Thought leadership on credit risk, AI in lending, decision intelligence, and Indian financial technology — from practitioners who build it.
The RBI's ECL mandate is not a provisioning change — it demands a continuous, auditable, model-driven view of credit risk across every loan. Most banks are less ready than they think.
Read articleUnsecured loans now contribute 76% of private-bank slippages — not because of bad credit judgement, but because the signals that would have said no never reach the underwriting engine.
Read articleIf a board-level question takes two days, you are not behind on technology — your business rules live in people's heads. AI changes the architecture, not just the speed.
Read articleAsk three teams for the formula behind collection efficiency and you'll get three documents. Why Knowledge Graphs force institutions to encode what they know — before any AI project can succeed.
Read article