Alternate Lending, Alternative Lending, Blockchain, FinTech

Re-Define Collateral in Digital Lending and Economy. Youngsters are Digitally Rich than Asset Rich.

Do we need to re-define, "Collateral" in DigitalLending? Is collateral only about something physical?- Isn't storing contact details from a borrower's mobile phone collateral?- Isn't asking for social media information and taking virtual access to mobile phone collateral?My question is, can someone's YouTube, LinkedIn, Facebook content and connection quality be used as collateral for a… Continue reading Re-Define Collateral in Digital Lending and Economy. Youngsters are Digitally Rich than Asset Rich.

Alternate Lending, Alternative Lending, Bottom of the Pyramid, Financial Inclusion, FinTech

Relationship between Digital Lending, Smart Phone Battery, and Electricity.

What is the relationship between Digital #Lending, SmartPhone Battery, and Electricity? If we observe in rural areas, people save/used to save on the battery life, because they have to go to the nearby village or to any shop to get their mobile battery charged, now with the increasing availability of electricity they do not have… Continue reading Relationship between Digital Lending, Smart Phone Battery, and Electricity.

Alternate Lending, Alternative Finance, Alternative Lending, Financial Inclusion, financial literacy, FinTech, Lending

TikTok, Youtube and Lending. Is there a synergy?

Un-related business growth. #TikTok / #YouTube and #Lending. Will a user who is now addicted to make Tiktok/YouTube videos, take a loan for set up/mobile device/any other equipment required to make a good video? Are these two businesses and interests linked in some way? What if s/he does not have a good/credit score? How would… Continue reading TikTok, Youtube and Lending. Is there a synergy?

Alternate Financing, Alternate Lending, Alternative Finance, FinTech, Fintech & Payments

Alternative Lending,  are we Over Writing the Under Writing.?? 

Wish to Pick your Thoughts on #AlternativeLending and Banks' Competence to handle that "#OverWriteTheUnderWriting ". The business is growing & Technology firms are getting into it through  #FinTech door. Is it increasing because ? 1. FinTech companies are increasing/growing and have better reach 2. Banks have gone back/technically not able to cater to those people… Continue reading Alternative Lending,  are we Over Writing the Under Writing.??