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The Brexit Conundrum: Implications and Repercussions on Corporate ...

As Europe’s premier international financial center, the UK leads in most financial services areas. Around 35% of the EU wholesale financial services activity takes place in London and the country’s financial services industry attracts more FDI than any other sector (35%). Its share of the financial markets in the EU is as follows: However, as a result of read more...

Housing Finance – Keeping pace with changing customer face

40 years ago, the average first-time home buyer in India was in his late 50’s. This is because, as part of retirement planning, the person was using his savings and provident fund money to buy a house. It was considered to be an integral part of ‘after retirement’ planning. More recently, things have changed and today, the average home buyer is in his 30’s, read more...

The path to profitable growth in retail lending

Despite a significant recovery from the global financial crisis, the retail banking industry is witnessing significant pressure on margins due to stringent regulations, changing customer behavior and increasing competitive threat from Fintechs.   A recent McKinsey study predicted that profit growth of Asia-Pacific lenders may slow to below 4% annually read more...

Risk-based pricing of loans in India: the shape of things to come?

Recently, a leading Indian Bank announced plans to price retail loans based on consumers’ credit scores. This means that loan seekers with strong financials and a good loan repayment track record should get loans at lower rates.   While common in other parts of the world, and common in corporate lending the move is innovative for retail lending in India. read more...

Time is money, but when it comes to banks, whose time and whose money?

‘Time is money’ – an oft-repeated phrase. However, when it comes to financial services it seems to have a different meaning, in fact it could be changed to ‘money takes time’ and usually a long time. Historically there were good reasons for this – people needed to be ‘careful with money’ and taking care takes time.   But the world has moved read more...

Low oil prices: High time for a transformation in lending

In August 2005 the price of crude oil was around $80 a barrel. By June 2008 it was over $150, and barring a short period in 2009, it traded consistently above $80 for nearly a decade. In 2014, who would have predicted that it would crash to below $30 and settle around $50? So, is $50 the new normal? Opinions vary but no one can be certain. What is certain is that the read more...

Supercharging Receivables Management

The global economy can be characterised by one word – volatile. Barely a day goes by without conflicting news stories emerging of tremendous growth or anticipating disaster ahead. Considering these global cues, the IMF has reduced its 2020 forecast for global GDP growth by 6%. When this volatility is combined with the lingering effects of the global financial read more...

About Nucleus

At Nucleus Software we are committed to providing efficient, modern yet proven software solutions for the global Banking and Financial Service industry. We have been pioneers in developing Retail Banking Software, Corporate Banking Solutions, Transaction Banking, Cash Management and Internet Banking Software since 1986. Our success spreads across more than 50 countries, and we serve our customers globally through our direct and partner operations across US, Europe, Asia-Pacific, Africa and the Middle East. We are known for our world-class expertise and innovation in lending and transaction banking technology. Our two flagship products, built on the latest technology are: FinnOne™ and FinnAxia™.