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Prestatech Blog

143 Results

English The Top 10 Questions Regulators Ask When a Credit Decision Goes Wrong

23 January 2026

English The Top 10 Assumptions About Credit Risk That Don’t Hold Anymore

05 February 2026

English Why CCD2 Changes Affordability From a Check to a Continuous Obligation

02 February 2026

English Prestatech Named Among CNBC’s 2025 World’s Top Fintech Companies

01 August 2025

English The Black Box Problem Isn’t AI, It’s Confidence Without Understanding

13 February 2026

English Building Resilient Fintech Systems: Navigating Market and Regulatory Challenges

29 January 2025

#Fintech #Markets

English Bank Statement Uploads vs. Open Banking: A Practical Comparison for Lenders

10 February 2026

#Finance #Technology

English Operational Resilience Isn’t a Crisis Plan, It’s a Daily Discipline

29 January 2026

#Technology #Fintech

English Why Cashflow Tells a More Accurate Credit Story Than Traditional Scores

13 January 2026

#Fintech #Finance

English How Real-Time Financial Data Supports Compliance Without Slowing Down Lending

13 February 2026

#Finance #Fintech

English How Manual Credit Processes Quietly Destroy Margins

19 January 2026

English Why Credit Bureau Data Alone No Longer Reflects Real Borrower Risk

15 January 2026

#Finance #Fintech

English Why Digital Credit Journeys Break Under Volume, Not Complexity

05 February 2026

English What One-Click Purchases and One-Click Credit Have in Common

29 January 2026

#Technology #Fintech

English Common Automation Pitfalls in Lending and How to Avoid Them

20 January 2026

#Fintech #Finance

English Turning Portfolio Monitoring into a Strategic Risk Advantage

17 February 2026

English The Hidden Risk of “Seamless” Credit Journeys

19 February 2026

English Scaling SME Lending Without Increasing Risk Exposure

16 January 2026

#Finance #Fintech

English How Continuous Monitoring Improves Portfolio Risk Management

04 February 2026

#Finance #Fintech

English Instant Lending Isn’t Reckless. Guessing Is

19 February 2026

English Behavioral Signals in Credit Risk: What Transaction Data Reveals That Scores Don’t

30 January 2026

English When Clean Data Creates False Confidence

10 February 2026

English How Economic Volatility Is Forcing a Rethink of Credit Decision Models

21 January 2026

English Real Time Cashflow Analysis as the Foundation for Responsible Lending

03 February 2026

English Cognitive Biases in Financial Decision-Making: How Fintech Solutions Can Help

15 January 2025

English Scaling Credit Operations Without Scaling Headcount

16 January 2026

#Finance #Fintech

English Why “Clean Data” Is Often More Dangerous Than Obviously Bad Data

22 January 2026

#Fintech #Finance #Technology

English Why “Invisible Credit” Creates Very Visible Losses Later

13 February 2026

English When Core Banking, LOS, and Analytics Disagree. Who Does Risk Believe?

23 January 2026

English From Monthly Reviews to Continuous Monitoring: Rethinking Portfolio Oversight

17 February 2026

English When Regulation Becomes Real-Time: How Supervisors Are Catching Up with Data

09 February 2026

English Integration Isn’t About Connecting Systems. It’s About Aligning Decisions

19 February 2026

English Why Most Financial Stress Shows Up in Behavior Long Before Missed Payments

11 February 2026

English What Credit Intelligence Really Means and Why It Is More Than Just Better Scoring

19 January 2026

#Finance #Fintech

English Embedded Credit Doesn’t Reduce Risk, It Just Moves It Somewhere Harder to See

29 January 2026

#Finance #Fintech

English When On-Time Payments Hide Financial Stress

12 February 2026

English Auditability in Credit Decisions: From Manual Evidence to Data-Driven Proof

26 January 2026

English Why Most Stress Tests Miss the First Thing That Breaks: Operations

19 February 2026

English How CCD2 Turns Cashflow Into a Compliance Requirement

10 February 2026

English Why the Future of Risk Management Is Continuous, Not Predictive

22 January 2026

#Finance #Fintech

English Why Risk Teams Will Spend Less Time Scoring and More Time Interpreting Signals

12 February 2026

English Why Traditional Credit Models Struggle with SMEs and Self-Employed Borrowers

23 January 2026

English Model Drift Is Often a Data Problem, Not a Modeling Problem

05 February 2026

English Don't be left holding the bag: Anticipating Recovery Risks in a Shifting Economy

16 October 2025

#Finance #Markets

12 February 2026

English Why Affordability Has Become the Central Pillar of Modern Lending Regulation

12 February 2026

English Why Most Credit Models Fail Long Before Their Performance Metrics Do

12 February 2026

English Most Credit Fraud Isn’t Clever. It’s Just Never Checked

18 February 2026

English Designing a Resilient Data Access Layer Beyond PSD2

11 February 2026

English Seasonality, Volatility, and Irregular Income: Rethinking SME Risk Assessment

16 February 2026

English The Top 10 Manual Steps That Break at Scale (and Always Do)

29 January 2026

English From Bank Statements to Actionable Insights: Turning Raw Transactions into Credit Signals

03 February 2026

English Detecting Manipulated and Fraudulent Documents at Scale

14 January 2026

#Finance #Fintech

English Why Model Governance Fails When Data Ownership Is Unclear

11 February 2026

English Improving Conversion Rates When Open Banking Fails

11 February 2026

English How Modern Technologies Detect and Prevent Credit Fraud

27 November 2024

#Technology #Finance

English What BNPL, Marketplaces, and Platforms Get Wrong About Credit Risk

27 January 2026

#Fintech #Finance

English Why Most Credit Stacks Look Integrated. Until Something Goes Wrong

16 February 2026

English From Pre Approval to Early Warning: Closing the Risk Visibility Gap

04 February 2026

English Spending Patterns Lie Less Than Financial Statements

26 January 2026

English The Top 10 Data Gaps That Break Credit Monitoring

28 January 2026

#Technology #Finance

English How Cashflow Analysis Reveals the True Financial Health of SMEs

16 February 2026

English Why Good Credit Models Still Produce Bad Decisions

28 January 2026

#Finance #Technology

English CCD2 Auditability: What Regulators Will Ask When a Credit Decision Fails

18 February 2026

English Why Credit Losses Often Surprise Even Experienced Teams

19 January 2026

English How Automated Document Validation Improves Compliance and Audit Readiness

06 February 2026

English Improving Credit Decisions for Thin-File and Underbanked Borrowers with Alternative Data

09 February 2026

English Why Portfolio Risk Management Needs to Move from Reactive to Predictive

17 February 2026

English How Cashflow Volatility Predicts Trouble Earlier Than Scores

11 February 2026

English The Next Credit Crisis Won’t Look Like the Last One and That’s the Problem

29 January 2026

#Finance #Markets

English The CCD2 Risk: When a Compliant Decision Becomes Non-Compliant Over Time

18 February 2026

English Embedded Credit Scales Faster Than Risk Visibility

22 January 2025

English What SVB Taught the Market About Delayed Risk Signals

22 January 2025

English Integrating Document Automation into Existing Credit Workflows

06 February 2026

#Finance #Technology

English When Clients Are Closer Than They Look

04 November 2025

English Why Credit Risk Rarely Comes from the Place You’re Monitoring

28 January 2026

#Technology #Finance

English The Top 10 Signals Risk Teams Notice Too Late

07 February 2026

English Why Credit Processes That Work in Calm Markets Fail in Volatile Ones

20 February 2026

English Why Credit Architecture Diagrams Lie

13 February 2026

English Why Most Credit Losses Start as Data Problems

06 February 2026

English Why Traditional Credit Scores Are No Longer Enough for Modern Lending

12 January 2026

#Finance #Fintech

English CCD2 Explained: What Risk and Credit Teams Need to Prepare for Now

12 February 2026

English Why Cost Reduction and Risk Reduction Are the Same Problem

20 February 2026

English Underlying Liquidity: Becoming a Cash Flow Detective

16 October 2025

English Where Open Banking Falls Short in Real Credit Journeys

10 February 2026

English Static Scoring vs. Continuous Credit Assessment: A New Paradigm for Risk Teams

19 January 2026

#Fintech #Finance

English The Top 10 Behavioral Signals That Indicate Financial Instability

26 January 2026

English How Transaction Data Reveals Financial Stability in SMEs and Self-Employed Borrowers

19 January 2026

English OCR in Banking: Automation, Efficiency and Fraud Prevention

04 December 2024

#Technology #Finance

English Affordability vs. Creditworthiness: Why Risk Teams Need to Separate the Two

20 January 2026

#Fintech #Finance

English The Real Cost of Exceptions in Credit Operations

11 February 2026

English Why Affordability Checks Fail in Volatile Markets

27 January 2026

English Why Manual Affordability Checks Don’t Scale Under CCD2

12 February 2026

English Why Hiring More People Is the Most Expensive Way to Scale Credit Operations

20 February 2026

English From Document Review to Straight Through Processing: What Automation Really Means

21 January 2026

English Why CCD2 Forces Lenders to Rethink Income Verification

29 January 2026

English The Top 10 Places Embedded Credit Journeys Break Without Anyone Noticing

12 February 2026

English The Hidden Cost of Batch-Based Credit Architectures

17 February 2026

English SME Lending in Focus: How Banks Can Better Serve Small Businesses

08 January 2025

#Finance #Markets

English Why Explainability Matters More After Approval Than at Decision Time

13 February 2026

English CCD2 and Continuous Monitoring: Why Approval Is No Longer the End

28 January 2026

#Markets #Finance

English Why Stability Is Often Misread as Health

21 January 2026

English The Credit Decisions That Look Safe Until They Suddenly Aren’t

11 February 2026

English Assessing Affordability for Self-Employed Borrowers in a Responsible Way

16 February 2026

English The Top 10 Early Signals That Appear Before Liquidity Stress

22 January 2025

English Why Risk Assessment Should Not Stop at Loan Origination

12 January 2026

#Finance #Fintech

English Why Germany Lags Behind in Digitalizing the Credit Industry

11 December 2024

#Markets #Finance

05 February 2026

English CCD2 and the End of “Snapshot” Credit Decisions

05 February 2026

English From OCR to Document Intelligence: What Modern Automation Really Looks Like

30 January 2026

English From Time to Yes to Time to Risk: How Real Time Data Is Changing Credit Decisions

13 January 2026

#Fintech #Finance

English The Rise of “Legitimate-Looking” Fraud in Digital Lending

18 February 2026

English The Top 10 Ways Credit System Integrations Quietly Break at Scale

22 January 2026

#Finance #Technology

English The Danger of Treating All Irregular Behavior as Risk

12 February 2026

English Why Friction Disappears Right Before Risk Appears

22 January 2026

#Finance #Fintech

English Why Credit Decisions Should Not End at Approval

22 January 2025

English The Top 10 Signals That Appear Before Credit Operations Break Under Stress

27 January 2026

English Why Fraud Rarely Looks Like Fraud at First

12 February 2026

English Turning Compliance from a Cost Center into a Risk-Control Advantage

13 February 2026

#Technology #Markets

English How Automation Reduces Time to Yes Without Increasing Risk

21 January 2026

English When Fraud Signals Look Like Normal Behavior. Until It’s Too Late

27 January 2026

English The Top 10 Risk Signals Embedded Finance Rarely Sees in Time

03 February 2026

English Why Manual Document Review Is One of the Biggest Bottlenecks in Credit Operations

05 February 2026

English What Banks Can Learn from How Other Systems Handle Stress

06 February 2026

English Why People Keep Paying, Even When They’re Already in Trouble

12 February 2026

English Garbage In Doesn’t Crash Models, It Slowly Makes Them Lie

26 January 2026

#Fintech #Technology

English The Top 10 Data Quality Issues That Quietly Destroy Credit Model Performance

27 January 2026

English PSD2 Is Not a Credit Data Strategy: Why Lenders Need More Than Open Banking

15 January 2026

#Finance #Markets

English How Early Warning Systems Reduce Defaults Without Increasing Operational Load

23 January 2026

#Technology #Fintech

English From Alternative to Essential: How Bank Transaction Data Complements Credit Bureaus

09 February 2026

#Fintech #Finance

English Scaling Credit Isn’t About Speed. It’s About Removing Rework

30 January 2026

English Fast Decisions Fail When They’re Based on the Wrong Signals

19 February 2026

English The Top 10 Things That Quietly Drive Up Cost per Loan

22 January 2026

English The Top 10 Risk Signals Lenders Will Care About in Five Years (That Many Ignore Today)

20 February 2026

English From Reactive Collections to Proactive Risk Remediation

05 February 2026

English Why Manual Credit Processes Don’t Scale in Modern Lending

14 January 2026

#Fintech #Finance

English Why CCD2 Makes Explainability a Risk Issue, Not a Legal One

18 February 2026

English Garbage In, Default Out: How Data Quality Quietly Destroys Credit Decisions

18 February 2026

English Linking Origination Data with Post Disbursement Monitoring

20 January 2026

#Fintech #Markets

English The Top 10 Reasons Early Warning Systems Are Ignored

19 January 2026

English How to Integrate Alternative Data into Existing Risk Models and Decision Frameworks

30 January 2026

English Why Speed Isn’t the Enemy of Good Credit Decisions

28 January 2026

#Finance #Technology

English CCD2 Readiness Is About Data, Not Documentation

28 January 2026