Topic
Credit Decisioning
Browse all articles filed under Credit Decisioning — from the FinBox research desk.
FinBox Research
The role of a business rules engine in India’s mortgage landscape
As the tide turns for housing finance companies, automation technology takes centre stage
11 Dec 2023 1 min read
FinBox Research
Will small-ticket loan snags also hit bank FinTech partnerships?
The RBI seems to have been successful in its goal of reining in the growth of unsecured credit. Most FinTechs have tie-ups with banks and NBFCs to fund their small ticket offerings, but it looks like top-down tightening will temper their expansion.
8 Dec 2023 4 min read
FinBox Research
Acing the high-tech, low-cost ops model: Small Finance Banks and the power of an agile Business Rules Engine
Why Small Finance Banks need an agile business rules engine to sustain their distinctive business model
29 Nov 2023 1 min read
FinBox Research
Boom goes the lending dynamite!
With a circular that sent shockwaves across the industry, the RBI on Thursday mandated that unsecured credit products will now attract higher risk weights - who will trip up, and how much will we slow down?
17 Nov 2023 3 min read
FinBox Research
Transforming Credit Underwriting: The Power of Alternative Data in Income Estimation
Income estimation stands as the bedrock of credit underwriting, a decisive metric empowering lenders to make informed lending decisions. It gauges repayment capacity, allowing financial institution…
10 Nov 2023 3 min read
FinBox Research
Why an advanced rules engine should be the core of lenders’ ONDC strategy
A competitive edge for lenders: The role of an advanced rules engine in ONDC
10 Nov 2023 1 min read
FinBox Research
Introducing BureauConnect: FinBox’s multi-bureau connector and bureau analytics tool
Credit bureaus are lenders' first source of truth. However, the true worth of the credit bureau data heavily relies on the breadth and depth of the information and its ability to create value for u…
5 Oct 2023 5 min read
FinBox Research
Can credit ratings help the credit starved startups?
Hello everyone,
Welcome to the 79th edition of The Pattern, a weekly newsletter where we bring you the
29 Sep 2023 3 min read
FinBox Research
How FinBox BankConnect powers advanced income analytics
Automated bank statement analysis enables income estimation when underwriting users for digital platforms. Income estimation and classification are straightforward in the case of salaried borrowers…
29 Sep 2023 2 min read
FinBox Research
How do Canary testing and Champion/Challenger features in a Business Rules Engine benefit credit decision-making?
A guide to Canary and Champion/Challenger strategies for credit decision automation
18 Sep 2023 1 min read
FinBox Research
RBI's Financial Stability Report and the danger of premature celebrations
Hi everyone,
Welcome to the 66th edition of The Pattern, a weekly newsletter where we unpack the latest
30 Jun 2023 2 min read
FinBox Research
The joy of rising unsecured lending might turn to ashes
Hi everyone,
Welcome to the 65th edition of The Pattern, a weekly newsletter where we unpack the latest
23 Jun 2023 4 min read