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Sebi-registered advisors are an endangered species. So who guides retail investors?

Licensed investment guides, or what remains of them, mostly cater to the rich, as complying with regulations means incurring substantial costs. Fintechs like ET Money and Value Research may have a solution for the lot left behind

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Razorpay and Cashfree woke up and chose violence

And Juspay counts on merchants to come to its aid after the two payment aggregators parted ways with it

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Can Kalyan Krishnamurthy’s ‘ideas man’ build another Phonepe for Flipkart?

Flipkart’s interest in backing Super.money has a lot to do with the third wave of UPI. But Super.money is bringing a knife to this gunfight

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Hire the wounded: a Philippine CEO’s strategy to build a new digital bank

After laying strong foundations for the Philippines’ biggest e-wallet, Albert Tinio is back at it again. The co-head of Gotyme shares his secret to convincing millions of people to bank digitally

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RBI dug a pit for Razorpay. Razorpay just built a ladder

The last quarter was the company’s best in two years as it scrambles to onboard merchants and tries to make the most of a year-long regulatory ban

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“Where is Kunal Shah?” ask most Cred employees

The founder-CEO's insistence on having a workforce that is largely self-reliant is now impeding the fintech's growth

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For fintechs, RBI is the boy who cries wolf

Earlier this year, the banking regulator audited fintechs and flagged concerns with regard to daily operations, pricing, and credit risk. Fintechs see this as ‘RBI overreach’

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Lightspeed, Accel’s search for a fintech fit leads them to an unlikely bet

Three-year-old Shivalik Small Finance Bank is everything a fintech isn't

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Jupiter’s non-bank ambitions hinge on its shaky neobank origins

The fintech’s lending play is wholly dependent on its ability to upsell loans to its existing customers

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Southeast Asian companies devour AI investments, thanks to the US-China tiff. Is there a limit?

American and Chinese tech giants, such as Microsoft and Alibaba, are competing in Southeast Asia, where local service providers are using AI to attract young, tech-savvy users

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Sea’s fintech arm was once just its sidekick. Now, it’s a budding star

Sea Limited’s digital financial-services arm has found a steady earnings footing by straying from its own ecosystem

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Kreditbee told a profitable story by dishing out small loans. Now, it must look at safe loans

The lender must secure its portfolio as it gears up for its IPO, even though it already makes solid profits from its loans

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What does Razorpay have to show for its $150 million Ezetap acquisition?

To give its digital-only identity a facelift, the payments giant zeroed in on a lucrative offline market. But it’s proving a tougher nut to crack—even if there's a Paytm*-shaped void

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Paytm wants to know: where are the merchants without QR codes?

In a saturated, competitive market, thousands of field agents working for Indian fintechs hustle daily to ensure that merchants choose their platform

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Why Indonesia’s digital banks are shying away from businesses they wanted to power

Outstanding MSME-segment loans of the country’s top three digital lenders—Seabank Indonesia, Bank Jago, and BNC—fell 22% in the nine months to September

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Slice proves RBI can love fintechs, after all

The nod for Slice-North East Small Finance Bank merger shows that the regulator is open to using fintechs to rescue troubled banks

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PayU faces uphill task to regain its lost edge

A failed acquisition, loss of market share, a pending licence to operate—payments provider PayU has its work cut out

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Upbanx claimed a US$120M valuation. Its loan products still don’t show for it

KPMG and the media consider the fintech to be the next big thing in Indonesia. But its products for content creators are still small

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Onecard sailed past RBI hurdles, only for banks to hold it back

The metal card survived RBI’s regulatory storm that hit rivals Slice and Uni, but its bank partnerships are tempering growth

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Linkaja bought Igrow for growth but got legal trouble instead

Little did Linkaja know what was in store when it acquired the peer-to-peer lender to bolster its entry into financial services

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Xendit on self-disruption quest after shaking up Philippine fintech market

After tasting success early in the Philippines, the Indonesian company shifts focus to BNPL and lending to shore up margins

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When a ‘no’ from Sequoia ensured a Philippine insurtech’s survival

Hamilton Angluben led the finserv arm of the world’s largest pawnshop chain and catapulted one of the first fintech-lending apps in the Philippines to success. Now, he is finding the balance between crazy and brilliance as a pioneer in the country’s insurtech sector

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Paytm’s results hint at a turnaround. But loan-collection hacks drive it

The fintech giant’s 250% loan growth reveals a distribution machine. It has packaged its onboarding and collection services to entice its lending partners. Yet, the market is divided on this strategy

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Once invincible, Slice finds itself trapped between banks, regulators, and products

India’s central bank has thrown many curveballs at the unicorn lending fintech, leaving it to navigate a complex path. Despite the efforts to steer its way out with new products, Slice finds itself adrift in a sea of dwindling user numbers

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Globe CEO Ernest Cu on building a telco titan using startups and BPO expertise

Though Philippine telco Globe started out as the industry latecomer, Ernest Cu's leadership propelled it to market dominance. Now, Cu is guiding the company towards another transformation

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India’s new financial data-sharing system has US$400M fintech Lentra turning towards Southeast Asia

A regulatory shift in the way India handles financial data is likely to disrupt Lentra’s space. And while other geographies offer new opportunities, they also come with local challenges

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Fintechs use deposit war to pitch save now, buy later

With rising interest rates and looming job losses, three young fintechs—Multipl, Hubble, and Tortoise—are pitching save now, buy later as the way forward for a range of purchases. But this is something banks have tried in the past, without much success

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Home Credit’s US$650M Southeast Asia business sale has a logic: be a bank or let one buy you

Home Credit sold its Indonesia and Philippine units to Japanese and Thai banks in November. India and Vietnam remain part of the group. It was not a grand exit for the consumer-lending firm, but a path likely to be followed by peers

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US$2.4B Piramal Finance turns to fintechs to turbocharge its retail-growth story

Piramal Finance, one of India's largest non-banking lenders, is taking hits in its traditional business model and attempting a 180-degree flip, thanks to far smaller companies. But this is at a time when fintechs are facing an acute funding crunch.

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Why payment apps and P2P-lending platforms are scratching each other’s back

The likes of CRED and MobiKwik want to lend to their customers when several fintechs have been unable to do so with NBFCs. And peer-to-peer lending marketplaces, struggling to scale, are now keen to acquire customers at low costs

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The uphill battle for startups to win over Filipino neighbourhood stores

Filipino mom-and-pop stores control the lion’s share of all retail transactions. B2B players are eager for a slice of the pie, but the real prize may be the micro-merchants’ communities

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Binance finds new crypto playground in Vietnam and Cambodia’s legal grey space

The world's largest cryptocurrency exchange is attempting to curry favour with regulatory bodies in Vietnam and Cambodia after hitting the legal wall in other Southeast Asian countries

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Uncharted Accounts: What SoftBank-backed BNPL platform Atome’s rosy financials hide

The Singapore-based fintech doubled its revenue to ~US$190mn and posted a profit of US$30mn in 2021. But neither figure paints a pretty picture of BNPL’s prospects

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It’s a race against time for Indonesia’s Bank Neo Commerce as regulators close in

Having postponed its rights issue twice this year, the Ant Group-linked neobank plans to give it a go again in October, before new rules requiring bigger cash reserve kick in January 2023

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Indian fintechs’ regulatory anxiety is the Big Four’s next lucrative bet

Deloitte, EY, PwC, and KPMG have unlocked a new, high-margin revenue stream: making sure fintechs don't fall afoul of rapidly changing rules

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The key to US$7.5B Razorpay’s neobank success: payroll management?

The payment gateway is doubling down on payroll management to grow its neobanking platform, RazorpayX. But its self-imposed limitations could prove to be counterproductive

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For Indian neobanks, raising $900M in funding was the easy part

The hard part was developing an identity, which is now a bit of a crisis. Slick features and offerings have attracted a few million users, but growing revenue will require changing customer behaviour and building trust

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PayMaya’s silver bullet in Philippine e-wallet battle with GCash

Fintech Voyager, the parent of e-wallet PayMaya and newly launched digital bank Maya Bank, became the Philippines’ second unicorn earlier this month. In its sights is the Philippines’ top e-wallet spot, currently held by rival GCash

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Dana, a US$225m puzzle piece in Sinar Mas’ half-hearted image makeover

The wealthy Widjaja family’s business empire spans palm oil, mining, property, and financial services. While Sinar Mas has fended off lawsuits and critics for decades, its newfangled digital ventures—including crypto—are trying hard to cultivate a clean, modern image

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HDFC rescue mission gives wings to Zeta’s banking tech ambitions

Bagging India's largest private lender as a client has boosted Zeta's ambitions and helped it bag funding. But what the firm promised HDFC Bank is yet to be delivered. Success could be the proof-of-concept for Zeta's ambitions but failure could hobble its flight

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