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System Architecture

7 posts tagged with "System Architecture"

Scaling Without Fragility: Encore Lend’s Support for CockroachDB
• 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.

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The Always-On Economy: Why BNPL Needs an EOD-Less LMS
• 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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Beyond the PDF: Why the New KFS Mandate Is a Data Problem
• 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.

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The Difference Between a Spreadsheet and a Ledger
• 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.

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