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Bank Statement Analysis

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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 […]

How Digital Transaction Analysis is Transforming Fraud Investigation
Bank Statement Analysis

How Digital Transaction Analysis is Transforming Fraud Investigation Workflows

November 16, 2024 precisateam No comments yet

India’s digital transactions skyrocketed from 2,071 crore in FY 2017-18 to 18,737 crore in FY 2023-24, with a stunning CAGR of 44%. While digitisation brings convenience, it also fuels sophisticated fraud threats. However, the solution may lie within the problem – analysing digital transactions to combat this menace. The growth of digital payment systems creates […]

Financial Statement Analysis
Bank Statement Analysis

Unlock Hidden Insights: Advanced Financial Statement Analysis Tools for Modern Lenders

October 30, 2024 precisateam No comments yet

Traditional financial statement analysis methods are increasingly becoming obsolete. They primarily rely on basic tools such as the Profit and Loss Account and Balance Sheet, failing to deliver comprehensive insights into a company’s financial health.  Furthermore, the heavy dependence on historical data can lead to outdated conclusions and predictions that do not reflect current market […]

Bank Statement Analysers
Bank Statement Analysis

8 Important Metrics Bank Statement Analysers Evaluate and Track

October 26, 2024 precisateam No comments yet

Indian banks have written off a whopping $9.9 trillion worth of loans in the last five years, out of which they could recover about $1.84 trillion. It is also worth noting that around 2,623 wilful defaulters owe around $1.96 trillion to banks in India. These figures reinforce the need for tighter scrutiny of the borrower’s […]

Bank statement software
Bank Statement Analysis

AI Loan Assessors: How Bank Statement Software is Transforming Lending?

October 22, 2024 precisateam No comments yet

Imagine applying for a loan and receiving approval within minutes—all thanks to cutting-edge AI tools. No more waiting for days as your paperwork is shuffled between departments. This is the future of lending, powered by AI-powered bank statement software or loan assessors.  These tools are helping lenders improve the quality of their decisions by providing […]

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