Demystifying Loan Approval: The Role of Credit Bureaus and Lenders

Credit bureaus are responsible for rejecting loan applications due to bad credit scores...

The Digital Lending Revolution: Redefining Borrowing Habits

Let’s see some interesting facts about digital lending.

The Four Cornerstones of Effective Underwriting

What are all the four pillars of underwriting?

Unleashing the Fintech Revolution: A Decade of Transformation in Financial Services

Over the past decade, the financial services industry has undergone a massive technological revolution, and the results are as below –

FinTech India’s Meteoric Rise: A Decade of Transformation in Numbers

A Quick Snapshot of the Recent Key Growth Factors for FinTech India:

The 28/36 Rule: A Guiding Light for Financial Wellness

Do you know “The Golden Rule” that lenders use to gauge your Expense-to-Income Ratio for a bank statement analysis?

Redefining Banking for the Digital Age: The Customer Experience Imperative

83.9% of financial institutions think customer experience can be a game-changer.

Banking Evolution: India’s Journey

I am happy to share these interesting Facts about the History of Banking in this Independence day

Geolocation’s Impact on Digital Lending Decisions

These digital lending AI models make decisions based on Geolocation.

Revolutionizing Lending: The Microfinance Vision of Prof. Muhammad Yunus

He aspired to break the stereotypical way of lending. He decided to do the exact opposite of what a conventional bank did...

What is Digital Payment?

Any payment that takes place electronically through online/digital mode is called digital payment.

India's credit card market

India's credit card market is booming, with a staggering 8.65 crore cards in circulation.

Factors consider to evaluate Credit Scores

A credit score is a three-digit number that falls within a range of 300 to 900.

Frauds in Digital lending apps

True Incident: - Once you install the app, it will ask you to get a loan for 4000...

FLDG Guidelines: Enhancing Risk Management

FLDG guidelines promote shared risk and careful portfolio management for Fintech and Regulated Entities (RE).

Co-Lending Default Handling Strategies

Before the new FLDG guidelines, In Co-Lending, What happens in case the borrower defaults?

Understanding First Loss Default Guarantee (FLDG)

We all came to know that RBI regulated FLDG last week. But people asked me what is FLDG?

Categories of Secured Lending

In Secured lending, we have three categories.

NPA Collections: Fintech Solutions

Gross NPAs of PSU banks - Rs 5.4 Lakh Crores. Usually, NPA Collections are outsourced to Agencies.

LAP NPAs: Risk and Impact

NPAs are higher for LAP products than Home Loans, why is that?

Video KYC & UPI

One of the Questions to the panel at the FinTech Festival India:

Facts about digital Lending

FLDG guidelines promote shared risk and careful portfolio management for Fintech and Regulated Entities (RE)

Loan Access Disparities in India

In India, has everybody access to loans?

Transformation of Ad Teams

How many of us know this?

SMS Data for Credit

After smartphone penetration, people are not watching their SMS at all.

Revolutionizing Vehicle Financing Options

An interesting insight on vehicle loans for lenders.

DeFi Loans

DeFi is yet another aspect of finance that has seen a rise.

Strengthening Digital Lending Security

Sunny Leone raised this issue few months back, "This just happened to me. INSANE.

Account Aggregators Framework

Can AA framework help digital lending?

Boosting Loan Conversions in Digital Lending

Last weekend, my friend and I had the following conversation.


Why does everybody want to lend to MSMEs? Because 1) The delinquency rate for MSME loans has dipped from 4.4% to 3%..

Lending Landscape: Opportunities Ahead

For the new age fintechs and NBFCs, what does the competitive landscape look like?

Microfinance: Empowering Women Entrepreneurs

He aspired to break the stereotypical way of lending. He decided to do the exact OPPOSITE of what a conventional BANK did

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