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Risk Scoring

Browse all articles filed under Risk Scoring — from the FinBox research desk.

The digital grain: Culling smart data for better agricultural lending
Data is ubiquitous. Especially in agriculture. But data with economic value attached? Not so common. Think of all
1 Apr 2022 4 min read
Instant grocery gets faster with BNPL, Mudra wobbles, and farmers struggle
Stay informed on the latest trends and challenges facing instant grocery, Mudra, and farmers in our latest blog post.
25 Mar 2022 3 min read
Data dive: What can Mudra’s performance tell us about SME lending in India? (Part I)
Mudra loans: Too little? Or too late? A data-led inquiry
23 Mar 2022 6 min read
Farm-to-Bank: Can FinTechs help lenders get over their fear of agriculture?
There’s a tragic irony that has come to define the agrarian distress in India — the very financing
17 Mar 2022 4 min read
Gini Coefficient Explained: The most important measure of a lender's underwriting prowess
Be it a home loan, a car loan, or a business loan - underwriting is the key process that
31 Jan 2022 2 min read
Collections efficiency: The playbook to combine the best of AI and human intelligence
Learn how to combine AI and human intelligence for better collections efficiency in our latest blog post.
21 Jan 2022 5 min read
A lenders’ guide to achieving positive unit economics
Five ways to unlock the doors to higher margins
21 Jan 2022 6 min read
Fact over fiction: How lenders can create real business value with AI/ML
The words “artificial intelligence”, “big data” and “machine learning” are everywhere today, but how many of us can
13 Jan 2022 5 min read
Three reasons why you should treat collections risk differently from underwriting risk
Treating risk distinctly at every stage of the loan life cycle, especially during collections, is a key component of sound loan management practices.
10 Jan 2022 4 min read
The case for human-machine collaboration in underwriting
Legacy banks are in danger of - and in some cases - are already disintermediated from financial transactions. In the
7 Jan 2022 3 min read
Digital lending: The two-way trust deficit and how lenders can crack data security
The Covid-19 crisis has brought the lending industry to an inflection point - digital adoption and finance consumption
7 Jan 2022 6 min read
Flaws in risk assessment and how they foster lending biases
Three common shortfalls of credit risk assessment models and the role of technology in overcoming them
16 Dec 2021 6 min read
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