News & insights on modern lending.

Singapore's Shared Responsibility Framework Bites: Real-Time Fraud as a Decisioning Problem

Singapore's SRF shifts scam-loss liability onto institutions that fail their duties and obliges banks to hold high-velocity outflows. That reframes fraud as a real-time decisioning challenge.

The CCCFA Moves to the FMA: What It Means for NZ Lender Operating Models

Consumer credit regulation under the CCCFA is scheduled to move from the Commerce Commission to the FMA, folding lending into a single conduct regime. Here is what changes operationally.

Late Payments Hit a Six-Year High: Reading the Warning Before the Default

Australian B2B late payments are at their highest level in six years, with more invoices sliding past 60 days overdue. Ageing creep is now the clearest leading indicator of trade-credit failure, and a trigger to review limits and terms before the default arrives.

Tranche 2 Is Real: AML/CTF Enrolment Opens and the Onboarding Identity Bar Rises

Australia's AML/CTF Tranche 2 obligations are commencing, and the standard for customer verification is shifting from 'we checked a recognised source' to defensible, risk-based identity.

NZ Liquidations Hit an 11-Year March High While Defaults Fall: What the Split Means

New Zealand company liquidations recorded their worst March since 2015 even as business credit defaults eased about 16 per cent year on year. The divergence points credit teams towards sector-tiered scrutiny rather than blanket tightening.

Indonesia Formalises BNPL: OJK Regulation 32/2025 and South-East Asia's Shift from Growth to Governance

Indonesia's OJK Regulation 32/2025, effective 15 December 2025, moves Buy Now Pay Later from a lightly governed growth product to a regulated one, a clear signal of where South-East Asian digital-lending regulation is heading.

RBNZ Eases LVR Settings, and Why DTI Is Now Doing the Heavy Lifting

The RBNZ loosened LVR caps from 1 December 2025 because debt-to-income limits now backstop high-risk lending. For lenders, the binding constraint has shifted from deposit size to income serviceability, with real consequences for credit policy.

Expertise & Tools: Enabling Better Outcomes

There is an adage, “If you think it’s expensive to hire a professional to do the job, wait until you hire an amateur.” Pretty simple concept to grasp and can be applied to just about any part of life. Surgery, high-rise construction, or buying a house, what it all boils down to getting sound advice…

Financial Hardship and Lender Policies in the Digital Age

Consider this. The modern consumer model in recent times has been moulded and championed by suppliers of goods and services who can work with customers on their terms. Ethics, environmental sustainability, marketing and customer interaction all need a targeted approach to secure business. Telecommun

Credisense and Mambu Collaborate to Offer APAC Lenders a Next-Generation End-To-End Lending Solution.

SYDNEY, 9 November, 2022: Credisense, a leading no-code origination, workflow and credit decisioning platform, has partnered with cloud-native SaaS banking and financial services platform Mambu, to accelerate the modernisation of lending systems in the Asia Pacific market. The partnership will provi

Inflation: Using Technology to Compete In a Changing Market

The fundamental economic principle of a correlation existing between inflation and interest rates has long been established. In New Zealand, the Reserve Bank (RBNZ) is solely responsible for managing inflation using the OCR as the primary tool to control inflationary pressure on the purchasing power

The Rise of the API Economy

The invention of the wheel, railway networks, internal combustion and the discovery of flight have all been major contributors to economic creation and expansion. However, in the digital age, new tools to develop the economy are not restricted by the confines of physical innovation, instead, only by

CCCFA Changes and Unintended Consequences

Author Robert Louis Stevenson once wrote the “Sooner or later everyone sits down to a banquet of consequences.” It’s a fair observation to make and is applicable to virtually every action (or lack of) taking place in modern life, with the number of courses often determined by lack of forethought or

Need To Know Series, Episode 1: CCCFA Changing Responsibilities 29 November 2021

How can biometric verification fast track your customer origination process?

Automating identity verification using biometrics is one way to speed up your credit decisions and streamline customer onboarding. The reality of customer origination Many businesses, including financial institutions, telcos, utilities, lawyers, accountants, and trade credit providers, operate in a

Verify your customers in a matter of seconds with biometric identification

Transform customer onboarding with effortless and enjoyable digital experience using electronic biometric verification software. Biometrics: a new normal for customer experience Even before COVID-19, the world was going digital. But the pandemic accelerated the shift more quickly than anyone could h

The Future of Buy Now, Pay Later in New Zealand

Regulation and BNPL, what is the future?

The increasing use of biometric information for identity verification

In recent years organisations of all sizes, across most industry sectors have focused on shifting the traditional face to face customer interaction towards a digital customer experience. Businesses and consumers alike have come to expect to a level of simplicity and convenience that comes with the a

How to remotely complete your customer due diligence requirements

Bypassing the main banks in sending money offshore can be a profitable business. But companies need to be aware that breaches of the increasingly tough enforcement of laws governing international money laundering can result in hefty fines. The head of New Zealand Internal Affairs’ Anti-Money Launder

Artificial Intelligence’s growing role in Credit Risk

Artificial Intelligence (AI) and Machine Learning (ML) are playing an increasing role in assessing credit risk. The key questions are, can they solve everything, and will regulators buy into their use in credit management? AI & ML technology could find a plethora of use cases in the BFSI (Banking, f

Credit origination innovations on the rise

Although credit processes can still be manually labour-intensive to originate and execute, the consumer credit process is becoming increasingly user-friendly. Generally, retail credit products are more standardised, while most corporate credit systems still tend to come under the customised or tailo

Riding the No-Code wave of credit automation

When it comes to surviving in our increasingly unpredictable global environment, businesses are looking for set-and-forget engineering platforms to help make credit decisions that ensure clients will pay their bills. They also want to be able to reduce the time they spend pursuing debtors. By some e

Election outcome unlikely to impact credit demand in New Zealand

New Zealand is not one of the world’s powerhouse economies. Compared to the US, which has begun the countdown to its own elections later this year, the outcome of September’s New Zealand elections will have a relatively small impact in global terms. That said, the New Zealand elections will be close

New Zealand could match SME opportunities noted in SE Asian digital financial services

A study late last year by Google, Singapore sovereign wealth fund Temasek, and Bain & Company, tracked five key digital financial service verticals in South East Asia: payments, remittance, lending, insurance and investments. Conducted before the ravages of the Covid-19 pandemic, the report (coverin

Ch-ch-ch changes, the new normal

The Covid-19 pandemic is having a transformative impact on the world of credit risk assessment. Leaving to one side the macro view, that we are now in a world in which debt and unemployment levels in almost all major countries are soaring to percentages of GDP not seen since the Great Depression of

How lenders can cope with the new norms of remote digital service

COVID-19 is fast-forwarding the digital transformation of companies around the world. We are seeing appalling personal losses and devastation being created worldwide by the pandemic and its economic impact. But there is no denying it is also acting as a catalyst for change, economic, societal, pers

Pandemics and pandemonium, COVID-19’s impact on credit

The recorded impact of major pandemics on economies stretches back to at least medieval times and, serious though the current crisis is, it’s important to keep some perspective about where COVID-19 sits in historical terms. The Black Death, the bubonic plague that raged from approximately 1347-1351,

P2P Lending: What China taught us

P2P lending has spread significantly since the pioneering Zopa was conceived in the UK way back in 2005. Connecting investors and lenders to borrowers, whether it’s for personal financing or business financing, sounds like a fabulous idea, cutting out the bureaucratic middle man (almost) and enabl

The Relationship Between Climate Change and Credit Scoring

Climate change and it’s affect on risk and credit scoring.

Cautious economic optimism for 2020

Despite the uncertainties of the past year, pundits generally seem to be expecting a global recovery by the second half of 2020. In comments reflecting a general analyst sentiment of cautious optimism, Adrian Zuercher, APAC head of asset allocation at UBS Global Wealth Management’s Chief Investment

Will Open Banking Shake Up The Industry?

Will Open Banking revolutionise personal finance?

Top 2 Decisioning Software Features that Keep Your Business Agile

Overview of the important features in decisioning software can assist companies to be more agile.

China’s P2P Lending Meltdown Makes a Great Teaching Moment

P2P lending has spread significantly since the pioneering Zopa was conceived in the UK way back in 2005. Connecting investors and lenders to borrowers whether it’s for personal financing or business financing sounds like a fabulous idea, cutting out the bureaucratic middle man (almost) and enabling

3 Reasons Why You Shouldn’t Replace Credit Managers with Automation

By automating your business processes, whether it’s in the application process, risk-assessment process or simply driving best practices…

Drive Higher Customer Satisfaction through Online Loan Origination

It is crucial for businesses to recognise that the only way to…

The hidden function and its importance in the digital era.

With growth in the number of people connected online and the…

It just makes sense

Here’s where I’m going to be shameless, not only because it’s true but because I am passionate about sharing how we can improve both how you work but also your customer experience.

It’s All About Data, Dummy.

Whilst big leaps in data-driven strategic planning have been made in many areas such as marketing and IT, Credit Management is still lagging.

Reduce Risk and Reap Rewards of SME Financing through Digitised Decisioning

The risk of exposing one’s business to the dreaded outcome of ‘non-performing loans’ can be tackled by addressing it head on at the very beginning of business engagement.

What is Happening in the World of Credit?

In 2018, open banking really began hitting its strides with several localities pushing positive regulations in this area to promote innovation and vying to become geographical leaders in this area.