Despite engaging in numerous digital transactions, millions of Indians remain overlooked by lenders, as banks continue to depend on conventional credit histories for borrower evaluations.
Over the past ten years, India’s financial transformation has set a global standard. We have effectively integrated hundreds of millions into the formal banking system, driven by digital infrastructures like UPI and the widespread use of smartphones. However, as we enter 2026, a contradictory “last-mile” issue continues. While many people are digitally engaged and economically active, they still find themselves without credit visibility.
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