Encore360 Blog

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

Aug 17, 2025 • Compliance & Regulatory • 4 min read

Beyond the PDF: Why the New KFS Mandate Is a Data Problem

By Srinivas Thonse

The RBI’s expanded KFS mandate is not about generating another document. It is a computational challenge that exposes weaknesses in legacy LMS design. Learn why accurate APR disclosure requires real-time cash flow math—and how Encore Lend solves it by design.

Aug 8, 2025 • Operations & Finance • 3 min read

Using WhatsApp to Reduce Loan Delinquency: 5 Practices That Actually Work

By Krishnakumar P

Cold calling alone no longer scales for collections. Learn how NBFCs are using WhatsApp—responsibly and compliantly—to improve contact rates, reduce delinquency, and lower operational cost.

Jul 30, 2025 • Engineering & Architecture • 4 min read

The Difference Between a Spreadsheet and a Ledger

By Krishnakumar P

Digital lending moves fast, but money still needs discipline. We explain why spreadsheet-style accounting breaks at scale—and why Encore Lend relies on double-entry ledgers for correctness, auditability, and control.

Jul 15, 2025 • Operations & Finance • 3 min read

Beyond the Big Bang: A Controlled Strategy for Migrating Your Loan Book

By Ridhuvarshini M

Legacy LMS migrations don’t fail because teams lack intent — they fail because the process is opaque. We outline a controlled, validation-first migration strategy that lets lenders modernize without halting disbursements or collections.

Jul 1, 2025 • Engineering & Architecture • 4 min read

Stop Polling: Why Modern Lending Stacks Must Be Event-Driven

By Krishnakumar P

It’s the 5th of the month. Your BI dashboard shows NPA at 2.3%, Operations shows 2.1%. Nothing is broken — yet. We explain why polling-based integrations fail at scale and how an event-driven LMS keeps lending systems in sync.

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