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The Case for Climate-Aware Lending Models

The Case for Climate-Aware Lending Models

For decades, the Indian microfinance sector has viewed the monsoon as a familiar variable in the lending cycle. Good rainfall meant stronger agricultural output, healthier household incomes and better repayment...

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No Credit History vs Low Credit Score: Understanding the Difference

No Credit History vs Low Credit Score: Understanding the Difference

A Credit Score is often considered an important part of a borrower’s financial profile, but having no established Credit History and having a Low Credit Score are two entirely different...

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Beyond Eligibility: Why Affordability Will Define the Next Era of Lending in India

Beyond Eligibility: Why Affordability Will Define the Next Era of Lending in India

The lending industry has mastered eligibility. The next challenge is affordability. The Indian lending industry has undergone a remarkable transformation over the past decade. What was once a paper-intensive, collateral-driven...

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Why Credit Reports Are More Important Than Credit Scores

Why Credit Reports Are More Important Than Credit Scores

When it comes to borrowing money, one term that almost everyone has heard of is Credit Score. Whether you are applying for a home loan, a personal loan, or a...

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Why Embedded Finance Could Hurt Traditional Banks More Than Fintechs

Why Embedded Finance Could Hurt Traditional Banks More Than Fintechs

For much of modern banking history, financial institutions controlled the customer relationship through a predictable model. Customers came to the bank when they needed a loan, opened an account to...

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