Lending management system Lending management system

Convergence of Payment and Lending

Whitepaper authored by

Rajesh Saxena, CEO - Intellect Global Consumer Banking
Varadarajan S, Business Head - Intellect Digital Lending



The Indian economy has traditionally been dominated by cash. The recent Government efforts in pushing a cashless economy have resulted in an environment suitable for rapid growth of the digital payment industry.

Digital payment transactions have grown steadily in volume by 24% & by value 15% CAGR over the last four years. However in the last 2 years it has grown by over 32% in volume and 17% in value. This can be attributed to Digital India initiative and other factors as indicated in this paper.

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