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Technology Innovations for Banks and NBFC's in Lending Operations
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Utsav Shah CEO at Kaaj
While much of the financial industry’s AI conversation has focused on large language models and basic automation, Utsav Shah explores what comes next: agentic AI systems that can reason, produce decision ready analysis, and take action across workflows and why they’re essential to solving the economics of small-dollar business lending. Generative
26 November 2025 /ai /retail
Bo Harald Chairman/Founding member, board member at Trust Infra for Real Time Economy Prgrm & MyData,
The Digital Credentials Query Language (DCQL) is very relevant to the EU Digital Identity Wallet (EUDI Wallet) ecosystem. As banks will start asking for verifiable credentials needed - for example in lending and customer acquisition - it is important to start designing with it in mind. This naturally applies to all sorts of service providers need...
05 November 2025 /ai /identity
Cliff Bunting Director at PurplePatch Broking Ltd
From July 2026, Buy Now Pay Later (BNPL) providers will fall under full FCA oversight. Most firms are already working on tightening their controls. But a larger issue is at risk of being overlooked. Preparing for regulation often leads to increased data purchasing. Yet many BNPL providers may not realise just how much they’re already overpaying, s...
09 September 2025 /payments /retail
Sireesh Patnaik Chief Product and Technology Officer (CPTO) at Pennant Technologies
Agentic AI is generating enormous attention but also skepticism. Gartner predicts that over 40% of agentic AI projects will be cancelled by 2027 due to costs, unclear ROI, and inadequate risk controls. Many initiatives today are still hype-driven pilots, with only a fraction showing true enterprise value. And yet, the long-term potential is undeni...
19 August 2025 /ai
Retired Member
The lending industry has undergone noticeable changes in the last decade. It’s the era of technology, where financial institutions and consumer interactions have become modernized. AI, blockchain, data analytics, and mobile applications - there’s a lot more. The coming years will be marked by remarkable innovation. This article highlights critic
18 August 2025
Igor Kostyuchenok SVP of Engineering at Mbanq
Starting your own bank has never been easier. The aftermath of the FinTech revolution left us with a myriad of options for every single part of banking operations. Be it a payment module, an AML and Anti Fraud solution, a card issuing and processing capability or even a Core Banking - you can assemble a bank in million of different ways. Despite ...
21 March 2025 /regulation /retail
Yaacov Martin CEO and Founder at Jifiti
Only 25 years ago, people lined up in physical banks, wrote checks, and were kept waiting during slow manual bank processes. Within the last five years, loan originations have transitioned from pages of paperwork to digital, real-time applications and approvals. With technology changing so quickly, it’s understandable why banks often feel like the...
18 March 2025 /payments
Nick Green Director at Purple Patch Broking Ltd
You’ve seen the headlines: credit reporting costs are climbing, and lenders are footing the bill. But let’s break down what’s actually driving these increases: 20%+ rise in credit bureau data costs It’s not just FICO. Credit bureaux themselves are adjusting their pricing models, and some mortgage lenders expect a minimum 20% increase in credit
11 February 2025 /retail /inclusion
Oleg Gordieiev CEO at MD Finance
While the northern neighbours face a growing number of challenges, Spain and other Mediterranean countries are recovering. Enhancing the tourism sector and developed industry, including highly competitive pharmaceutical and automotive companies, strengthens Spain’s GDP. All this positively impacts the financial industry and citizens' purchasing po...
30 January 2025 /ai /markets
James Barker CEO at HIVE
Not long ago, banks were considered the antithesis of innovation, held back by legacy systems and a conservative approach to change. But the neobank revolution challenged that, sparking rapid technological evolution across the industry and recasting financial services business as potential innovators. Now, we’re witnessing a significant shift: ba
29 October 2024 /retail
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