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An investment in knowledge pays the best interest. – Benjamin Franklin To say that the COVID-19 pandemic has changed the world would be an understatement. Most, if not all the people alive today have never experienced a complete lockdown like the one we face today. The effects of this are bound to be immense and…

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If you are using a travel site to book flight tickets or an entertainment app to book movie tickets or simply making payments through your mobile, you are using APIs- the technical name for programs that help software systems connect with one another and perform tasks by sharing information. Closer to home, a telling example…

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Bank digital lending

Even as the most devastating crisis of our times plays out, banking and financial services continue to hog the limelight simply because they are needed to dispense cash, make payments and loans– thelifeblood of our economy even in normal times. While FinTech and digital lending have been around for many years now, they have been…

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use of apis across industries

“We have to stop optimizing for programmers and start optimizing for users. — Jeff Atwood Just a decade ago, the term API would have sounded foreign to anyone not directly involved with software development. Application Programming Interface—just the abbreviation is a mouthful. But in 2020, and more in the years to come, this term is…

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FinTech underwriting

Of the over 2000 FinTechs in India, only 4 find a place in the list of 20 plus Indian unicorns and none of them are in the lending business. There is something about lending that goes beyond technology; one, it requires large capital and continuous fund infusion and two, there is substantial risk which tech…

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Finance

As per the BCG Digital lending report, total digital lending contribution was 75 billion as of 2018 and is forecasted to be 110 and 150 million by 2019 and 2020. This is proof that digital lending is no longer a ‘differentiator’– it has become a strategic imperative. Going digital with lending: Digital lending is one…

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Neo Banks and Account Aggregators

The current buzz in fintech is around Neo Banks and Account Aggregators (AA). Investor interest in Neo banks especially, seems to have spiked with about 8 players raising over $90 million in recent times. As for AAs, the news is that RBI regulations are getting in place and in-principle approval has been accorded to about…

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Digital Mortgage lending

There are over 500 alternative lenders in India, next in volume only to payments players. While they may have filled the space left vacant by banks and NBFCs in SME financing especially, a surprising fact is that there are very few of them doing mortgage finance. Even globally, such as in the US where mortgage…

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Video KYC

Digital revolution is here, and what more of a testament could one ask for than the RBI’s latest announcement. That’s right! RBI’s circular on January 9,2020 was the talk of the town not just among industry professionals in the BFSI segment but across the entire gamut of industrial ecosystem. Let us understand how this remarkable…

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Digital lending

Did you know that India’s digital lending stood at US$ 75 billion in FY18 and is estimated to be US$ 1 trillion by FY2023? Astonishing, isn’t it? This exploding term (digital lending) is quite the buzzword in the world of digital transformations. But how exactly does this trend transform the lending game? Well, it’s time…

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