Banking · Retail Assets and Fintech Challenges
Amidst the digital transformation in retail banking, Neo-banks and digital-only platforms operate without physical branches. In the Indian banking sector, what primary advantage do traditional commercial banks maintain over these fintech players for long-term retail assets like home loans?
Verified Solution4 OptionsUpdated: October 2026👁️1 View
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- 1Faster processing time for small-ticket unsecured personal loans.
- 2Established trust and physical presence required for high-value emotional decisions.✓
- 3Complete exemption from regulatory oversight by the RBI.
- 4Offering lower interest rates across all segments universally.
Correct answer
Established trust and physical presence required for high-value emotional decisions.
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