Raghu Mohan

RBI's proposed TReDS reforms aim to ease MSME onboarding, improve credit flow and reduce payment delays, strengthening working capital access in uncertain times

AI is narrowing the gap between banks and fintechs, driving faster decisions, better risk management and a convergence of scale, agility and trust

Banks are deploying more cash recycling machines that allow deposits and withdrawals, reducing reliance on standalone ATMs and slowing the transition to cassette-swap cash loading systems

CareEdge said MSME asset quality improved significantly from FY20 levels, though global trade disruptions, rising costs and export-linked risks could weigh on future loan performance

With funding tightening and regulators increasing scrutiny on risk, firms must move past the growth-at-all-costs model to survive

BCRC has sought an IBA standing committee to address BC remuneration, penalties, grievance redressal, and customer service standards under the RBI's draft framework

NPCI may review ATM interchange fees and link charges to WPI as rising operating costs put pressure on India's ATM ecosystem

Rising wage and logistics costs are exposing long-standing stress points in India's ATM ecosystem, prompting calls for a rethink of interchange fees

More frequent credit bureau updates are reshaping underwriting, helping lenders curb loan stacking and assess borrowers with greater precision

The National Payments Corporation of India (NPCI) is set to consider linking the ATM interchange fee to the Wholesale Price Index (WPI), alongside a potential hike from the current ₹19 to ₹21-22, which could impact customer charges for transactions beyond the free limit.