Smartphone Financing: Inclusion & measured regulation

Our Founder & MD, Mr. Shriram Subramanian, shared an insightful article on Times of India on India’s smartphone financing ecosystem, which is at a crossroads. After years of rapid growth driven by no-cost EMIs and fintech-led digital lenders, the sector is now showing signs of moderation. The pause on remote-locking features for financed devices has created uncertainty for lenders while raising concerns about borrowers’ access to essential services like UPI payments, education, and employment tools.

Mr. Shriram Subramanian highlights the importance of a balanced regulatory approach, noting that smartphone financing should maintain inclusion gains while ensuring repayment discipline through calibrated enforcement and robust privacy safeguards. By enabling proportional device control rather than full lockouts and protecting essential functionality, India can continue to expand digital access responsibly.

Read full article: https://timesofindia.indiatimes.com/technology/tech-news/smartphone-financing-inclusion-and-measured-regulation/articleshow/126407312.cms