The Research Behind
Device Financing
Risk Management
In-depth frameworks, data, and implementation guides for lenders, telecoms, and fintechs building or scaling device financing portfolios. Written for practitioners, not theorists.
8+
Whitepapers published
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The State of Device Financing Risk in South & Southeast Asia — 2025
A data-driven overview of default rates, collection practices, and enforcement infrastructure across the region's device lending market. Benchmarks drawn from 500,000+ financed devices across India and Bangladesh.
What's actually happening to default rates across the region — and why most lenders don't have a real fix.
This report examines why device financing default rates in South and Southeast Asia are significantly higher than consumer lending averages, what the top-performing portfolios are doing differently, and what the enforcement gap looks like in practice for lenders without device-level controls.
- Regional default rate benchmarks by industry vertical
- Collection cost analysis across manual vs automated operations
- The enforcement gap — what lenders without device controls are missing
- Implementation frameworks for DFRM platform deployment
- Regulatory considerations for device-level enforcement in India & Bangladesh
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Building a Risk Scoring Framework for Device Financing at Origination
How to design a scoring model that uses alternative signals alongside bureau data — covering signal selection, threshold calibration, and how device enforcement changes the risk math.
The Economics of Automated Collections in Device Lending
A detailed cost analysis of automated vs agent-led collection models — unit economics, contact rates, recovery timelines, and the break-even point for automation investment.
The Underbanked Smartphone Financing Opportunity in South Asia
Market sizing and customer segmentation for device financing among thin-file and first-time borrowers — addressable market, risk profile, and enforcement-enabled approval economics.
DFRM Platform Integration — Architecture Patterns and Implementation Timelines
Technical and operational considerations for integrating a device financing risk platform alongside existing LMS, collections, and CRM systems — REST API, Android SDK, and webhook patterns.
Regulatory Landscape for Device-Level Enforcement in India and Bangladesh
What regulators currently require, what is permissible under existing frameworks, and what due diligence looks like for NBFC and fintech lenders deploying device-level enforcement.
Device Fraud in Consumer Lending — Detection Signals and Response Frameworks
How grey-market resale, SIM-swap fraud, and coordinated fraud rings operate in device financing portfolios — and the detection signals that surface before a payment is ever missed.
From Call Centre to Enforcement Engine — Redesigning the Collections Stack
How lending operations teams can restructure collections around automation and device enforcement — headcount implications, workflow redesign, and what the transition looks like in practice.
Telecom Device Financing — NPA Benchmarks and Risk Control Maturity Model
A maturity model for risk control in telecom device financing — from no controls through full DFRM platform deployment — with NPA benchmarks at each stage based on live portfolio data.
Data Minimisation and Audit Trail Requirements for Device Financing Platforms
What data you actually need to run a DFRM platform, how to avoid collecting more than necessary, and what a defensible audit trail looks like when regulators or auditors come asking.
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