You approved a borrower with a 750 credit score, perfect payment history, and 35% utilisation. Three months later, they defaulted. If your lending institution is facing similar incidents more often, you are probably missing evaluating the critical data points in credit bureau reports. According to RIS (Research and Information System for Developing Countries), unsecured loans […]
Complete Guide to Building a Digital-First Loan Collection Strategy
Digital banking has transformed borrower expectations. Lenders must now build loan collection strategies that leverage technology, data, and customer-centric communication to maximise recovery while maintaining positive relationships. The emphasis should be on implementing a data-driven and customer-focused approach that prioritises outcomes and leverages digital platforms. Developing a digital-first loan collection strategy is vital for maximising […]
How RBI’s New Loan Rate Rules Transform Your Lending Operations
The Reserve Bank of India (RBI) announced regulatory amendments to the structure governing loan rate rules, lending against gold/silver collateral, and Perpetual Debt Instrument (PDI). Three significant regulatory changes took effect on October 1, 2025; four remain open for consultation until October 20, 2025. The proposed reform aims to modernise the lending framework by easing […]
How to Integrate Customer Data Across Platforms for a 360° Lending View
Picture this: Most banks run 10-15 separate core systems, like loans, credit cards, and CRM, that do not communicate easily with each other. The result is fragmented data, duplicate customer profiles and siloed records. These issues obscure a borrower’s full financial picture. This silo problem is widespread. A 2024 survey found 57% of banking executives […]
Guide to AI-Powered Loan Management Software for Modern Lenders
Manual loan processes slow lenders down. In 2023, only 15 percent of lenders used artificial intelligence, but that number jumped to 38 percent in 2024. By 2025, Fannie Mae predicts 55 percent of lenders will pilot or expand AI. Relying on paper forms and fragmented systems means lost time, higher operational costs, and missed opportunities. […]
How Pre-Integrated Lending Platform Accelerate Time-to-Market
Pre‑integrated lending platform solutions are rewriting the rules of digital lending. Lenders historically built bespoke systems with long implementation cycles, manual processes and rising costs. In a market where borrowers expect instant credit decisions, these delays are costly. Statistics show that India’s digital lending market could reach ₹15 trillion by 2030 with a 25.6 % […]