Global Views

Discover lending perspectives, market developments, and best practices from across regions.

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...

AI Governance in Lending: Building the Guardrails Before You Build the Model

Model hallucinations and unreliable outputs were among the top two AI risks cited by 67% of AI vendors, 70% of surveyed financial institutions and 70% of regulators in the Cambridge...

SCF Adoption in Emerging Markets: Barriers and Opportunities Beyond India

The global trade finance gap remained at an estimated $2.5 trillion in 2025, unchanged from 2023, according to the Asian Development Bank. UNCTAD estimates that Africa represented about 2.4% of...

How API-Led Supply Chain Finance Improves SME Working Capital Access

Research summarized by the Bank for International Settlements in March 2026 found that the UK’s Commercial Credit Data Sharing policy was associated with new lending relationships for SMEs. The finding...

From LOS and LMS to Lending OS: The Future of Lending Infrastructure

For twenty years, lending technology has been sold in pieces: an LOS for origination, an LMS for servicing, separate systems for collections and compliance, stitched together with custom integrations that...

Dynamic Discounting vs Supply Chain Finance: What’s the Difference?

A supplier gets offered early payment on an invoice at a 1.5% discount. A few months later, the same buyer offers early payment on a similar invoice, run through a...

How AI Can Help Lenders Balance Speed, Risk, and Compliance in Credit Decisioning

A global survey found that 55% of bank chief risk officers consider advanced technology a top priority for managing risk, while 72% report that AI adoption within the risk function...

Receivables Finance vs Payables Finance vs Factoring: What Is the Difference?

Working-capital finance is not a single product. Receivables finance, payables finance and factoring can all help businesses unlock liquidity from commercial transactions, but they differ in who initiates the facility,...

Supply Chain Finance: The Working Capital Opportunity Created by Tariffs

Tariffs Changed the Working Capital Conversation Corporate treasury teams entered a different operating environment as tariff costs, supply chain diversification and inventory uncertainty intensified. For years, supply chain finance was...

MSME Lending in India: Solving the Scalability Paradox

India Digitised Lending. The MSME Credit Problem Remains. India’s financial infrastructure has changed dramatically. Banks, NBFCs and fintechs operate mobile channels, cloud platforms and API-connected ecosystems. Digital Public Infrastructure has...

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