Finextra: The answer to the question above is: "...as close to zero as practical!" Full disclosure: we are massive advocates of automation. If you have read our earlier posts in this series, you will know that we believe that automation is the route to profitable, sustainable digital lending businesses. The role of skilled people is to monitor exceptions and take action where fine judgement and delicate handling is required. This blog looks further at automation and what can be achieved with clever technology.

Interestingly, we found some analysis recently that we had prepared back in 2016....

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