Engineering & Architecture

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 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.

Nov 20, 2025 • Strategy & Growth • 4 min read

Shadow Ledger: Why LSPs Need Their Own LMS

By Krishnakumar P

If you’re building a lending business as an LSP, relying entirely on your NBFC partner’s systems limits scale, insight, and control. We explain why a Shadow LMS is essential for performance, analytics, and long-term independence.

Sep 10, 2025 • Operations & Finance • 5 min read

Reversals, Back-Value Dating, and Audit Trails: The Real Test of an NBFC LMS

By Srinivas Thonse

Most LMS platforms fail when corrections are required. We explain why robust Reversals, Back-Value Dating, and Audit Trails are critical for NBFC compliance, IRAC norms, and avoiding the 'Shadow Ledger'.