A cooperative bank’s credit committee approves a working-capital loan for a local trader on a Thursday. The paperwork was complete on Monday. By the time the sanction letter reaches the borrower, the NBFC branch two streets away has disbursed a similar loan, approved and paid out within two days of the same application. Finezza works […]
Why Loan Approvals Differ Across Cooperative Bank Branches
A weaver in Solapur applies for a ₹3 lakh personal loan at his cooperative bank’s local branch and gets it sanctioned in four days. His cousin, banking with the same cooperative society but at a branch forty kilometres away, applies for a near-identical amount against a similar income profile and waits three weeks before being […]
Future of Lending 2026: Key Trends Banks & NBFCs Must Watch
The lending landscape in India doesn’t change gradually. It moves in structural shifts, driven by regulatory mandates, maturing infrastructure, and borrower expectations that outpace most institutions’ ability to adapt. As 2026 gets underway, several of these forces are converging at once, and the lenders best placed to benefit are those who treated them as present […]
Understanding the Types of Invoice Financing: Factoring vs. Discounting
Maintaining cash flows efficiently is an important aspect of business growth. Companies budget a certain amount of funds to help meet their production expenses. However, sometimes, companies may need a sudden influx of cash to help fund an order of a larger ticket size. This is where access to invoice financing can help them fulfill […]
Open Banking vs Platform Banking: Implications for Traditional Banks
Traditional banks often struggle to adapt due to a lack of innovation and personalised services, leaving them vulnerable to disruption. Open banking addresses these issues by securely enabling data sharing between banks and approved third parties via application programming interfaces (APIs). This collaborative method sharply contrasts with traditional banking’s siloed data model. India’s open banking […]
Some Ethical Considerations in AI-Driven Bank Statement Analysis
Artificial intelligence (AI) is set to become an integral part of the financial landscape, including balance sheet analysis for decision-making. AI-powered solutions can help lenders improve efficiency by reducing processing time and increasing productivity. While its integration offers numerous benefits, the use of AI in the financial domain also raises some ethical concerns like the […]