Lenders will outlast online loan platforms

Founders building a business for the long-term (ie. 10+ years) will need to consider the disadvantages of platform models.

Digital lending is not a winner-takes-all business

Several entrepreneurs and investors have argued that a digital lending “winner will take all”. The evidence seems flimsy.

Giving users a fix that’s 10x better

As seen through using Bitcoin to power international remittances

A growing number of players seem to use bitcoin for financial services. The most common use appears to be for powering person to…

Borrowing on Blockchain (?)

Can blockchain and related technologies solve India’s huge lending gaps?
Written for an Indian business periodical (forthcoming).

India’s banking system has earned global recognition for its rapid growth in accounts, strong…

Earlier publications

Papers and studies I’ve written or co-authored, on topics including mobiles for financial services, branchless banking regulation, investment in microfinance, digital healthcare models, and others.

Plug-and-play digital finance?

What will small-mid sized banks, MFIs, credit unions etc. do when…