FinBox Research
Request demo
FinBox Research · the lending knowledge index

Ask FinBox
Intelligence.

A single, searchable index of everything we know about lending in India — articles, guides, case studies and the research behind the decisions.

>
what is a business rules engine? account aggregator MCP in lending embedded credit
Guides & reports

Whitepapers, playbooks & research

Deep, practical guides for building and scaling digital lending products.

All guides
Digital credit infrastructure - A FinBox Guide
A guide to building modern credit products at scale — covering loan origination, decisioning, loan management, and the orchestration layer that ties them together.
Digital Credit Infrastructure 11 min read
Guide to digital lending fraud
Static rules, risk scoring, velocity checks, and machine learning — the four-layer detection approach that prevents defaults at 3–5x the average rate.
Banking Fraud 11 min read
Guide to KYC for digital lending
The four KYC methods Indian digital lenders can run today — physical, video, Aadhaar e-KYC, and C-KYC — plus the regulatory map, the cascade, and the checklist that survives an RBI audit.
KYC 11 min read
Featured report

State of Digital Lending 2026 - A FinBox report

Every stat and insight about lending in India in one comprehensive report.

digital lending report
FinBox Research
11 min read
read
Read the report
Case studies

What lenders shipped with FinBox

Outcome-led stories — TAT, disbursal growth, fraud reduction.

All case studies
Digital-first credit transformation for Indian NBFC - A FinBox case study
How a leading NBFC took the third option — partner instead of build-or-buy — and now originates 60% of its loans digitally across proprietary apps, 40+ point-of-sale partners, and an omnichannel co…
NBFC 11 min read
EDI stack and Kerala NBFC - a FinBox case study
How a 135-year-old Kerala-headquartered NBFC with 3,700+ branches built a digital MSME credit product on top of QR payment platforms — and grew disbursement value 3x.
Equal Daily Installments 10 min read
Equated Daily Installments - A FinBox case study
How an accounting platform with 10 million SME customers turned in-app credit from a good-to-have into a must-have using FinBox's EDI stack.
EDI loans 10 min read
Browse by topic

Content hubs

Every article, guide and case study — organised by the way India lends.

All topics
Embedded Finance
103 articles
Credit Decisioning
171 articles
MSME Lending
108 articles
Account Aggregator
45 articles
Business Rules Engine
24 articles · Sentinel
Atlas — Agentic AI
31
Newsletters

Lending intelligence, in your inbox

Three editorial desks. No noise, no hype.

All newsletters

Infinite Loop

Fintech infrastructure deep dives — the systems and protocols rewiring lending.

Deep dives

The Pattern

Trends shaping digital lending — markets, regulation and macro, weekly.

Weekly

Founder's View

Rajat's take on fintech & building — candid notes from the founder's desk.

Occasional
Latest research

From the FinBox research desk

Articles, analysis and practical frameworks for India's lending ecosystem.

All articles
SentinelWhat is a business rule engine in lending?
What is a business rule engine in lending?
Modern lending systems are evolving from static underwriting workflows into continuously adaptive decision infrastructure — what a BRE is, how it fits the modern credit stack, and what separates AI-native decisioning from AI-washing.
Sentinel
How Cars24 reduced end-to-end loan TAT by 80% - and what made it possible
Cars24 cut credit decisioning TAT by 80% with Sentinel AI
Case-study 4 min read
Credit decisions through chat: Sentinel AI is now MCP ready
The AI transformation: A new era in agentic lending
3 min read

Ask anything. Get the FinBox view.

Search 1,200+ pieces of lending research, or talk to the team building India's credit stack.

Start asking Request demo