The lending industry is undergoing a structural transformation. Banks, NBFCs, HFCs, and fintechs are no longer operating in isolation; they function in a shared ecosystem where collaboration, co-lending, and partnerships are just as common as competition. In this environment, customers demand speed and simplicity, regulators expect governance, and investors look for scalability backed by discipline.
Traditional differentiators such as interest rates, branch presence, or product design are steadily losing their weight. What truly defines competitiveness today is the quality of…
