Blog

DLAI She Leaders: Turning point of Tanul Mishra’s career

May 6, 2020

Turning Points that cleared out paths and sharpened my focus I don’t take the phrase “turning point” lightly for I am all too aware of the weight hidden in these seemingly casual words strung together. Oftentimes it takes more than one incident, one aha moment and one flare of inspiration for a dream/vision/idea to truly […]

DLAI She Leaders: Turning point” of Lizzie Chapman’s career

May 6, 2020

Over the years, I’ve found that failures are often far more constructive than successes. The moment the rug gets pulled out from under you is probably when you truly consider any and all options in order to be upright and moving forward. It was exactly this sort of moment that gave birth to what would […]

Why Converting a Payment Bank to a Small Bank is a counter-intuitive idea?

May 6, 2020

Payment banks are claiming that they have an unfeasible business model and must be allowed to lend as well. We are already in that phase of the market cycle where all NBFCs are under stress (thanks to IL&FS crisis) and many are failing. The asset quality and the ability to assess credit of FIs (Financial […]

Minimizing cybersecurity risk – Understanding the How-To aspect

May 6, 2020

With great data, comes great responsibility. From 2013 to 2019, there have been 5 massive cyberattacks that have resulted in breach of information of more than 400 million users, each time. Yahoo, First American Fin Corp, Facebook, Marriott International, these are some of the biggest international corporates, and all of them have been recent victims. […]

Complying with IT Security Guidelines

May 6, 2020

The world is undergoing a digital revolution, and its effects have become crucial to the very functioning of society. But while this digital connectivity has given rise to newer heights and incredible developments, it is also paving way for newer vulnerabilities and security loopholes that cybercriminals breed into. The global threat landscape is evolving at […]

Identity Risk Management : Challenges and Solutions

May 6, 2020

With the fast paced evolution of Fintech Ecosystem in India in the last few years, identity theft has become the largest contributor to fraud. With so much data being leaked online, it’s astonishingly easy for fraudsters to mimic another individuals identity, use stolen credit card information or take over an account. Juniper Research estimates that […]

Fintech Lending in India

May 6, 2020

The Backdrop India as a consumer market is fairly complex in terms of geography, cultural preferences and consumer behaviour. For any given product or service, there are multiple consumer segments, each with its own unique set of buying preferences. But a common unifying factor is the ubiquity of mobile connectivity and the rapid adoption of […]

Data-driven credit for SMEs

May 6, 2020

Summary: SME lending in India has caught the attention of Bankers and FinTechs alike. Lending to SMEs is expected to increase up to 23% by 2023, and data will be the driving force behind this growth. The opening up of alternative data sources and the ease of access to APIs have made credit assessment robust […]

Credit History – What Works and What Doesn’t for Business Loans

May 6, 2020

Many a time, business owners encounter constraints based on credit score and credit history while applying for loans. If you are familiar with credit evaluation companies like CIBIL, Equifax, Experian, Highmark, you might already know about credit scores. Going a step further, lending companies also assess businesses based on their credit history. In simpler terms, […]

How should Regulators Support FinTech: A Comprehensive Guide

May 6, 2020

FinTech is driving the new business model and dramatically changing the face of the financial domain with the latest tech-savvy tools, which offer increased productivity in the most efficient and cohesive manner. With such great advantages, it is also challenging the government and the regulatory bodies to come up with laws, which strike the right […]