Your core banking system isn’t your loan management system. Here’s the difference
If you have spent any meaningful amount of time in lending, you have likely heard someone ask the question, “Can’t our core banking system handle loans too?” On the surface, it seems like a fair point. Loans are essentially account balances. When a customer takes out a loan, the system records the disbursed amount as […]
Where to get loans in Kenya without collateral
This article explains how Kenya’s unsecured lending system works, what qualifies you for these loans, and how to choose lenders who value your stability, because getting a loan without collateral should make life easier and not more complicated.
Why Nigerian banks will never win the consumer credit game
Nigerian banks have never been equipped to win the consumer credit game. Their rigid lending practices, heavy collateral requirements, and deep-rooted aversion to retail risk keep everyday borrowers locked out. Fintechs are filling the gap with faster, more flexible solutions, while banks remain stuck in outdated models. Now that we know how important consumer credit is and why it matters, why are banks so ill-qualified to solve the problem?