Rajat Deshpande

Jan 14, 2025 | dqindia.com | Rajat Deshpande

The Indian fintech industry is a hotbed of innovation, propelling millions into the fold of formal credit and revolutionising the way financial services are delivered. Yet, this meteoric rise comes with its share of turbulence. Fintech companies today find themselves walking a precarious tightrope - striving to achieve explosive growth while navigating an intricate and evolving regulatory landscape.

Nov 22, 2024 | cxotoday.com | Rajat Deshpande

By Rajat DeshpandeThe role of the private sector in digital public infrastructure (DPI) has been severely understated. It is often assumed that digital public infrastructure is strictly “public”, or government owned. However, this could not be further from the truth. All pieces of DPI in India can be described as rails developed by the public sector, upon which private sector players can innovate to deliver products and services.

Oct 7, 2024 | thetechstreetnow.com | Rajat Deshpande

27 minutes ago   expresscomputer.in By Rajat Deshpande, CEO & Co-Founder, FinboxThe rise of digitisation in financial services has left stakeholders – from institutions to customers – exposed to fraud risks like never before. RBI reports a 166% YoY increase in bank-sector fraud cases in FY24. Online fraud cases rose by 334% too.

Jul 2, 2024 | etedge-insights.com | Rajat Deshpande

In 2020, Angela Strange from Venture Capital Firm Andreessen Horowitz (now a16z) penned a piece titled ‘Every Company Will be a FinTech Company’. Fast-forward to today, and the statement stands truer than ever. Most digital platforms we engage with daily offer at least one version of banking as a service. We’re fast moving away from a world where customers go to brick-and-mortar branches or avail of net banking services. Today, banks are present where customers transact.

Jun 10, 2024 | yourstory.com | Rajat Deshpande

When one thinks of the evolution of the business of lending, it’s only obvious to cite the digital leaps we've witnessed in the past decade. But digital lending, despite its sharp growth, still only makes up a small part of India’s larger credit landscape. For perspective, online lending made up 12% of the total loans disbursed in 2022. This percentage is predicted to grow to 17% in 2026.