EP1021: The New Architecture of Credit

This interview features Balaji Vasudevan of SysArc Infomatix, discussing the evolution of India’s digital lending through regulatory innovation and API-driven ecosystems. He emphasizes the RBI’s Regulatory Sandbox as essential for testing products like LENDperfect Shishu Mudra, which reduces compliance risks. SysArc’s API BUS streamlines bank-FinTech collaboration, while proactive tools like Early Warning Systems shift risk management from reactive to preventive. Vasudevan highlights how zero-touch mobility solutions drive rural financial inclusion and how FUNDperfect supports MSMEs with revenue-linked credit. While competitors focus on cloud-native models, SysArc differentiates itself through nearly thirty years of domain expertise and deep alignment with India-specific regulatory nuances. Ultimately, technology is transforming traditional services like locker management now into fully integrated and technology-driven digital banking ecosystems today.