IFIS Japan Ltd.

Hello there! 👋 Happy new month, and welcome to July! We’ve officially entered a new month, a new quarter, and the second half of the year. It’s the perfect time to reflect on how far you’ve come, refocus on your goals, and set the pace for the months ahead. Whether the last quarter was fast-paced […]

As digital lending grows, so do concerns around how borrower data is collected, stored, and used. For many loan apps, navigating data privacy laws can feel complex, especially with evolving regulations across different markets. From consent and data sharing to security and compliance, lenders often face recurring questions about what is required and what best practice looks like. Addressing these concerns clearly is essential not just for regulatory compliance, but for building borrower trust in an increasingly data-driven lending environment.

Many lenders blame late payments on “bad borrowers,” but the real problem is often hidden in the data they overlook. This article explains why your default rate is higher than it should be and highlights five powerful data points, often ignored by lenders that can dramatically improve underwriting accuracy, borrower monitoring, and repayment performance.