Credit scoring in India is evolving fast.
Banks no longer rely only on CIBIL — they’re tapping alternative data like UPI activity, mobile payments, OTT spend, and digital footprints.
AI models can now understand:
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How you spend
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How you repay
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How stable your cashflow is
This shift is making lending more inclusive, especially for first-time borrowers.
AI isn’t just predicting risk — it’s unlocking credit access for millions.
