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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 […]

cash flow lending analysis
Bank Statement Analysis

5 Reasons Why Cash Flow Lending Analysis is Necessary for Small Business Lending

June 21, 2024 precisateam No comments yet

Micro, small, and medium enterprises (MSMEs) account for around 30% of the economy, making them one of the most important sectors in India. These businesses also play an important role in safeguarding the cultural heritage of different communities, driving innovation, and generating jobs. With more than 600 lakh MSMEs spread across the country, cash flow […]

debt recovery
Digital Lending

The Role of Automation in Debt Recovery: Is It Right for Your Business?

June 17, 2024 precisateam No comments yet

Automation has positively impacted industries and has significantly contributed to the growth in the financial services domain. Lenders benefit from automating the entire lending process, including debt recovery. Replacing manual processes with automated collection procedures improves efficiency and helps lenders stay profitable. As per reports, Gross Non-Performing Assets (GNPAs) of Scheduled Commercial Banks (SCBs) reduced […]

Debt Recovery Strategies
Digital Lending

Proactive vs. Reactive Debt Recovery Strategies: Finding the Right Balance

June 12, 2024 precisateam No comments yet

One of the top risks in lending is the inability of borrowers to repay loans on time and in full. Hence, debt recovery is one of the most important aspects of the lending life cycle. However, traditional debt recovery methods tend to be more reactive. For example, lenders may outsource this role to external agencies, […]

Lending
Digital Lending

Reforming the Lending Landscape: RBI’s Directive to Review Overcharging on Loan Rates

May 27, 2024 precisateam No comments yet

Recently, the RBI has pointed out cases where bank loan rates have been excessively charged, emphasising the need for reform. Addressing this pressing issue, the central bank has taken a stand against unfair lending practices through a recent directive to restore transparency and fairness to the lending process. The lending practices in India have evolved […]

Bank Statement Analysis API
Bank Statement Analysis

Bank Statement Analysis API Solutions for Tamper-Proof PDF Validation

May 22, 2024 precisateam No comments yet

Loan applicants often submit numerous PDF bank statements. Lenders use web-based financial analysis software to quickly extract and analyse data from these documents, assessing cash flow and creditworthiness. PDFs may include identity documents, statements, invoices, and Goods & Service Tax Returns (GSTR). However, a growing challenge for lenders is verifying whether the PDFs are authentic. […]

Bank Statement Analysis
Bank Statement Analysis

Bank Statement Analysis APIs for a Competitive Edge

May 17, 2024 precisateam No comments yet

Due to several factors, lenders are now more likely than ever to make poor risk assessment decisions. These include the speed at which lenders aim to approve loan applications, the growing potential for loan fraud, and increasing delinquent debt. Also, unexpected market downturns and opportunity costs contribute to the risk factors. Moreover, as lenders scale, […]

Credit Appraisal
Credit Appraisal

Understanding the 5 Cs of Credit Appraisal

May 13, 2024 precisateam No comments yet

In a dynamic environment, several external factors — from market downturns to operational disruptions — can impact a borrower’s repayment ability. Thus, lenders must build credit appraisal systems that account for multiple risks and are robust enough to handle worst-case scenarios. Leveraging superior bank statement analysis and financial data analytics software empowers lenders to strengthen […]

Credit Appraisal
Credit Appraisal

5 Cs of Credit Appraisal: A Lending Decision Framework

May 13, 2024 precisateam No comments yet

In a dynamic environment, several external factors — from market downturns to operational disruptions — can impact a borrower’s repayment ability. Thus, lenders must build credit appraisal systems that account for multiple risks and are robust enough to handle worst-case scenarios. Leveraging superior bank statement analysis and financial data analytics software empowers lenders to strengthen […]

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