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Don’t Cut Corners: Crucial Capabilities for Robust NBFC Software
Digital Lending

Don’t Cut Corners: Crucial Capabilities for NBFC Software

March 30, 2024 precisateam No comments yet

Non-banking finance Companies(NBFCs) have witnessed exponential growth globally and within the country. They are playing a crucial role in providing people and businesses across India with access to basic financial services. Emerging technology has also enabled the NBFC software to widen and deepen its reach; they have been instrumental in ensuring last-mile connectivity. So, whether it […]

business loan frauds
Digital Lending

Lender Awareness: Understanding the Most Common Business Loan Frauds and Scams

February 21, 2024 precisateam No comments yet

Many lenders often decide to entice borrowers with the promise of instant loans. However, lenders’ urgency to disburse more loans and borrowers’ eagerness to receive them can have adverse consequences, especially if the former does not perform due diligence. For example, lenders face the risk of engaging in loan fraud when dealing with dubious borrowers. […]

GSTR Analysis
Digital Lending

Red Flags in GSTR Analysis: What Lenders Should Look For When Reviewing Returns

February 9, 2024 precisateam No comments yet

As the world becomes increasingly interconnected and digitised, each transaction and interaction generates valuable data, which, if harnessed well, can offer invaluable insights and aid decision-making. One such revolutionary use of data is the leveraging of Goods and Service Tax (GST) data by lenders to make more objective lending decisions. GSTR analysis helps lenders employ […]

credit bureaus in India
Digital Lending

Navigating Financial Success: The Role of Credit Bureaus in India

January 25, 2024 precisateam No comments yet

The financial sustainability and growth of an individual or a business are often intricately linked to their access to credit. Whether it is an education loan for an individual or a working capital loan for a company, all play a vital part in promoting the growth and well-being of the borrower. The importance of a […]

day past due
Digital Lending

Getting Ahead of Delinquency: Proactive Steps Lenders Can Take at 30-Day Past Due

January 9, 2024 precisateam No comments yet

In lеnding and crеdit, staying ahеad of dеlinquеncy is crucial. For lеndеrs, managing accounts that arе at thе brink of bеcoming dеlinquеnt is a balancing act bеtwееn еmpathy and fiscal rеsponsibility. When an account hits thе 30-day past due mark, it’s pivotal for lеndеrs to act swiftly and dеcisivеly to prеvеnt furthеr financial distrеss for […]

duration gap analysis Vs negative gap analysis
Digital Lending

Duration Gap Analysis Vs Negative Gap Analysis: The Differences

December 30, 2023 precisateam No comments yet

As the lending industry attempts to fill in the gaps and scale at a faster pace, there is a proportionate increase in risks. Unpaid loans, regulatory risks, market risks, and operational risks are all potential reasons for businesses to run on losses and potentially go bankrupt. To build more resilience into their balance sheets, lenders […]

debt recovery strategies
Digital Lending

Innovative Debt Recovery Strategies: Supercharging Collection Outcomes

December 27, 2023 precisateam No comments yet

The debt recovery function plays an important role in the profitability and sustainability of lender operations. The inability to recover outstanding loan debt can diminish a lender’s finances. Escalation of bad loans can also lead to consequences such as bankruptcy and shutdown for lenders. The rise of non-performing assets (NPAs), for instance, eats into profitability […]

business intelligence in the banking industry
Digital Lending

Business Intelligence in the Banking Industry: Navigating Sustainable Lending with AI

December 23, 2023 precisateam No comments yet

Lending is one of the fastest-growing verticals in the industry. Capitalising on the large credit gap among both business and consumer borrowers, Banks, non-banking financial companies, and other lenders view it as a high-potential revenue stream. However, the traditional banking ecosystem is not fully equipped to serve borrowers based on their diverse needs or execute […]

bank analyser
Digital Lending

Achieving Confidence in Lending: How Bank Analyser Enables Accurate Loan Decisions

December 20, 2023 precisateam No comments yet

Advances in data analytics, big data, and artificial intelligence (AI) have opened up new avenues for banks and other financial institutions to improve their credit decision-making models. Additionally, the increasing appetite for digital transformation and sophisticated tech-driven services has translated into introducing innovative tools like bank analyser in the banking ecosystem.  The Indian financial ecosystem […]

Account Aggregators
Digital Lending

How Account Aggregators are Using ‘Informed Consent’ and Revolutionising Digital Lending

November 26, 2023 precisateam No comments yet

When financial data is involved, consenting without the full knowledge of the terms and conditions can have trust-reducing consequences for consumers. This can make financial consumers more reluctant to consume important services like loans. On the other hand, consumers may also need to share the same data several times when applying to multiple service providers […]

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