Credit Boss

The habit of saving money should be promoted from the tender age of 11. There are many ways parents can teach their kids to...

A highly digitalized lending model is known for its scale, reliance on intangible information and much broader user participation. However, the legal status of...

Full-payment test Lenders are required to determine whether the borrower can afford the loan payments and still meet basic living expenses and major...

Regulatory Policy Approach to Digital Lending  From a regulatory policy outlook, the FinTech landscape can be divided into two spheres, viz. Incrementalism FinTech and Futuristic...

There is a need for data protection law, especially considering alternative credit appraisal models and customer confidentiality.  Proposed amendments in the IT Act –  1.Addition of...

Short-term high-cost credit has been described by FinCoNet (FinCoNet, 2017) as the practice of lending to consumers:  Amounts of money that are small relative to...

From a financial consumer’s point of view, it doesn't matter who or how lending service is provided, but the expectations of fair/ equal treatment...

The recent spurt of disruptive innovations and consumerization of online lending apps (‘digital lending’), both mobile and web-based, have reshaped the way financial services...

The world has been talking about Bank 4.00 since 2014 indicating the arrival of the 4th generation in the evolution of financial services comprising...

Bankruptcies, despite being a common occurrence in the global business world, are considered a taboo subject in India. Promoters would rather conceal the fact...