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  • 2nd November 2021
    Borrowers, Income Analysis and FSA - The Inseparable Trio To Be!
    Evolution into the current human race took over a million years but income analysis of borrowers and lending process would evolve quicker! From the former times of complete paper based analysis to a digital version- we have indeed come a long way. But the most taxing, time-consuming, and indispensable task is still the evaluation of the borrower's financial statements to assess the creditworthiness of business entities. This dilemma stems from the massive amount of disjoint financial data, a lengthy process, and the shakiness of risk models. In any financial institution, banks or NBFCs, lenders need to assess both, the accounting and finance documentation to know the overall financial position of the borrower’s entity.
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  • 28th October 2021
    Decode the Language of a Borrower Entity. Analyze Financial Statements with Perfios
    In the highly competitive lending market, appraising the creditworthiness of borrower entities with accuracy in short periods is an absolute desideratum for success. Lending is a risk-based business, to reduce risk is essential, increasing accuracy imperative and speed is a necessity.
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  • 20th October 2021
    What Makes Perfios Financial Statement Analyzer the Ideal Tool for Elevating Credit Decisions?
    For years, valuable institutional bandwidth has been lost in the tedious compiling, cleaning, and dissection of financial data to deliver actionable insights . Tools driven by automation, analytical tools, machine learning (ML) or deep learning (DL), when run in unison with the sheer volume of generated data, can improve data quality and optimize planning processes. In the financial services sector, with technology intertwined with every aspect of the business, CFOs are increasingly asked to reconsider using technology to optimize their finance operations.
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  • 22nd September 2021
    Speed (Scan of Documents) is Wonderful, but Accuracy is Imperative!
    In today's ever-changing dynamic market, the speed with accuracy has become the need of the day. With digitalization being the new norm, Perfios provides an intelligent solution to speed up processing large volumes of unstructured data, thus minimizing manual paperwork while generating a faster response to new opportunities. This solution provides its customers with improved compliance, transparency, powerful automated workflows, valuable insights and quicker turnaround times.
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  • 21st September 2021
    AI & Human Synergy - The Hybrid Model that combines AI and Subject Matter Expert Intervention in Document Scanning
    Technology is constantly rapidly racing ahead, bringing about the invention of newer and better techniques constantly, each promising more competitive advantages to industries than the other. With the outbreak of Covid-19, tech-innovators are continually striving to upgrade the existing technologies and replace them with enhanced tools that will reduce pressure on manpower leading to cost-savings and maximized accuracy.
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  • 9th September 2021
    The AI Pathway: Taking Inequity Out of The Credit Equation
    Vivek Sharma has been an innovator at heart since his kindergarten days. A green technology evangelist and a firm believer in the climate cause, it has always been his dream to contribute meaningfully towards the Net Zero vision. So, no one was surprised when Vivek declined cushy corporate job offers in the final days of engineering and resolved to incorporate his waste-to-energy (WTE) venture to power SMEs in rural India.
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  • 7th September 2021
    AI & Underwriting: Towards A Collaborative Future In Credit Risk Assessment
    India's economy is at an inflection point, manifesting unmistakable signs of recovery. However, the incumbent risk assessment practices come short in sustaining a resurgence in credit access, limiting the nation's aspirations to be on a high economic growth trajectory. Dated evaluation tools struggle to accommodate the explosion of data that characterizes modern businesses and individual lifestyles, failing to paint an applicant's risk profile in totality.
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  • 17th June 2021
    InteGREAT: Maximizing Digital Advantage Across The BFSI Value Chain
    The financial services sector in India is perhaps one of the earliest beneficiaries of the surging digitalization wave in the country. The transformation of banking that has continued with varying tempo has received a shot in the arm with the expanding connectivity coverage, the fintech revolution, and a National resolution to drive inclusion. Today, stakeholders on both sides of the counter are exceptionally aspirational.
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  • 2nd June 2021
    Elevating Financial Services Experience With Simplified Customer Onboarding
    Digitalization has delivered the adequate impulse for the Indian Banking Story to turn a corner. The marriage of progressive digital constructs with legacy business models and services architectures has allowed financial institutions to innovate faster, explore deeper, and transform to scale with high reliability. The development has provided the means to convert revolutionary proof of concepts into sustainable revenue streams, allowing lenders to redefine their tactical and strategic postures.
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  • 27th April 2021
    Don't Delay the Good
    Once a wealthy merchant navigated the high seas going from one state to another when his boat got caught in a raging storm and capsized. The Merchant was marooned, holding onto a log of wood and trying not to drown. He was sure he would die before the night passed.
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  • 19th April 2021
    You Are Ready Now
    Before I quit my secure, high-profile banking job to become a technology entrepreneur, I was unsure and uncertain for months. I kept pushing the decision because I wanted to feel “ready” before taking the plunge. Until one day, I concluded that I could not keep looking out for the right time. The feeling of wanting to be ready was imaginary, and time would never make me ready. Making a move would, and I had to make the move.
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  • 17th April 2021
    A Difficult Boss Is Often A Blessing
    A few of days back, I was speaking with a mentee about dealing with difficult bosses and difficult colleagues. The conversation was regressing into self-pity, the world is unfair mode, and I did not want to get pulled into anything negative.
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  • 9th April 2021
    The World Reflects You
    This evening I was in a conversation with a friend who was complaining about something someone had done, and I reminded him about the story of the two travelers. I have taken his permission to share the story. Some of you may have heard of it.
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  • 30th March 2021
    Don't Break the Chain
    It is a scientific truth that water becomes steam when it is heated to 100 degrees centigrade. Now imagine we put some water in a container and put it on a stove, and just as the water is heating up, we move the container from the stove. What will happen? The water will cool down naturally. However, if we continue heating the water long enough, the water transforms from a liquid state into steam as soon as the temperature hits the hundred-degree mark.
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  • 10th March 2021
    Escrow Monitoring - Made Simpler & Smarter
    An `Escrow Account` is a financial instrument in which an asset or escrow money is under the purview of a neutral third party, which is essentially a bank or a recognised lender; during the process of completion of a transaction. Being an age-old method adopted globally, the same is about efficient risk management and simplification of complex transactions for all parties.
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  • 27th February 2021
    Three Ways To Influence Decision Makers
    Across our personal and professional domains, we are all accountable to people with more power than we do, and they will take decisions that impact how we feel and what we do.
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  • 21st February 2021
    Your Calendar Tells You What You Truly Value
    Have you blocked chunks of time consciously in your calendar to focus on the actions, tasks that matter for you? Or are you under the impression that scheduling is not needed? That everything will happen naturally, on its own.
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  • 18th February 2021
    No Excuses
    There have been many times in the last year after I started my daily blogging where I have told myself, ”I can’t do it, I can’t write my blog today because other pressing matters are consuming my attention. I don’t have the inspiration or the time to write something meaningful and of value for my readers.”
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  • 17th February 2021
    Getting The Best Out of Account Aggregation
    As we wrote earlier, Account Aggregation is poised to become the UPI of data by providing a scalable, interoperable and expandable data architecture. However, a world-class platform is by itself necessary but insufficient in deriving business value. Success will need you to design new products, use cases, customer experiences, as well as redesign processes which suffer from data friction.
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  • 8th February 2021
    The Choice of Plenty: Deciding the Right Technology Solution Provider
    The last decade has seen the financial services sector of India undergo a transformative change. With the emergence of new-age technology solution providers or technology-driven start-ups in the financial space, established financial institutions have begun shifting from traditional legacy systems to partnership models with these technology start-ups.
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  • 31st January 2021
    Three Choices We Have In Life
    Take a moment and think about this question. What are the three choices we always have in our life? I picked up the answer to this question as a nugget of wisdom from a Biography, The Almanac of Naval Ravikant by Eric Jorgensen. Naval Ravikant is an Indian-American entrepreneur, investor, and a brilliant mind. This book captures a collection of Naval’s wisdom and experience over the years, shared as a curation of his most insightful interviews and reflections.
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  • 21st January 2021
    A Perspective To Overcome Jealousy
    Jealousy is an extremely toxic emotion. When I was young, I had a lot of jealousy. Though others may not have noticed it, I felt it in full force inside me. But, over the years, I have managed to tame it a lot through some aggressive mental gardening.
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  • 20th January 2021
    If You Can't Decide, The Answer is No!
    At different times in our life, we face difficult choices that involve doing or NOT doing something. The difficulty is that the outcome of the choice we decide on will significantly impact our future life.
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  • 19th January 2021
    The Power of Compounding
    The topic of “Compound Interest” has always fascinated mankind. Einstein is supposed to have said that “Compound interest is the eighth wonder of the world.”
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  • 7th January 2021
    The UPI of Data is Coming. Are You Ready?
    Perfios Software presents a One-Stop resource center for everything you need to know about RBI’s Account Aggregator framework. The Account Aggregator (AA) ecosystem is live as of 28th December, 2020. As a leading financial institution you may already be a part of this ecosystem, or evaluating your entry strategy, perhaps through a TSP (Technology Service Provider).
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  • 24th December 2020
    Ready for Take Off: Credit Card Analysis
    Indian society has evolved from a savings-focused and debt-averse country to a more consumption-focused, leveraged economy. With the growth of India’s credit economy and rising number of consumers applying for credit each month, this market is paving way for some interesting trends in the credit card industry.
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  • 20th December 2020
    Take A Break
    As a tumultuous 2020 winds down heralding the new year, many go into their Christmas and year-end break, hoping to unwind and rejuvenate. Everyone must take a break from their daily routines to relax and rejuvenate.
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  • 18th December 2020
    Cut the Branch of Comfort
    A few days back, I was in a coaching conversation with a young friend who was feeling stuck in his career. As we got chatting, something triggered a train of thoughts for him, and he said. “I just realized that I have been stuck in a web of comfort of my own making. I have been working very hard on things that are in my comfort zone and resisting anything that does not feel comfortable. It’s time I did something different.”
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  • 18th December 2020
    Don't Take Stress
    All our stress comes from resisting the present moment- When we want the present moment to be different from what it actually is. Our car can breakdown in the middle of heavy traffic, or someone could lose a job or the business results don’t come as expected. Many situations cause discomfort or deep pain in our lives. The pain is real and cannot be avoided in those moments when something bad happens or when something is not going the right way.
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  • 1st December 2020
    Ten Signs You Are Growing
    One of the fundamental human needs is seeking personal growth. It is human nature to try and grow across both the material and spiritual realms of our life as we age. Material and Spiritual dimensions are the guardrails of our life. They need to evolve in tandem. If not a sense of imbalance creeps into our lives.
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  • 30th November 2020
    Decision Making - Science Or Art?
    When it comes to decision making, all of us struggle with some types of difficult and complicated choices. You are a business leader, and you have been asked to execute a redundancy program, and you have to let go of 10% of your teammates. You are conflicted. “How do I decide, what is the right call to take.?”
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  • 16th November 2020
    Go Beyond Survival Thinking
    There is a distinction between Survival and Survival Thinking. Many times in our life, we encounter challenges and problems that could significantly impact our experience in that moment of crisis.
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  • 14th November 2020
    The Marshmallow Test
    In the late 1960s and early 1970s, Stanford psychology professor Walter Mischel ran a fascinating social study known as the Marshmallow Experiment. In this study, a group of 32 children aged 3 to 6 years was put through a test of self-restraint. The experiment involved every kid being taken into an isolated room where a single Marshmallow was strategically kept on the table.
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  • 13th November 2020
    Are You Open Minded?
    Having an open mind towards everything that happens in our life can be very tough. Every one of us has some core beliefs and values, and we reinforce those throughout our lives by exposing ourselves to situations and people that represent similar values and beliefs.
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  • 8th November 2020
    Introspection
    In a conversation with a friend recently, a question cropped up. “We all have some self-improvement goals like being calm or being more organized, or not telling white lies or being disciplined about personal commitments, etc. But we keep slipping every so often on these goals. How do we course correct and come back on track when we slip up?”
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  • 7th November 2020
    Think Effectiveness, Not Just Efficiency
    Have you ever felt this way? You spend the day finishing many tasks, but somehow, you think nothing much has been done at the end of the day. There is a simple reason for this feeling. You were likely to be efficient instead of being effective. These two terms may sound similar, but there is a big difference between them. Efficiency is when you perform any given task, it doesn’t matter if it is important or not, in the most economical manner.
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  • 2nd November 2020
    Ease of GST Filings – A Boon for Lenders
    The 42nd Goods and Service Tax (GST) Council meeting was held on 5th Oct 2020 and the 43rd meeting on 12th Oct 2020, chaired by Finance Minister Nirmala Sitharaman, to discuss the GST compensation for state governments for FY21. Amidst all the speculations, the GST Council has however brought some relief to businesses intending to enhance Ease of Doing Business and improve the compliance experience.
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  • 26th October 2020
    Handling Fraud In A Digital World – A Pandemic In Its Own Right
    Everyone has been talking digital, something Financial Institutions wanted to do but in the foreseeable future. The pandemic changed this for everyone and brought it to the forefront. It has become the hot topic in most webinars and events today and we now accept that this change is irreversible . The flip side of jumping on the digital bandwagon is trying to get there too quickly and not recognizing the nuances that come with it.
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  • 20th October 2020
    Clear Your Mental Clutter
    “Pramod, having a cluttered table is bad Feng Shui. It blocks the free flow of the energy within you, and it will harm your performance”. This was a comment made by an ex-colleague of mine when he saw my workspace with piles of folders, books, magazines, and other Knick-knacks. Somehow that chance comment has stayed with me.
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  • 30th September 2020
    Three Paradoxes In Our Life
    When I am in coaching conversations, things get confusing sometimes. In some situations, the course of action could be “Be proactive, go out there, push or hustle,” and in some other situations, the course of action could be “Don’t push too hard. Give your best and let things pan out.”
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  • 28th September 2020
    Strengthening SME Lending with Multi GSTIN
    The turmoil in global markets has impacted multiple sectors with expected losses ranging from moderate to even significant. Ravi has manufacturing units of packaging materials in 9 states in India. Ravi's organisation is one amongst many of the banks' MSME customers who run their operations from various locations in India. Having operations severely impacted in 5 states, he reached out to bank(s) seeking immediate help for the survival of his business and was faced with an uphill task of convincing a growing list of circumspect lenders of his credit-worthiness under the prevailing business climate.
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  • 24th September 2020
    One-Time Loan Restructuring Dilemma
    The Supreme court directions on NPA classification post moratorium is a new challenge before lenders, while we await the final hearing on this. How can lender decide, which borrower to extend the facility, the one’s in stress need most help, but for lender there is the highest risk – can lender make big leap of faith, rely on past performance of the borrower than the current aberrations.
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  • 22nd September 2020
    Communication - It’s Your Bridge to Opportunities
    All of us need Opportunities to showcase our skills, capabilities, talent. But, where do Opportunities come from? They come from People who bring opportunities in our life. Opportunities don’t fall from the sky. Even if you believe in some higher power, destiny- those higher powers deliver the opportunities to us through people.
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  • 28th August 2020
    The Buzz Around "Embedded Finance"​ is Real
    There's a new kid in the town. The buzz word that's capturing the attention of VCs and PEs. It is called Embedded Finance, deemed to be the Future of the Economy! In this quick writeup below let us see why this is real and the hype is justified especially in India, and also see what are the factors that are accelerating its growth. Also, let's take a sneak peek into some of the aids available to accelerate the growth in this sector.
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  • 13th July 2020
    3 Types of Hacks for making better use of LinkedIn
    Depending on your LinkedIn Objective, identify what are the type of people you want to reach on LinkedIn (TG) and what are the keywords they will search to reach you.
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  • 20th May 2020
    Building an MVP
    Does this picture sound familiar? I have seen it being used on several occasions to describe an MVP strategy. The picture seems perfect. I myself couldn’t have expressed such an important concept in such a simple but profound way.
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  • 1st February 2020
    Be The Master
    There is a Buddhist saying that our mind makes an excellent servant but a terrible master. To relate to this saying, we need to acknowledge a simple fact.
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  • 24th December 2019
    2020 will separate the leaders from the laggards – which one will you be?
    At Perfios, we serve over 200 Indian banks, NBFCs, Fintechs, wealth managers and mutual funds. We extract, categorize, aggregate, and analyze over 2,000 types of (un-)structured data from over 400 banks and financial institutions.
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  • 20th December 2019
    Changing Pace of Mutual Funds – how technology can help expand the industry.
    Over the ten years to February 2019, AUM of Mutual Funds in India have grown at a CAGR of 16% to reach INR 23.2 Trillion . An average CPI of 7% in that period , and therefore effectively negative interest rates on bank savings, prompted investors to seek relatively higher risk and higher return investment options.
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  • 5th March 2019
    Bridging SME Financing Gap Using AI/Machine Learning
    Small and Medium Enterprises (SMEs) are integral to the economic development of any country. They constitute the backbone of an economy providing employment and contributing significantly to the national GDP (gross domestic product).
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