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Duration Gap Analysis
Bank Statement Analysis

Complete Guide to Duration vs Repricing Gap Analysis

August 3, 2024 precisateam No comments yet

In the current economic climate, managing interest rate risk has become paramount for lending institutions. The Reserve Bank of India (RBI) recently reduced the repo rate by 25 basis points to 6.00% in April 2025, aiming to stimulate economic growth amid global uncertainties. This monetary easing, coupled with liquidity infusions totaling over ₹6.21 trillion, underscores […]

Loan Portfolio Assessment
Digital Lending

Mitigating Risks: A Lender’s Guide to Comprehensive Loan Portfolio Assessment

July 31, 2024 precisateam No comments yet

As of March 2024, the gross non-performing assets (GNPAs) ratio for scheduled commercial banks stands at 2.8%, a 12-year low, exhibiting an improvement in managing default risks. Despite this, lenders must be continually wary of the impact of risky loans, as it is not just limited to the lending institutions’ profitability. It significantly undermines the […]

Debt Recovery
Digital Lending

Ushering in a New Era of Debt Recovery for the Modern Lender

July 27, 2024 precisateam No comments yet

According to a report, the number of cases referred to the debt recovery tribunal (DRT),  grew significantly to INR 4.02 trillion in FY23. Yet, the amount recovered via this route downslided to 9.2% in FY23 as compared to 17.5% in FY2022. This translates to the debt recovery rate for non-performing assets (NPAs) falling from 17.6% […]

Decisioning Stage in Loan Processing
Digital Lending

Is Automated Decisioning Stage in Loan Processing the Right Strategy?

July 22, 2024 precisateam No comments yet

At the forefront of the significant transformation in lending operations is the automated decisioning stage in loan processing—a technological leap that’s reshaping how banks and financial institutions evaluate and approve loan applications. Automated Decision-Making Systems, or ADMS leverage cutting-edge technologies such as Artificial Intelligence (AI), Machine Learning (ML), and advanced analytics to streamline the loan […]

Lending
Digital Lending

Tech-Driven Precision: Navigating RBI’s Updated Priority Sector Lending

July 17, 2024 precisateam No comments yet

The concept of priority sector lending has its origins in 1972. This was when the Reserve Bank of India (RBI) first introduced the concept of opening up credit access to economically underserved consumers. This step was considered to be an important one in the nation-building journey as it enabled development. In June 2024, the RBI […]

Fintech firms
Fintech

Safeguarding Innovation: Top Security Trends for Fintech Firms in 2024

July 13, 2024 precisateam No comments yet

Fintech combines finance and technology and represents the next phase of financial evolution, focusing on innovation. Fintech users, particularly in digital payments, are forecasted to exceed 3.5 billion in 2024. By 2028, the number will reach 4.81 billion. However, as the fintech acceptance and use grows, so does the cybersecurity threat. In 2023, almost 64% […]

Business intelligence in banking
Fintech

5 Reasons Why Adoption of Business Intelligence in Banking is Set to Increase

July 8, 2024 precisateam No comments yet

Banks have a unique opportunity to leverage new technologies and digital tools to enhance customer experiences and drive innovation in the financial industry. By embracing emerging trends like personalised financial products, spend analytics and cash forecasting, banks can stay ahead of the curve and continue to meet the evolving needs of their customers. The increasing […]

action of RBI on unsecured loans
Digital Lending

Safeguarding Financial Stability: Timely Action of RBI on Unsecured Loans

July 3, 2024 precisateam No comments yet

At present, the ease of the application and loan disbursal process has nudged more Micro Small, and Medium Enterprises (MSME) and retail customers to apply for unsecured loans. For example, the government’s PSB Loans in 59 Minutes initiative accelerates the online application and approval process. On top of it, unsecured business loans up to Rs. […]

account aggregator integration
Fintech

The Importance of Data Security in Account Aggregator Integration

June 29, 2024 precisateam No comments yet

In a digital-forward economy, borrowers have to repeatedly share extensive personal and financial data with lenders throughout their lifetime, which often poses both inconvenience and security risks. On top of that, this sensitive information includes profile details, addresses, credit card information, bank transactions, and investment details, all of which are vulnerable to potential breaches. With […]

day past due
Digital Lending

Why Should Lenders Consider Outsourcing Debt Recovery for a Day Past Due

June 25, 2024 precisateam No comments yet

A recent Saral Finance survey suggests that around 67% of Indians have taken a loan at some stage to meet their financial requirements. That is a whopping 938 million people. Worryingly, the number of wilful defaulters has increased steadily over the last five years shooting to Rs 353,874 crore involving more than 16,500 accounts as […]

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