Sagar Raj

Explainable AI for Borrowers: How to Force Models to Tell You What They Saw

January 13, 2026

Why Rural & Zip-Code Risk Still Matters and How To Beat Geographic Pricing

January 11, 2026

The Loan Pricing Engine: How Systems Decide If You Pay 9% or 29% Interest

December 29, 2025

How Lenders Detect “Financial Stress Signals” Weeks Before You Even Feel Stressed

December 24, 2025

How Banks Predict If You’ll Switch Jobs Soon (and Deny Your Loan Because of It)

December 15, 2025

How Lenders Use Your EMI-to-Salary Behavior to Predict Loan Commitment Strength

December 12, 2025

How Loan Companies Use Phone Number, Email Age, and Digital Identity to Decide Trustworthiness

December 7, 2025

The “Ideal Borrower Timeline”: Best Days, Weeks, and Months to Apply for Loans

December 5, 2025

Why Your Bank Balance Matters More Than Your Salary in Modern Loan Decisions

December 3, 2025

The Future of Credit Scores: What Will Replace FICO in the Next 5-10 Years?

December 1, 2025