Reading between the credit lines
When banks talk about growth, the number everyone focuses on is simple: how fast loans are rising.
What Apple's AI strategy signals for FinTech platforms
The race to build the best AI model is quickly becoming less important than the race to build the best product around AI.
Fraud has changed. Now verification must too.
Over the last six years, total losses from fraud and cheating cases are estimated at over ₹53,000 crore.
Your AI assistant Is now your gateway to Sentinel AI
Modern lending stacks already make thousands of decisions every day — but turning those decisions into timely action across
The next test for India's banking system
As 2025 closed, a trio of developments in Indian banking hinted at more than just another credit cycle
The Pattern No.185: India's financial system crossed a point of no return in 2025
FinTech's progress in 2025. And what it means for 2026
How AI became the engine of modern finance in 2025
AI has officially and authoritatively moved from our newsfeeds to our daily workflows.
Are you underusing Account Aggregator?
Harness massive untapped value beyond underwriting
Google's new card shows where credit is headed next
Welcome to the 184th edition of The Pattern, a weekly newsletter where we dive into the latest from
How Superflows puts your risk team in control of verification for digital lending
Borrower verification is the foundation of lending. If verification fails, even the strongest risk policies hold no value.
What cheaper loans mean in a heavily indebted nation
If you're an Indian borrower today, two things are happening at once. Your home loan is getting cheaper.
The journey is the policy - Rethinking digital lending for 2026 and beyond
I've started noticing a quiet shift in the digital lending landscape over the past year.