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
The RBI lowered its growth forecast while raising its inflation forecast.
The RBI formalising device restriction with safeguards is the right call. The alternative was worse on every count.
That capital does not sit idle; it creates room for more lending.
The industry already appears to be moving toward a more disciplined phase driven by tighter compliance and stronger execution.
The easier the borrower is to underwrite, the easier capital flows. Everything else is starting to feel operationally expensive.
Modern lending systems are evolving from static underwriting workflows into continuously adaptive decision infrastructure — what a BRE is, how it fits the modern credit stack, and what separates AI-native decisioning from AI-washing.
How a leading NBFC took the third option — partner instead of build-or-buy — and now originates 60% of its loans digitally across proprietary apps, 40+ point-of-sale partners, and an omnichannel co…