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Reducing Loan Default Risk With Pre-Disbursal Verification Layers
Every lender knows the sinking feeling. The loan looked fine on paper. Documents were submitted. The credit score was acceptable.
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Rethinking Borrower Risk Assessment in the Age of Real-Time Data
For decades, borrower risk assessment followed a familiar script. An application comes in. A credit score is pulled. Maybe a
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How Alternative Data Is Changing Credit Underwriting in India
A few years ago, getting a loan in India followed a familiar script. You filled out a form, submitted your
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From Pixels to Proof: OCR Document Verification Made It Real
If you’ve ever tried to verify a document from a photo taken in a dimly lit room, you already know…
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Deepfake Dilemma: Why Your Next Customer Might Not Even Exist
Imagine this: A new customer signs up on your lending app. The KYC process looks smooth. Documents check out. The…
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Penny Drop Verification: Preventing Fraud, One Rupee at a Time
In our modern digital-first economy, companies and financial institutions handle thousands of transactions daily. From onboarding a new supplier to…
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Cracking MSME Onboarding in Bharat: KYB Challenges & Solutions
A few days ago, I met an old colleague who now runs SME lending at an NBFC. Over tea, he…
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The Hidden Hero of India’s DPI: Customer Journey Orchestration
India’s Digital Public Infrastructure (DPI) has been recognized as one of the most successful and ambitious digital inclusion experiments in…
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Video KYC Process: Speed, Security, Compliance in One Frame
If you’ve ever opened a bank account some years ago , you probably remember the drill—forms, signatures, and waiting in…
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Speed vs. Safety: The Trade-Off in Digital Onboarding
Remember the last time you opened a bank account, took out a loan, or signed up on a new fintech…
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Rethinking KYC: How Indian Banks Are Using APIs to Stay Ahead
If you’ve ever opened a bank account in India a few years back, you’ll remember the drill—forms in triplicate, passport…
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Inside the Identity Theft Boom: What’s Driving the Surge
A few years ago, my friend got a call from “her bank.” The voice on the other end was polite,…
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Face Based Biometrics: Changing Identity Verification?
Not too long ago, protecting your identity online was a matter of memorising a tricky password or carrying around some…