Digital lending is considered to be one of the fastest-growing verticals in the Fintech space. In India, for instance, digital lending grew from a market value of $ 9 billion in 2012 to $ 350 billion by 2023. As the scale and speed of lending grows, so does the proportion of risk. Lenders are susceptible […]
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 status. A cash flow statement, in conjunction with a company’s balance sheet and income statement, […]
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 per Allied Market Research estimates, the global AI in banking market size stood at […]
Early warning signals in banks are indicators that help lenders and financial institutions 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 the abundance of its cash and readily convertible cash equivalents. Strong […]
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 the abundance of its cash and readily convertible cash equivalents. Lenders prefer borrowers who have […]
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 critical task for gaining insights into your spending patterns. Lenders always struggle to figure out […]
The balance sheet is a financial statement that provides information about a company’s assets and its sources of capital (equity and liabilities/debt). In this context, balance sheet analysis examines a company’s balance sheet to assess its financial position, liquidity, solvency, and overall financial stability. It has emerged to be a valuable tool that helps lenders, […]
The banking industry has undergone an extensive transformation over the last few years. Rapid digitisation of banking processes and financial ecosystems is reshaping business. Many banks are reducing the number of physical branches while enabling consumers to open accounts online and carry on their transactions in no time. On the flip side of this heartwarming […]
Despite the arrival of cutting-edge technologies, including artificial intelligence (AI), robotic process automation (RPA), and big analytics, Microsoft Excel still commands a firm grip over financial companies. Even today, analysts at Wall Street continue to rely on Excel sheets primarily due to their reliability, long history of use, and, sometimes, the sheer aversion to switching […]
There is a growing trend of some players in the startup world using misrepresented financials to attract an injection of capital into their ventures. For instance, a recently acquired promising startup was in the news when the acquirer discovered that the business’s financials did not tally up. The acquirer business, despite all efforts, landed in […]
