https://www.finsora.eu/blog/Practical articles on lending software, credit risk, regulation, automation and growth for lenders.enhttps://www.finsora.eu/blog/open-banking-credit-scoring-thin-file-borrowers/https://www.finsora.eu/blog/open-banking-credit-scoring-thin-file-borrowers/Thu, 29 Oct 2026 09:00:00 +0200Andrius StitilisOpen banking lets a lender, with the customer's consent, read bank account transactions and use them to verify income, recurring expenses and existing debts. For **thin-file borrowers** with little credit history, this data can make an assessment possible and more accurate – provided the process is consent-based, explainable and documented.https://www.finsora.eu/blog/how-to-choose-loan-management-software/https://www.finsora.eu/blog/how-to-choose-loan-management-software/Mon, 26 Oct 2026 09:00:00 +0200Andrius StitilisThe right loan management software is the one that fits your products today and lets you change them tomorrow without a development project. Evaluate flexibility, automation, integrations, compliance records, security, reporting and migration, test the system with your real loan products and calculate the total cost of ownership, not only the licence.https://www.finsora.eu/blog/ccd2-consumer-credit-directive-for-lenders/https://www.finsora.eu/blog/ccd2-consumer-credit-directive-for-lenders/Fri, 23 Oct 2026 09:00:00 +0300Andrius StitilisThe revised Consumer Credit Directive, Directive (EU) 2023/2225 or **CCD2**, applies from 20 November 2026. It widens the scope to many small loans and BNPL products, tightens creditworthiness assessment, changes disclosures and advertising and adds rules on forbearance. Lenders should review products, documents, decision records and marketing now, and make sure their lending software can prove what was done for every loan.