PYMNTS

JULY 16, 2019

“We developed a unique underwriting platform based on alternative data points to evaluate credit risk. Lendbuzz is addressing a large and underserved market, has innovative technological underwriting capabilities and unique customer acquisition strategy that supports their high growth.”.

Finance

Fintech News

JANUARY 18, 2024

Using remote sensing technologies on farmland, the bank assesses credit risk based on crop growth and various factors. This approach ensures that even farmers in remote areas can access credit. This not only boosted the accessibility of SME loans but also contributed to the bank’s growth.

APACS

PYMNTS

JANUARY 25, 2019

24) announcing the addition of Moody’s Analytics RiskCalc Small Business solution, a tool designed for small business lenders to augment their risk analysis of private companies. CapX noted that Moody’s Analytics’ tool addresses the pain point of lack of access to historical data on small businesses seeking financing.

Underwriting

FICO

DECEMBER 1, 2022

Here's an example of why we need to focus more on practical uses of Generative AI: Open banking represents a huge revolution in credit evaluation, particularly for the underserved. Generative AI can be applied practically to produce realistic, relevant transaction data for developing real-time credit risk decisioning models.

AI

FICO

JULY 18, 2022

Machine Learning is simply another analytic technique; one that can help produce highly predictive credit scores which must also be explainable, with two important caveats: . The use of Machine Learning must be balanced with deep domain expertise in credit risk modeling. ML does not create new data.

AI

M2P Fintech

MARCH 25, 2025

However, access to formal credit remains a major hurdle, especially for small and rural borrowers and MSMEs, the backbone of the Indian economy. To effectively address this, the Reserve Bank of India (RBI) introduced the Unified Lending Interface (ULI), a landmark initiative aimed at streamlining and expanding credit access.

Payment APIs and Integration

The Fintech Times

JULY 24, 2024

Traditional banks struggle with high-risk borrowers, so microfinance companies step in, providing credit to individuals and small businesses. These institutions thrive in less regulated environments with a high demand for financial services, addressing critical gaps in the banking system.”

Finance

The Fintech Times

FEBRUARY 19, 2024

“To address these inefficiencies, new approaches and technologies are necessary. A compliant bearer deposit token instrument would eliminate counterparty credit risk and could enable a decentralised digital identity-based pre-validation protocol to deliver low-cost automated global compliance, transparency, and privacy.

Cross-Border Payments

FICO

JANUARY 11, 2023

How is Responsible AI being addressed? . Here's an example of why we need to focus more on practical uses of Generative AI: Open banking represents a huge revolution in credit evaluation, particularly for the underserved. How is the existing governance committee of analytic leaders structured? .

AI

CB Insights

FEBRUARY 13, 2020

Despite its benefits, Stripe’s PayFac model also means that the company absorbs more merchant risk by serving as a master merchant account, and that it’s responsible for downside risk in the event of chargebacks and fraud. Stripe’s market opportunity. Source: Stripe.

Online and Mobile Banking

Finextra

JUNE 30, 2025

Stablecoins may fundamentally transform how money moves across borders, addressing long-standing pain points in traditional payment systems, delivering reduced costs, speeding up settlements, and increasing financial inclusion. The real challenge will be in the interoperability between stablecoins and existing financial systems.

Stablecoins

Fintech News

APRIL 24, 2025

AI is also revolutionising how financial institutions reach previously underserved segments. By moving past traditional credit scoring and tapping into smarter, data-driven models, banks are not just turning unprofitable customers into profitable ones. Theyre slashing costs and expanding access.

AI

The Fintech Times

DECEMBER 17, 2024

Areas such as data analytics, credit risk management, product development and marketing are key to achieving leadership in our markets. Through this investment we are addressing the needs of communities that have traditionally been excluded from the financial system to build a more inclusive financial ecosystem.

Financial Inclusion

M2P Fintech

APRIL 29, 2025

Microfinance institutions (MFIs) play a crucial role in driving financial inclusion by providing a suite of financial services tailored specifically for the underserved and unbanked populations in remote and rural areas. Responsive support services efficiently address borrower queries, enhancing overall satisfaction.

Technology