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Automated Bank Statement Extraction
Bank Statement Analysis

How Automated Bank Statement Extraction Accelerates Loan Approvals

April 16, 2024 precisateam No comments yet

Latest reports suggest that around 67% of Indians have applied for a personal loan at some point in their lives. Furthermore, India’s consumer borrowings have surged in recent years as more people fulfil their aspirations, including travel, buying a new car, building a house, and more. As a result, traditional and non-traditional lenders, including banks, […]

How Are Technology and Data Enhancing Credit Appraisal Process?
Credit Appraisal

Credit Appraisal Process: How Technology and Data Are Enhancing It

April 12, 2024 precisateam No comments yet

Accurately assessing the borrower’s creditworthiness is necessary for a lender’s long-term success and stability. It is an integral part of the lending process; accuracy and promptness are two key aspects to consider in the credit appraisal process. Credit appraisal or credit assessment involves a comprehensive evaluation of the applicant’s credit history, financial capacity, and ability […]

8 Ways Bank Statement Analysis by Precisa Can Accelerate Productivity
Bank Statement Analysis

8 Ways Bank Statement Analysis by Precisa Can Accelerate Productivity

March 25, 2024 precisateam No comments yet

Productivity levels are an important measure of success for ambitious lenders looking to build a long-lasting, profitable business. A recent survey indicated that seven out of every 10 employers prioritise the quality of work, while performance indicators such as targets and project completion on time are considered to be primary indicators of productivity. As more lenders […]

Bank Reconciliation Statement Analysis of Data: Optimise Lending Decisions
Bank Statement Analysis

Bank Reconciliation Statement Analysis of Data: Optimise Lending Decisions

March 16, 2024 precisateam No comments yet

Data is increasingly vital in enabling businesses to streamline their workflows, drive revenues, and become profitable in the Internet economy. According to a McKinsey survey titled ‘The data-driven enterprise of 2025,’ adopting artificial intelligence (AI)- powered data practices is helping businesses grow revenues by at least 20% before interest and taxes.   Access to high-quality data […]

Explore the Importance of Digital Data for Instant Credit Appraisal Process
Credit Appraisal

Explore the Importance of Digital Data for Instant Credit Appraisal Process

March 12, 2024 precisateam No comments yet

Digital innovation and fintech have made life easier than ever. There is hardly any waiting in the line. You can simply book tickets, order groceries, or even secure a loan in minutes – all from the comfort of your home. The instant loan market in India is making financial help more accessible than ever with […]

The Role of Automating Bank Statement Analysis with Python and AI
Bank Statement Analysis

Streamline Bank Statement Analysis with Python and AI: Faster, Smarter Decisions

March 8, 2024 precisateam No comments yet

Scaling a lending business presents a significant dilemma: higher loan volume increases potential profits but also the risk of default and fraud. Thorough risk assessment is essential, yet the sheer number of loans can make this process overwhelming. Lenders that embrace the benefits of technologies such as automation, Artificial Intelligence (AI), and Python can strengthen […]

Key Metrics in Different Financial Statement Analysis for Bank Loans
Bank Statement Analysis

Key Metrics in Different Financial Statement Analysis for a Bank Loan

March 4, 2024 precisateam No comments yet

Lenders generally need to cross-examine the applicant’s financial strengths and weaknesses before approving a loan application. Financial statement analysis helps them make these decisions; it involves evaluating an applicant’s financial statements to assess their financial health and determine their creditworthiness. This includes information about the borrower’s assets, liabilities, income, and expenses. Financial statement analysis for a […]

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. […]

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 […]

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