Meenakshi Kolay

Financial Services Professional exploring the world of Fintech and Learning AI

Regulatory

UPI MDR 2026: What Bill No. 150 Actually Changes.

Aug 11, 2026

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9 min read

UPI MDR 2026: What Bill No. 150 Actually Changes.

Parliament just passed the bill, what changes and who gets paid now?

Meenakshi Kolay

Regulatory

RBI's Draft Model Risk Management Guidance

Jul 24, 2026

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5 min read

RBI's Draft Model Risk Management Guidance

RBI's draft Guidance on Regulatory Principles for Model Risk Management, 2026 brings every model a bank, NBFC, or credit information company runs, from a loan-pricing spreadsheet to a generative AI chatbot, under one governance regime.

Meenakshi Kolay

Digital Lending

Jul 9, 2026

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9 min read

From EarlySalary to Fibe

A deeper look into the Fibe IPO

Meenakshi Kolay

Regulatory

RBI's AI-ACT&RS: The June 30 Deadline Nobody Is Ready For

Jun 25, 2026

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6 min read

RBI's AI-ACT&RS: The June 30 Deadline Nobody Is Ready For

What the advisory actually requires — and the gap between paper compliance and real preparedness

Meenakshi Kolay

Digital Lending

Jun 10, 2026

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8 min read

Building the AI-First Lender in India Part 6: Collections

Collections Is Where the AI-First Lender Proves Its Thesis. Part 6 of the Building the AI-First Lender Series.

Meenakshi Kolay

Infographics

Jun 8, 2026

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3 min read

India in Numbers- May

Interesting Infographics on India- All May posts in one place

Meenakshi Kolay

Building the AI-First Lender in India Part 5: AI-First Loan Servicing in India

Jun 3, 2026

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10 min read

Building the AI-First Lender in India Part 5: AI-First Loan Servicing in India

Fraud Detection in Lending: Building It In, Not Bolting It On

Meenakshi Kolay

Digital Lending

Building the AI-First Lender in India Part 4: AI Fraud Detection and Compliance

May 25, 2026

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14 min read

Building the AI-First Lender in India Part 4: AI Fraud Detection and Compliance

Fraud Detection in Lending: Building It In, Not Bolting It On

Meenakshi Kolay

Building the AI-First Lender in India Part 3: Credit Underwriting

May 16, 2026

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11 min read

Building the AI-First Lender in India Part 3: Credit Underwriting

AI Credit Scoring India 2026: Beyond the CIBIL Score

Meenakshi Kolay

Digital Lending

Building the AI-First Lender in India Part2: Origination

May 6, 2026

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7 min read

Building the AI-First Lender in India Part2: Origination

AI first origination has been adopted whole heartedly by lenders building both accuracy and efficiency in the system.

Meenakshi Kolay

Infographics

Apr 28, 2026

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4 min read

India in Numbers- April

Interesting Infographics on India- All April posts in one place

Meenakshi Kolay

Digital Lending

Apr 27, 2026

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6 min read

Building the AI-First Lender

What changes when you start a lending institution from scratch- no legacy, no shortcuts just build

Meenakshi Kolay

UPI

Credit Line On UPI can turn into India's Credit Goldmine, Slice has made the first move

Apr 1, 2026

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12 min read

Credit Line On UPI can turn into India's Credit Goldmine, Slice has made the first move

Credit Line on UPI can take consumption credit to new highs, banks have been slow to move on it. But things might change as Slice is back to its aggressive pay in 3 product now on CLOU.

Meenakshi Kolay

Digital Lending

Mar 17, 2026

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13 min read

India's First Digital Lending IPO : Inside Money View's DRHP

Profitable, Tier-2 dominance, and a large managed AUM base across customer segments. Here's what the Money View DRHP tells us about its strategy

Meenakshi Kolay

Consumer Awareness

Mar 8, 2026

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9 min read

Dark Patterns in Lending

RBI is recognising the usage of Dark Patterns especially in Digital Lending. In its latest amendment "Responsible Business Conduct" the dark patterns are mentioned explicitly. This newsletter aims to explain these dark patterns, and how they are misleading customers.

Meenakshi Kolay

Fintech

Jan 31, 2026

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10 min read

Phonepe vs Paytm

How do the two giants stack up in their fintech play

Meenakshi Kolay

Jan 20, 2026

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6 min read

The AI Revolution in Collections

Why lenders cannot afford to sit out in the new age of collections

Meenakshi Kolay

ecommerce India

Lending Wars: How Amazon, Flipkart and Meesho are betting big on lending

Dec 23, 2025

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7 min read

Lending Wars: How Amazon, Flipkart and Meesho are betting big on lending

The ecommerce wars have now expanded to Fintech, as the three e-commerce giants focus on fintech to monetise their user base and boost profitability

Meenakshi Kolay

Regulatory

Unlocking the Consent Manager Opportunity

Dec 4, 2025

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5 min read

Unlocking the Consent Manager Opportunity

A new category of regtech is getting formed under the DPDP Act. Consent managers will manage consents given by the growing digital population in India

Meenakshi Kolay

Regulatory

Nov 18, 2025

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6 min read

DPDP Act finally in action

Financial services face a new reality: data is now heavily regulated, and penalties are steep

Meenakshi Kolay