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Agriculture and Small Medium Enterprise lending – The business ...

With a GDP of US$510 billion, Nigeria is the largest economy in Africa, and 26th largest in the world. Driven by oil and gas, Nigeria’s economy is strongly influenced by the global crude oil prices. When oil prices plummeted to a new low in the last 18 months, the performance of oil company stocks was highly affected, thus raising an alarm on their non-performing read more...

Will the rise of self-driving cars be the end of automotive finance?

The global automotive industry was worth $2.3 trillion in 2015, but this number is likely to change significantly in the future. Boston Consulting Group, in their recent study, forecasted that partial autonomous vehicles, i.e. those that drive themselves on the freeway or take over in traffic jams, may be on the road in large numbers by next year and fully autonomous read more...

Lesson from challenger banks: Customer centricity really works

In 2010, when Metro Bank became the UK’s first new high street bank in 150 years, little did we know that floodgates were being opened. Today, there are more than 20 banks in various stages of license application and a backlog of 86 peer-to-peer lending companies awaiting authorization to operate from the Financial Conduct Authority. It is clear that challenger read more...

FinTech and Bank: Blockchain can balance the scale for lending

Blockchain, the disruptive technology, which has become famous as the platform that powers crypto currencies such as bitcoin, offers the potential to disrupt banking and financial services. Various banks are working on harnessing the power of the blockchain technology for banking transactions.   Blockchain uses cryptography and a distributed messaging read more...

Using the past to predict the future and reduce NPLs in banking

When the Reserve Bank of India set March 2017 as the deadline for Indian banks to clean up their balance sheets, by classifying stressed assets as Non-Performing loans (NPLs) and setting aside funds (provisions) to cover them by the end of March 2016, many industry commentators were concerned. While the exercise was positive, in that it is designed to restore the read more...

NBFCs looking to technology to power their growth

The revised regulatory framework from the RBI seeks to address regulatory gaps while providing a level playing field for NBFCs and banks.   Over recent years, the NBFC sector has expanded sharply as witnessed by a credit growth at a CAGR of 24.3 % during 2007 -13 as against 21.4 % by the banking sector.   In most of these years, NBFCs grew faster read more...

Re-inventing lending in Japan through new-age technology

"It is an axiom nowadays that no bank fails for lack of capital; unprofitable lending is always the underlying cause." -- James Grant, author- ‘Money of the Mind’.   Over the past couple of decades, competition among lenders has been fierce and this only seems to be increasing with every passing day. In order to retain existing customers and acquire new read more...

About Nucleus

At Nucleus Software we are committed to providing efficient, modern yet proven software solutions for the global Banking and Financial Service industry. We have been pioneers in developing Retail Banking Software, Corporate Banking Solutions, Transaction Banking, Cash Management and Internet Banking Software since 1986. Our success spreads across more than 50 countries, and we serve our customers globally through our direct and partner operations across US, Europe, Asia-Pacific, Africa and the Middle East. We are known for our world-class expertise and innovation in lending and transaction banking technology. Our two flagship products, built on the latest technology are: FinnOne™ and FinnAxia™.

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