Discover a wealth of insightful materials meticulously crafted to provide you with a comprehensive understanding of the latest trends.
Regulations have always played an important role in the growth trajectory of lenders across the world. In India, the Reserve Bank of India (RBI) sets guidelines to ensure the smooth and ethical functioning of lending players and fair practices for borrowers. Recent news reports indicate that the RBI is taking strict action against lenders who […]
A popular technique financial institutions use in managing interest rate risks is duration gap analysis. This provides them with insights into the optimal management of interest rate risk so that they can economically manage the difference in time between a bank’s assets and liabilities. By analysing the duration gap, it becomes easy to understand the […]
Non-banking finance Companies(NBFCs) have witnessed exponential growth globally and within the country. They are playing a crucial role in providing people and businesses across India with access to basic financial services. Emerging technology has also enabled the NBFC software to widen and deepen its reach; they have been instrumental in ensuring last-mile connectivity. So, whether it […]
Productivity levels are an important measure of success for ambitious lenders looking to build a long-lasting, profitable business. A recent survey indicated that seven out of every 10 employers prioritise the quality of work, while performance indicators such as targets and project completion on time are considered to be primary indicators of productivity. As more lenders […]
The balance sheet is a crucial financial statement that reflects a company’s financial health at any given time. Balance sheet analysis examines a business’s balance sheet to evaluate its financial health and performance. It also involves analysing the composition and valuation of assets, the nature and maturity of liabilities, and the relationship between debt and […]
Data is increasingly vital in enabling businesses to streamline their workflows, drive revenues, and become profitable in the Internet economy. According to a McKinsey survey titled ‘The data-driven enterprise of 2025,’ adopting artificial intelligence (AI)- powered data practices is helping businesses grow revenues by at least 20% before interest and taxes. Access to high-quality data […]
Digital innovation and fintech have made life easier than ever. There is hardly any waiting in the line. You can simply book tickets, order groceries, or even secure a loan in minutes – all from the comfort of your home. The instant loan market in India is making financial help more accessible than ever with […]
Scaling a lending business presents a significant dilemma: higher loan volume increases potential profits but also the risk of default and fraud. Thorough risk assessment is essential, yet the sheer number of loans can make this process overwhelming. Lenders that embrace the benefits of technologies such as automation, Artificial Intelligence (AI), and Python can strengthen […]
Lenders generally need to cross-examine the applicant’s financial strengths and weaknesses before approving a loan application. Financial statement analysis helps them make these decisions; it involves evaluating an applicant’s financial statements to assess their financial health and determine their creditworthiness. This includes information about the borrower’s assets, liabilities, income, and expenses. Financial statement analysis for a […]
Extending credit inherently often carries risk for lenders, such as: Borrower’s inability to repay due to job loss, unexpected expenses, or poor financial management. Economic downturns can lead to increased defaults across an entire portfolio. Lenders may fall victim to identity theft or false information provided by the applicant. Many lenders rely on gaining deeper, […]
