亚马逊(Amazon)和菲利浦卡特(Flipkart)正在使用数字平台和新的监管审批程序进入印度消费贷款市场。 Amazon and Flipkart are entering India’s consumer lending market using digital platforms and new regulatory approval.

亚马逊和Flipkart正在扩大为印度的消费者贷款,利用其数字平台和客户数据挑战传统银行。 Amazon and Flipkart are expanding into consumer lending in India, leveraging their digital platforms and customer data to challenge traditional banks. 亚马逊在收购非银行贷款人Axio后,计划提供小企业贷款和现金管理工具,而Flipkart则在等待RBI批准启动无成本分期贷款和高息耐用品贷款,年利率为18%-26%。 Amazon, after acquiring non-bank lender Axio, plans to offer small business loans and cash management tools, while Flipkart awaits RBI approval to launch no-cost installment loans and higher-interest durable goods loans at 18%–26% annually. 根据新的RBI规则,两家公司现在都拥有直接贷款权力,允许外国支持的技术公司经营贷款单位。 Both companies now have direct lending authority under new RBI rules allowing foreign-backed tech firms to operate lending units. 在印度消费贷款市场增长到2025年3月达到2 120亿美元之后,它们进入融资市场,尽管扩张放缓。 Their entry into finance follows India’s consumer loan market growth to $212 billion by March 2025, though expansion has slowed.