Fintech with Sukhjinder

Fintech with Sukhjinder is a Substack by Sukhjinder Singh that explains how Indian fintech works under the hood, from a person with 15-plus years in API SaaS, payments, digital lending and risk. New "Fintech this week" issues arrive roughly weekly.

Recent issues

The 10 October issue, "open data, delayed fees and ads inside the chat", covered RBI Account Aggregators, UPI fees and card growth. On 2 October the theme was whether India's financial plumbing is growing up faster than its innovation, with new launches, listings, automated cards and simpler KYC. The 25 September issue argued that the digital rails are entering their pricing chapter, asking if Account Aggregator and UPI economics can sustain themselves.

Evergreen material

A "Start Here" page orients new readers. "Learn Indian Fintech" is a structured path from basics through regulation, lending and payments. "The Complete Pre-Approved Lending Playbook" (8 September) walks through how fintechs turn a user base into credit offers and what has to work behind the scenes.

For anyone pricing UPI acceptance, tracking RBI circulars or building lending flows in India, it is a compact weekly read.