The fast-growing consuming class in India is witnessing the birth of a digital lending powerhouse in the form of a homegrown Ant Group, being set up by the country’s wealthiest tycoon. These disruptions are the result of the bigger consuming class that finance has helped create, but their sustainability is yet to be tested. Among the potential issues creating instability in the banking sector is the skewered nature of individual savings skewed towards the top earners, heaping pressure on cash-strapped lenders. Higher interest rates mean paying more to lenders for mortgages and other consumer credit.