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

🤔 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.

🤝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 👉

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:

#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 at these stages increases:. 👉 Verification costs. 👉Non-performing assets (NPAs). 👉 Delays for genuine borrowers, eroding trust in digital lending platforms. Lenders are walking a tightrope. 🎭.

Fraud emerges at 3 key stages of the digital lending journey:. 1. Onboarding & KYC: Fast approvals meet falsified identities. 2. Underwriting: Manipulated data leads to bad loans. 3. Loan Collections: Fraudsters exploit repayment processes to evade obligations.

In digital lending, trust is a two-way street:. ▶️ Lenders must protect their operations from bad actors. ▶️Fraud prevention measures shouldn’t alienate genuine borrowers. A delicate balancing act that demands vigilance and innovation. ⚖️.

💡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.

Did you know? 50% of life insurance policies in India are lapsed or surrendered within 5 years, often due to liquidity challenges. This highlights a critical need for innovative credit solutions for ‘middle India.’.

💡 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. 👉

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

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.

⚠️  𝐓𝐡𝐞 𝐂𝐡𝐚𝐥𝐥𝐞𝐧𝐠𝐞𝐬:.~ Women make up 44% of subscribers—a positive trend, but the gender gap persists. ~ 89% of subscribers are from non-metro areas, yet awareness about pension schemes remains low.

📊  𝐊𝐞𝐲 𝐒𝐭𝐚𝐭𝐬:.~ 7.36 Cr subscribers, but only 5% of the population is covered by NPS and APY. ~ 75% of subscribers rely on the Atal Pension Yojana (APY), a lifeline for unorganized workers. ~ 90% of the ₹11.73 lakh crore AUM is managed by just three Pension Funds.