Fintech

    11 pages carry this tag.

    Concept Guides

    Concept Guide

    Digital Lending Models

    Digital lending uses technology to make the lending process faster, cheaper, and accessible to previously underserved borrowers.

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    Concept Guide

    Blockchain and DeFi Primer

    A blockchain is a distributed ledger, a database that is simultaneously maintained by many participants rather than a single central authority.

    8 min readRead more
    Concept Guide

    Cybersecurity in Financial Systems

    Every financial system that digitises creates a digital attack surface. As India's financial sector has moved online, UPI transactions, digital lending, mobile...

    7 min readRead more
    Concept Guide

    Account Aggregators

    The Account Aggregator (AA) framework is India's consent-based financial data sharing architecture.

    7 min readRead more

    Glossary

    Glossary

    UPI

    India's real-time, interoperable bank-to-bank payment system operated by NPCI. It lets any app move money instantly between accounts using simple identifiers.

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    Glossary

    CBDC

    A digital form of sovereign currency issued by the RBI, piloted as the e-rupee in retail and wholesale segments. Unlike cryptocurrency, it is central-bank money.

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    Glossary

    P2P Lending

    Platforms that match individual lenders directly with borrowers, regulated in India as NBFC-P2P entities with caps on exposure per lender and borrower.

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    Glossary

    Payment Aggregator

    A licensed intermediary that lets merchants accept many payment methods without direct bank integrations, holding funds briefly in escrow during settlement.

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    Glossary

    KYC

    The mandatory identity-verification process for financial accounts, using documents such as PAN and Aadhaar, increasingly completed digitally through video or Aadhaar-based flows.

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    Related topics: Valuation, DCF, Relative Valuation, Cost of Capital, Financial Statements, Cash Flow, Earnings Quality, Red Flags