In crowdfunding, a number of investors or lenders contribute financially toward the expenses that a project has incurred or would be incurring. Also in crowdfund-ing, the amount of contributions and the desired outcome varies across investor and lending communities. Crowdfunding has a long history of existence and has been done in the past for multiple […]


In most of the emerging nations like China, India, Brazil and Bangladesh there are people who could not get loans through normal banking channels. In these countries, FinTechs have emerged in the last 10–15 years, that are running their business as a profit/nonprofit organization, with a motive to alleviate poverty. Recently this has become a lucrative […]

Payday Lending

Payday lending is an unsecured loan of a small amount of money with a very short payback period, and the payback is usually deducted from the next paycheck of the individual. People would largely take these loans to meet financial commitments like paying for car insurance, etc. The financial commitments for an individual seeking payday […]

Online Lending (B2B/B2C)

The digital channels have revolutionized the entire online lending space. Unlike most P2P lenders who act as merely a marketplace that facilitates lending by enabling investors to lend directly to the borrowers, online lenders use their own funds to lend to either businesses or consumers. Depending on the regulatory requirements, almost all of these online […]

POS Lending

This type of lending is prevalent as a formal channel of lending in most of the established markets. In almost all other markets, this type of lending is existent as informal, ad hoc and circumstantial. The informal lending in most of the cases would happen at POS for the retailer, wherein one would want a […]

P2P Lending

In this form of lending, the transaction is done between individuals directly. The amount involved and the terms of payment are mutually agreed upon by the lender and borrower. This is one of the most prevalent forms of lending in the society. The reason for such lending is usually manifold. It could be to earn […]

FinTechs Disrupting the Lending Business

The lending business is also closely associated, and sometimes have been inter-changeably used, with the credit markets. The credit markets have the same formal and informal categorization. There are typically two types of credit systems—open-end and closed-end credit options. In the open-end type of credit, the credit is of a revolving nature, i.e., the amount […]