Alternative Data

A sector thrives when it's in tune with how value is created and delivered. Traditional banking systems were built for transaction processing and not for customer intelligence.

The success of digital lending hinges on understanding these credit behaviors. The AA framework opens unprecedented access to the rich financial data stream, which, when properly used, can transform lending decisions.

FinBox CDP combined with Account Aggregator data can combine financial data such as a bank account, loans, and investments/assets into one profile.

Budget 2024 for MSMEs: A new credit model, increased govt support, and a higher Mudra limit...

Can alternative data help combat India's mule account problem?

The Account Aggregator framework was expected to be a watershed moment, not unlike UPI, for financial services. So far, its enormous impact has been evident in consumer lending, but with the inclus…

The induction of the Goods and Services Tax Network (GSTN) on the Account Aggregator framework is expected to add another dimension to underwriting for small businesses. Underwriters process variou…

Bankers, when queried about their primary concerns, often cite the persistent worry of fraud risk keeping them awake at night. Despite implementing various safeguards, the highly digitized world we…

Income estimation stands as the bedrock of credit underwriting, a decisive metric empowering lenders to make informed lending decisions. It gauges repayment capacity, allowing financial institution…

Hello everyone, Welcome to the 74th edition of The Pattern, a weekly newsletter where I dissect and unpack

The economic prosperity of a country and its citizens hinges on responsible access to affordable credit. Monumentally important decisions like buying a home, getting a business loan or even a medic…

Unlock the secrets of credit risk modeling with our comprehensive guide. Master the skills and knowledge needed to become an expert in credit risk management