Encore360 Blog

Insights on enterprise lending, fintech innovation, and digital transformation in the NBFC sector

Jan 1, 2026 • Engineering & Architecture • 4 min read

Scaling Without Fragility: Encore Lend’s Support for CockroachDB

By Krishnakumar P

As lending platforms scale, database limitations become operational risks. Learn how Encore Lend’s support for CockroachDB enables horizontal scale, fault tolerance, and zero-downtime operations for high-growth NBFCs and Small Finance Banks.

Dec 28, 2025 • Engineering & Architecture • 3 min read

Beyond the UI: Governed Data Operations for Agile Lenders

By Ridhuvarshini M

As lending businesses evolve, data models must change safely. We explain how governed data operations allow NBFCs to perform controlled, auditable backend updates without compromising compliance or system integrity.

Dec 25, 2025 • Operations & Finance • 3 min read

Reconciling at Scale: Why Manual Bank Matching Breaks for Digital NBFCs

By Krishnakumar P

High-volume NBFCs don’t struggle with reconciliation because of effort—they struggle because legacy tools can’t model modern payment flows. Learn how Encore Lend automates complex settlements with governed, auditable matching.

Dec 24, 2025 • Compliance & Regulatory • 3 min read

NHB Compliance Alert: Why CDRIHL Is Moving from Excel to APIs

By Ridhuvarshini M

NHB is phasing out Excel uploads for CDRIHL reporting in favour of JSON-based APIs. We explain what changed, why many HFCs will struggle, and how Encore Lend enables compliant, automated reporting at scale.

Dec 5, 2025 • Engineering & Architecture • 3 min read

The Always-On Economy: Why BNPL Needs an EOD-Less LMS

By Srinivas Thonse

BNPL operates in real time, but many lending systems still shut down at midnight. We explain why EOD-based architectures break 24x7 lending—and how an EOD-less LMS keeps repayments, disbursements, and reporting continuously available.

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