India has spent the last decade building one of the world’s most sophisticated digital public infrastructures for finance.
The next decade will not be defined by digitising lending but will be defined by making lending intelligent.
Artificial intelligence has the potential to fundamentally reshape who gets credit, how risk is assessed, and how quickly financial opportunity reaches millions of Indians.
This is more than automation.
AI is changing the economics of lending by reducing the cost of evaluating borrowers, enabling lenders to responsibly serve customer segments that were previously difficult to assess.
