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Software cost estimation is the process of predicting effort required to develop a software system. This effort may be in terms of number of hours of work or number of workers. Precise effort estimation with a high grade of reliability is an indispensable part of effectively software management. Software project costs include the cost incurred in all the expenses, i.e. the cost of project from initiation, development to test, software management, quality management and contingent rework, etc. The imprecision inculcated from the inputs utilized in algorithmic models like constructive cost model COCOMO results in imprecise outputs which leads to erroneous effort estimation. In this paper, a software cost estimation model has been proposed based on fuzzy logic. The fuzzy logic model fuzzifies the two parts of the COCOMO model i.e. nominal effort prediction and the effort adjustment factor. The analysis shows that the performance of the FIS enhanced by increasing the number of membership functions. Validation experiment was carried out on NASA 93 and COCOM08I public database.

The evolution of FinTech companies in banking sector has shifted the way of providing banking services. Utilizing the power of innovative technologies like machine learning, artificial intelligence, etc. these FinTech companies have captured the financial market. Now they are moving toward the core business segment of banks i.e., lending. Fintech lending covers all the credit activities performed over the internet via a digital platform or web.  FinTech companies provide digital platforms to lenders for providing credit facilities. Recently, the credit through FinTech companies has shown rapid growth in terms of new loan accounts as well as amount disbursed. This paper has analysed the growth of FinTech credit based on the data of 119 companies from 2019 to 2021 and it was found that the both number of new loan accounts and credit disbursed have grown with 51% and 42% respectively. The FinTech credit portfolio outstanding was also 16% Y-o-Y growth. With rising trend, the FinTech has highest delinquency rate after Public sector banks. However, while comparing with the volume and value of credit through schedule commercial banks in India, FinTech credit is far behind the SCBs and it will take lot of times and support of regulatory authorities & government to come parallel to SCBs.