Fundamentals

Build a strong foundation with essential concepts across lending, technology, and operations.

Build vs Buy Lending Software Comparing Cost Delivery Time and Operational Risk

MIT’s 2025 study of generative AI deployments found that tools bought from specialized vendors succeeded about 67% of the time. Internal builds succeeded only one-third as often. The study is...

Lending Platform Implementation Timeline and What Determines Go Live

The Project Management Institute (PMI) says 31% of complex projects fail to achieve their full intended benefits, per its 2026 Pulse of the Profession. A lending platform go-live depends on...

Loan Management System Migration Checklist for Balances Accruals and DPD History

Since July 1, 2026, Indian lenders report to credit bureaus on four reference dates a month, and incremental files are due within four calendar days. A wrong balance or days...

DPD Calculation in a Loan Management System for Partial Payments Reversals and Backdated Entries

A borrower with one missed equated monthly installment (EMI) pays Rs 10,000 on the day the next EMI falls due. Depending on how the loan management system (LMS) applies that...

SCF Concentration Risk: What Lenders Get Wrong in Supply Chain Finance

Investor materials for Point Bonita, a trade finance fund, reportedly highlighted exposure to many named obligors, according to BCR in August 2026. Yet one seller, First Brands, ultimately represented roughly...

Factoring vs Forfaiting: A Practical Guide for Trade Finance Teams

Global factoring turnover reached roughly $4.7 trillion in 2025, according to FCI figures reported by ABF Journal. Forfaiting, by contrast, has no widely published volume figure at all. For trade...

Cross-Border Supply Chain Finance: Managing Currency and Regulatory Complexity

Cross-border supply chain finance (SCF) adds complexity that domestic programmes do not face. The invoice currency, funding currency and supplier’s operating currency may differ; payments can cross correspondent networks and...

Anchor-Led vs Platform-Led SCF Models: Which Works Better for Banks?

For a bank building a supply chain finance (SCF) business, the first strategic choice is not the software. It is the operating model. An anchor-led programme gives the bank control...

Co-Lending Models: The Operational Backbone Banks and NBFCs Need

A co-lending arrangement between a bank and an NBFC (non-banking financial company) sounds simple on a term sheet: two lenders, one borrower, one agreed split of the loan. In practice,...

BNPL for SMEs: How B2B Buy Now Pay Later Actually Gets Underwritten

B2B buy now pay later is one of several models designed to provide short-tenor working capital at the point of a business transaction. In India, its regulatory treatment depends on...

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