Fintech Regulation

Welcome to the 201st edition of The Pattern, a weekly newsletter on the latest in finance, technology, and

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.

A pause from constraint, not comfort

The stock market tracks the giants, but these pings track desperation.

For nearly a decade, we've operated in a minimal friction, growth-first economy. This week, the costs have become impossible to ignore.

It's an interesting reminder of how global events move through an economy.

Every time a financial scandal breaks, the instinct is to treat it as an isolated failure

Higher prices mean borrowers can raise more against the same jewelry.

The RBI kept the repo rate unchanged at 5.25% and retained its neutral stance, exactly in line with expectations.

Credit is no longer just about growth or ambitions. For many people, it's becoming a financial response to life's curveballs.

The race to build the best AI model is quickly becoming less important than the race to build the best product around AI.

As 2025 closed, a trio of developments in Indian banking hinted at more than just another credit cycle