For later millennials and Generation Z, concepts of saving and debt have evolved differently from the past. Instant gratification, technology-enabled access to debt, and immediate availability of goods and services are now the driving factors instead of saving and even asset building.
Abhiman Das
Smita Roy Trivedi
September 11, 2026 at 8:34 AM IST
istock.com
SBI Cards is using EMIs and UPI to win a bigger share of multi-loan borrowers’ wallets. Wider household debt could eventually raise card stress.
Krishnadevan V
August 11, 2026 at 4:03 AM IST
Istock.com
As UPI absorbs low-ticket flows, credit cards are being disintermediated at the surface but entrenched beneath as embedded credit rails.
Ganga Narayan Rath and Chirayu Sharma
April 1, 2026 at 4:58 AM IST
iStock.com