by Lalitha Arugula | Dec 7, 2025 | Digital Lending
The Co-Lending Breakdown Nobody Is Talking About Co-lending was supposed to democratize credit. Banks brought balance sheets. NBFCs brought borrower reach. Together, they’d unlock credit for segments long underserved by traditional finance. The partnership model...
by Lalitha Arugula | Nov 24, 2025 | Loan Origination
Deploying a Loan Origination System is one of the biggest technology bets a lending institution makes. Yet somewhere between go live and month twelve, most lenders still face the same uncomfortable question: Are we actually getting a return on this investment? The...
by Lalitha Arugula | Nov 20, 2025 | Digital Lending, Loan Origination
The 1M+ Loan Processing Automation Challenge: Why Scale Breaks Everything Scaling LOS to Process a million loans annually isn’t simply ten times harder than processing 100,000. It’s exponentially harder. A lender receives about 2,740 applications every day...
by Lalitha Arugula | Nov 18, 2025 | Digital Lending, Loan Origination
The Shariah-Ready Imperative The Islamic finance sector, projected at over $2.4 trillion in 2023, is expected to shoot past $7.7 trillion by 2030, with growth rates more than twice that of conventional banking in many OIC and emerging markets. This unprecedented scale...
by Lalitha Arugula | Nov 14, 2025 | Digital Lending, Loan Origination
Multi-Branch Loan Origination: The Centralization-Flexibility Paradox The Core Tension Multi-branch banking creates an operational paradox that most banks struggle to resolve. Traditional institutions must simultaneously maintain standardized processes across dozens...
by Lalitha Arugula | Nov 11, 2025 | Digital Lending, Loan Origination
The High Stakes of Loan Origination Process Implementation for Tier-2 Banks For mid-sized financial institutions navigating India’s quickly changing digital banking environment, putting in place a Loan Origination System (LOS) presents both an essential...
