D91 Labs

👥 𝐖𝐡𝐨 𝐝𝐨𝐞𝐬 𝐢𝐭 𝐢𝐦𝐩𝐚𝐜𝐭? ▪️ MSMEs and new-to-credit borrowers ▪️ Banks, NBFCs, fintechs, LSPs

🤝Banks, NBFCs, and fintechs can now co-lend to deliver affordable credit beyond priority sector loans. Read our latest blog to learn more about the draft RBI co-lending regulation 👉 tinyurl.com/y6j58xx5

🤔 𝐖𝐡𝐲 𝐰𝐚𝐬 𝐭𝐡𝐢𝐬 𝐫𝐞𝐠𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐧𝐞𝐞𝐝𝐞𝐝? ▪️ Current regulations allowed limited players ▪️ Co-lending has evolved beyond priority sector to personal and consumption loans ▪️ Need for affordable interest rates for underserved segments

The big challenge? Balancing robust fraud defenses with a seamless borrower experience. If you work in digital lending, how do you navigate this? We'd love to hear your thoughts! #DigitalLending #FraudDetection #FinTech #Innovation

Key trends in fraud prevention: 🛡️ AI tools: Smarter document validation & predictive analytics. 🌐 Collaboration: Centralized fraud registries & shared insights. 🔓 Cybersecurity: Blockchain & multi-factor authentication redefine trust.

Fraud in digital lending isn't just about lost money—it erodes trust and slows innovation. How are lenders staying ahead of evolving fraud tactics? 🛡️ Dive into our blog to explore the strategies shaping the future of fraud prevention: d91labs.substack.com/p/outsmarting-…

open.substack.com/pub/d91labs/p/… #DigitalLending #FraudPrevention #Fintech

🔍This blog dives into how fraud emerges and its real impact on lenders and borrowers. 🔜 Stay tuned for Part 2, where we explore detection & mitigation strategies to sustain trust in digital lending.

💡Fraud in Digital Lending: Mapping the Risks Lenders Face India reported ₹11,000+ crore in cyber fraud losses in the first 9 months of 2024. 📈 While illegal loan apps dominate headlines, the lender’s perspective is rarely explored. 🧵 🔗Read our latest blog on this:

Fintech plays a key role in this transformation, enabling seamless, real-time credit journeys through innovative solutions. The potential to drive financial inclusion is massive. 🚀 #Fintech #FinancialInclusion #D91Labs #InnerCircle #MeraKal #Credit #LifeInsurance

With 400 million active policies, life insurance is a trusted but underutilized asset. Instead of being surrendered at a loss, these policies can be leveraged as scalable credit solutions, enabling liquidity and building credit profiles.

💡 As part of the D91 Labs Inner Circle, Devyani Parameshwar and @raghavb from Mera Kal explore how leveraging life insurance can unlock affordable credit for underserved households. 👉 d91labs.substack.com/p/transforming…

Our parent fintech, @Setu_API , has 𝐢𝐧𝐭𝐞𝐠𝐫𝐚𝐭𝐞𝐝 𝐍𝐏𝐒 𝐜𝐨𝐧𝐭𝐫𝐢𝐛𝐮𝐭𝐢𝐨𝐧𝐬 𝐢𝐧𝐭𝐨 𝐁𝐡𝐚𝐫𝐚𝐭 𝐂𝐨𝐧𝐧𝐞𝐜𝐭. Curious to learn more? Check out Setu’s blog for details. - blog.setu.co/articles/natio…

With 𝐈𝐧𝐝𝐢𝐚’𝐬 𝐞𝐥𝐝𝐞𝐫𝐥𝐲 𝐩𝐨𝐩𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐞𝐝 𝐭𝐨 𝐭𝐫𝐢𝐩𝐥𝐞 𝐭𝐨 319 𝐦𝐢𝐥𝐥𝐢𝐨𝐧 𝐛𝐲 2050, the need for a robust pension ecosystem is more urgent than ever. This requires focused efforts on financial literacy, access, and better product design.

𝐃𝐢𝐝 𝐲𝐨𝐮 𝐤𝐧𝐨𝐰 78% 𝐨𝐟 𝐈𝐧𝐝𝐢𝐚'𝐬 𝐞𝐥𝐝𝐞𝐫𝐥𝐲 𝐩𝐨𝐩𝐮𝐥𝐚𝐭𝐢𝐨𝐧 𝐝𝐨𝐧'𝐭 𝐡𝐚𝐯𝐞 𝐭𝐡𝐞 𝐟𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐬𝐞𝐜𝐮𝐫𝐢𝐭𝐲 𝐭𝐡𝐫𝐨𝐮𝐠𝐡 𝐩𝐞𝐧𝐬𝐢𝐨𝐧? Our latest D91 Khata on India’s pension landscape tells a story of both progress and persistent gaps.