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The Data Dividend: How Alternate Data Can Create a $1 Trillion Credit Economy
India’s credit economy faces a transformation driven by alternate data, potentially unlocking $1 trillion in credit by 2030 for underserved borrowers and MSMEs.
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Inside the SME Files: How GST, Trade Data, and MCA Filings Reveal Business Health
The SME Credit Visibility Gap: Why Traditional Models No Longer Suffice In 2024, a mid-sized auto components manufacturer in Coimbatore defaulted on a ₹60-lakh working capital loan. On paper, the business appeared sound as the audited statements were current, collateral was sufficient, and the bureau record was clear. Yet, beneath the surface, early indicators of…
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The Gig Economy’s Hidden Credit Trail: Digital Footprints, Fraud & Risk in India
Imagine a delivery partner for Swiggy, who we shall call Anita, who earns ₹38,000 monthly via food-delivery assignments and banks every payout. On paper, she ticks the “stable income” box. But in the past 90 days Anita’s account shows multiple small credits, near-zero balance cycles within days of each payout, and several loan applications submitted…
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Explainable AI in Credit Scoring: Making Alternate Data Transparent and Trustworthy
A recent study reveals that 80% of AI projects in financial services fail due to a lack of trust and explainability. In India, explainable AI is crucial for transparent decision-making in lending, fostering trust and regulatory compliance.
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Unlocking MSME & First-Time Borrower Credit with Alternate Data
The MSME Credit Assessment Challenge highlights how traditional financial documents fail to capture the true financial health of businesses, creating a visibility gap for lenders. Utilizing alternate data enhances underwriting accuracy and identifies potential credit stress early.
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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.
