Latest posts
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Spice Money Ojas Moves Agentic AI Into Live Financial Workflows—but Governance Is the Real Test
Spice Money Ojas moves beyond conversational AI by attempting to execute authorised financial-service actions on live systems. But as fintech agents gain operational authority, governance and accountability become as important as language capability.
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HyperVerge AI Underwriting Targets MSME Credit Gap, But Human Accountability Is the Real Test
HyperVerge is using three AI agents to compress complex MSME underwriting work from hours to minutes. The bigger question is whether human oversight remains meaningful as AI takes over more of the evidence-gathering process.
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Muthoot Finance Conversational AI Drives 150% More Branch Visits, but the Bigger Test Is ROI
Muthoot Finance’s conversational AI deployment shows how AI can connect digital gold-loan demand with its physical branch network. But the missing conversion and ROI data leave the bigger business impact unanswered.
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Investment UPI: What UTI Mutual Fund and Multipl’s New Category Doesn’t Say
UTI Mutual Fund and Multipl have launched Investment UPI, keeping spending money in a liquid fund while paying through UPI. The fine print — a Rs 50,000 daily redemption cap, exit loads, stamp duty, and slab-rate tax on every payment — tells a more cautious story.
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Zoho Indian Merchant Payment Survey: 78% Would Switch Gateways for AI, But the Findings Serve Zoho
Zoho’s self-conducted survey of 700+ Indian businesses finds 78% would switch payment gateways for AI capabilities. But the findings map precisely onto Zoho Payments’ product strategy, and Zoho Payments is absent from every major market research firm’s competitive landscape.
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Hurr Freelance Growth Initiative: Saudi Platform Bets on WhatsApp Contracting
Hurr, a 12-person Saudi freelance platform, announces a $2M “growth initiative” — but the figure is projected opportunity value, not funding or revenue. The real story is WhatsApp-based AI contracting, an Elherfa acquisition with no terms, and partnerships against a government platform that charges 0% commission.
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Perfios Agentic AI GFF 2026: PM Modi Showcases India’s Credit Infrastructure Pivot
Perfios presented its Agentic AI OS to PM Modi at GFF 2026, claiming 90% of India’s digital loans run on its platform. But Yubi, FinAGG, and FinBox are closing in, the “India’s first” claim is debatable, and the press release omits deployment status, pricing, and regulatory clearance. Here’s what it doesn’t say.
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ISFB Finance & AI Program: Imarticus Launches India’s First Finance-AI Postgraduate Course
ISFB’s 50-week Finance & AI Program claims to be India’s first. But IIM Calcutta has run FinTech and AI executive programs since 2019, and the press release omits program fees, placement outcomes, and fintech partnership specifics. Here’s what the announcement doesn’t tell you.
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RBI Proposed Lending Rules Put New Focus on Non-Revolving Credit Technology
RBI’s proposed lending rules could push NBFCs toward term-loan structures, creating new technology requirements around non-revolving credit, multiple drawdowns and repayment management.
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Finmo: AI-Native Treasury Platform Wins Asia FinTech Award
Finmo has been named FinTech of the Year at the Asia FinTech Awards 2026 for its AI-native Treasury Operating System, which brings payments, cash intelligence and treasury management together.