Topic
Credit Decisioning
Browse all articles filed under Credit Decisioning — from the FinBox research desk.
FinBox Research
How choice architecture can boost conversions & collections in digital lending
In a perfectly egalitarian market, consumers would have complete control over the choices they make. Every product or service would be judged solely based on its merit, stifling any opportunity for…
30 Oct 2024 5 min read
FinBox Research
A lacklustre Diwali is on the cards for Indian lenders, here's why
Credit crunch and rising costs put pressures on the bottom line
25 Oct 2024 3 min read
FinBox Research
AA waves, ONDC eruptions and UPI storms
The Pattern 123: AA waves, ONDC eruptions and UPI storms
23 Aug 2024 4 min read
FinBox Research
Of temporary blips and permanent reforms
The Indian banking system has an attractiveness problem.
9 Aug 2024 3 min read
FinBox Research
Are MSMEs finally getting their due?
Budget 2024 for MSMEs: A new credit model, increased govt support, and a higher Mudra limit...
26 Jul 2024 2 min read
FinBox Research
Why banks must learn to read RBI's body language
Regulation for financial entities has evolved and expanded in scope. This is not an accident. It's an outcome of a regulator that put in the work to actualise frameworks which can keep pace with technological revolution and industry evolution.
17 May 2024 3 min read
Fintech Regulation
A watched pot never boils, RBI rate cuts continue to remain elusive
What's holding back the central bank from rate cuts?
19 Apr 2024 2 min read
FinBox Research
Credit growth has a dark underbelly that few noticed
More deposits can mean more room to boost credit. And vice versa. However, when credit growth outstrips deposit growth, problems can start to mount.
23 Feb 2024 3 min read
FinBox Research
Of tighter lending, sustainable finance, and treading with caution
Lending growth has slowed, sustainable finance is in the spotlight, and the RBI isn't taking any chances!
9 Feb 2024 3 min read
FinBox Research
Sentinel (Business Rules Engine): Tackling 13 challenges across the credit value chain
13 reasons why our Business Rules Engine Sentinel sits at the crux of a sustainable, resilient, and scalable digital lending business
2 Feb 2024 1 min read
FinBox Research
Why RBI wants a peek into the lending algorithms box?
The RBI has been advocating for increased governance across areas, especially algorithm-based lending - let's take a look at why!
12 Jan 2024 4 min read
FinBox Research
Transforming Customer Qualification and Cost Efficiency with FinBox BureauConnect
Being a credit risk manager is tough. In India, there are four major bureaus and information gleaned from them can differ - even for the same borrowers! Addressing this challenge head-on is FinBox…
5 Jan 2024 3 min read