Irrespective of the life-stage of their lending ecosystem, they can significantly leapfrog their current state to significantly upgrade the efficiency of their loan processing system for retail and small business loans, as well as innovate on an ongoing basis.
Build proprietary digital credit gateway hubs on top of their core business (viz. digital payments) and other data to offer innovative lending products (viz. flow-based finance). This will enable friction-less, structured access to formal credit, and an enhanced value proposition for their clients.
Set up multi-lender loan sourcing hubs and build an enhanced credit profile of their customer leveraging proprietary and other data basis their domain expertise, to offer wider choice to their end-customers.