Early warning signals (EWS) are indicators that help banks identify potential liquidity problems in businesses before they become critical. These signals help banks proactively manage their exposure and protect themselves from losses. The liquidity of a business is reflected in...

Did you know in the fiscal year 2023, India witnessed a staggering 103 billion digital transactions, amounting to over 166 trillion Indian rupees. Despite the substantial financial activity across the nation, effectively organising transactions in your bank statement remains a...

India, home to 9,000 fintechs, has the third-highest number of fintechs globally and holds a 14% share of Indian startup funding. Many fintech startups in India have forayed into digital lending. These fintech companies extend credit through the Non-Banking Finance...

The balance sheet is a financial statement that provides information about a company's assets and its sources of capital (equity and liabilities/debt). In this context, balance sheet analysis examines a company's balance sheet to assess its financial position, liquidity, solvency,...

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...

The use of Artificial Intelligence (AI) comes with several opportunities to help businesses scale and excel in meeting their goals. AI is now being used in almost every field to build innovative products and services. AI-based predictive analysis is key...

AI in banking is redefining the financial sector and changing how banks function and interact with customers. Financial institutions are assessing options and adopting groundbreaking technology to meet the ever-evolving expectations of tech-savvy customers and meet emerging challenges like security,...

Traditionally, banks have proactively embraced new technologies to improve their services and gain customers. Banks have consistently rolled out tech-driven solutions, from digital ledgers and ATMs to online banking and debit cards. Today, there is unmissable hype around artificial intelligence...

Non-Banking Financial Companies (NBFCs) are crucial for offering various financial services in the contemporary financial and lending landscape. They act as alternatives to regular banks, using advanced tech to streamline operations, manage data efficiently, and meet regulations. The introduction of...

Rеsponsiblе lеnding is a concеpt gaining incrеasing prominеncе. It essentially involvеs еnsuring that loans arе disbursеd to borrowеrs who havе thе ability to rеpay thеm, thus rеducing thе risk of dеfaults and financial instability. To achiеvе this, credit appraisal systems havе...