Credit Decisioning

How the three-lender cap rule aims to fix overleveraging, reduce NPAs, and bring clarity to India's microfinance lending ecosystem.

Gen Z makes up 41% of new borrowers in India--but tighter lending norms are shutting them out. What does this mean for the future of credit?

Discover how women are driving India's economic growth through credit awareness, entrepreneurship, and financial independence, yet still face systemic lending challenges.

Banks are aggressively competing for mid-sized borrowers, slashing rates and underpricing risk amid RBI's crackdown on unsecured loans.

The big fight between cash crunch, interest rates and a slowdown in waiting.

CEIB access levels the playing field for private banks, but fintechs are still crucial for smarter risk management and collections.

Will 2025 be the year for India's economy?

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.

RBI is giving major red flags to the lending sector, which has raised concerns from private banks, and government directives cast shadows over microfinance's future in India.

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.

Delays in repayments come back to haunt micro-lenders.

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