India’s economic transformation has been one of the most remarkable stories of the last decade. Millions of micro, small, and medium enterprises (MSMEs) have emerged as the lifeblood of local economies, while a fast-growing digital ecosystem, supported by massive data centres, powers the nation’s AI ambitions, cloud computing, e-commerce and global IT exports. But this…
A rise in grocery prices might be the most visible way climate change touches everyday life, but for India’s 6.3 crore micro, small, and medium enterprises (MSMEs), the threat runs far deeper. From factory floors in Faridabad to garment hubs in Tiruppur, climate volatility is becoming an existential business risk one that’s not only reshaping…
As India races towards becoming a $5 trillion economy, one crucial system is quietly doing the heavy lifting beneath the surface of every loan sanctioned, wallet topped up, or MSME financed: Credit Risk Systems (CRS). Once buried deep in compliance departments, CRS platforms have become the central nervous system of India’s lending ecosystem. Between 2025…
In India’s fast-evolving digital economy, where financial services are increasingly delivered through apps, APIs and cloud-based platforms, the notion of trust is being rewritten. Once a function of brand equity or legacy, trust is now a matter of security architecture. And the Reserve Bank of India (RBI) is making that abundantly clear. In 2024, the…
Why India’s Risk Professionals Must Move from Reporting to Readiness As FY25 unfolds, India’s financial institutions are being tested not only by market volatility, but by regulatory transformation, global macro shifts, and the growing digital complexity of the businesses they serve. Risk management, once confined to quarterly compliance reviews, is now a strategic function that…
When India launched the Account Aggregator (AA) framework as the third pillar of its digital public infrastructure following the success of Aadhaar and UPI it was hailed, rightly, as a financial game-changer. For the country’s 70 million small and medium enterprises (SMEs), the promise was clear: ditch paperwork, skip branch queues and access credit faster…
Until recently, sustainability was rarely a factor in deciding whether a micro or small business in India could get a loan. That’s changing fast. What was once seen as a “big business issue” is now deeply embedded in how credit decisions are being made for India’s 6.3 crore+ MSMEs. Environmental, Social and Governance (ESG) risks…
