Where Did My Money Go? A Monthly Money Review
Review where your money went with a practical monthly checklist, a worked bank-balance example and one clear action for the month ahead.
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Why Your Bank Balance Is Not Your Spending Budget
Work out how much you can spend after bills, essentials and protected savings. A worked example explains why bank balance is only a starting point.
Track UPI and Card Expenses Without Double Counting
Track UPI, bank and credit-card expenses without counting a purchase twice. Work through transfers, repayments, refunds and cash.
Your Financial Data, Your Choice: What ReBIT’s New AA Standards Change
Understand ReBIT’s AA client standards, the October 31 deadline, and what clearer consent, stronger authentication and reporting mean for users and fintechs.
The Investor Lens: Why Trust-First Lending Is the Better Bet
Lending, Reimagined, Part 7 of 7 A lending business can report a strong month while its customers have a difficult one. Disbursals rise. Revenue…
The Regulator’s Dilemma: What Policy Could Do Next
Lending, Reimagined, Part 6 of 7 A borrower can receive every disclosure, tick every box and still take a loan that makes their life…
What User-First Lending Actually Looks Like
Lending, Reimagined, Part 5 of 7 A person asking for a loan is not necessarily asking for more debt. They may be asking for…
The Fintech Failure: Why “Digital” Didn’t Mean Better
In 2016, a friend of mine who had spent years in traditional banking left his job at a private bank to join one of…
The User Nobody Asks: What Borrowers Actually Experience
A few months ago, someone messaged Finanjo through Reddit. Not a customer, not someone we had ever spoken to. He had seen a comment…
How We Got Here: A Short History of Digital Lending in India
In 2019, my phone started getting the same kind of message that thousands of other Indians were getting. A friend, at the time working…
