Sachin Seth
- Indexed articles, last 90 days
- 4
- Latest publication
- Aug 21, 2026
- Outlet visibility, for Livemint
- Top 10K sites
- Earliest in this view
- Jul 22, 2026
Latest articles
Why risk is becoming more distributed across India’s lending ecosystem | Mint (opens the original)
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The lending ecosystem world over has become significantly more interconnected over the past decade. Traditionally, a financial institution was contacted by the borrower, who handled every stage of the lending journey, from customer acquisition and underwriting to funding, servicing and collections. However, in this new era, collaboration is key as banks, non-banking financial companies (NBFCs), fintechs, and technology platforms work in partnership. While the customer journey spans multiple plat
As India grows, so does its appetite for credit. But who is being left out? | Mint (opens the original)
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Borrowing today isn’t just about covering a cash shortfall; it’s become a deliberate part of financial planning. People take loans for many reasons: to buy a home or vehicle, to invest in a business, or simply to enjoy aspirational purchases without liquidating investments. Increasingly, borrowers weigh the opportunity cost of selling long-term investments against the cost of borrowing. Many prefer to keep investments that have performed well over the past four to five years and instead borrow a
Digital lending in India: How Aadhaar, payments and account aggregators are changing credit | Mint (opens the original)
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The evolution of India’s lending ecosystem is a result of systematically building digital pathways for data and analytics through consistent investment in innovation. This has been the result of a true public-private partnership, which reflects the convergence of multiple systems that work together, from digital identity and payment infrastructure to credit bureaus and consent-based data sharing. Together, these systems are reducing friction, improving data flow, and creating pathways for faster
How account aggregators are making credit more inclusive in India | Mint (opens the original)
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India has built one of the most advanced Open Finance infrastructures in the world through the Account Aggregator framework. This allows individuals and businesses to securely share financial data with consent across financial institutions using standardised APIs. The Account Aggregator framework, introduced by the Reserve Bank of India as part of India's digital financial infrastructure, enables secure, consent-based sharing of financial data between institutions. Access to credit in India, for
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