Digital Lenders Association of India

Blog

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

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

January 9, 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- DLAI Blog

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

December 13, 2019

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?- DLAI Blog

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

September 30, 2019

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- DLAI Blog

Minimizing cybersecurity risk – Understanding the How-To aspect

September 19, 2019

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- DLAI Blog

Complying with IT Security Guidelines

September 19, 2019

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- DLAI Blog

Identity Risk Management : Challenges and Solutions

June 1, 2019

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- DLAI Blog

Fintech Lending in India

January 16, 2019

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 the internet as a data source influencing the buying decision.
Data-driven credit for SMEs- DLAI Blog

Data-driven credit for SMEs

October 30, 2018

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 and easier for lenders and customers. Initiatives like GST(N) and Bharat Bill Pay System (BBPS)…
Credit History – What Works and What Doesn’t for Business Loans- DLAI Blog

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

July 6, 2018

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- DLAI Blog

How should Regulators Support FinTech: A Comprehensive Guide

July 4, 2018

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