Real-time credit decisioning, onboarding, identity and risk across New Zealand, Australia and South-East Asia.https://credisense.com/en-nzhttps://credisense.com/news/singapore-shared-responsibility-framework-real-time-fraud-decisioning/https://credisense.com/news/singapore-shared-responsibility-framework-real-time-fraud-decisioning/Singapore's SRF shifts scam-loss liability onto institutions that fail their duties and obliges banks to hold high-velocity outflows. That reframes fraud as a real-time decisioning challenge.Sun, 31 May 2026 00:00:00 GMTInternationalCredisensehttps://credisense.com/news/cccfa-transfers-to-the-fma-what-it-means-for-nz-lenders/https://credisense.com/news/cccfa-transfers-to-the-fma-what-it-means-for-nz-lenders/Consumer credit regulation under the CCCFA is scheduled to move from the Commerce Commission to the FMA, folding lending into a single conduct regime. Here is what changes operationally.Wed, 27 May 2026 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/australia-late-payments-six-year-high/https://credisense.com/news/australia-late-payments-six-year-high/Australian B2B late payments are at their highest level in six years, with more invoices sliding past 60 days overdue. Ageing creep is now the clearest leading indicator of trade-credit failure, and a trigger to review limits and terms before the default arrives.Tue, 26 May 2026 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/australias-aml-ctf-tranche-2-the-onboarding-identity-bar-rises/https://credisense.com/news/australias-aml-ctf-tranche-2-the-onboarding-identity-bar-rises/Australia's AML/CTF Tranche 2 obligations are commencing, and the standard for customer verification is shifting from 'we checked a recognised source' to defensible, risk-based identity.Wed, 20 May 2026 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/nz-liquidations-high-credit-defaults-falling/https://credisense.com/news/nz-liquidations-high-credit-defaults-falling/New Zealand company liquidations recorded their worst March since 2015 even as business credit defaults eased about 16 per cent year on year. The divergence points credit teams towards sector-tiered scrutiny rather than blanket tightening.Fri, 08 May 2026 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/indonesia-ojk-bnpl-regulation-32-2025/https://credisense.com/news/indonesia-ojk-bnpl-regulation-32-2025/Indonesia's OJK Regulation 32/2025, effective 15 December 2025, moves Buy Now Pay Later from a lightly governed growth product to a regulated one, a clear signal of where South-East Asian digital-lending regulation is heading.Tue, 16 Dec 2025 00:00:00 GMTInternationalCredisensehttps://credisense.com/news/rbnz-lvr-easing-and-the-shift-to-dti/https://credisense.com/news/rbnz-lvr-easing-and-the-shift-to-dti/The RBNZ loosened LVR caps from 1 December 2025 because debt-to-income limits now backstop high-risk lending. For lenders, the binding constraint has shifted from deposit size to income serviceability, with real consequences for credit policy.Wed, 03 Dec 2025 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/expertise-tools-enabling-better-outcomes/https://credisense.com/news/expertise-tools-enabling-better-outcomes/There is an adage, “If you think it’s expensive to hire a professional to do the job, wait until you hire an amateur.” Pretty simple concept to grasp and can be applied to just about any part of life. Surgery, high-rise construction, or buying a house, what it all boils down to getting sound advice…Tue, 27 Jun 2023 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/financial-hardship-and-lender-policies-in-the-digital-age/https://credisense.com/news/financial-hardship-and-lender-policies-in-the-digital-age/Consider this. The modern consumer model in recent times has been moulded and championed by suppliers of goods and services who can work with customers on their terms. Ethics, environmental sustainability, marketing and customer interaction all need a targeted approach to secure business. TelecommunMon, 13 Mar 2023 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/credisense-and-mambu-collaborate-to-offer-apac-lenders-a-next-generation-end-to-end-lending-soluion/https://credisense.com/news/credisense-and-mambu-collaborate-to-offer-apac-lenders-a-next-generation-end-to-end-lending-soluion/SYDNEY, 9 November, 2022: Credisense, a leading no-code origination, workflow and credit decisioning platform, has partnered with cloud-native SaaS banking and financial services platform Mambu, to accelerate the modernisation of lending systems in the Asia Pacific market. The partnership will proviWed, 23 Nov 2022 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/inflation-and-tech-using-technology-to-compete-when-competition-heats-up/https://credisense.com/news/inflation-and-tech-using-technology-to-compete-when-competition-heats-up/The fundamental economic principle of a correlation existing between inflation and interest rates has long been established. In New Zealand, the Reserve Bank (RBNZ) is solely responsible for managing inflation using the OCR as the primary tool to control inflationary pressure on the purchasing powerWed, 23 Nov 2022 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/the-rise-of-the-api-economy/https://credisense.com/news/the-rise-of-the-api-economy/The invention of the wheel, railway networks, internal combustion and the discovery of flight have all been major contributors to economic creation and expansion. However, in the digital age, new tools to develop the economy are not restricted by the confines of physical innovation, instead, only bySun, 09 Oct 2022 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/cccfa-changes-and-unintended-consequences/https://credisense.com/news/cccfa-changes-and-unintended-consequences/Author Robert Louis Stevenson once wrote the “Sooner or later everyone sits down to a banquet of consequences.” It’s a fair observation to make and is applicable to virtually every action (or lack of) taking place in modern life, with the number of courses often determined by lack of forethought or Sun, 19 Jun 2022 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/need-to-know-series-episode-1-cccfa-changing-responsibilities-29-november-2021/https://credisense.com/news/need-to-know-series-episode-1-cccfa-changing-responsibilities-29-november-2021/Thu, 02 Dec 2021 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/how-can-biometric-verification-fast-track-your-customer-origination-process/https://credisense.com/news/how-can-biometric-verification-fast-track-your-customer-origination-process/Automating identity verification using biometrics is one way to speed up your credit decisions and streamline customer onboarding. The reality of customer origination Many businesses, including financial institutions, telcos, utilities, lawyers, accountants, and trade credit providers, operate in a Thu, 28 Oct 2021 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/verify-your-customers-in-a-matter-of-seconds-with-biometric-identification/https://credisense.com/news/verify-your-customers-in-a-matter-of-seconds-with-biometric-identification/Transform customer onboarding with effortless and enjoyable digital experience using electronic biometric verification software. Biometrics: a new normal for customer experience Even before COVID-19, the world was going digital. But the pandemic accelerated the shift more quickly than anyone could hWed, 15 Sep 2021 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/the-future-of-buy-now-pay-later-in-new-zealand/https://credisense.com/news/the-future-of-buy-now-pay-later-in-new-zealand/Regulation and BNPL, what is the future?Tue, 08 Jun 2021 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/the-increasing-use-of-biometric-information-for-identity-verification/https://credisense.com/news/the-increasing-use-of-biometric-information-for-identity-verification/In recent years organisations of all sizes, across most industry sectors have focused on shifting the traditional face to face customer interaction towards a digital customer experience. Businesses and consumers alike have come to expect to a level of simplicity and convenience that comes with the aFri, 16 Apr 2021 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/how-to-remotely-complete-your-customer-due-diligence-requirements/https://credisense.com/news/how-to-remotely-complete-your-customer-due-diligence-requirements/Bypassing the main banks in sending money offshore can be a profitable business. But companies need to be aware that breaches of the increasingly tough enforcement of laws governing international money laundering can result in hefty fines. The head of New Zealand Internal Affairs’ Anti-Money LaunderThu, 17 Dec 2020 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/artificial-intelligences-growing-role-in-credit-risk/https://credisense.com/news/artificial-intelligences-growing-role-in-credit-risk/Artificial Intelligence (AI) and Machine Learning (ML) are playing an increasing role in assessing credit risk. The key questions are, can they solve everything, and will regulators buy into their use in credit management? AI & ML technology could find a plethora of use cases in the BFSI (Banking, fTue, 24 Nov 2020 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/credit-origination-innovations-on-the-rise/https://credisense.com/news/credit-origination-innovations-on-the-rise/Although credit processes can still be manually labour-intensive to originate and execute, the consumer credit process is becoming increasingly user-friendly. Generally, retail credit products are more standardised, while most corporate credit systems still tend to come under the customised or tailoWed, 14 Oct 2020 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/riding-the-no-code-wave-of-credit-automation/https://credisense.com/news/riding-the-no-code-wave-of-credit-automation/When it comes to surviving in our increasingly unpredictable global environment, businesses are looking for set-and-forget engineering platforms to help make credit decisions that ensure clients will pay their bills. They also want to be able to reduce the time they spend pursuing debtors. By some eMon, 14 Sep 2020 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/election-outcome-unlikely-to-impact-credit-demand-in-new-zealand/https://credisense.com/news/election-outcome-unlikely-to-impact-credit-demand-in-new-zealand/New Zealand is not one of the world’s powerhouse economies. Compared to the US, which has begun the countdown to its own elections later this year, the outcome of September’s New Zealand elections will have a relatively small impact in global terms. That said, the New Zealand elections will be closeMon, 10 Aug 2020 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/new-zealand-could-match-sme-opportunities-noted-in-se-asian-digital-financial-services/https://credisense.com/news/new-zealand-could-match-sme-opportunities-noted-in-se-asian-digital-financial-services/A study late last year by Google, Singapore sovereign wealth fund Temasek, and Bain & Company, tracked five key digital financial service verticals in South East Asia: payments, remittance, lending, insurance and investments. Conducted before the ravages of the Covid-19 pandemic, the report (coverinWed, 15 Jul 2020 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/ch-ch-ch-changes-the-new-normal/https://credisense.com/news/ch-ch-ch-changes-the-new-normal/The Covid-19 pandemic is having a transformative impact on the world of credit risk assessment. Leaving to one side the macro view, that we are now in a world in which debt and unemployment levels in almost all major countries are soaring to percentages of GDP not seen since the Great Depression ofWed, 10 Jun 2020 00:00:00 GMTInternationalCredisensehttps://credisense.com/news/how-lenders-can-cope-with-the-new-norms-of-remote-digital-service/https://credisense.com/news/how-lenders-can-cope-with-the-new-norms-of-remote-digital-service/COVID-19 is fast-forwarding the digital transformation of companies around the world. We are seeing appalling personal losses and devastation being created worldwide by the pandemic and its economic impact. But there is no denying it is also acting as a catalyst for change, economic, societal, persWed, 13 May 2020 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/pandemics-and-pandemonium-covid-19s-impact-on-credit/https://credisense.com/news/pandemics-and-pandemonium-covid-19s-impact-on-credit/The recorded impact of major pandemics on economies stretches back to at least medieval times and, serious though the current crisis is, it’s important to keep some perspective about where COVID-19 sits in historical terms. The Black Death, the bubonic plague that raged from approximately 1347-1351,Thu, 09 Apr 2020 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/p2p-lending-what-china-taught-us/https://credisense.com/news/p2p-lending-what-china-taught-us/P2P lending has spread significantly since the pioneering Zopa was conceived in the UK way back in 2005. Connecting investors and lenders to borrowers, whether it’s for personal financing or business financing, sounds like a fabulous idea, cutting out the bureaucratic middle man (almost) and enablSun, 08 Mar 2020 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/the-relationship-between-climate-change-and-credit-scoring/https://credisense.com/news/the-relationship-between-climate-change-and-credit-scoring/Climate change and it’s affect on risk and credit scoring.Thu, 13 Feb 2020 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/cautious-economic-optimism-for-2020/https://credisense.com/news/cautious-economic-optimism-for-2020/Despite the uncertainties of the past year, pundits generally seem to be expecting a global recovery by the second half of 2020. In comments reflecting a general analyst sentiment of cautious optimism, Adrian Zuercher, APAC head of asset allocation at UBS Global Wealth Management’s Chief Investment Wed, 15 Jan 2020 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/will-open-banking-shake-up-the-industry/https://credisense.com/news/will-open-banking-shake-up-the-industry/Will Open Banking revolutionise personal finance?Sun, 24 Nov 2019 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/top-2-decisioning-software-features-that-keep-your-business-agile/https://credisense.com/news/top-2-decisioning-software-features-that-keep-your-business-agile/Overview of the important features in decisioning software can assist companies to be more agile.Mon, 12 Aug 2019 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/chinas-p2p-lending-meltdown-makes-a-great-teaching-moment/https://credisense.com/news/chinas-p2p-lending-meltdown-makes-a-great-teaching-moment/P2P lending has spread significantly since the pioneering Zopa was conceived in the UK way back in 2005. Connecting investors and lenders to borrowers whether it’s for personal financing or business financing sounds like a fabulous idea, cutting out the bureaucratic middle man (almost) and enabling Mon, 17 Jun 2019 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/3-reasons-why-you-shouldnt-replace-credit-managers/https://credisense.com/news/3-reasons-why-you-shouldnt-replace-credit-managers/By automating your business processes, whether it’s in the application process, risk-assessment process or simply driving best practices…Thu, 23 May 2019 00:00:00 GMTIndustry NewsCredisensehttps://credisense.com/news/customer-satisfaction-through-online-loan-orgination/https://credisense.com/news/customer-satisfaction-through-online-loan-orgination/It is crucial for businesses to recognise that the only way to…Thu, 23 May 2019 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/importance-in-the-digital-era/https://credisense.com/news/importance-in-the-digital-era/With growth in the number of people connected online and the…Thu, 23 May 2019 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/it-just-makes-sense/https://credisense.com/news/it-just-makes-sense/Here’s where I’m going to be shameless, not only because it’s true but because I am passionate about sharing how we can improve both how you work but also your customer experience.Thu, 23 May 2019 00:00:00 GMTHow it worksCredisensehttps://credisense.com/news/its-all-about-data-dummy/https://credisense.com/news/its-all-about-data-dummy/Whilst big leaps in data-driven strategic planning have been made in many areas such as marketing and IT, Credit Management is still lagging.Thu, 23 May 2019 00:00:00 GMTData trendsCredisensehttps://credisense.com/news/reduce-risk-and-reap-rewards/https://credisense.com/news/reduce-risk-and-reap-rewards/The risk of exposing one’s business to the dreaded outcome of ‘non-performing loans’ can be tackled by addressing it head on at the very beginning of business engagement.Thu, 23 May 2019 00:00:00 GMTOur ThoughtsCredisensehttps://credisense.com/news/what-is-happening-in-the-world-of-credit/https://credisense.com/news/what-is-happening-in-the-world-of-credit/In 2018, open banking really began hitting its strides with several localities pushing positive regulations in this area to promote innovation and vying to become geographical leaders in this area.Thu, 23 May 2019 00:00:00 GMTData trendsCredisense