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Consent-based Data Sharing & the Future of Alternate Data in India’s Credit Ecosystem
India’s financial data architecture is transforming with over 1.1 billion bank accounts enabled for secure data sharing via AA. This shift towards consent-based data sharing enhances accuracy in credit assessments and promotes financial inclusion!
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How WhatsApp is Reshaping Lending in India
India’s lending industry faces challenges with high borrower drop-off rates despite technological advancements. WhatsApp offers a solution through real-time engagement, automation, and personalized communication, improving borrower satisfaction and conversion rates.
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How Alternate Data Improves MSME Credit Underwriting?
MSME lending often suffers from limited visibility into real business performance. Learn how alternate data from bank transactions, GST filings, and digital payment trails helps lenders detect early stress, improve underwriting precision, and reduce NPAs.
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What are the Key Differences Between VKYC and Physical KYC?
Are you still tethered to paper based KYC? Discover why VKYC is no longer just a “digital alternative” but the regulatory gold standard for 2026. We break down costs, security, and the RBI’s latest V-CIP mandates.
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How WhatsApp Is Transforming Insurance Cross-Sell and Renewals in India?
Despite having rich customer data, insurers struggle to cross-sell effectively due to fragmented communication and low engagement. WhatsApp enables conversational, trusted, and real-time cross-sell experiences that convert service interactions into measurable revenue growth.
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How Consent-Based Data Sharing is Powering the Next Phase of Alternate Data–Driven Credit in India?
India’s Account Aggregator framework and the DPDP Act are transforming how alternate data is used in lending. By enabling secure, consent-based access to real-time financial data, lenders can now underwrite thin-file borrowers at scale, reduce compliance risk, and move toward continuous, behaviour-driven credit assessment.
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Is Video KYC Safer Than Traditional KYC ?
Is Video KYC actually safer than traditional in-person KYC for banks? This in-depth analysis compares both approaches across fraud prevention, data security, RBI compliance, and operational risk to explain why Video KYC has become the preferred onboarding method for India’s digital banking ecosystem.
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Why WhatsApp Campaigns Deliver Higher ROI Than SMS and Email for Lenders in India?
Traditional lending campaigns through SMS, email, and calls deliver low engagement and weak ROI. This article explains why WhatsApp campaigns outperform legacy channels by driving higher visibility, faster conversions, and measurable business outcomes for lenders in India.
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How Digital Footprints Help Lenders Detect Fraud and Credit Risk in Real Time?
Traditional credit checks miss early fraud and repayment risk. Learn how bank transaction patterns and device intelligence help lenders detect loan stacking, synthetic identities, and hidden intent in real time.
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A Practical Introduction to Account Aggregator Framework for Lenders and Fintechs.
The Account Aggregator framework provides structured bank data, but true bank statement parsing happens through APIs and analytics layers built on top of it. This guide explains the key AA APIs, how parsed insights are generated, and why platforms like Digitap help fintechs go live faster with compliant, actionable bank data.
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What are the best Video KYC software options for NBFCs in India?
Video KYC has become a critical compliance and onboarding tool for the BFSI sector. This guide breaks down how VKYC works, the essential compliance requirements, top software platforms for NBFCs, and the features you should evaluate before choosing a solution.
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Behavioural & Transactional Data: The Future of Credit Scoring
Credit scoring is undergoing a major shift. Traditional bureau models miss millions of credit-invisible Indians, while behavioural and transactional data reveal real-world financial habits like spending patterns, income flows, and repayment behaviour.
