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Robo-Advisors vs. Human Advisors: Finding the Right Balance for Your Financial Future

In the ever-changing landscape of financial advising and investment management, two separate techniques have arisen as rivals for the title of the most effective and efficient means of managing your wealth: Robo-advisors and Human advisors. Both have their unique strengths and weaknesses and choosing the right option can significantly impact your financial well-being. Understanding Robo-Advisors… Continue reading Robo-Advisors vs. Human Advisors: Finding the Right Balance for Your Financial Future

The Future of Digital Payments in India

With the introduction of new technology and the government’s aim for a cashless economy, digital payments in India have seen a remarkable transition in recent years. The Indian digital payment ecosystem is rapidly expanding, providing millions with ease, security, and financial inclusion. Here are a few trends, statistics, and examples that illustrate the evolving payment… Continue reading The Future of Digital Payments in India

Best Practices for Financial Institutions Seeking Entry into SCF Space

Globally, supply chain finance (SCF) remains an untapped market. According to McKinsey, more than 80% of eligible assets do not benefit from working capital finance. Even the remaining assets are undercapitalized. Digital usage has facilitated changes in MSME financing, increasing the accessibility and availability of SCF. SCF benefits corporate purchasers by securing inventory with extended… Continue reading Best Practices for Financial Institutions Seeking Entry into SCF Space

Where is Co-lending heading in the Next Five Years?

The Reserve Bank of India (RBI) announced rules on co-lending by banks and non-bank financial companies (NBFCs) to priority sectors. The primary goal of the revised scheme, renamed “Co-Lending Model” (CLM), is to increase credit flow to the unserved and underserved sectors of the economy and make funds available to the ultimate beneficiary at an… Continue reading Where is Co-lending heading in the Next Five Years?

Understanding the Psychology of Financial Decision-Making

Money greatly influences our lives, influencing not just our daily decisions but also our long-term objectives and aspirations. Whether saving for retirement, investing in stocks, or making a large purchase, our financial decisions are firmly based on our psyche. Behavioural economics has shed light on the many cognitive biases and emotional aspects that influence financial… Continue reading Understanding the Psychology of Financial Decision-Making

The Role of Financial Planning in the Digital Age

Financial planning has always been vital, but it takes on new dimensions and relevance in the digital age. Consider a world in which utilizing cutting-edge technologies and a multitude of financial resources makes planning your finances not only manageable but also remarkably convenient. Let us examine the reasons why financial planning is critical in the… Continue reading The Role of Financial Planning in the Digital Age

India’s Changing Fintech Ecosystem

In recent years, India’s fintech ecosystem has undergone a spectacular transition, revolutionizing how financial services are accessed and delivered. The convergence of technology, shifting customer tastes, and supportive legislative actions have resulted in a dynamic and diverse fintech ecosystem. From payments and loans to wealth management and insurance, the industry’s rapid expansion has not only… Continue reading India’s Changing Fintech Ecosystem

What Is Alternative Data for Credit Underwriting, and How Your Lenders Gain Access to It?

Banks, NBFCs, and other financial organizations in the lending business use credit underwriting to assess a borrower’s risk profile. However, using alternative data to evaluate creditworthiness can greatly improve credit assessment accuracy, especially for individuals and enterprises with limited or unusual credit histories. Alternative credit underwriting data refers to information not typically used in the… Continue reading What Is Alternative Data for Credit Underwriting, and How Your Lenders Gain Access to It?