Actually, I don’t think building the software to evaluate credit risk is not the most but using it to actually assess and stick strictly to the parameters is the moat – execution is the moat. No matter how strong a system/process is if the branch managers, credit risk officers are slack and don’t implement it while sanctioning loans, it will backfire. Since Gruh had already had a bad experience in 2000s, once bitten twice shy.
The other companies, not sure if can execute as well as Gruh and here lies the moat, in my opinion!
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