Lending

How a Gold Loan Management System Can Streamline Operations and Boost ROI

How Technology is Revolutionizing Microfinance Lending?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/04/RBI-guidelines-banner.webp" alt="RBI’s Lending Against Gold Collateral Directions 2025: Key Guidelines and Impacts Explained" title="" width="100%" height="253">The Reserve Bank of India (RBI) has released the Draft Directives 2025 on Lending Against Gold Collateral, bringing a much-needed regulatory reset to a sector that’s long operated in silos.&nbsp;Applicable to all regulated entities (REs), including commercial banks, cooperative banks, and NBFCs, these guidelines aim to standardize gold loan practices, tighten controls, and ensure borrower protection. With the gold loan market continuing to expand, particularly in rural and semi-urban India, this framework focuses on improving underwriting, valuation, collateral safety, and end-use transparency.&nbsp;<h2 class="heading-node" id="vrr5rtsz3" style="text-align: justify">Background: Current State of Gold Lending</h2>RBI’s review uncovered widespread irregularities and recurring issues in gold loan practices. Lenders increasingly relied on third-party agents, often valuing gold without the borrower present. Due diligence was inadequate, and end-use monitoring, especially for high-value or income-generating loans, was inconsistent or missing. Recovery practices also lacked transparency, with many borrowers not properly informed during gold auctions.&nbsp;&nbsp;Additionally, the enforcement of the 75% Loan-to-Value (LTV) cap was uneven, and risk weights were incorrectly applied. These gaps highlighted the need for a unified regulatory framework, one that ensures borrower protection, operational discipline, and standardization across the gold loan ecosystem.<h2 class="heading-node" id="bqnbvf39j" style="text-align: justify">Key Proposals in the RBI's Draft Guidelines</h2><ol class="list-node" id="jg10nqvve"><li>Standardized Gold ValuationLenders must use a transparent and uniform method for valuing pledged gold, with valuation done by certified personnel and subject to periodic audits.</li><li>Loan-to-Value (LTV) Cap and TenureThe draft reiterates the LTV cap of 75%, ensuring responsible lending. For bullet repayment loans (where the entire principal is repaid at maturity), the maximum tenure is proposed at 12 months.&nbsp;</li><li>Auction and Recovery NormsIn the event of a default, auctions must be conducted in a transparent manner, with adequate borrower notification. Any surplus amount post-auction must be refunded to the borrower.&nbsp;</li><li>Disclosure and DocumentationLenders must clearly disclose the terms, interest rates, processing fees, and auction terms to borrowers upfront. Loan sanction letters should include the weight, purity, and valuation of gold accepted.&nbsp;</li><li>KYC and Purity ChecksMandatory KYC compliance and enhanced due diligence for high-value loans. Purity checks must be documented and auditable.&nbsp;</li><li>Role of NBFCs and BanksThe guidelines apply uniformly across banks and NBFCs, with specific emphasis on curbing some of the lending practices followed by banks and gold-loan NBFCs.</li></ol><h2 class="heading-node" id="9q769ync5" style="text-align: justify">Impact on Borrowers and Lenders</h2>For Borrowers&nbsp;<ol class="list-node" id="gwaig6zsm"><li>Enhanced Transparency: Borrowers will benefit from clearer loan terms and standardized practices across lenders, ensuring consistent treatment.&nbsp;</li><li>End-use Monitoring: Lenders will verify the end-use of funds for income-generating loans and high-value consumption loans, preventing misuse.&nbsp;</li><li>Secure Collateral Handling: Collateral must be stored securely, and lenders face penalties for delays in returning collateral after repayment.&nbsp;</li><li>Prompt Collateral Return: Collateral must be returned within 7 working days after full repayment, with a ₹5,000/day penalty for delays.&nbsp;</li></ol>For Lenders&nbsp;<ol class="list-node" id="yuer044c1"><li>Enhanced Risk Management: Lenders must implement stricter risk management policies, including single-borrower and sectoral caps on gold loan portfolios. This includes monitoring the end-use of funds, especially for income-generating loans.&nbsp;</li><li>Standardized Gold Valuation: Lenders must establish uniform procedures for assessing the weight and purity of gold collateral, ensuring transparency and consistency across all branches.&nbsp;</li><li>Operational Adjustments: Lenders need to adapt their systems to manage LTV ratios in real-time, track multiple loans, and enforce auction protocols efficiently to avoid non-compliance penalties.</li><li>Financial Implications: Non-compliance could result in financial penalties, provisioning burdens, or reputational damage. The introduction of a uniform 75% LTV ratio may also impact NBFCs that previously used higher ratios, leading to stock price declines for some gold loan companies.</li></ol><h2 class="heading-node" id="07g847hhk" style="text-align: justify">How Finflux by M2P LMS Enables Effortless Compliance &amp; Lending Efficiency</h2><ol class="list-node" id="jh8hrcjxv"><li>Smart LTV Monitoring and Alerts: Finflux by M2P’s LMS is built to automatically calculate and monitor LTV ratios&nbsp;and customizable purity adjustment logic. Breach alerts and auto-flagging ensure lenders stay within RBI thresholds.</li><li>Automated Valuation Workflows: Gold purity inputs, market rate APIs, and gemstone exclusions are all baked into the valuation module, ensuring fair and compliant gold pricing for every loan.&nbsp;</li><li>Bullet Loan Controls: Finflux’s LMS allows lenders to configure product rules based on tenure, loan amount, and end-use. This makes it easy to ensure that bullet repayment loans are capped as per regulatory guidelines.&nbsp;</li><li>Borrower Due Diligence &amp; Documentation: Built-in KYC workflows, end-use declarations, and support for digital documentation allow lenders to maintain audit-ready records without the paperwork headache.&nbsp;</li><li>Renewal &amp; Top-Up Governance: The LMS mandates fresh appraisals, formal requests, and borrower eligibility checks before allowing renewals or top-ups, fully aligned with the latest RBI rules.&nbsp;</li><li>Unclaimed Collateral Tracking: Automated reminders and borrower/legal heir tagging ensure that no gold sits idle beyond two years without follow-up.&nbsp;</li><li>Granular Reporting &amp; Disclosures: Generate RBI-compliant reports covering loan books, LTV ratios, NPAs, and silver/gold collateral split, ensuring accurate disclosures and audit readiness.</li></ol><h2 class="heading-node" id="c9forklek" style="text-align: justify">Future-Ready Lending Begins with the Right Infrastructure</h2>As regulators push for greater accountability and transparency, lenders must embrace intelligent systems that can adapt to compliance, not just support lending.&nbsp; &nbsp; At Finflux by M2P, we’re building the tools that help lenders not just comply but grow responsibly. Whether you’re a bank, NBFC, or cooperative institution, our LMS is engineered to help you navigate the complexities of gold-backed lending with speed, clarity, and confidence.&nbsp; &nbsp; Want to see how Finflux by M2P can future proof your gold loan operations?<a class="link" href="https://m2pfintech.com/contact-us/?utm_source=lending_blog">Get in touch</a> with us today.<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

Navigating RBI’s 2025 Gold Loan Directives with our Comprehensive Loan Management System

Driving Efficiency in Loans Against Mutual Funds with Tailored Loan Management System (LMS)

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/04/Credit-card-Product-updates-Banner-3.webp" alt="M2P Fintech" title="" id="949nmx2yl" width="100%" height="253">Welcome to the Q4 FY 2024-2025 edition of our quarterly product updates, where we spotlight the newest enhancements to our <a class="link" href="https://m2pfintech.com/credit-cards/">credit card stack</a>.&nbsp;This product update note highlights key improvements that enhance operational efficiency and end-user experience, ultimately helping you deliver greater value to your customers.&nbsp;<h2 class="heading-node" id="xhajg3tzk" style="text-align: left">Product Highlights</h2><h4 class="heading-node" id="h607py904" style="text-align: left">1. Minimum Amount Due calculation for MENA region&nbsp;</h4>As part of this feature upgrade, any overdue unpaid MAD from the previous cycle will be added to the current cycle’s MAD.&nbsp;The system will keep incrementing MAD if the customer does not clear the overdue, which may also lead to mathematically MAD becoming greater than TAD. In such scenarios, the system will keep MAD = TAD and not increment further.<h4 class="heading-node" id="rysocuti5" style="text-align: left">2. Password configurations for statements&nbsp;</h4>This feature provides the ability for a bank/fintech partner to set or update the password configuration that is set for protecting the statement. Passwords can be configured based on 4 different parameters – First Name, Last Name, DOB and Last 4 Digits of Card Number through any order of preference.&nbsp;<h4 class="heading-node" id="444q07olb" style="text-align: left">3. FRM integrations for RuPay and Multi-card&nbsp;</h4>Any new additional cards/RuPay card availed by the customer will be onboarded to <a class="link" href="https://m2pfintech.com/blog/all-you-need-to-know-about-building-a-robust-fraud-and-risk-management-frm-system/">FRM</a> system so that transactions done through new additional cards and RuPay cards are also monitored.&nbsp;<h4 class="heading-node" id="w0lzav636" style="text-align: left">4. FRM integrations for additional configurations&nbsp;</h4>A set of configurations is available to filter out advice transactions sent to the<a class="link" href="https://m2pfintech.com/frm-aml/"> FRM</a> system. These configurations can be defined at the credit end based on MTIs, reason codes, and response codes.&nbsp;<h4 class="heading-node" id="53o7peqgc" style="text-align: left">5. SI report generation&nbsp;</h4>SI report automation and generation with the fields below&nbsp;<ul class="list-node" id="guk5kgw3m"><li>CIF Number&nbsp;</li><li>Tran Date&nbsp;</li><li>Tran Amount&nbsp;</li><li>Success/Failure with Reason&nbsp;&nbsp;</li></ul><h4 class="heading-node" id="ltfvg1hbl" style="text-align: left">6. Report automation</h4>Automation of the following transactional reports on a daily and monthly basis. These reports will now be sent through the warehouse system on configuration&nbsp;<ul class="list-node" id="60z18484u"><li>Financial Activity Reporting&nbsp;</li><li>R16 Report&nbsp;</li><li>Repayment Report&nbsp;</li><li>Interest Summary Report&nbsp;</li></ul><h4 class="heading-node" id="teag43vy2" style="text-align: left">7. UPI credits to be allowed with restricted MCCs</h4><a class="link" href="https://m2pfintech.com/upi/">UPI</a> transactions with UPI Type as CREDIT and all other Subtypes such as PAY, COLLECT etc., are now allowed for payment processing.&nbsp;<h2 class="heading-node" id="11xn80ybz" style="text-align: left">Supply Chain Financing Module</h2><h4 class="heading-node" id="2kzsk0ehm" style="text-align: left">1.Order cancellations post confirmation</h4>As part of the <a class="link" href="https://m2pfintech.com/blog/unlocking-growth-supply-chain-financing-future-with-m2ps-credit-stack/">supply chain financing</a> product, we have added the provision to cancel a transaction post the order confirmation and placement, prior to the order being delivered.&nbsp;<h4 class="heading-node" id="1o1gx3dx4" style="text-align: left">2. System integration for document dispatch&nbsp;</h4>As part of supply chain financing product implementation, a call is made to the Bank’s document generation API to dispatch regulatory documents at the time of onboarding a merchant and once a drawdown is done. The relevant dynamic variables required for populating the document such as: Customer Name, Due Date, Due Amount details, etc. are shared through this upgrade.&nbsp;<h4 class="heading-node" id="eij5buxx4" style="text-align: left">3. Notification for spend reports&nbsp;</h4>When a spend report is generated and sent to the registered Mail ID, an SMS will also be sent to the customer. Parameters that will be sent in the notification are&nbsp;<ol class="list-node" id="mmax33zu3"><li>Customer’s first name and last name&nbsp;</li><li>Total consolidated due for the month&nbsp;</li><li>Billing month details - month and year for which the bill is generated&nbsp;</li></ol>That’s a wrap on this quarter’s highlights.&nbsp;We’re continuously working to improve our credit card platform to better serve our partners and their customers. If you have questions about these updates or want to see them in action, feel free to <a class="link" href="https://shorturl.at/yZdwB">contact us</a>.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

What’s New with M2P's Credit Stack Platform?

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/04/Retailer-Credit-Program-Blog-Banne-2025-02.webp" alt="M2P Fintech" title="" width="100%" height="253">For small businesses, working capital is essential to keep operations running smoothly. Nearly 70% of Small and Medium-sized Enterprises (SMEs) face financial challenges in this area. Traditional working capital loans from banks often fall short in addressing these specific needs, leading to cash flow issues and hindered growth.Supply Chain Finance (SCF) offers a flexible solution to optimize working capital and support growth. It offers significant financial and cash flow advantages to businesses of all sizes. Its importance lies in enhancing liquidity, shortening capital cycles, and bolstering supply chain resilience, making it an essential tool for sustaining a competitive edge in a volatile market.Globally, the supply chain financing market is projected to reach USD 13.4 billion by 2031. Despite its potential, traditional SCF processes are complex and cumbersome. Modern day credit tech stack could revolutionize Supply Chain Financing, streamlining processes and enhancing financial mechanisms. &nbsp;This blog explores the challenges in supply chain financing and how M2P’s Credit Stack is addressing them to empower businesses.&nbsp;<h2 class="heading-node" id="zeed5yb3n" style="text-align: justify">What is Supply Chain Financing?&nbsp;</h2>Supply Chain Financing (SCF) comprises a range of financial solutions aimed at optimizing working capital and enhancing liquidity for businesses within the supply chain. SCF enhances business cash flow by facilitating convenient payment terms between buyers and suppliers. In this model, both parties reap the benefits:<ul class="list-node" id="uex04ajtt"><li>Suppliers receive quicker payments</li><li>Buyers enjoy extended credit periods</li></ul>It not only optimizes cash flow but also stabilizes the supply network during market fluctuations. SCF operates through a collaborative framework involving buyers, suppliers, and financial institutions, establishing short-term credit based on the buyer’s creditworthiness. &nbsp;But even with these benefits, there are still some hurdles slowing things down—let’s explore what barriers supply chain financing has been facing.&nbsp;&nbsp;<h2 class="heading-node" id="esc7wkunb" style="text-align: justify">Challenges in Supply Chain Financing&nbsp;</h2>Manual processes slow down operations and heighten the risk of errors. Scalability is also a major issue, as managing large volumes of transactions and suppliers can be daunting without sophisticated systems. Additionally, regulatory compliance and the need to adhere to strict financial standards further complicate the landscape. Due to these challenges, many businesses end up with inadequate supply chain financing, which restricts their growth and hinders their ability to maintain robust liquidity.&nbsp;Financial institutions are now adopting new-age credit stack to overcome these obstacles. These new-age products help deliver streamlined, efficient solutions for supply chain financing, significantly transforming how businesses manage their financial operations.<h2 class="heading-node" id="8kp3v2sny" style="text-align: justify">How can Lenders benefit from Credit Stack to power SCF?</h2>Lenders are adopting new-age credit stack to power Supply Chain Financing (SCF) for several compelling reasons.<h3 class="heading-node" id="u9z9k7per" style="text-align: justify">Working Capital Efficiency&nbsp;</h3><a class="link" href="https://m2pfintech.com/blog/why-switch-to-a-new-age-credit-card-system/">New-age credit stack</a> optimize working capital for both buyers and suppliers. By leveraging the buyer’s creditworthiness, lenders can provide suppliers with early payments costs while allowing buyers extended payment terms customized to their creditworthiness and purchase relationship with the buyer. This dual benefit strengthens cash flow across the supply chain, ensuring smoother operations. The new-age credit stack can do this efficiently with smarter underwriting capabilities, integrated data collection mechanisms and ability to automate workflows in the process.&nbsp;<h3 class="heading-node" id="ef4ss69gm" style="text-align: justify">Improved Risk Management&nbsp;</h3>To assess credit risk accurately, new-age credit stack incorporates advanced algorithms and real-time analytics. By continuously monitoring financial data, transactions, and market conditions, lenders can better predict and mitigate risks associated with supply chain financing. This proactive approach reduces the likelihood of defaults and losses. &nbsp;<h3 class="heading-node" id="4asguurrk" style="text-align: justify">Seamless Automation &amp; Scalability&nbsp;</h3>New-age credit stack integrates advanced AI and machine learning technologies to automate invoice processing, payment tracking, and compliance checks. This eliminates manual errors and enables lenders to handle large transaction volumes efficiently—a critical advantage in globalized supply chains.&nbsp;<h3 class="heading-node" id="ik8vahcjz" style="text-align: justify">Strengthening Supplier Relationships&nbsp;</h3>Reliable and transparent financing solutions provided by new-age credit stack foster stronger relationships between businesses and their suppliers. Predictable and timely financing helps suppliers plan better and trust that they will be paid on time.&nbsp;New-age credit stack enables lenders to stay ahead in today’s competitive landscape, since adopting it isn’t just an option, it’s a necessity. Harnessing the power of these innovations, supply chain financing is transforming the way suppliers and distributors manage their operations.&nbsp;<h2 class="heading-node" id="9dc10sntp" style="text-align: justify">Impact of Supply Chain Financing for Suppliers &amp; Distributors&nbsp;</h2>Maintaining a healthy cash flow and operational efficiency is crucial for both suppliers and distributors. Supply chain financing (SCF) addresses these needs, offering immediate financial benefits and fostering stronger relationships within the supply chain.&nbsp;&nbsp;Here's a breakdown of its impact on suppliers and distributors.<h3 class="heading-node" id="7arufktnp" style="text-align: justify">For Suppliers&nbsp;</h3><ul class="list-node" id="9ub2872st"><li>Faster payments: Reduces Days Sales Outstanding (DSO) and improves cash flow management</li></ul><ul class="list-node" id="uniewmn03"><li>Cost-effective funding: Leverages the creditworthiness of larger buyers</li></ul><ul class="list-node" id="xt0741hgv"><li>Flexibility: Enhances financial planning and decision-making</li></ul><ul class="list-node" id="1ugumpokb"><li>Guaranteed payments: Minimizes the risk of late payments and buyer defaults</li></ul><h3 class="heading-node" id="oocpopfr6" style="text-align: justify">For Distributors&nbsp;</h3><ul class="list-node" id="a4vnggdsp"><li>Improved Cash Flow: Access to immediate funding shortens Days Sales Outstanding (DSO), optimizing cash flow management</li></ul><ul class="list-node" id="62txvnynd"><li>Lower Cost of Capital: Leveraging the buyer's creditworthiness allows distributors to access funds at a lower cost than traditional financing options</li></ul><ul class="list-node" id="nqsr65k7o"><li>Financial Flexibility: Enhanced cash flow supports better financial planning and decision-making</li></ul><ul class="list-node" id="nfq5sz3vn"><li>Reduced Payment Risks: Guaranteed payments minimize risks of late payments and buyer defaults</li></ul><ul class="list-node" id="34w97544x"><li>Operational Efficiency: Reduced financial strain enables focus on optimizing operations and driving long-term growth</li></ul>The transformative impact of supply chain financing on suppliers and distributors is clear—improved cash flow, reduced financial risks, and heightened operational efficiency. To maximize these benefits, leveraging new-age credit platforms that allows innovative credit payment facilities to the stakeholders is essential. &nbsp;By enhancing efficiency, reducing risks, and providing real-time insights, credit stack empowers businesses to better manage their working capital and foster growth.&nbsp;As a solution, M2P Credit Stack offers a rapid, secure, and scalable supply chain finance platform. This modern system accelerates time-to-market and lowers the total cost of ownership (TCO), helping businesses achieve their financial goals more efficiently.&nbsp;&nbsp;<h2 class="heading-node" id="oow00mjog" style="text-align: justify">M2P’s Credit Stack&nbsp;</h2>M2P's Credit Stack is a versatile multi-product platform designed to support a variety of use cases such as retail credit cards, corporate credit cards, line of credit, supply chain financing, and <a class="link" href="https://m2pfintech.com/blog/upi-the-driver-of-economic-growth-and-inclusion/">UPI</a> on <a class="link" href="https://m2pfintech.com/blog/credit-card-processing-a-definitive-guide/">credit cards</a>/credit line. This single platform empowers you to seamlessly build, issue, manage, and scale your credit programs, end to end. M2P’s Credit Stack delivers smarter, more efficient, and scalable solutions tailored to your needs:&nbsp;<ul class="list-node" id="fpnr9scl8"><li>All-in-one platform: One integrated platform offers credit line &amp; merchant management capabilities and KYC/ KYB services.</li></ul><ul class="list-node" id="n0yv2af41"><li><a class="link" href="https://m2pfintech.com/blog/api-the-power-that-drives-new-age-banking-ecosystems/">API-</a>first platform: Ensures seamless integration with lenders, buyers/merchants, and supplier ERP systems.</li></ul><ul class="list-node" id="33xhr3wmj"><li>Automated user journeys: Streamlines processes such as buyer onboarding, purchase, invoice generation, refunds, and repayments.</li></ul><ul class="list-node" id="kku7m309b"><li>Comprehensive merchant &amp; credit line management solution: Provides unified and efficient experience for all parties involved.</li></ul><ul class="list-node" id="stx22ozwm"><li>Flexible credit: Platform supports a wide range of credit product constructs (daily/ weekly/ fortnightly/monthly billing) that caters to a variety of businesses.</li></ul>With <a class="link" href="https://m2pfintech.com/credit-cards/">M2P’s Credit Stack,</a> businesses get a smart, steady way to streamline cash flow and spark growth. Step into the future of supply chain financing and unleash your company’s true power with our innovative solution.&nbsp;Ready to transform how your business handles money?&nbsp;Reach out to <a class="link" href="https://m2pfintech.com/contact-us/?activeKey=1">M2P Fintech</a> today and supercharge your supply chain financing.&nbsp;<h3 class="heading-node" id="gkei8sx36" style="text-align: justify">Reference</h3><a class="link" href="https://www.weforum.org/press/2022/12/small-business-big-problem-new-report-says-67-of-smes-worldwide-are-fighting-for-survival/">weforum</a><a class="link" href="https://www.alliedmarketresearch.com/supply-chain-finance-market-A08187">alliedmarketresearch</a><a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

Unlocking Growth: Supply Chain Financing Future with M2P’s Credit Stack

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/03/main-banner-100-1.webp" alt="What is ULI? And How it Works?" title="" width="100%" height="358">India is on a full throttle in achieving its goal of becoming a USD 5 trillion economy by 2025, bolstered by digital public infrastructure, rapid digital adoption, and fintech innovations. However, access to formal credit remains a major hurdle, especially for small and rural borrowers and MSMEs, the backbone of the Indian economy.&nbsp;&nbsp; To effectively address this, the Reserve Bank of India (RBI) introduced the Unified Lending Interface (ULI), a landmark initiative aimed at streamlining and expanding credit access.&nbsp; A recent study reveals that among 63 million MSMEs in the country, only 14-16% have access to formal credit, leaving a staggering credit gap of about USD 530 billion. On the other hand, a significant portion of small and rural businesses struggle to secure credit, with only a small percentage receiving timely financing, resulting in a large credit gap.&nbsp; How will ULI help bridge these gaps? Let’s break it down.&nbsp;<h2 class="heading-node" id="o03y9fn35" style="text-align: justify">What is Unified Lending Interface?</h2>The Unified Lending Interface (ULI) is a digital lending platform designed to streamline credit access through a consent-based, digital flow of financial information. It enables faster, more efficient, and more inclusive borrowing, particularly benefiting small businesses and rural borrowers.<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/03/sub-banner-1-100.webp" alt="M2P Fintech" title="" width="100%" height="429">Similar to <a class="link" href="https://m2pfintech.com/blog/upi-the-driver-of-economic-growth-and-inclusion/">Unified Payment Interface</a> (UPI), ULI is a Digital Public Infrastructure (DPI) featuring an open architecture supported by open <a class="link" href="https://m2pfintech.com/blog/api-the-power-that-drives-new-age-banking-ecosystems/">Application Programming Interfaces</a> (APIs), enabling various financial institutions to connect effortlessly. This plug-and-play model aims to eliminate manual documentation, sluggish approval processes, and fragmented data sources.<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/03/sub-banner-2-100.webp" alt="M2P Fintech" title="" width="100%" height="429">Let’s get down to the brass tacks of how ULI can help transform lending for small businesses with an example.<h2 class="heading-node" id="hbfn068e7" style="text-align: justify">A Real-Life Example: How ULI Transforms Lending for Small Businesses</h2>Meet Sujith: A Small Business Owner in Need of a Loan&nbsp; Sujith owns AA company, a small textile unit in Tamil Nadu. His business is expanding, and he needs a loan of INR 1.5 crores to purchase new machinery and hire additional workers.&nbsp; Sujith approaches XYZ Pvt.Ltd., a leading NBFC specializing in Business lending. However, like many small business owners, he faces a major challenge—he does not have all the required documents readily available to complete his loan application.<h3 class="heading-node" id="uzs8b3twe" style="text-align: justify">The Traditional Lending Process (Without ULI)</h3>If Sujith had to apply for the loan without ULI, he would need to manually gather and submit multiple documents, such as:&nbsp;<ul class="list-node" id="u97wi7knx"><li>Identity proof: PAN, Aadhaar, passport, or voter ID&nbsp;</li><li>Business address proof: Utility bill, trade license, or sales tax certificate&nbsp;</li><li>Income proof: GST returns, profit &amp; loss statements, and tax filings&nbsp;</li><li>Business registration proof: Udyam registration, MoU, Articles of Association&nbsp;</li></ul>At the time of application, Sujith could only provide his GST return and Udyam registration. Without additional documentation, XYZ Pvt. Ltd. might have either delayed or rejected the loan application due to insufficient financial data, forcing Sujith to seek alternative, often expensive, financing options.<h3 class="heading-node" id="fpyolpxrl" style="text-align: justify">How ULI Simplifies the Process for Small Businesses</h3>With the Unified Lending Interface (ULI), XYZ Pvt. Ltd. no longer requires Sujith to manually submit all documents. Instead, the system fetches the missing data digitally from authorized data custodians with Sujith’s consent.&nbsp; KYC &amp; Identity Verification:&nbsp;<ul class="list-node" id="59djmdv4b"><li>Aadhaar authentication via UIDAI&nbsp;</li><li>Business registration details via Registrar of Companies&nbsp;</li><li>Legal business documents from MoU and Articles of Association (AoA)&nbsp;</li></ul>Business Income &amp; Financial History:<ul class="list-node" id="c0ljyofrl"><li>Income tax records from Income Tax Authority of India&nbsp;</li><li>Additional GST filings from the GST database&nbsp;</li></ul>Other Potential Data Sources:&nbsp;<ul class="list-node" id="6kkqsdc36"><li>Aadhaar vault</li><li>Registrar of Companies (ROC)</li><li>Regional Transport Office (RTO)</li></ul><h3 class="heading-node" id="vmgv7cr3f" style="text-align: justify">The Bigger Impact: ULI is Transforming Small Business Lending</h3>ULI instantly consolidates all necessary financial and business data, allowing XYZ Pvt.Ltd. to:&nbsp;<ul class="list-node" id="3vw2dplaq"><li>Assess Sujith’s creditworthiness faster&nbsp;</li><li>Offer him a competitive interest rate based on verified financial health&nbsp;</li><li>Approve his loan within days, not weeks&nbsp;</li></ul>Sujith’s story is just one example of how ULI is breaking down barriers and making credit more accessible for MSMEs across India.<h2 class="heading-node" id="bfj38uc5u" style="text-align: justify">Overview of ULI Use Cases: Transforming Credit Access Across Sectors</h2>Unified Lending Interface (ULI) has the potential to revolutionize lending by enabling seamless, digital, and consent-based access to financial information. By integrating with various data custodians, ULI reduces paperwork, expedites loan approvals, and enhances credit accessibility across multiple sectors. Here is a quick overview of its broad applications:<h3 class="heading-node" id="gcdl6sj6y" style="text-align: justify">Agricultural Loans – Expanding Credit Access for Farmers</h3>Use Case: Tenant farmers applying for Kisan Credit Card (KCC) loans often face challenges in securing credit due to:&nbsp;<ul class="list-node" id="5nbmnxg4n"><li>Lack of land ownership records&nbsp;</li><li>Incomplete financial documentation&nbsp;</li></ul>These barriers make it difficult for financial institutions to assess creditworthiness, leading to delays or loan rejections. How ULI Intervenes:&nbsp;<ul class="list-node" id="kpbhpb9on"><li>KYC &amp; Identity Verification: Aadhaar (UIDAI), voter registry</li><li>Farming Data: Landholdings, crop patterns, satellite image data</li><li>Data Custodians: Ministry of Agriculture, ISRO (NRSC), Revenue Department</li></ul>Impact:&nbsp;<ul class="list-node" id="ymbe1oeuz"><li>Expedited <a class="link" href="https://m2pfintech.com/blog/know-your-customer-kyc-the-need-for-authentication/">KYC</a> &amp; loan approvals&nbsp;</li><li>Accurate credit risk assessment&nbsp;</li><li>Increased formal credit access for tenant farmers&nbsp;</li></ul><h3 class="heading-node" id="xlemlct3y" style="text-align: justify">Secured Loans – Simplifying Loan Applications</h3>Use Case: A salaried professional applies for a medical loan of INR 8 lakhs but receives only INR 6 lakhs from a bank. To cover the shortfall, they approach another bank for the remaining amount.However, the process is delayed due to:&nbsp;<ul class="list-node" id="ijfen56sk"><li>KYC verification requirements&nbsp;</li><li>Proof of landholding duly certified by the revenue authorities&nbsp;</li></ul>How ULI Intervenes:&nbsp;<ul class="list-node" id="yk8y0vx6v"><li>KYC &amp; Land Records: Aadhaar (UIDAI), ABHA ID, Income Tax, GST returns&nbsp;</li><li>Data Custodians: National Health Authority, State Land Authorities&nbsp;</li></ul>Impact:&nbsp;<ul class="list-node" id="y21xim5xq"><li>Seamless verification of loan applications across banks&nbsp;</li><li>Lenders can cross-check credit requests digitally&nbsp;</li><li>Faster loan disbursal, especially for urgent financial needs</li></ul><h3 class="heading-node" id="4ahhet7d3" style="text-align: justify">Home Loans – Reducing Approval Timelines&nbsp;</h3>Use Case:&nbsp; Housing finance institutions often face paper-heavy loan processes, leading to 3-4 week approval timelines due to:&nbsp;<ul class="list-node" id="x2by0c0jw"><li>Identity verification delays&nbsp;</li><li>Extensive income &amp; property documentation requirements&nbsp;</li></ul>These inefficiencies slow down loan disbursal and create a cumbersome experience for borrowers.&nbsp; How ULI Intervenes:&nbsp;<ul class="list-node" id="vgros4b3c"><li>KYC &amp; Income Verification: UIDAI, PAN, salary slips, IT returns&nbsp;</li><li>Property Documentation: Allotment letter, buyer’s agreement, title deeds&nbsp;</li><li>Data Custodians: Aadhaar vault, RTO, Department of Registration &amp; Stamps&nbsp;</li></ul>Impact:&nbsp;<ul class="list-node" id="wwlq6fakq"><li>Significantly reduces loan processing time&nbsp;</li><li>Eliminates the need for physical document submission&nbsp;</li><li>Enhances the borrower experience with faster approvals</li></ul><h2 class="heading-node" id="76tqk74mz" style="text-align: justify">Future of ULI</h2>As we look ahead, the Unified Lending Interface (ULI) is set for significant advancements, enhancing its role in India's lending landscape. Future developments include expanding digital infrastructure, integrating emerging technologies like AI and blockchain, and facilitating co-lending arrangements. ULI may also expand to new lending categories beyond MSMEs and agriculture.&nbsp; <a class="link" href="https://m2pfintech.com/blog/comprehensive-guide-for-effective-loan-management-system/">Loan Management Systems (LMS)</a> will play a crucial role in these advancements. They will integrate seamlessly with ULI through standardized APIs, enhancing risk management by leveraging comprehensive borrower data. LMS will automate key lending steps, reducing errors and speeding up the process. This integration will help reduce operational costs, making credit more accessible to underserved populations and aligning with ULI's goal of financial inclusion. Overall, the synergy between ULI and LMS will streamline lending operations, improve efficiency, and enhance financial accessibility across India. <a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox. Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

How the Unified Lending Interface (ULI) is Transforming Lending in India?

Future of Loan Management Systems: Predictions for the Next Decade, 2025-2035

<img src="https://m2p-website-file.s3.ap-south-1.amazonaws.com/m2p-website-file/marketing-cms/m2p-blog/2025/03/Customer-Attrition-Blog-Banner-2025-02.webp" alt="How banks can use M2P's Attrition Predictor-Powered Credit Card Stack to retain and engage customers " title="" width="100%" height="253">Over the past five years, the credit card industry has doubled its issuance, and a recent report reveals it is expected to continue this trend. In such a competitive backdrop, banks and financial institutions are constantly vying for customer attention and loyalty. While acquiring new customers through exciting offers and promotions often takes center stage, retaining existing customers is equally crucial. The real challenge extends beyond merely attracting credit card users; it involves keeping them engaged and loyal over time. In a dynamic landscape where customer preferences are continually evolving and churn rates can quickly escalate, banks must adopt innovative strategies to build enduring relationships with their cardholders.Before we dive into how banks can predict and prevent churn, here’s a quick overview.<h2 class="heading-node" id="8l686tl21" style="text-align: justify">Banking Customer Attrition: A Growing Concern</h2>Customer attrition, commonly referred to as churn, presents a significant challenge for the banking industry today. As competition intensifies and customer expectations evolve, banks find themselves facing high dropout rates. These challenges stem from stagnant customer experience (CX) scores, an influx of fintech competitors, and economic pressures, such as rising interest rates.&nbsp;The consequences of losing customers can be dire. It not only results in decreased revenue but also erodes trust and complicates the process of attracting new clients in a crowded marketplace. To combat these issues, banks must prioritize enhancing the customer experience and develop innovative retention strategies. By doing so, they can not only preserve their existing customer base but also position themselves for long-term success.<h2 class="heading-node" id="zgue3vfri" style="text-align: justify">The Importance of Retaining Customers</h2>Retaining customers is not solely about revenue; it is fundamentally about trust.&nbsp;Banks are dedicated to strengthening customer trust, understanding that today's consumers prefer financial institutions that reflect their values and cater to their specific needs.&nbsp;Solutions like Attrition Predictor enable banks to change this perception by proactively engaging with customers and addressing their needs in real-time. By doing so, banks can build stronger, trust-based relationships and enhance customer loyalty.<h2 class="heading-node" id="l3ricx3d3" style="text-align: justify">How M2P's Credit Card Stack + Transaction Intelligence Platform Helps Banks Predict and Prevent Churn&nbsp;</h2>To address this critical issue, we have developed Attrition Predictor, a sophisticated machine-learning classification algorithm engineered to proactively predict the likelihood of individual customer churn. This powerful tool leverages advanced analytics to dissect historical transaction data, identify intricate patterns, and derive key features. These derived features collectively build a comprehensive risk profile for each customer, providing a granular understanding of their potential churn risk.Attrition Predictor goes beyond simple prediction; it offers a holistic solution that seamlessly integrates into the existing banking ecosystem to drive tangible results.Our system delivers clear and concise actionable insights regarding high-risk customers. These customers are meticulously categorized based on the severity of their predicted attrition risk, empowering banks with prioritization to allocate resources effectively. This granular segmentation allows for a targeted and efficient approach to customer retention.In essence, Attrition Predictor operates within a collaborative model, providing actionable intelligence on at-risk customers and their unique profiles. Simultaneously, the bank leverages this intelligence to design and deliver compelling, personalized offers that directly address the factors contributing to potential churn. This collaborative partnership establishes a strong and proactive approach to effectively reduce attrition, boost customer retention, enhance loyalty, and significantly improve the bank's overall performance. Attrition Predictor empowers banks to transform customer relationships and strategically secure their revenue streams.<h2 class="heading-node" id="gxt6m6xbe" style="text-align: justify">Effective Strategies for Mitigating Customer Attrition</h2>As financial institutions strive to retain their customer base, the implementation of advanced tools such as Attrition Predictor is just the beginning. A more comprehensive approach is essential to combat churn effectively. Here are three pivotal strategies that banks can adopt to enhance customer loyalty:<ul class="list-node" id="wad1vvdr8"><li>Enhancing Customer Experience (CX): Delivering personalized and seamless interactions across both physical and digital platforms is paramount. By prioritizing the customer journey and ensuring consistency, banks can significantly elevate customer satisfaction and retention.</li><li>Investing in Financial Wellness Solutions: Today's consumers seek guidance in managing their financial well-being. Banks that provide tailored financial wellness tools—not only foster trust but also cultivate a deeper loyalty among their customers. By empowering users with the resources they need, institutions can create lasting connections.</li><li>Embracing Open Banking Models: Particularly in regions such as the European Union, the adoption of open banking has ushered in an era of innovation. By partnering with fintech companies, banks can expand their service offerings and provide customers with a diverse array of financial solutions. This collaborative approach not only enhances the customer experience but also positions banks at the forefront of modern banking trends.</li></ul>By incorporating these strategies, banks can effectively reduce attrition and build lasting relationships with their customers, ensuring long-term success in a competitive landscape.<h2 class="heading-node" id="udk4i8wig" style="text-align: justify">The Future of Retention</h2>As the financial landscape continues to evolve, the importance of data-driven strategies in credit card retention cannot be overstated. The future for banks and financial institutions lies in harnessing the power of data analytics to not only understand their customers better but to anticipate and fulfill their needs with unparalleled precision.The future of credit card retention is poised to be defined by those who embrace data as an invaluable asset. As we move forward, the organizations that can adapt to change and leverage insights to forge meaningful customer relationships will rise above the rest, ensuring their place in an increasingly data-driven world.Attrition may be a growing problem, but by adopting data-driven strategies and leveraging tools like M2P’s Attrition Predictor-Powered Credit Card Stack, banks can transform customer retention from a challenge into a strategic opportunity for growth and success.Ready to discover more? <a class="link" href="https://m2pfintech.com/contact-us/?activeKey=1">Schedule a call</a> with us today.<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://m2pfintech.com/newsletter/" target="_blank" rel="noreferrer noopener">Subscribe</a>&nbsp;to our newsletter and get the latest fintech news, views, and insights, directly to your inbox.Follow us on&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://www.linkedin.com/company/m2pfintech/mycompany/" target="_blank" rel="noreferrer noopener">LinkedIn</a>&nbsp;and&nbsp;<a class="link fui-Link ___1idfs5o f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1hu3pq6 f11qmguv f19f4twv f1tyq0we f1g0x7ka fhxju0i f1qch9an f1cnd47f fqv5qza f1vmzxwi f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh ftqa4ok f2hkw1w fhgqx19 f1olyrje f1p93eir f1h8hb77 f1x7u7e9 f10aw75t fsle3fq f17ae5zn" href="https://twitter.com/m2pfintech" target="_blank" rel="noreferrer noopener">Twitter</a>&nbsp;for insightful fintech bytes curated for curious minds like you.

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