BENGALURU, Oct 10, 2025—Checkout just got credit-ready: PhonePe’s BNPL weave into 450M UPI users hit 50M loans by Sep, disbursing $10B at 9.99% rates. Walmart’s bet triples volumes, outpacing banks’ 12%—FintechFlow YouTube clips snag 15M views.
CEO Sameer Nigam: “From scan to sanction in seconds.” Vs. 2024’s $5B BNPL, 2025’s 3x jump ties to RBI’s ULI, interoperability scaling.
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Embedded Edge: Seamless Surge
Fintech funding $778M Q3 2024; India #2 globally. AI scoring detects 95% fraud (vs. 25% rise, CERT-In). Slice/Uni grab Gen Z 45%.
User Highs, Hazard Lights
Instant ₹50K for shoppers; TikTok raves (100K). But 1.8% defaults loom—RBI caps, yet 22% low-score rates pinch.
Rival Rundown, Reg Roar
Paytm/Fino lag; Mitsubishi’s $334M DMI infusion heats. Consolidation: 20% digital bank rise.
Lend Wisely
Consent-share data for 10% cuts; cap at 40% income.
- Scale Slam: 50M users, $10B (+3x BNPL).
- Fraud Fortress: 95% AI catch amid 25% threats.
- Rate Relief: 9.99% vs. 12%; ULI interoperability key.
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