Notes on underwriting the next billion borrowers.
Field notes, research, and product thinking from the team building credit infrastructure for emerging markets.
ResearchFeatured · 8 min read · Jun 2026
Why vision-language models finally cracked messy financial documents
A research note on what changed in 2025 — and why underwriting in emerging markets is now a software problem.
SK
Sriman Katipally
scanning · GCash1.4s
12/12 fields extracted
Product5 min read · May 2026
Why we never auto-approve a loan
On product principles, hard guarantees, and the editorial guardrail we put in front of every customer.
NC
Nimesh Cheedella
Field notes6 min read · Apr 2026
What a borrower file actually looks like in Manila
Six GCash screenshots, a Meralco bill, and a sari-sari sales ledger walk into an underwriting queue.
NC
Nimesh Cheedella