Category: Banking Product Management

Over reliance on credit rating: How Banks constrain SME Lending

Over reliance on credit rating: How Banks constrain SME Lending

Banks are flush with liquidity, but still grappling with twin issues – where to deploy the money and how to source the right credit which meets the st [...]
How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID

How measuring the ‘Pivot Factor’ can fill Credit Risk assessment gap post COVID

These are unprecedented times for lenders. Customer cashflows are depleted, loan track can’t be ascertained due to moratorium, making it increasingly [...]
Is Loan a Product? (SME Lending Models 4)

Is Loan a Product? (SME Lending Models 4)

Lending business can be summed up in two sentences: I (customer) need money. You (Bank) give money and charge interest. But lending isn’t [...]
What Banking is Not 1: The Product Mindset

What Banking is Not 1: The Product Mindset

The 'Product Mindset' in Banking has created artificial limitations on customising banking services leading to loss on trust on Banks. Instead Banking [...]
Machine Learning and AML

Machine Learning and AML

World is a not flat! No matter how much the globalisation theorists may want you to believe, the world post 9/11 is no longer flat but rather becomea [...]
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