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 […]
The Lending Life Cycle for Loan Against Property: Steps Most Lenders Skip
The origination stage of a Loan Against Property (LAP) gets the most scrutiny a lender’s process ever applies to it. Title verification and technical valuation run in parallel before sanction, treated as the disciplined part of the file. Finezza’s work with lenders running LAP books keeps turning up the same pattern: once the loan is […]
Setting Up LMS for Debt Factoring Products
Debt factoring has a different structure from a term loan at the product level, and most Loan Management Systems (LMS) aren’t built to handle it. Setting one up for a factoring book requires deliberate work across four specific areas: reserve account management, three-party cash flow tracking, separate product logic for recourse and non-recourse facilities, and […]
Best Loan Origination Systems for Digital Lenders in India
TL;DRIndia’s LOS market hits USD 7.15 billion in 2026. RBI Co-Lending Directions 2025 are now in force. Digital loan drop-off rates remain above 60%. GST data has become the primary underwriting signal for MSME credit. The platform you choose today shapes your portfolio quality for the next five years. The 8 platforms in this guide: […]
The Lending Life Cycle Events Your LMS Should Automate But Probably Doesn’t
When lenders talk about Loan Management System (LMS) automation, the conversation usually centres on origination: faster document extraction, automated credit scoring, and straight-through processing for clean applications. These are real improvements, and they have compressed disbursement timelines across the industry. But the origination phase lasts weeks. The post-disbursement life of a loan lasts for years. […]