Credit card issuers push EMI loans to counter revolver model misfire
India — direction and magnitude withheld
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Key takeaway
Credit card issuers shift to EMI loans as revolving credit profitability declines.
- Step 1 · The triggercredit card issuers face declining profitability as fewer customers carry balances on revolving credit
- Step 2 · Knock-onissuers pivot to EMI loans and fee-based products to maintain revenue streams
- Step 3 · Knock-onconsumers gain access to more flexible payment options, potentially increasing credit utilization
- Step 4 · Reaches youbusinesses that accept credit cards may see changes in customer spending behavior as EMI options become more popular
The trigger is reported by the source below. The steps that follow are Branch²’s traced reasoning — how the shock could reach a business like yours, not a prediction.
Source: IN:Economic Times
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