In the beginning of the lockdown, human, social worries dominated, which eventually shifted to business and NPAs. Implementing moratorium called not only for tweaking the software but connecting with customers and clarifying their doubts. Interestingly, the regulators during this period, actively and deeply engaged with the stakeholders. They also showed greater agility towards regulations, which encouraged the industry to sail through difficult times. The industry is poised to use early warning systems and predictive analytics to tame delinquencies and control NPAs. All these and more were the outcome of a panel discussion led by Manoj Agarwal of Banking Frontiers with experts in lending space viz. Abhishek Agarwal, CFO at India Home Loans, Avneesh Trivedi, CRO at Moneyboxx Finance, Balaji TK, VP – IT at Orange Retail Finance, Deepak Patkar, CEO – Asset Finance at Magma Fincorp and Vinod P, Director at Speridian.