article thumbnail

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

Fintech News

The company’s competitive advantage lies in its ability to leverage data, proprietary machine learning algorithms, and agile cloud infrastructure to make better credit and underwriting decisions than traditional banks. This multi-cloud strategy allows WeLab Bank to be more agile, improve speed to market, and lower operating costs.

article thumbnail

6 Benefits of AI Insurance Claims Processing

Nanonets

A survey by Accenture on underwriting employees found that up to 40% of underwriters’ time is spent on non-core and administrative activities. Moreover, AI contributes to effective disaster recovery planning by monitoring data backups and facilitating swift recovery processes.

AI
article thumbnail

Understanding Risk Management Strategies as a PayFac

Stax

PayFacs handle risk assessment, underwriting, settling of funds, compliance, and chargebacks which exposes them to greater potential risks. PayFacs also handle risk assessment, underwriting, settling of funds, compliance, and chargebacks. Think of them as service providers that rent their master merchant accounts to their clients.