Lights, Camera, Lend!
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Greetings, lenders!
In a world where lending has gone digital, and interest rates have become as complicated as interpreting emojis, fear not – help is just a YouTube click away. We’ve scoured the digital lending landscape to bring you a list of the “best” when it comes to YouTube channels that simplify the art of digital lending.
Whether you’re a newbie in lending dipping your toe into the digital finance pool or a seasoned lender looking to up your lending game, these channels are your virtual companions on this financial expedition. Think of them as the Gandalfs or Dumbledores of the lending domain, guiding you through the nuances with the wisdom of a thousand-credit experience (minus the long white beard).
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No need to hunt for trustworthy info – we’ve got you covered. So, grab a drink, get cosy, and let’s explore the top YouTube channels that unravel digital lending. After all, understanding the industry should be straightforward, not a puzzle. Let’s jump in!
Youtube: CNBC-TV18
Subscribers: 1,340,000
Total Views: 345,550,924
Joined: Jan 8, 2007
Description: Immerse yourself in the world of business news with CNBC-TV18, India’s pioneering business news channel. Launched in 1999, CNBC-TV18 has been a trailblazer in covering corporate news, financial markets, investment insights, management perspectives, and digital lending industry trends. This channel’s impressive repository of 145k videos, coupled with its massive subscriber base of 1.34M, ensures that you’re always up to speed with the dynamic world of business.
YouTube: Money Control
Subscribers: 841,000
Total Views: 151,708,012
Joined: Oct 9, 2006
Description: Immerse yourself in the world of finance and business with Money Control. Recognized as India’s premier Financial and Business portal, Money Control offers comprehensive market coverage, expert analysis, and an array of financial tools. As part of Network18, it stands as the go-to destination for stock market news, digital lending industry news, business insights, and updates on the global and Indian economy. With a vast repository of 54k videos and a substantial subscriber base of 841k, Money Control is your guide to staying informed and making informed financial decisions.
Youtube: Mint
Subscribers: 338,000
Total Views: 89,012,264
Joined: Mar 5, 2008
Description: Embark on a journey through business and every financial news, including lending with Mint. As an award-winning business publication from India, Mint is revered by business leaders, founders, and policymakers alike. Dive into studio debates, exclusive interviews, and feature stories spanning a spectrum of topics. With a substantial subscriber count of 338K and a library of 14,000 videos, Mint serves as a reliable source for making sense of India’s rapid economic growth.
Youtube: National Payments Corporation of India (NPCI)
Subscribers: 77,300
Total Views: 85,455,492
Joined: Mar 26, 2014
Description: Step into the realm of secure digital payments with the National Payments Corporation of India (NPCI). Serving as the umbrella organization for retail payments in India, NPCI‘s innovative products include RuPay, BHIM, UPI, IMPS, and more. This channel, with its 589 videos, introduces you to the world of digital transactions, providing awareness about the convenience and safety of digital payments, co-relation with digital lending and many more. Educating and empowering Indians to embrace a digital financial ecosystem is NPCI’s prime focus.
Youtube: Vinod Kothari & Company
Subscribers: 6,690
Total Views: 203,347
Joined: Aug 18, 2018
Description: Welcome to your comprehensive academic haven at Vinod Kothari & Company. Delve into a diverse array of financial domains, from NBFC services, housing finance, and microfinance to securitization, green financing, and corporate laws. This channel offers a treasure trove of knowledge, touching on topics like audit-related matters, insolvency and bankruptcy laws, secured lending, digital lending and more. With 135 videos, Vinod Kothari & Company serves as your intellectual companion on the intricate path of financial exploration.
YouTube: ET BFSI
Subscribers: 2,400
Total Views: 199,326
Joined: Apr 1, 2019
Description: Welcome to the world of ET BFSI, brought to you by The Economic Times. This dedicated news portal delves deep into the dynamic realm of BFSI (Banking, Financial Services, and Insurance) and FinTech. ET BFSI unravels macro and micro financial events, technological shifts, digital lending updates, societal impacts, and human factors, and simplifies complex regulations. Despite its 2.4k subscribers, the 775 videos featured on this channel are packed with insights that shed light on the ever-evolving landscape of finance.
Youtube: The Digital Fifth
Subscribers: 1,970
Total Views: 70,121
Joined: Apr 3, 2017
Description: Unlock the potential of fintech with The Digital Fifth, India’s pioneering Fintech consulting and advisory firm channel. Catering to Banks, NBFCs, Wealth Management, Mutual Funds, and Insurance sectors, this channel acts as a compass for both established BFSI institutions and emerging fintech disruptors. With a mission to guide financial entities in forming the right partnerships, attracting customers, and devising product roadmaps, The Digital Fifth boasts 207 videos, equipping you with insights to navigate the fintech revolution.
Youtube: Global Fintech Fest (GFF)
Subscribers: 213
Total Views: 11,688
Joined: Sep 19, 2022
Description: Witness the grand convergence of fintech minds at the Global Fintech Fest (GFF), a collaborative initiative by NPCI, Payments Council of India (PCI), and Fintech Convergence Council (FCC). With an illustrious history of showcasing the full spectrum of the fintech ecosystem, GFF is a platform where industry leaders, regulators, academics, and stakeholders convene annually. This channel, despite its nascent stage with 213 subscribers, holds 206 videos that provide a glimpse into the future of fintech innovation.
Youtube: Synnex Business Media
Subscribers: 179
Total Views: 28,379
Joined: Apr 10, 2018
Description: Synnex Business Media stands as a premier provider of professional training, strategic conferences, and global summits. With a legacy of over a decade, this channel brings you insightful business intelligence across diverse industries, including Commodities, Energy, Finance, Infrastructure, and more. Despite its 179 subscribers, the 500 videos hosted on this channel offer a wealth of industry networking opportunities and knowledge sharing.
Youtube: B2B Infomedia
Subscribers: 155
Total Views: 20,275
Joined: Mar 23, 2018
Be To Be Infomedia Pvt. Ltd. is your gateway to a dynamic finance platform. Embracing diverse domains such as Banking, Health/Wellness, Brand Activation, Corporate Events, and beyond, B2B Infomedia is a one-stop hub for industry insights. With 155 subscribers and 272 videos, this platform paves the way for meaningful interactions, offering a platform for technology providers to engage with a receptive audience.
Youtube: CloudBankin
Subscribers: 89
Total Views: 3,813
Joined: Nov 26, 2013
Propel your financial institution into the digital age of lending with CloudBankin. Offering an end-to-end lending platform, CloudBankin streamlines loan disbursal in just 10 minutes. From Banks to Urban Co-operative Banks to NBFCs and fintechs, this platform is your key to efficiency and excellence by providing solutions like Digital Onboarding, Loan Origination System, Credit Rule Engine Platform, and Loan Management System, to name a few. With 89 subscribers and 22 videos, Cloudbankin has made waves in the Indian lending sector, digitizing journeys for financial empowerment.
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To sum it up, these YouTube channels are like your lending sidekick, always ready with a digital lending cape and a dash of humour (not too much, just a sprinkle) to guide you through the twists and turns of the digital lending universe. So, tune in, grab your popcorn (or whatever your lending snack of choice is), and let these channels be your lending GPS in the world of pixels, loans, and a touch of laughter.
Happy lending and happy watching!
Customer experience (CX) in the banking sector is key, especially
Brief History of Digital Lending: India has become the home
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(Formerly known as Habile Technologies)
After smartphone penetration, people are not watching their SMS at all. They use SMS only for OTP related transactions. That’s it.
But What can a Lender see in your SMS after you consent to them?
Lender can see income, expenses, and any other Fixed Obligation like (EMIs/Credit Card).
1) Income – Parameters like Average Salary Credited, Stable Monthly inflows like Rent
2) Expenses – Average monthly debit card transactions, UPI Transactions, Monthly ATM Withdrawal Amount etc
3) Fixed Obligations – Loan payments have been made for the past few months, Credit card transactions.
It also tells the Lender the adverse incidents like
1) Missed Loan payments
2) Cheque bounces
3) Missed Bill Payments like EB, LPG gas bills.
4) POS transaction declines due to insufficient funds.
A massive chunk of data is available in our SMS (more than 700 data points), which helps Lender to make a credit decision.
An interesting insight on vehicle loans for lenders.
A trend we are seeing today – the first-hand vehicle ownership is decreasing with time. Why? People are upgrading their vehicles in every few years because of technological advances. And, this can be seen more with the millennial generation.
So, what should a lender do in terms of financing?
– Estimating the residual value of the vehicle at the start of the financing period.
– Charging a borrower only for the residual value (which is the difference between the value after a few years and the current value)
Example: A bike currently is INR 1 lakh. You want to buy the vehicle for 2 years. A lender will estimate the residual value of that bike today and what it would be after 2 years. If the estimated residual value = INR 45,000, the lender will charge you only that (say, INR 55,000 with interest for this instance) during your tenure.
At the end of 2-year period, you have 3 choices:
1. Return the bike and upgrade to a new one without going through the struggle of selling it.
2. Pay the lump sum remaining amount to own the vehicle outright.
3. Extend the financing and own it by keep paying the EMIs for the remaining amount of the vehicle for the next 12 or 18 months.
Benefits for the borrowers?
– Flexibility to use a vehicle and upgrade to a new one.
– Affordability to not pay for the complete value of the vehicle with the intention to use for a lesser amount of time.
– Convenience in owning the vehicle.
Say goodbye to the old lending option and embrace the new way of financing for vehicle by lenders!
How many of us know this?
1) Tiktok does Lending ( is it an entertainment company or social media company or a fintech company?
2) Youtube China does Lending
3) Top 100 internet companies in China(no matter what business they are in) do Lending
The team which was heading Lending in Tiktok was the Advertisement team. If we do Ads, we do X no of revenue. But if we do lending, we’ll get X+30% more revenue. This is on the same Ad spot.
Ad team has transformed into a lending team, and in today’s world, it’s possible because the subject matter expertise can be put in as an API and given to you.
Embedded Lending as a service is becoming popular in India too, and I am happy to be part of this ecosystem.
The answer is No. Only the top 10 crore people have access to many credit products in India. Almost all Banks focus on this market.
Once you go beyond that, the credit access rate has dropped significantly due to multiple factors.
1) Customers who are having low income(30-40K per month)
2) Not earning from an employer who belongs to Category A or B
3) Not from Tier 1 or 2 cities
NBFCs and Fintechs focus on the above segment, pushing another 10 crores of people.
But in India, 70 crores more people are formally or informally employed, which still needs to be tapped.