2022年12月22日

M2P Fintech、一個API基礎設施公司,宣布與格子呢的夥伴關係,工資和工作平台API連接公司成為印度的首開先河的球員提供consent-driven數據用戶的當前收入和就業的工資API來貸款。通過這種合作,合作銀行和nbfc將獲得完全加密的,全麵的數據直接從工資單係統自動化收入和就業驗證從而使貸款人向“挪威通訊社”星期六報導的客戶提供即時,創新,和定製的貸款產品。通過格子呢,一旦驗證和合格標準迅速確定,合作銀行和nbfc可以利用M2P Fintech核心貸款堆棧(CLS),無縫地集成了RegTech LendTech和BankTech功能從新員工培訓提供定製的貸款解決方案集合。使用CLS M2P夥伴機構可以立即核實工資數據發布“挪威通訊社”星期六報導客戶的信用額度,可以現在購買支付後線的形式或信用卡或個人貸款,無需手動輸入,驗證或驗證客戶信息使其完全數字化,實時,直通過程從而顯著提高客戶體驗。Madhusudanan R,聯合創始人M2P fintech評論說,“盡管consent-driven工資API是一個相對較新的驗證支付能力的方法。格子呢的工資API,通過提供這種能力,允許承銷旅程無縫。這加上聚合器框架可以使整個貸款發放過程無紙化和實時,一個關鍵核心貸款棧的宗旨,我們上個月推出,是銀行間巨大的響應和nbfc見證。“印度領薪水的人口約7700萬(12月21日CMIE統計),其中60%居住在城市地區。85%的信用卡發行是領薪水的人。收入和就業數據的支柱為貸款和信用卡風險評估,盡管他們的確認和驗證仍然手動執行。在當前情況下,評估客戶的工資和就業信息通常需要24至72小時。 This is a considerable waiting period for NTB customers, the majority of whom fall in the millennials or Generation Z segment who want everything instantaneously and at their fingertips. “Verifications by and large have been a manual, inefficient, and error-prone procedure susceptible to human error and frauds. By allowing individuals to connect their HRMS account to our API, we can validate income and employment data from their employer in less than a minute. We are delighted to partner with M2P Fintech which we feel is the ideal partner to help us use organized, standardized & user-permission data to benefit our combined user base. We look forward to collaborating with them to tailor more solutions as we pursue our social purpose-driven mission, which is to provide access to financial services and products for millions of working people in India and throughout the world so they may be financially stable and live a happy life.” said Pramey Jain, Co-founder and CEO, Tartan. Share this article: