This edition of Money Money Money is for those who are looking to take a loan for discretionary spends.

What will the banking industry offer its credit card and personal loan customers in 2020? Will interest rates get cheaper and what's the best way to borrow smart?

We discuss this issue with Sudipta Roy, head of unsecured assets at ICICI Bank and Navin Chandani, the chief business officer of Bankbazaar.