Before shortlisting a bank statement analysis provider, separate parsing from Account Aggregator pulls. Evaluate on parsing accuracy, categorisation, fraud detection, AA-framework compliance, TAT at scale, and LOS integration. Compares Perfios, Signzy, Finvu, Anumati and FinBox BankConnect.
RBI's 2026 Cybersecurity Directions for commercial banks: key requirements, the 6-hour rule, vendor controls, and a compliance checklist.
Why slow is no longer safe in the era of agentic and AI lending?
A no-code business rules engine (BRE) lets risk and credit teams build, test, and deploy lending policy changes—cutoffs, waterfall logic, exclusion rules—without writing code or filing engineering tickets. With a drag-and-drop rule builder, policy changes that traditionally took 4-6 weeks
Credit decisioning platform ownership is typically shared: Risk/Credit teams own policy logic, rules, and scorecards, while IT/Engineering owns integration, uptime, and data pipelines, with governance sitting under the CRO or CTO depending on org maturity. CROs use decisioning platforms to
A credit decisioning platform automates loan underwriting by combining a decision engine, a business rules engine (BRE), decision tables, scorecards, and data integration layers. Rule-based decisioning applies deterministic, auditable logic (e.g., FOIR limits, eligibility checks), while ML
Rule-based decisioning uses deterministic if-then logic (decision tables, policy thresholds) that produces identical outputs for identical inputs and is easy to audit. ML-based decisioning uses statistical models trained on historical repayment data to score risk probabilistically and adap
A credit decisioning platform is software that automates the evaluation of a borrower's creditworthiness by combining rule-based logic, ML-based scoring, and data integrations to produce an approve/reject/refer outcome. It differs from a Loan Origination System (LOS), which manages the end
India's household debt is rising, and concerns are rising faster.
The RBI dropped a draft this week that most coverage filed under "AI kill switch."
Risk teams weren't there to question the direction; they were there to make the journey possible.
FOIR was built for a stable-price world — one where the gap between a borrower's gross income and what they can actually spare stays roughly constant
