Credit scoring has long been the backbone of lending decisions for banks, NBFCs, and fintechs. Traditional models—like FICO or CIBIL—depend heavily on historical repayment data, static rules, and rigid scoring frameworks. While these models served their purpose, they often fail to provide real-time, holistic, and fair evaluations of borrowers in today’s dynamic financial environment. This …
Financial institutions today face unprecedented pressure to comply with global regulations. With $4.3 billion in penalties levied in 2024 by U.S. regulators and record fines in India (e.g., Paytm Payments Bank fined ₹54.9 million), compliance has become both a cost center and a strategic necessity. Traditional compliance frameworks, heavily dependent on manual checks and static …
If you’re running a fintech startup, managing a digital lending platform, or leading innovation at a financial institution, you’ve probably asked yourself: “How do we keep our systems secure?” It’s a critical question—and for good reason. As technology becomes the backbone of financial services—from online transactions to digital wallets—the security risks multiply exponentially. Hence, a …
If you’re an accountant, bookkeeper, or finance professional, you’ve probably had this conversation with yourself: “Everyone keeps talking about AI changing everything, but what does that actually mean for my job?” It’s a fair question—and an important one. You’ve seen the headlines about AI revolutionizing industries, automating jobs, and transforming entire sectors. But when you’re …
If you’re a fintech founder, CFO at a growing company, or managing financial operations at any level, you’ve probably noticed something: the old ways of doing finance just aren’t cutting it anymore. Manual processes that once seemed “good enough” are now bottlenecks. Reports that took days to compile are needed in hours. Customer expectations have …