Category: Retail Lending

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Customer centricity in bank lending: FinTech shows the way

The banking and financial services space has witnessed tremendous change recently, especially with regard to the rise of new players. As reported by KPMG, financing for FinTech has jumped 6 fold in the last 3 years, reaching US$20billion in 2015. The number of ‘unicorn’ FinTech companies has increased quickly, with Finovate reporting 46 and 38 more catching up 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...

Indonesian Regional Development Banks must embrace effective credit ...

Non-performing assets are not just a trail left by defaulting borrowers, it is indirectly linked with the inappropriate selection parameters and inefficient scoring mechanism of the credit scoring system of the banks. Mostly the credit scoring systems used in Regional Development banks act like a black box providing acceptable score for credit approvals to both good read more...

Technology – A Panacea to Mutuals’ Challenges?

How can Mutuals harness Technology to address their Challenges? Technology is transforming the way we bank and consumers are driving this transformation. Customer centricity is the buzzword as banks’ processes and systems are being aligned with their customers. Current trends in banking like mobile first design, digital branches, innovation, and enhanced customer read more...

India’s Public Sector Banks must innovate and embrace digital ...

For quite some time, Public Sector Units (PSUs) have been stuck in their conventional way of banking without embracing digitisation. In this era when all types of business are moving online, ignoring digital banking is no longer an option for PSUs but something that they need to do - and quickly!   As per a BCG report, by digitising processes read more...

Consumer lending in Japan – susceptibility to macro events and ...

In 2014, retail lending in Japan grew by 1% y-o-y. This is in sharp contrast to the nearly 8% growth in 2013 when Auto loans and card loans showed very strong performances. While credit cards has witnessed a strong market in Japan for quite some time now, the growth in auto loans can be attributed to the proposed VAT increase from 5% to 8%, which led consumers to 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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