorn stealing the spotlight. It’s the Digital Rupee, India’s very own Central Bank Digital Currency (CBDC), issued and regulated by the Reserve Bank of India (RBI). Unlike cryptocurrencies like Bitcoin, the Digital […]

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Post-Hack Crypto Security & The New Rules for Indian Exchanges: What the CoinDCX Fallout Teaches Us

The Indian crypto community was recently shaken when CoinDCX — one of the country’s largest cryptocurrency exchanges — confirmed a security breach that led to the theft of user funds. While the incident was contained and damage control measures were swift, the episode is a stark reminder: crypto security is only as strong as its […]

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BNPL 2.0: Regulation, Credit Reporting & Survival Strategies for Fintechs

BNPL 2.0: Regulation, Credit Reporting & Survival Strategies for Fintechs The BNPL Boom Meets Its Reality Check Buy Now, Pay Later (BNPL) was once fintech’s golden child — the millennial and Gen Z-friendly payment method that promised convenience without the scary credit card bills. From small online purchases to big-ticket electronics, BNPL companies like ZestMoney, […]

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AI / Gen-AI in Finance: From Investment Research to Lending Decisions

The financial industry is experiencing a seismic shift — and Artificial Intelligence (AI), particularly Generative AI (Gen-AI), is the driving force behind it. From Wall Street trading floors to Indian fintech startups, AI is redefining how investment research is conducted, how lending decisions are made, and how customers interact with financial services. In a sector […]

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Private Credit: The Mega-Boom, Retail Access, and the Systemic-Risk Debate

Over the last decade, private credit has evolved from a niche corner of the investment world to one of the fastest-growing segments of global finance. Once dominated by a small circle of institutional investors and ultra-high-net-worth individuals, private credit is now creeping into mainstream conversations — with retail investors getting unprecedented opportunities to participate. But […]

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SEBI’s New ESG-Debt Rules & The End of Greenwashing for Bonds

The Big Shift in India’s Sustainable Debt Market India’s bond market has seen a green makeover over the last decade. From the country’s first green bond issuance in 2015 by Yes Bank to the record ₹25,000 crore worth of ESG (Environmental, Social, and Governance) themed bonds issued in FY23, sustainable finance has gone from niche […]

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Digital Lending & Instant Loan Apps: Compliance, CIMS Reporting & Consumer Protection

The digital lending landscape in India has exploded in the past five years — fuelled by UPI adoption, smartphone penetration, and the promise of “instant money at your fingertips.” But with rapid growth has come equally rapid scrutiny. From RBI’s Digital Lending Guidelines to the introduction of CIMS reporting, the rules of the game are […]

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Retail Bond Investing & the Democratization of Debt Markets: How SEBI’s Reforms Are Changing the Game

The Indian debt market, for decades, has been a playground largely reserved for institutions — banks, mutual funds, insurance companies, and high-net-worth individuals. Retail investors, if they participated at all, were mostly on the sidelines, dabbling in fixed deposits or government savings schemes. But that is changing — fast. With the Securities and Exchange Board […]

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