The growing popularity of online and mobile banking is challenging traditional payment methods. This has pushed the banks to digitalize trade and adopt supply chain finance products. Additionally, robust credit evaluation and underwriting processes are needed for a healthy loan book. All this, coupled with the entry of non-banking players, is prompting banks to reduce operational costs by streamlining, transforming, and consolidating processes.
With evolution of data as a strategic asset, BFSI organizations are constantly looking for avenues to tap into vast reserves of information for business advancements. It has become critical to know the role of data and its accountability to business. However, the absence of a well-rounded understanding of data asset valuation, and the lack of a scalable and well-governed ecosystem, act as barriers to growth.
Sales teams and expansion efforts at non-banking financial companies are bottlenecked by the absence of robust digital onboarding systems. As top players deploy smart solutions to tackle increasingly complex and newer challenges of today’s business conditions, their sales and service teams are setting up new standards for customer expectations.
With the commoditisation of lending and securitisation services and increasing customer focus on experience, it has become increasingly important for banks and NBFCs to use digital technologies to transform their businesses. The biggest challenges to surmount are limited sources of funding and alternate capital pools, that create a liquidity crunch and asset liability mismatch. To meet these requirements and reach newer customer segments, it is necessary to leverage technology, use data and analytics innovatively, and focus on creating a sustainable funding model.

Lending And Securitisation Combines Technology And Processes To Enrich The Customer Experience
Lead management, case management, sales enablement: Offers end-to-end lead management, query-response-complaints, pipeline management, conversational systems to assist sales query resolution using NLP techniques, AI, ML and other cognitive technologies for a seamless experience
Digital onboarding: Accommodates self-service and assisted modes of customer onboarding in a quick and paperless manner
Loan origination and servicing: Utilises the latest technologies for intuitive application creation, ML and statistical scoring and modelling for credit appraisal, and advanced analytical techniques for risk assessment, disbursal and receivables management
Collections: Provides real-time, accurate collection updates, allowing the collection fleet to take timely actions through mobility and web-based solutions
Securitisation: Facilitates the creation of loan books and their segmentation based on various predefined parameters; initiates rating of these pools via credit rating agencies and displays this information to potential investors
Insights: Enables loan portfolio monitoring, servicing and performance management of pool investments
Leverages industry-best practices to provide a frictionless, cognitive experience to the customer
Ensures data confidentiality through consent-based, configurable, controlled and secure data access
Is built on a blockchain-based architecture that ensures transparency, auditability, immutability and regulatory compliance
Enhances time-to-market and speed of transactions through seamless collaboration between stakeholders
Provides real-time visibility of the loan book through periodic credence stamping
Ensures appropriate value for loan pools is available to stakeholders in a single solution
Facilitates price discovery through AI/ML-based pricing and risk models
Enables increased focus on core business, freeing up resources through IT-as-a-Service
We Truly Believe That Technology Makes It Possible, But It’s People Who Make It Happen
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