EP984: The Real FinTech War? Winning Credit
IBS Intelligence Global FinTech Interviews · 2026-06-02 · 20 min
Episode notes
This interview features MobiKwik CEO Bipin Preet Singh discussing how India’s FinTech landscape is shifting from payments to sustainable, compliant credit ecosystems. He emphasises that innovation must align with the “spirit of regulation,” advocating proactive engagement with regulators and industry‑led SROs. With UPI now commoditised, Singh sees differentiation emerging through credit‑first products, embedded financial services, CBDC integration, and innovations like Pocket UPI and the F1rst RuPay credit card. MobiKwik’s pivot from BNPL to longer‑tenure EMI and secured lending reflects a risk‑balanced, regulation‑aligned strategy supported by co‑lending partnerships under FLDG norms. As the company scales toward its post‑IPO vision, its full‑stack platform - spanning payments, credit, savings, and merchant services - aims to drive responsible, profitable growth
More from IBS Intelligence Global FinTech Interviews
All episodes →- EP1019: Beyond Core Banking: The Rise of the Modern Bank Operating System37 / 100
- EP1018: The Gen Z and Gen Alpha battleground30 / 100
- EP1017: The Quiet Reinvention of Transaction Banking24 / 100
- EP1016: The Cloud Is Rewiring India’s Trading Stack
- EP1015: Modernising core banking - the SBS approach