Tag: electronic payments
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Credit Scoring Vs Personalised Lending
In India, all banks have internal credit scoring models and it has not helped them in lending to SMEs. Two key reasons why banks (formal lending institutions) do not lend to SMEs in India area.) Lack of information on actual profitability/cash flows. No official documented evidence of income can be found. This is primarily in […]
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Payments, Banking and Cost implications of cash – India
Electronic Payments have always intrigued me. I have written about this in the past. I was reading through a few more documents on electronic payments and read through the Reserve Bank of India Vision Document on Payments. Quite an insightful document in terms of statistics. However, my feeling was it doesn’t quite clearly layout the strategic […]
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