FinTech Compass – July 2026

This report by TransUnion CIBIL, explores the dynamic landscape of FinTech lenders in the evolving macro-economic environment, characterized by their innovation, agility, and speed of delivery, driven by advancement in technology. This edition of FinTech Compass report highlights -

• FinTechs continue to scale credit supply, accounting for ~25% of retail originations by volume. Small-ticket personal loans remain central, while increasing participation in higher-ticket personal, business, and property loans signals improved origination value.
• Growth is driven by existing-to-credit borrowers (~94%), while younger and semi-urban new-to-credit segments introduce new credit cohorts requiring differentiated underwriting approaches.
• Precision-led targeting using data and segmentation can unlock ~33% growth while improving portfolio performance (~14% reduction in delinquencies). Leveraging bureau maturity, behavioural attributes, and targeted acquisition strategies enables lenders to improve conversion efficiency and drive sustainable, risk-adjusted growth.