Amazon和Flipkart利用UPI数据,在新的RBI规则的支持下,向印度贷款。 Amazon and Flipkart expand into Indian lending using UPI data, backed by new RBI rules.

亚马逊和Flipkart正在扩大为印度的小企业和消费者贷款,利用其占主导地位的UPI支付平台和客户数据。 Amazon and Flipkart are expanding into small-business and consumer lending in India, leveraging their dominant UPI payment platforms and customer data. 亚马逊将通过其获得的贷款人Axio提供贷款,重点是BNPL和商人的现金管理,而Flipkart Finance则在等待RBI批准启动BNPL和耐用商品贷款,利率为1826%。 Amazon will offer loans via its acquired lender Axio, focusing on BNPL and cash management for merchants, while Flipkart Finance awaits RBI approval to launch BNPL and durable goods loans at 18%–26% interest. 这遵循了一项新的RBI规则,允许外国支持的技术公司直接贷款。 This follows a new RBI rule allowing foreign-backed tech firms to lend directly. 印度的消费贷款市场到2025年3月达到2 120亿美元,尽管增长可能放缓。 India’s consumer loan market reached $212 billion by March 2025, though growth may be slowing. 专家说这次行动可能会打乱传统的银行业务,但执行是关键。 Experts say the move could disrupt traditional banking, but execution will be key. 亚马逊也通过伙伴关系提供低限额固定存款。 Amazon also offers low-minimum fixed deposits through partnerships.