When your loan officer asks, “What’s the outstanding amount on loan ID 208241?” at 4 PM on a Friday, how long does it take them to find the answer? If they’re new to your team, they might spend 15 minutes navigating through multiple screens in your LMS, and they might still be figuring out which […]
RBI Backs Cash-Flow Lending for MSMEs: What This Means for Your Lending Strategy
The 30th Standing Advisory Committee (SAC) in Coimbatore on October 27, 2025, highlighted the urgent need for Micro, Small, and Medium Enterprises (MSMEs) lending models to shift from a traditional collateral-based approach to cash-flow-based lending. This strategic realignment is critical for overcoming the current challenges faced by MSMEs. As per a survey of 2,000 MSMEs, […]
The Rise of Virtual Credit Card Fraud: What Lenders Need to Know
With 67% of the 2000+ Fintech startups incorporated in the last five years alone, the world of digital payments in India is changing fast. Amidst this boom, virtual credit cards have revolutionised digital transactions with their ease of use. However, this innovation has also paved the way for a concerning rise in virtual credit card […]
How Will RBI’s New Offline Payment Framework Impact Fintech Growth?
Many have encountered a frustrating situation where they could not make a UPI payment due to poor internet connectivity. It is the sole reason that leads to the disruption of digital financial services, resulting in issues like failed transactions, UPI apps stuck at the loading screen and waiting endlessly for the merchant details to show […]
Top 5 Mobile Banking Trends to Look Out for in 2022
While 2020 was marked with uncertainties for all the industries, 2021 was geared towards businesses adjusting their strategies for a once-in-a-lifetime pandemic. Digitisation of user experience, for instance, was at the heart of the pandemic-era innovation. The pandemic-led lockdowns urged people to adopt digital ways of performing routine transactions. As a result, “95% of transactions […]
The Rise of Co-Lending and How it Can Ease Credit Availability
Businesses need substantial working capital to maintain their cash flow, ensure smooth functioning, and boost profitability. With time, many small lenders have made a tremendous impact by availing credit to businesses in sectors such as small and medium enterprises (SMEs), agriculture and education. This has also led to difficulty in getting capital for non-banks to […]