Notes on India's financial infrastructure.
Plain-English explainers on payments, identity, lending and fraud — written for people building in Indian BFSI. See also the fintech glossary.
AI voice agents for collections in India: a practical guide.
DPD buckets, RBI fair-practice, PTP metrics — where automation actually fits.
Speech analytics for BFSI compliance: why sampling fails.
1–2% QA sampling vs 100% coverage — disclosures, prohibited language, sentiment.
WhatsApp banking in India: what actually works.
High-volume journeys, platform rules, and the bot-plus-human pattern.
How UPI actually works — a plain-English guide.
NPCI, PSPs, TPAPs, and what happens in the seconds between tapping "pay" and money moving.
KYC in India: the types, and when each applies.
Full KYC, eKYC, V-CIP, CKYC and DigiLocker flows — and why onboarding funnels leak.