This project wasn’t just another research exercise; it was an exploration of an industry poised for transformation. We meticulously traced the evolution of India’s Fintech lending ecosystem, identifying the key drivers of growth, emerging business models, and the critical bottlenecks stalling progress. Our work highlighted how fundamental lending challenges—like access to credit for underserved segments—were creating vast opportunities for innovative digital solutions.
We uncovered trends that defined the industry’s trajectory: the rise of point-of-sale (POS) lending, the growing popularity of peer-to-peer (P2P) platforms, and the surge in short-term credit products catering to consumer demand for instant financing. It became evident that data was the industry’s linchpin—better data meant better analysis, lower default rates, and ultimately, healthier margins.
What made this research even more compelling was its potential impact on policy. The Fintech lending space was so new that our findings had the power to shape regulatory discussions. The recommendations section, which I led, offered actionable insights: addressing digital customer onboarding challenges, fostering innovation, and improving credit access for MSMEs. These were not just theoretical suggestions but practical steps to unlock the industry’s full potential.
Being part of this research gave me firsthand experience navigating the intersection of industry evolution and policy advocacy. It deepened my understanding of how strategic insights can drive market leadership—and that’s precisely what I bring to my clients today at Konsult Komal. Whether it’s crafting market entry strategies or guiding policy engagements, my approach is rooted in the same research-driven, impact-oriented mindset that shaped this report.
For businesses looking to navigate complex landscapes and influence the ecosystems they operate in, my consultancy offers a unique blend of strategic advisory and policy expertise. Because sometimes, the right insights don’t just help you adapt to the future—they help you shape it.