Archives

There was a time when the word “loans” referred to financial distress and was spoken of in whispers as it reflected your bad financial state. But aren’t we glad that we have moved past that time? [...]

As a generation, millennials prefer every part of their lives to keep pace with their ambitions, instead of being a hindrance. Very often, bad credit scores can be just that, a hindrance of and [...]

In a rapidly digitizing world, lack of access to credit can hold people back from being empowered and also reinforce inequity. In this situation, we need to focus on and resolve two fundamental [...]

If you’ve ever applied for a loan from a bank, an NBFC or a fintech, you may remember the meticulous paperwork involved and successful completion of all formalities. The lender lets you know, [...]

As Pearl Zhu said, “We are moving slowly into an era where alternate data is the starting point, not the end.” As discussed in the previous two parts, the methodology to understand whether a [...]

Few weeks back, for a bank piloting Algo360, we were reviewing how the bank’s Share of Wallet, presumably high, was not consistently high across the high value segment. That is, for a large [...]

Let us first try and define this beast. [Sidenote: As we work with several of our clients, it’s amazing how analytics “jargon” confuses business users across the globe.] In our world, alternative [...]