Lending in a Cashless United Kingdom: How Faster Payments, Open Banking, and BNPL Growth Are Reshaping Credit Risk, Underwriting, and Collections
The United Kingdom’s rapid move toward cashless payments is no longer just a payments story—it is fundamentally reshaping credit. Every contactless tap, Faster Payment, and Open Banking-enabled wallet top-up generates behavioural data that can transform underwriting,...
From Paper to Digital: How Europe Is Reinventing Lending And Credit Risk
Central and Eastern Europe’s transition to cashless payments is no longer just a payments story—it is fundamentally reshaping credit. Every instant transfer, card tap, and digital wallet top-up generates behavioural data that can transform underwriting, portfolio...
Lending In A Cashless Africa
Africa’s rapid transition to cashless payments is no longer just a payments story—it is fundamentally reshaping credit. Every mobile money transfer, QR payment, and digital wallet top-up generates behavioural data that can transform underwriting, portfolio monitoring,...
AI in Lending: How Southeast Asia’s Biggest Banks Transform Credit Risk Management
Artificial Intelligence (AI) is no longer experimental in Southeast Asia’s banking sector—it is becoming the operating core of modern lending. From AI-powered loan origination and financial spreading with OCR, to agentic AI workflows and predictive early warning...