For those new to financial analysis, distinguishing between cash flow statements and income statements can be challenging. While they may appear similar at first glance, these are distinct financial documents, each providing unique and essential insights into a company’s financial...

In lеnding and crеdit, staying ahеad of dеlinquеncy is crucial. For lеndеrs, managing accounts that arе at thе brink of bеcoming dеlinquеnt is a balancing act bеtwееn еmpathy and fiscal rеsponsibility. When an account hits thе 30-day past due mark,...

The banking industry is on the cusp of a revolution driven by emerging technologies like artificial intelligence (AI) and machine learning. From chatbots to robo-advisors, AI in banking will change the way financial institutions interact with customers and operate internally....

As the lending industry attempts to fill in the gaps and scale at a faster pace, there is a proportionate increase in risks. Unpaid loans, regulatory risks, market risks, and operational risks are all potential reasons for businesses to run...

The debt recovery function plays an important role in the profitability and sustainability of lender operations. The inability to recover outstanding loan debt can diminish a lender’s finances. Escalation of bad loans can also lead to consequences such as bankruptcy...

Lending is one of the fastest-growing verticals in the industry. Capitalising on the large credit gap among both business and consumer borrowers, Banks, non-banking financial companies, and other lenders view it as a high-potential revenue stream. However, the traditional banking...

Advances in data analytics, big data, and artificial intelligence (AI) have opened up new avenues for banks and other financial institutions to improve their credit decision-making models. Additionally, the increasing appetite for digital transformation and sophisticated tech-driven services has translated...

Early warning signals (EWS) are indicators that help banks identify potential liquidity problems in businesses before they become critical. These signals help banks proactively manage their exposure and protect themselves from losses. The liquidity of a business is reflected in...

Did you know in the fiscal year 2023, India witnessed a staggering 103 billion digital transactions, amounting to over 166 trillion Indian rupees. Despite the substantial financial activity across the nation, effectively organising transactions in your bank statement remains a...

India, home to 9,000 fintechs, has the third-highest number of fintechs globally and holds a 14% share of Indian startup funding. Many fintech startups in India have forayed into digital lending. These fintech companies extend credit through the Non-Banking Finance...