Engineering & Architecture

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.

Jun 1, 2025 • Engineering & Architecture • 3 min read

Why Your BI Reports Don’t Match Your LMS (And What to Do About It)

By Srinivas Thonse

It’s the 5th of the month. Your BI dashboard says NPA is 2.3%, while Operations sees 2.1% in the LMS. No one is wrong. We explain why snapshot-based reporting breaks in lending systems—and how to restore data integrity.