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Payments & Settlements

4 posts tagged with "Payments & Settlements"

Dec 25, 2025 • Operations & Finance • 3 min read

Reconciling at Scale: Why Manual Bank Matching Breaks for Digital NBFCs

By Krishnakumar P

High-volume NBFCs don’t struggle with reconciliation because of effort—they struggle because legacy tools can’t model modern payment flows. Learn how Encore Lend automates complex settlements with governed, auditable matching.

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.

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.

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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