Co-lending is gradually becoming an important part of the lending landscape, particularly as banks and other regulated lenders look to combine their respective strengths in customer reach, origination, funding and risk participation. At first glance, the concept appears simple. Two… Continue Reading
Vehicles as Collateral: What ESG Information Should Banks Capture? Vehicle finance represents one of the most widespread forms of secured lending—from personal cars and two-wheelers to commercial fleets, buses, trucks and specialised industrial vehicles. Traditionally, banks assess vehicle collateral through… Continue Reading
In the first article of this series, we discussed the need to look beyond the conventional legal and financial characteristics of property collateral and progressively build a sustainability profile of the underlying asset. Banks are indirectly involved in various manufacturing… Continue Reading
Your app runs smoothly on the office Wi-Fi. But what about the customer scrolling through it on a train, with patchy signal, on a three-year-old phone? Are they getting the same smooth experience — or are they giving up and… Continue Reading
The Global Fintech Fest (GFF) 2026 — the world’s largest fintech gathering — is underway in Mumbai from September 8 to 11, bringing together policymakers, regulators, investors, and technology leaders from more than 80 countries. This year’s theme, “Potential to… Continue Reading
If your site scores well on Lighthouse but still feels laggy, the moment someone clicks a filter, opens a menu, or submits a form — you have an INP problem, not a load-time problem. Interaction to Next Paint (INP) became… Continue Reading
For decades, banks have assessed property collateral primarily through a familiar set of parameters—ownership, title, valuation, location, marketability, legal enforceability and insurance. But the risk environment surrounding physical assets is changing. A property may have a strong market value today,… Continue Reading
Your site loads in 4 seconds. That doesn’t sound bad — until you realize you just lost roughly a quarter of your visitors before they saw a single word of your homepage. “Speed matters” has been repeated so often it’s… Continue Reading
A Server Component is a component that renders exclusively on the server. It never ships to the browser as JavaScript — only its rendered output does. That’s a meaningfully different model from traditional Server-Side Rendering (SSR), where the server renders an initial HTML payload, but the client still downloads and hydrates the entire component tree afterward. Continue Reading
Indian financial institutions are entering the most consequential regulatory reset since the 1990s prudential norms — and most risk teams are not ready for what’s coming. In April 2026, the RBI issued its final directions on Expected Credit Loss (ECL) provisioning for… Continue Reading