Fresh insights on credit risk, AI in lending, financial compliance, and data-driven decision-making; written for the professionals reshaping modern finance.
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Lending Technology
May 18, 2026
Introduction The Account Aggregator framework was opened for public use in September 2021 with eight founding banks. Since then, the ecosystem has…
Lending Technology
May 18, 2026
Introduction In the Account Aggregator framework, the term “consent manager” refers to the Account Aggregator entity itself, which is a licensed NBFC…
Credit Underwriting
May 18, 2026
Introduction India has approximately 160 million people in the formal credit system, CIBIL-scored borrowers with established credit histories. The remaining 900+ million…
Credit Underwriting
May 18, 2026
Introduction Home loans are India’s largest retail lending category by outstanding amount. They also carry the most documentation-intensive underwriting process, income verification…
Credit Underwriting
May 11, 2026
Personal loan approval in India has historically been a document-heavy, time-consuming process. Salary slips, bank statements, ID proof, and employment letters. Collecting…
Risk & Compliance
May 11, 2026
The Account Aggregator framework operates under a detailed regulatory architecture. Understanding that architecture- specifically, what RBI’s directions require and how they interact…
