There has been an increase in non-performing assets (NPAs) in the Indian lending sector. Banks, NBFCs, Fintechs, and digital lenders are focusing more on risk management. According to provisional RBI data, the gross NPA ratio for Public Sector Banks (PSBs) declined to 2.58% in March 2025. In this unstable economy, lenders are seeing their asset … How Debt Management Software Helps Lenders Reduce Risk
The adoption of Artificial Intelligence (AI) has become necessary for small and medium-sized enterprises (SMEs). AI technology plays a vital role in revolutionizing SME finance by offering many benefits and transforming traditional practices. It is a key strategy to streamline financial operations and enhance customer experiences. Small businesses in India employ over 100 million people … Enhancing SME Lending with AI-Powered Financial Analysis
Artificial intelligence (AI) is influencing the finance sector all over the world. Financial institutions have started using AI to streamline loan approvals, automate routine tasks, and improve the customer experience. AI-driven decision-making processes enable quicker and more intelligent choices in terms of identity, fraud, and credit. By 2032, the AI in the finance market is … AI-Powered Credit Scoring: Transforming Lending Decisions for the Future
India’s lending market is growing exponentially due to an expanding middle class, advancements in technology, and a surge in non-traditional distribution channels. The competition is rapidly heating up as a surge of digital-only lenders, fintech firms, and non-banking financial companies fight for the borrower’s attention. The borrower, in turn, demands no less than a seamless … AI Lending Platforms and the Future of Digital Credit in India
In recent times, digital lending and technology have led to a revolution in loan processing and made loan origination and loan approvals much easier and faster. Digital lending is the practice of offering loans online rather than through traditional, in-person methods. Borrowers can apply, have their loan approved, and receive funds through websites or mobile … Why Banks and NBFCs Are Rapidly Adopting Digital Lending Solutions
Lending in India will not be getting any easier. Banks and NBFCs face pressure to grow faster than ever. At the same time, they must keep risks in check. In this fast-paced environment, a business credit check is your first filter. Think of it as an early warning system. And often the first credit check … How to Conduct a Smart Business Credit Check Before Lending
Today’s evolving financial services industry has entered the Artificial Intelligence (AI) phase of digital lending. Thanks to the advances in AI and machine learning (ML), and generative AI (GenAI), the future of the lending industry is undergoing a significant transformation. AI-driven lending solutions are enabling lenders and financial institutions to automate processes, reduce costs, improve … How Artificial Intelligence Is Transforming the Future of Lending
In India, managing a credit portfolio management system has taken top priority at financial institutions. Ten years ago, this work could be easily done with the help of Excel sheets and some manpower, but it is not possible today. A loan portfolio management system is what banks and lenders need to manage risk, analyze their … 8 Must-Have Features in a Robust Loan Portfolio Software
In 2025, the global banking sector is undergoing a significant shift, which is led by the rapid adoption of generative AI in banking. Unlike earlier times that relied on the historical trends and static rules, generative AI in banking enables banks to create human-like responses, support real-time decision-making at scale, and synthesize insights from a … How Banks Are Using Generative AI to Drive Innovation
A lending process in India is not an easy task to execute. In reality, it is a complex ecosystem with various individuals, such as borrowers, lenders, and technology platforms involved in it. On the technology front, the main components are customer relationship management (CRM) software, mortgage point-of-sale (POS) software, and a mortgage loan origination system … Understanding the Best Loan Origination Solution for Small Business Lenders