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1/n: LENDING (business) IS NOT A FEATURE.
And yes, distribution of lending/credit products is a ‘feature’ in some platforms/products.
Lending (CREDIT) is a business with many complex moving parts.
#long #fintech #thread #lending
And yes, distribution of lending/credit products is a ‘feature’ in some platforms/products.
Lending (CREDIT) is a business with many complex moving parts.
#long #fintech #thread #lending
2/n: In fact “Lending (Credit) is older than money and FinTech.” (medium.com/@gaurav.sharma…)
There’re lot of tweets (within the FinTech community in India) about Whether 'lending is a feature' or not? So, let’s unpack that a bit..
There’re lot of tweets (within the FinTech community in India) about Whether 'lending is a feature' or not? So, let’s unpack that a bit..
3/n: True definition of Lender = Lending Money from own balance-sheet (i.e. skin in the game). The primary revenue here is Interest Income (Net Revenue from Funds), and margins computed basis NIM (Net Interest Margin) and COF (Cost of Funds).
