Fintech, EMI-based Insurance Lending, Reconciliation Process, Operational Efficiency, InsurTech.
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Innovating Insurance Lending in Indian Fintech: A Study of Bimapay’s EMI Model, Business Strategy, and Role in Alternative Credit for Insurance Inclusion
Abstract: This study examines EMI-based insurance lending within India’s fintech ecosystem, focusing on Bimapay Finsure Pvt. Ltd. and its role in improving insurance accessibility through technology-enabled premium financing. Using primary data collected from 41 employees across finance, operations, and technology teams, the research evaluates employee understanding of the EMI model, perceptions of business model sustainability, and attitudes toward AI-driven reconciliation. Statistical analyses – including descriptive analysis, correlation, and regression – reveal …
Published in NOLEGEIN Journal of Information Technology & Management · Vol. 9, Issue 1, 2026 · pp. 28–34 Read article