What's Actually
Happening in Device Financing
Data, trends, and analysis on the device financing risk management market across India and Bangladesh — written for practitioners who need context, not commentary.
15+
Insight pieces published
2
Markets covered — India & Bangladesh
4
Industry verticals tracked
Monthly
Fresh analysis added
The One to Read First
Device Financing in India Is Growing Faster Than the Risk Infrastructure That Should Come With It
Smartphone financing volumes in India grew 34% in FY2024, but the share of portfolios with automated enforcement infrastructure grew by less than 12%. The gap between portfolio size and risk control maturity is widening.
The enforcement gap is the single largest unaddressed risk in the device lending market right now.
Most lenders expanding into device financing are building portfolios faster than they're building the infrastructure to manage what happens when payments stop. This piece examines why the gap is widening, what the benchmark data shows, and what the top-performing portfolios are doing differently.
Key Findings
- Portfolios without enforcement see 3–4x higher NPA rates than those with device-level controls
- Tier-2 and tier-3 market expansion is accelerating without corresponding risk infrastructure
- Collections cost per case is rising 18% year-on-year in manual-only operations
- The Bangladesh market shows faster enforcement adoption than India despite smaller portfolio sizes
Latest Analysis
Why NPA Rates in Device Financing Are Double Consumer Lending Averages
A structural analysis of why device financing defaults run so much higher than other consumer loan categories — and what enforcement infrastructure actually does to close that gap.
Bangladesh Is Outpacing India on DFRM Adoption — and Here's Why
Bangladesh's device financing market is smaller but moving faster on enforcement infrastructure. An examination of the regulatory and competitive dynamics driving faster DFRM adoption.
The Cost-Per-Collection Benchmark Most Lenders Are Getting Wrong
Most lenders calculate cost-to-collect on recovered cases only — excluding the cost of uncontacted or write-off accounts. The real number is 2–3x higher than what most teams report internally.
RBI Guidelines and Device-Level Enforcement — What Lenders Need to Know
A practical briefing on the current regulatory position on device-level enforcement in India — what is permissible, what requires disclosure, and what due diligence looks like for NBFC and fintech deployments.
Tier-2 and Tier-3 City Expansion Is the Next Device Financing Growth Story
Smartphone financing in major metros is approaching saturation. The next growth wave is tier-2 and tier-3 markets — where thin-file borrowers are the majority and enforcement infrastructure matters even more.
Android SDK vs REST API — Which Integration Path Is Right for Your Operation
The two primary integration approaches for DFRM platforms have different trade-offs in deployment speed, operational flexibility, and enforcement depth. A practical breakdown of when to use each.
Grey Market Resale Is Costing Device Lenders More Than They Think
Grey-market device resale is typically undercounted in NPA attribution because it doesn't show up as fraud at origination — it shows up as a missed payment six weeks later. Quantifying the actual exposure.
What Happens to Collections Teams When Automation Takes the Routine Cases
Based on deployments across 8 organisations — what the collections team structure actually looks like 12 months after automation goes live, and where human judgement still matters most.
Bangladesh Bank Fintech Guidelines — What Device Lenders Need to Prepare For
Bangladesh Bank's fintech guidelines have direct implications for device financing operations. A briefing on the requirements most relevant to lenders deploying device-level enforcement in the Bangladesh market.
About the Insights
How the analysis is produced and who it's intended for.
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