Sentinel
One application, five shapes: how AI is rewriting onboarding
A credit head at a mid-sized NBFC told me recently about something that had been bothering her. Her
The FM just held a meeting that should worry every lender in India
Welcome to the 201st edition of The Pattern, a weekly newsletter on the latest in finance, technology, and
Case-study
How Cars24 reduced end-to-end loan TAT by 80% - and what made it possible
Cars24 cut credit decisioning TAT by 80% with Sentinel AI
Four years later, an industry reshaped
Five themes ran through nearly every edition we published over these four years. We're naming them plainly -- and saying what each one actually meant.
Why AI killing the loan application form is good for lending
There's a loan officer I spoke to some months ago at a mid-sized NBFC. His team spent roughly half their day calling people who had started applications and gone quiet.
Two MPCs, same number, different story
A pause from constraint, not comfort
The Infinite Loop No.21: AI-first credit: Slow lenders won't survive
The cost of 16-week product launch timelines in the age of AI.
Is India growing, or borrowing its way there?
The stock market tracks the giants, but these pings track desperation.
The great repricing of everything
For nearly a decade, we've operated in a minimal friction, growth-first economy. This week, the costs have become impossible to ignore.
MCP-The protocol that rewires lending
There's a moment in every technology cycle when the infrastructure catches up to the ambition.
When the war reaches your kitchen
It's an interesting reminder of how global events move through an economy.