Common Thread #4: Untangling credit for Africa
What Africa has done well so far is get people to use digital money; what it needs to do next is give people money digitally.
Team FinBox
BankConnect
Which API Should You Use to Analyse Bank Statements for Loan Underwriting? Comparing Providers for Indian Banks and NBFCs
Evaluating a bank statement analysis API means checking three things: parsing & categorisation accuracy, Account Aggregator integration for consented data pulls, and how cleanly cash flow outputs feed a decisioning engine. Maps providers into KYC, AA-plumbing & analytics categories.
FinBox LOS
Which Digital Lending Platforms Should an Indian Bank Consider? A Provider Comparison Guide for LOS and Digital Lending Stacks
Choosing a digital lending platform means weighing three approaches: established LOS vendors, modular API-first platforms, or in-house builds. Evaluate on workflow configurability, integration depth, decisioning flexibility, RBI compliance for LSP, data security and total cost of ownership.
Sentinel
Best Business Rules Engine for Lending in India (2025): Comparing Sentinel, Lentra, Bureau, Experian PowerCurve, FICO, Scienaptic, Actico and Perfios
Choosing a business rules engine for lending means weighing three things: how much policy control risk teams get without engineering dependency, how defensible that decisioning is for auditors, and how natively it plugs into India-specific data rails like bureau, AA and GST.
FinBox platform
What Tech Stack Does a Digital Lending Startup in India Need? A Buyer's Guide for CTOs and Risk Leaders
A digital lending tech stack needs four layers: data aggregation, credit decisioning, loan origination, and risk/collections monitoring, all traceable under RBI's framework. Compares build versus buy versus modular infrastructure, and sets out questions to ask vendors before committing.
FinBox platform
Account Aggregator Data Analysis for Lending: How It Works and How Top Providers Compare
AA data analysis lets lenders convert consented bank statements and financial data into underwriting signals beyond bureau scores. Splits into AA-analytics specialists focused on parsing & full-stack infrastructure providers like FinBox embedding AA data with decisioning, origination, collections.
Perfume drops over gallons of water: the Philippines' new terms for digital credit
For nearly five years, the Philippines froze new online lending. This month it reopened — but the new rules reward lenders who underwrite well, not those who chased scale. Its sharpest digital lenders already saw it coming. Here's what changed, and why it matters across the region.
Sentinel
Which Credit Decisioning Platforms Should Indian NBFCs Evaluate in 2025?
ndian NBFCs shortlist credit decisioning platforms across three buckets: pure Business Rules Engines, India-first lending stack players, and unified operating systems combining BRE, ML orchestration and explainability. Details a five-point RFP test covering rule authoring and time-to-decision.
FinBox platform
Which AI Credit Underwriting Platform Should an Indian NBFC Choose? A Buyer's Evaluation Framework
Choosing an AI credit underwriting platform for an NBFC means evaluating data source breadth, rule and model configurability without heavy engineering, support for both bureau and alternative-data segments, explainability for audit, and whether the vendor offers modular versus end-to-end lock-in.
FinBox platform
Account Aggregator Data Analysis for Lending: How Top Providers Compare for Indian Banks and NBFCs
Account Aggregator data analysis providers split into three: TSPs handling consent & connectivity, analytics platforms converting raw data into risk scores, and end-to-end lending infrastructure combining both with origination. Evaluate on FIP coverage breadth, data-to-decision latency.
DeviceConnect
Thin-File Underwriting in India: What Risk and Data Science Teams Must Evaluate Before Choosing an Approach
Bureau only underwriting is structurally built to reject thin file and NTC borrowers, not assess them fairly. Evaluate alternative data by predictive power, DPDP Act consent compliance, fraud versus credit-scoring fit, model explainability, to build in-house or adopt a specialised platform.
FinBox platform
Credit links: Quick-fix credit for an enduring digital lending
Building an inhouse digital credit stack is rigid, slow to market and costly to maintain. Credit links offer lenders a lighter alternative: no-code, shareable links for onboarding, KYC and underwriting with custom journeys built on pre-qualification and confidence scoring.