In an article written by Penny Crossman (Editor in Chief of Bank Technology News and Technology Editor of American Banker), explains how with increasing number of loans and NPA's banks are evolving their technological infrastructure to not only check on defaulted loans but also on individual loans. Stress tests are being employed by banks world over to keep a tab on their loans and overall loan processes. Stress tests requires synchronized data from financial information, loan loss data and compliance data. Data management is one of the core issues to be handled for performing a stress test.

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