Karza is now Perfios

What does it take to scale MSME lending in a market where contracts still need wet signatures and not every borrower has collateral to pledge? In the latest episode of #Fintraction, Garima Kaul, Head of Communications at Perfios, sits down with John David Yap, EVP & Segment Head of Business Banking at Security Bank Philippines. A few things that stood out: - Cash flow is redefining how MSMEs are assessed. Security Bank is advancing unsecured lending by underwriting on transaction data alongside traditional credit measures. - Fraud prevention still needs a hybrid approach. Machine learning flags the high-confidence cases, but field checks matter when digital ID infrastructure is still catching up. The real gap isn't technology; it's adoption. E-signature laws exist. National IDs are rolling out. Someone just has to be willing to go first. JD also shares how Perfios has helped Security Bank automate bank statement analysis, catch fraud earlier, and speed up loan processing. #Perfios #MSMELending #Fintech #Philippines #BankingInnovation

What does it take to scale MSME lending in a market where contracts still need wet signatures and not every borrower has collateral to pledge? In the latest episode of #Fintraction, Garima Kaul, Head of Communications at Perfios, sits down with John David Yap, EVP & Segment Head of Business Banking at Security Bank Philippines. A few things that stood out: - Cash flow is redefining how MSMEs are assessed. Security Bank is advancing unsecured lending by underwriting on transaction data alongside traditional credit measures. - Fraud prevention still needs a hybrid approach. Machine learning flags the high-confidence cases, but field checks matter when digital ID infrastructure is still catching up. The real gap isn't technology; it's adoption. E-signature laws exist. National IDs are rolling out. Someone just has to be willing to go first. JD also shares how Perfios has helped Security Bank automate bank statement analysis, catch fraud earlier, and speed up loan processing. #Perfios #MSMELending #Fintech #Philippines #BankingInnovation

What happens when a banking mind looks at healthcare? At our exclusive Inner Circle roundtable, an invite-only gathering of top hospital leaders, we caught up with Mr. A. Xavier P, DGM at Bethany Hospitals, for a quick interview right after the event. Having transitioned from banking to healthcare, Xavier brings a perspective that is refreshingly different, one that challenges how we think about customer experience and technology in this space. Here is a glimpse of what we explored: 🌍 India vs The World - Where does the end customer experience in Indian healthcare stand in comparison to global standards, and what is that one thing that makes the biggest difference. 📋 Bridging the Policy Awareness Gap - How technology can help patients truly understand the policies they sign up for. 🏥 Learning From Global Healthcare Flows - A comparison of how healthcare systems function across countries and what India can take forward. ✨ The Inner Circle Experience - What it felt like to be part of this exclusive gathering of healthcare leaders. At IHX - A Perfios Company, we believe that meaningful healthcare transformation happens when leaders across the ecosystem come together to exchange ideas and collaborate on solving real challenges. If you are a leader in the healthcare space, this one is worth your time. 👇 #TeamIHX #InnerCircle

India’s MSME sector is brimming with potential, but access to credit remains a major roadblock. In our latest episode, Sneha Jain sits down with Dheeraj Mittal, COO at Hiranandani Financial Services, to unpack the reality of India’s MSME credit gap, where only 15–20% of businesses have access to formal financing. With over 25 years of experience, Dheeraj shares deep insights into how lenders are bridging this gap, especially for first-time borrowers with no credit history. The discussion explores how trust and technology must work together, combining digital innovation, AI, and strong on-ground relationships. 🔍 Key takeaways: • Why most MSMEs still struggle to access credit • How digital transformation is reshaping lending • Why physical customer relationships still matter • The role of AI and alternative data in credit decisions • Embedded lending vs. supply chain finance • What the future holds for MSME financing in India As India’s entrepreneurial ecosystem grows, solving the credit access challenge will be key to unlocking MSME potential. 👍Like, share, and follow Perfios for more insights on finance, innovation, and the evolving business landscape. #MSME #Finance #DigitalLending #Fintech #India #BusinessGrowth