Remove Assessments Remove Credit Limit Remove Risk Management
article thumbnail

Three Ways to Improve the Relationship Between Credit and Sales

Trade Credit & Liquidity Management

. “Credit management is an essential support system for the company’s sales efforts; with no sales, there would be no receivables, nor the working capital needed to sustain and grow the company.” Credit Pre-Checks: Work with sales to anticipate credit needs for both existing and new customers.

article thumbnail

Unlocking Credit Decisions: Six Financial Metrics That Matter

Trade Credit & Liquidity Management

When reviewing a company’s financial statements to determine an appropriate credit limit, there are a multitude of things to consider. The following six financial ratios can provide insights into a company’s creditworthiness by assessing its ability to meet its financial obligations.

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

Driving Efficiency in Loans Against Mutual Funds with Tailored Loan Management System (LMS)

M2P Fintech

Credit Assessment: Assessing the credit line based on an approved list of securities is essential for determining borrower eligibility and for mitigating risks associated with lending against mutual funds. Addressing Key Obstacles in LAMF Despite its benefits, the LAMF as a sector grapples with significant hurdles.

article thumbnail

Avoiding AI Pitfalls in Financial Decision-Making

The Fintech Times

.” Risks of automation dependance Sharing a similar view, Adam Ennamli , chief risk and security officer at General Bank of Canada , added: “Failures can have existential consequences, from significant monetary losses to complete loss of market trust and regulatory penalties.

AI 64
article thumbnail

Tech-Driven BNPL: How Sophisticated Technologies Are Reshaping the BNPL Market

Finextra

Afterpay is using big data and AI to ensure a smooth user experience and improved risk management. PayPal’s BNPL solution, Pay in 4, incorporates sophisticated fraud prevention technology and machine learning models to assess creditworthiness quickly.

BNPL 52
article thumbnail

5 Lessons APAC Digital Banks Can Learn from Nubank’s US$1B Profitability Journey

Fintech News

In China, Alibaba Group’s MYBank is an online-only bank that serves SMEs as well as underbanked rural and urban customers by leveraging analytics on real-time payments data and risk-management systems, to analyse more than 3,000 variables when issuing loans.

APACS 128
article thumbnail

Truth Squad: Will Weaker Scoring Criteria Create a Mortgage Surge?

FICO

The “innovation” VantageScore claims can score more people is simply the weakening of credit score criteria. The minimum criteria needed to produce the FICO Score aren’t arbitrary — they are the result of decades of research into risk assessment. A mortgage would be a big leap up the credit ladder.