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The Long Game

As the big bubble of cryptocurrencies is rapidly deflating in from of our eyes, I can’t stop wondering about the level of naivete and recklessness that is uncovered. My friends and colleagues know the doubts I raised when discussing the alleged omnipotent benefits that the crypto industry could bring to our world. It was even supposed to solve the problems of poverty, whereas by now, it erased the lifetime savings and pensions of many.

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Quantifying Qualitative Information In SME Lending

A major challenge in the risk assessment of SME borrowers is the largely unstructured and of qualitative nature of information. Financial Institutions find it difficult to approach the assessment this information which often includes only rudimentary and un-audited financial statements. Mass market retail loans are easier to evaluate because of the larger share of quantifiable information which can serve as a better input for a quantitative scoring module.

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Loan Application Process — Transparency and Collaboration

This is the fourth article in a series of blog posts in which we introduce the concepts of knowledge-based lending for SME business. In this article, we take a fresh look at the overall lending process in a financial institution focusing on SME loans. In each of the steps

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Monitoring and Early Warning System – Identify Trends before they become Problems

This is the fifth article in a series of blog posts in which we introduce the concepts of knowledge-based lending for SME business. In this article, we introduce the monitoring process and the early Warning System.

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Innovative Tools — Quantify qualitative Information, use the available Knowledge

This is the sixth article in a series of blog posts in which we introduce the concepts of knowledge-based lending for SME business. In this article, we present several innovative tools provided through Q-Lana Those tools will simplify the information collection process and take advantage of the ability to analyze and benchmark information on the spot.

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