Lenders who’ve already invested in a Loan Management System (LMS) usually raise one complaint more often than any other, and it isn’t about origination or disbursement. It’s collections. The account shows overdue. Everyone can see the DPD (Days Past Due) counter ticking up. And still, nothing happens inside the system to move that account forward, […]
What a 45-day Go-live Actually Looks Like for a Co-operative Bank
A 45-day go-live for a co-operative bank breaks down into four stages: configuring the bank’s loan products and approval rules, connecting existing systems and switching on integrations, testing with branch staff, and a phased rollout. That’s the short version, and it’s also the version most co-operative bank boards don’t believe the first time they hear […]
No-Code Loan Management System India: What No-Code vs Low-Code Actually Costs Your NBFC
A genuinely no-code loan management system in India lets a credit manager launch a new loan product without an engineering ticket. Finezza sees the same failure pattern across NBFC technology evaluations: a platform is marketed as no-code during the sales cycle, then turns out to need a developer for anything beyond the demo screen. This […]
Does Your Lending Management System Handle Gold Loans?
Most Loan Management Systems (LMS) still treat gold loans as a lightly configured term loan: set the loan-to-value (LTV) ratio, set the tenure, done. That’s no longer enough. RBI’s Lending Against Gold and Silver Collateral Directions, 2025, fully effective from 1 April 2026, changed how LTV gets calculated, how long a bullet loan can run, […]
Why Virtual Credit Cards Need a Different Repayment Plan
A product head at an NBFC launches a virtual credit card tied to a UPI-linked credit line. The team maps its repayment schedule the usual way: a fixed due date, a flat instalment, the same logic as a personal loan. Three months in, delinquency tagging comes out wrong every few cycles, interest accrual doesn’t match […]
Why Cooperative Banks Need More Than Core Banking Software
A credit officer at a district cooperative bank pulls up a loan file for a small trader who needs working capital before the festive season. The core banking software shows the trader’s savings account and transaction history, and it will show the loan account once one is created. It does not say whether cash flows […]