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Bank Statement Analysis

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Bank Reconciliation statement failing digital economy
Bank Statement Analysis

Why Bank Reconciliation Fails Digital Era

May 7, 2025 precisateam No comments yet

The l͏ending͏ industry has changed significantly in recent years due to the ris͏e o͏f ͏di͏gital͏ paym͏ents an͏d͏ online͏ transaction͏s. A͏s m͏ore b͏orrowe͏rs move to digi͏tal p͏latforms, lending institutions face cha͏lleng͏es wi͏th tra͏ditio͏nal reconcil͏iation methods,͏ which are͏ struggling to keep up with the rapid flow of financial data. Borro͏wers͏ ͏expect loan dec͏isions as fast as possible. […]

CIBIL Report Analysis
Digital Lending

CIBIL Report Analysis: A Quick Guide for Indian Lenders

May 3, 2025 precisateam No comments yet

Over 110 million Indians checked their CIBIL report in 2024. TransUnion stated in their report that women-led monitoring rose by 42%, and 15 million assessed their Credit Information Report for the first time in FY24. This shows India’s excellent growth in financial awareness and credit monitoring. On the other hand, banks and NFBCS are seeing […]

Integrated Approach_ How BSA Platforms Simplify Complex Tax Filing
Bank Statement Analysis

How Bank Statement Analysers Simplify Complex Tax Filing

April 8, 2025 precisateam No comments yet

According to the president of ICAI, Mr. Ranjeet Agarwal, India’s chartered accountants issue around 1.5 crore income tax filing certifications annually. Tax professionals spend 25 hours weekly on compliance and handle 400-500 complaints yearly, which underscores their crucial role in ensuring thorough compliance. However, the complexity of tax filing has surged due to rapid regulatory […]

Bank Statement Analysis
Bank Statement Analysis

10 Top Reasons Lenders Choose Statement Analysis Tools

March 31, 2025 precisateam No comments yet

A thorough evaluation of the applicant’s credit health is integral to the lending process. Lenders use multiple tools to assess an applicant’s creditworthiness, with bank statement analysis being one of the most crucial. While the Indian banking sector has seen a significant improvement in asset quality, with the gross non-performing asset (GNPA) ratio falling to […]

Harnessing the Power of Bank Statement Analysis to Improve Credit Scoring Models and Techniques
Bank Statement Analysis

How Bank Statement Analysis Enhances Credit Scoring Models

March 26, 2025 precisateam No comments yet

Credit scoring models are the backbone of the lending ecosystem, enabling lenders, including financial institutions, to evaluate the risk involved while approving loans for every applicant. Traditionally, statistical and linear programming models, often considered the gold standard of credit scoring, were extensively used by lenders worldwide. However, we can see the tides changing as sophisticated […]

Understanding-How-Bank-Statement-Analysers
Bank Statement Analysis

Understanding How Bank Statement Analysers Are Fast-tracking and Improving Loan Approvals

January 22, 2025 precisateam No comments yet

The total value of loans in India increased by 11.5% in December ’24 compared to the same period in the previous year. Additionally, the loan growth rate in India remained steady at around 11.8% between 2012 and 2024, highlighting the increasing demand for credit within the Indian economy. Despite these positive trends, around 30-35% of […]

4 Reasons Why Lenders Rely on Fintech Solutions for Bank Statement Analysis
Bank Statement Analysis

4 Reasons Why Lenders Rely on Fintech Solutions for Bank Statement Analysis

December 4, 2024 precisateam No comments yet

India’s digital lending market has grown from strength to strength. In the financial year 2023-24, the sector experienced a remarkable 49% increase in disbursements, totalling ₹1.46 trillion across over 10 crore loans issued. A significant growth in the number of outstanding credit card dues and gold loans are two major factors driving the demand for […]

Paper vs. Digital Bank Statements for Loan Approval: What Lenders Need to Know
Bank Statement Analysis

Paper vs. Digital Bank Statements for Loan Approval: What Lenders Need to Know

November 30, 2024 precisateam No comments yet

Evaluating an applicant’s creditworthiness is essential in the loan approval process. Analysing bank statements for loan approval offers lenders a comprehensive view of the applicant’s credit health. Lenders have traditionally relied on paper statements for credit health assessment. However, as lending institutions continue to digitise and automate their operations, many now offer the option of […]

How Bank Statement Analysis Software is Expanding Access to Credit
Bank Statement Analysis

How Bank Statement Analysis Software is Expanding Access to Credit

November 26, 2024 precisateam No comments yet

The demand for credit among diverse audiences in India continues to rise. This has created opportunities for lenders to scale quickly and deliver more value to their customers. For instance, a recent survey indicated that in the Financial Year 2024, Gen Z borrowing amounted to between INR 3.5 and 4 lakh crore. Additionally, millennials had […]

Fintech Startups
Fintech

5 Key Challenges for Fintech Startups in India – And How to Solve Them

November 21, 2024 precisateam No comments yet

Over the last five years, the fintech industry in India has grown by leaps and bounds. As of September 2024, the combined valuation of all Indian fintech startups was estimated to be $125 billion. However, despite their success story, startups often grapple with a slew of challenges. For instance, the regulations governing fintech startups are […]

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