The LAP rush and MSME mirage: Is fintech lending building its next risk? [Part-3]
After regulatory tightening, fintech lending adapted through MSMEs and LAP – creating growth that looks safer, but may not be.
![The LAP rush and MSME mirage: Is fintech lending building its next risk? [Part-3]](/upload/theheadandtale.com/2026/01/1769028277_4da8f25e96_lap_bl.jpg)
When unsecured consumer lending began to tighten, the market did not slow. It simply moved.Over the past two years, as the Reserve
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