Topic
Digital Lending
End-to-end coverage of India's digital lending ecosystem — regulation, technology, business models, and the operational playbooks of lenders building at scale.
The Pattern #224: Where credit goes when money gets tight
Money got dearer this week, and more credit is heading for the gold vault.
23 Oct 2026 6 min read
Digital Lending
How borrower verification is becoming part of credit infrastructure in Southeast Asia
Vietnam builds biometrics into transactions, the Philippines is opening PhilSys to lenders, Malaysia puts consent in the borrower’s hands. Verification is becoming something lenders use long after onboarding.
21 Oct 2026 10 min read
Digital Lending
How borrower verification is changing across Nigeria, Kenya and South Africa
Nigeria leans on BVN and NIN, Kenya on independent sources and biometrics, South Africa on risk-based due diligence under FICA. The routes differ, but all three point the same way: onboarding alone is not enough.
21 Oct 2026 6 min read
Loan Origination Software
What global lenders expect from a modern LOS: 5 capabilities
Five capabilities keep coming up when growth, product and risk teams evaluate a loan origination system, and they depend on one another more than they first appear.
21 Oct 2026 6 min read
Loan Origination Software
The LOS is evolving into a product platform: How lenders in the US, EU, and APAC are adapting
Live Oak Bank, Ibercaja and IIFL Finance start from different places, but all three let Risk and Product change the lending process without an engineering ticket each time. Here is how, plus three questions to benchmark your own stack.
21 Oct 2026 5 min read
Digital Lending
Digital lending verification in the UAE: what's changed, and what's coming next
A national KYC platform, BNPL and micro-loan data in the credit bureau, and verified pension income have changed what a UAE lender can know before it lends. Here is what moved, in what order, and what it means for builders.
21 Oct 2026 8 min read
Infinite Loop#35: The self-employed borrower is a cost problem that agents can fix
Across emerging markets, unsecured loans are designed around the payslip, because a salaried file answers the affordability question before anyone opens it. Agents that assemble the self-employed file change that calculation, and with it the shape of the products a bank can offer.
15 Oct 2026 6 min read
Can NBFCs keep co-lending profitable?
The saga of co-lending, platforms, and making bank-nbfc partnerships work.
9 Oct 2026 6 min read
FinBox Research
Why aren’t lenders treating cross-border inflows as credit signals?
Millions of households get money from family abroad almost every month. Most credit systems still have no way to count it.
30 Sep 2026 3 min read
FinBox Research
A good borrower can still be a risky loan
The Reserve Bank of India just made risk pricing more accountable and risk factors more visible.
14 Aug 2026 4 min read
FinBox Research
Loan origination is now an AI native workflow
Origination was digitised, but it was never redesigned
13 May 2026 5 min read
Sentinel
What is a business rule engine in lending?
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.
7 May 2026