RIYAS BABU
Author: RIYAS BABU
Worried About Bad Loans? How Credit Risk Assessment Tools Changing Lending in 2025
Have you ever spent a night tossing and turning, thinking about what could happen if your bank or finance company gave a loan to the wrong person? For thousands of lenders in India, fears of hidden risks, rising defaults, and missed warning signs create huge stress. Every lending decision feels like a gamble, and the
Why Embedded Finance Is the Next Fintech Disruption in India- What It Means for SMBs?
What if your competitors could offer loans, credit, or insurance without ever being a bank? That’s not a futuristic idea anymore – it’s happening now. And if your business still depends on outdated tools and legacy finance workflows, you might be falling behind. Welcome to the new fintech frontier: Embedded Finance. In simple terms, it
What Is GST Compliance & How to Stay 100% Compliant in 2025
Did you know that a single missed GST return can freeze your Input Tax Credit (ITC)? That means your own money, meant to be credited back, gets stuck. Not because you did something illegal. But because your vendor missed a filing. Or maybe you uploaded the wrong invoice details. In 2025, GST non-compliance doesn’t just
Is Your GST Data Lying to You? 5 Patterns Only Smart GST Analysis Can Reveal
Imagine this! You file your GST returns. Your accountant double-checks everything. You assume your business is safe and compliant. But what if it isn’t? Most businesses in India handle GST like a checklist. GSTRs get uploaded, returns acknowledged, and life moves on. But here’s the part we rarely talk about: GST data isn’t just a
How to Train Your Sales Team for analysing bank statements
Most sales teams are great at spotting opportunities—but not always the risks hiding beneath. A client may look promising during discussions, but if their bank statement tells a different story, your team could be walking straight into financial trouble. That one oversight? It can cost more than just a deal—it can shake the business. In
·
How GST Data Reduce Lending Risk & Validates Creditworthiness
Have you ever felt like a credit score doesn’t capture the full picture of a borrower’s financial health? What if the traditional credit score you rely on misleads you to a risky borrower? In today’s fast-paced financial world, you – as a lender, need more than a score to assess creditworthiness. You need a 360-degree