The Account Aggregator Update Nobody Wants But Everyone Has to Do There’s a deadline coming on September 30, 2026, and if you’re running an FIP or building on Account Aggregator, you’re going to feel it. By that date, you have … Read More

What Is Real-Time Stress Detection? Traditional lending decisions have long relied on static data points credit bureau records, income documents, and historical repayment behaviour. While these indicators remain important, they often provide a delayed view of a borrower’s financial health. … Read More

A scorecard that was excellent at approval time can quietly become a liability eighteen months later. The borrowers change, the macro environment shifts, your own credit policy evolves and the model that used to separate good accounts from bad ones … Read More

For most of the last decade, validating a credit model in India was a matter of internal discipline — something good risk teams did, and others got away without. That era is closing. Between RBI’s draft principles on model risk … Read More

Let me ask you something that doesn’t get discussed enough in the boardrooms.  Your institution has invested heavily in credit models. You’ve refined risk scoring, tightened underwriting parameters, and built decisioning engines that many would call best-in-class. But when was the last time you … Read More

Frictionless KYC: Inside the Kwik.ID API Suite Trusted by Banks, Fintechs & NBFCs In the digital-first financial world, KYC is your first handshake with the customer. It isn’t just a checkbox—it’s the gateway to trust, compliance, and scalable growth. Get … Read More

How the new OTP-based CKYC download impacts onboarding, compliance, and customer experience across financial institutions Introduction In April 2025, the Central KYC Records Registry (CKYCRR) introduced a crucial upgrade to the CKYC framework: mandatory OTP-based consent for downloading individual KYC … Read More

Understanding Identity Theft Identity theft occurs when someone steals personal information such as Aadhaar card numbers, PAN details, or credit card information to make online purchases, access financial accounts, open new bank accounts, or commit other types of fraud. Identity … Read More

In recent years, the Reserve Bank of India (RBI) has emphasized adopting digital solutions to streamline banking processes and enhance customer convenience. A pivotal initiative in this direction is the introduction of Video KYC (Know Your Customer), which enables banks … Read More

KYC compliance presents a dual challenge for financial institutions. While customers demand quick onboarding with minimal checks and documentation, regulators impose strict penalties for any inconsistencies in identity verification and risk assessments. To address this, banks, NBFCs, and fintech companies … Read More